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 AN INDEPENDENT BROKER
As an Independent Insurance brokerage, McFarlane Agencies stand apart from the rest.
McFarlane Agencies have a wide variety of insurance companies to utilize when selecting
the proper coverage for you. This ensures the availability of requested coverage at the
most competitive price. Each and every renewal, these companies become available as a
means of ensuring you never pay more than you have to for insurance. The advantage of
dealing with such a selection of insurance companies is clear.
LONGEVITY
McFarlane Agencies has been in the General insurance business in Okotoks
since 1974. in 1998, we expanded our operations to include Financial
Services with the partnership with Rice Financial. We understand our
community, we live in and we support our community!
DIVERSE BROKERAGE
McFarlane Agencies offers a wide range of insurance and financial services
through partnerships and contracts with numerous companies. The importance
of product availability and choice is met with McFarlane Agencies.
RELATIONSHIPS
At McFarlane Agencies, Relationships and customer service is our first
concern. Our single greatest achievement can be directed at providing
professional customer service. We know our clients and their needs and have
a business relationship that is beneficial to both. We are proud of our
reputation and will continue to surpass your expectations. Premium Service,
That’s our policy!
 Auto FAQ’s
 If my
friend uses my vehicle, is there insurance coverage in case something happens?
The common saying "If you lend your vehicle, you lend your
insurance" applies. As long as there is consent from the owner of the vehicle, the
vehicle is insured, and the driver is qualified by law to drive, the same coverage is
available to someone else as though it were the owner him/herself driving. It should be
noted that regular drivers or licensed operators in a household are required to be
disclosed to the insurance company. The above example represents an infrequent occasion
where the vehicle was borrowed. |
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Why aren’t
my sunglasses and jacket covered by my auto insurance from the B&E in my vehicle?
Your auto insurance is designed to cover theft, if selected under
the comprehensive or Specified Perils section. The equipment that is permanently attached
or apart of the automobile is covered. In the above example, sunglasses and a jacket do
not fit this definition. They are insured under a property policy, subject to the
deductible selected for that policy.
Is it
important to advise my broker of my son or daughter who has just obtained their drivers
license?
In Alberta, the legal age to obtain a driver’s license is
16 years. Insurance Companies request that they are notified when the individual has
obtained their license. If the driver has purchased his or her own vehicle, they would set
up their own auto policy. If the individual is living at home and using the vehicles
already insured and owned by Mom & Dad, he or she should be added as an occasional
driver. The advantage to the new driver is that insurance history is started, without
owning a vehicle. The company is also satisfied that they are collecting premium to
compensate for a greater exposure to the existing policy of the parents. Without
notification to the company of a newly licensed driver, several consequences could occur
in a claim situation. Insurance companies do not require notification for the
learner’s license, eligible at the age of 14 years.
Property FAQ’s
Are
there any special limits for contents or personal possessions that I should be aware of
within my property policy?
Your property policy does contain special limits for certain
types of contents. This limit will outline the maximum amount payable for that particular
item in a claim situation. Companies vary on what limits and to what extent the limits are
placed on various items. Some common examples for most companies are for Jewelry, Watches,
Furs and Gems. Onus is placed on the insured to be aware of approximately what amount of
contents they have and in particular, what high value or high limit items exist. If a
problem for a particular type of contents exists due to special limits, the insured can
insure this item(s) separately on a floater. Does
my homeowners insurance policy have any stipulations about leaving the
home unattended during the winter months?
Yes. Most companies have
a requirement to have the home checked to ensure the home is in order as
often as once a day. The onus is on the insured to make sure that they
have made arrangements for trips longer than 4 consecutive days in order
to ensure coverage is available at a time of loss.
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