Good News From Advocate Brokerage & Your Auto Insurance Carrier

By: Denise Koslowsky

Many of you have reached out to us asking about the provisions and premium credits our carriers are offering during this unprecedented time.  We immediately made inquiries to all our carriers and are happy to share the steps they are taking which include:

  • Pausing cancellations due to nonpayment
  • Waiving late fees
  • Waiving auto insurance restrictions on policyholders now performing delivery services with their car(s)
  • Extending the number of days for rentals if a car is in the shop and cannot be returned

With Stay-at-Home and Shelter-in-Place recommendations issued across the county, most of us are staying home and driving less.  As a result, most of our carriers have announced their plans to issue premium credits to U.S. Automobile Policy Holders to help alleviate some of the financial stress we are all feeling during these difficult times.

Below are the specific credits currently being offered by our carrier partners.  (It is important to note that all of the premium adjustments listed below are pending regulatory approval and final decisions have not been made on how the credit will be processed).  All proposed premium relief credits assume auto policies remain active.  Distribution of credits will vary depending on your current payment plan.  We encourage you to call us for assistance if you are unable to make your policy payment on time due to financial hardship as a result of COVID-19.


Chubb has announced a 35% premium reduction for the months of April and May for their US auto policyholders. Additional discounts are possible for subsequent months, as the situation evolves. Clients will not have to request the credit; it will be applied automatically at renewal.


Cincinnati Insurance is offering their auto clients a Stay-at-Home credit.  Clients insured with Cincinnati will receive a 15% credit on for their April and May premiums.  No action is required to receive this discount.  The credit will be applied in June if there are unpaid installments remaining.  If your account has been paid in full, you will receive either a check or deposit to your bank account if you have been signed up for Electronic Funds Transfers.


Travelers Insurance has launched their Stay-at-Home Auto Premium Credit Program, which will automatically give a 15% credit on US personal auto insurance customer’s April and May premiums. Their hope is to ease some of the financial burden many of their customers are experiencing.  The credits will be applied to the next bill. If clients have paid in full then a refund will be issued for the credit via the same payment method last used, scheduled to be issued by June.

Berkley One

Berkley One has issued a 20% Auto Premium Payback for clients with an active auto insurance policy during the COVID-19 Pandemic in which US customers will receive a refund on April and May premiums.  Clients do not need to take action as the payback will automatically be applied to the June premium during this current term.


PURE is committed to making a Reduced Miles Refund to all members with PURE auto policies.  They have pledged to provide a 15% credit on all regular auto premiums for the period of time from the introduction of state stay-at-home orders until such orders are lifted, up to 4 months. The credit will not be applied to Classic Cars as premiums already reflect the low mileage of these vehicles. As the stays are lifted, credits will be paid or applied to reduce any outstanding balance due.  If you have paid in full, you will receive a refund check in the mail.


Progressive insurance wants their clients to know how much they care so they will be issuing premium credits to personal auto customers.  Customers will receive a 20% credit on two months of premiums.  20% of your April installment will be credited to your May installment and 20% of your May installment will be credited to your June installment.  If you have paid in full, a refund will be generated.

 Utica National

Utica is passing the savings from fewer accidents onto policyholders, in the form of a one-time payback. This payback will equal 15% of the monthly automobile premium for April and May 2020. The money will be given through a credit on an upcoming billing statement or through a one-time check if you have a zero balance across all policies.


AIG is providing support for their clients through provisions for those facing hardship paying their premiums.  They have communicated that they will be providing a 25% credit on March and April personal auto premiums. Clients will not have to request the credit; it will be applied automatically at renewal.

The Hanover

Hanover is returning 15% of April and May auto premiums to personal lines customers through The Hanover CARES Refund.  You do not need to take action to receive the refund; it will be automatically credited to your premium.  If you have paid in full, you will receive two refund checks, one in May and another in June.  If you have any balance open on any Hanover policies, your credit will be applied to the open balances.  If you make payments via EFT, a credit will be applied to your monthly May and June withdrawal.

NatGen Premier

NatGen has recently announced that they will be applying a 15% credit to personal auto, RV and motorcycle insurance premiums.  The credit will be applied automatically to your next installment bill or if your policy is paid in full, returned to you in the form of a mailed check.

We’re here for you.  Educating each client we serve has always been an important part of what we do each day at Advocate Brokerage which is why we will continue to share communication from our carrier partners with you.  In the meantime, if you have questions about specific details of your policy, please feel free to get in touch with us.

Report a Claim Make a Payment Get a Quote About Advocate Personal Insurance Business Insurance Client Resources Contact Us