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Insurance

Insurance that offers peace of mind

Insurance Made Simple

Insurance solutions by Luminus Financial in partnership with CUMIS

Welcome to the security and peace of mind that come with Luminus Financial's insurance offerings, delivered in partnership with CUMIS, our trusted insurance provider. Whether it's safeguarding your home and auto, protecting your financial commitments, or ensuring coverage for life's unexpected events, we have you covered.

Top products

Home insurance

Home insurance provides a financial safety net, shielding you from potential losses resulting from theft, unforeseen events, and personal liability. This coverage extends to instances where visitors might be injured on your property, offering protection against liability for accidental damage to others' property.
  • Home claims forgiveness, which means that your first home claim has no impact on your policy or premiums.
  • Disappearing deductible, which reduces your home deductible by $100 each year, until it disappears.
  • Claims-free rate when you are claims-free for three years.
  • Identity-theft protection for expenses you incur to recover your identity—with no deductible, no effect on your claims-free discount, and no additional costs.
  • Legal Assistance Helpline, where lawyers provide free, on-demand guidance around Canadian legal matters.
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Auto insurance

CUMIS offers exceptional value-added car insurance for vehicles stolen or damaged as the result of an accident. Auto insurance also takes care of expenses if you are involved in an accident, including medical treatment and care, possible legal costs, property damage, and lost wages.
  • A variety of coverage options to best suit your needs, including financial protection for motorcycles, ATVs, snowmobiles, motorhomes, and trailers.
  • Accident forgiveness, which excuses your first at-fault accident to protect your driving record and keep your premium low.
  • Claims-free rate when you are claims-free for three years.
  • Additional bundling options offering more savings and more coverage, including rental vehicle liability and emergency roadside assistance.
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Bundle and save even more!

Enjoy exclusive savings—up to 55%—when you bundle your home and auto coverage with CUMIS, our loyal insurance partner.

Personal loan insurance

  • Insure personal loans with a fixed term of repayment. The single premium is paid when your loan is approved.
  • Life insurance coverage pays off outstanding insured loans should you die.
  • Sickness and accident insurance makes your insured monthly loan payment for you while you are sick or injured.
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Line of credit insurance

  • Provides coverage while you have the debt. If there is no balance, no premium is charged.
  • Life insurance coverage pays a benefit based on the insured outstanding balance.
  • Sickness and accident insurance pays 3% of your insured outstanding loan balance at date of sickness or accident.
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Group mortgage protection

  • Life insurance pays the outstanding insured amount in the event of your death.
  • Critical illness insurance pays the outstanding insured amount if you are diagnosed with cancer or if you suffer a heart attack or stroke.
  • Sickness and accident insurance pays your insured monthly mortgage payment for up to two years.
  • Loss of employment insurance can fill the gap between unemployment insurance and your previous income. Payments are tax-free.
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TRAVEL INSURANCE

Enjoy the journey, knowing you're covered

Whether you're a student travelling overseas, a retiree exploring the globe, or whisking away on a spontaneous weekend retreat, enjoy travel coverage options tailored to suit your lifestyle.
Get Travel Coverage

Some conditions apply. CUMIS® is a registered trademark of CUMIS Insurance Society, Inc., and is used with permission. Home and auto insurance is underwritten by CUMIS General Insurance Company, administered by Co-operators General Insurance Company. Not all products available in all provinces, and rates, coverage, and eligibility may vary. CUMIS General Insurance Company and Co-operators General Insurance Company are committed to protecting the privacy, confidentiality, accuracy, and security of the personal information that we collect, use, retain, and disclose in the course of conducting our business. Please refer to our privacy policy for more information. To contact CUMIS, please visit www.cumis.com or call 1-800-263-9120. 

Travel insurance does not cover everything. For a complete description of benefits and exclusions, please see the certificate of insurance (available in  English  and  French). This product is underwritten by CUMIS General Insurance Company, a member of The Co-operators Group of companies, and administered by Allianz Global Assistance. Allianz Global Assistance is a registered business name of AZGA Service Canada Inc. and AZGA Insurance Agency Canada Ltd. 

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