Home & Auto Insurance

Enjoy exclusive savings – up to 55% – when you bundle your Home and Auto coverage with CUMIS, our loyal insurance partner.

As a good driver, a responsible homeowner and a valued credit union member, you should be rewarded. That’s why we’ve teamed up with CUMIS. Take advantage of the preferred member rates, comprehensive coverage and straightforward claims process you deserve.

Home Insurance
  • 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 impact to your claims-free discount, and no additional costs.
  • Legal Assistance Helpline, where lawyers provide free, on-demand guidance around Canadian legal matters.
Auto Insurance
  • Accident Forgiveness, which excuses your first at-fault accident to protect your driving record and to 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.

Ready to be rewarded?

Call 1-800-810-2847 to speak with a Licensed Insurance Representative. Or visit to get your QuickQuote in as little as 30 seconds!

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 or call 1-800-263-9120.


Clearly better insurance

We can never predict the future, but we can prepare for it. Insurance is an essential part of any financial portfolio. Just as with all of our financial services and products, Luminus offers a wide range of options. The right insurance can't prevent bad things from happening, but it does prevent things from getting much worse as a result. Think of what might happen if you were unable to work, or were no longer here. At Luminus, we can help you feel good about knowing that, in any event, you and your loved ones are covered.

  • Personal Loan - Life and Sickness & Accident 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.

  • Line of Credit -- Life and Sickness & Accident 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 three per cent of your insured outstanding loan balance at date of sickness or accident.

  • Group Mortgage Protection - Life, Critical Illness, Sickness & Accident and Loss of Employment Insurance

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, suffer a heart attack, or a 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.

Buyer Insurance

  • Buyer Protection and Extended Warranty

Our Buyer Protection features has improved! Now you will receive coverage for a full 120-days after purchase on most retail items of personal property (including gifts) against loss, theft or damage when purchased with your Luminus MEMBER CARD® debit card or by writing a cheque on your Luminus chequing account. Extended Warranty doubles the repair period on a manufacturer's authorized Canadian warranty up to an extra year for virtually all purchases. To learn more details, please click here.

Print a copy of the Certificate of Coverage now.

Travel Insurance

For business, pleasure, or to attend school. Unique protection rated specifically for your travel area.