Jul 1, 2016 How the Car Repair Process Works

If you’ve never been in a car accident, you may not know what happens when you bring your car to a repair shop. We’ll walk you through how the process works at a reputable collision repair centre. Before you bring your car anywhere, however, it’s important that you call your insurance broker. Not all repair facilities are approved by all companies – but that’s for your protection. An approved repair shop generally provides reliable service, competitive prices and may provide other benefits as well. If you have your car taken to an unapproved company your insurance may not guarantee the repairs. Once you know your car is in good hands, here’s the usual process you and your car will go through. Please note that…

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May 28, 2016 Car Insurance Reform 2016 – What does this mean to Car Insurance Clients?

To help stabilize car insurance rates, The Ontario Government has implemented changes to auto insurance. Several measures are aimed at reducing fraud and abuse of the system which increase premiums for car insurance clients across Ontario. Another round of changes take effect on June 1st, 2016. What does this mean for car insurance clients? Does this mean cheap car insurance for everyone? – Unfortunately, that is not the case. In this round of changes, the result is that many insurance companies are taking average car insurance rate reductions in the range of -2% to -5%. This is a step towards trying to keep insurance premiums affordable for car insurance customers in Ontario. It does not mean that every client will see a reduction – there…

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May 28, 2016 Auto Insurance Reform 2016 – A Case Study

I have been putting out a lot of information regarding the car insurance change in Ontario, which will affect you on the first renewal of your car insurance policy, after June 1st, 2016. There has been lots of media attention as well, but despite this, there are reports that only 42% of residents of Ontario are aware of the changes, and 18% know what the changes mean. These changes, and insurance in general, can be very confusing for some insurance clients. I have also discussed that everyone has different needs and that these changes allow your car insurance to be customized to what you need, while striving towards the goal of cheaper standard insurance across the province. I understand that this will be very confusing…

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Apr 23, 2016 Properly Insuring your Aviation Business

If you operate a flight school, airport, charter flight business or you’re an FBO, you require aviation insurance. Aviation insurance includes many options and your program should be specifically designed for your unique operation. Here’s a brief look at the various aviation insurance products available – let’s see if they fit your operation: AGL (Aviation General Liability) This is a basic form of General Liability insurance which protects your business from third-party claims of property damage and bodily injury. It needs to be an “AGL” product and not just a “GL” product because a standard “GL” carves out aviation-related claims. An AGL specifically fills in this gap. Typically, any business operating on airport property requires this coverage and it falls into three categories: Premises…

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Apr 22, 2016 Auto Insurance in Ontario Changes June 1, 2016

Your Auto Insurance Benefits are CHANGING June 1, 2016 As of June 1, 2016, the Ontario government has introduced changes to automobile insurance coverage to help make insurance premiums more affordable. The changes only apply to auto insurance policies issued or renewed on/or after June 1, 2016 Every 5 years, the government mandates a review of the auto insurance system. The outcome of this review will result in changes to the coverage that you currently have. At this time, Ontario has the highest level of standard coverage in Canada. These are coverages that you pay for, in your automobile insurance premium. To help stabilize rates, the Ontario government has implemented changes to auto insurance. Several measures are aimed at reducing fraud and abuse within the…

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Mar 1, 2016 Tips to Save Money and Energy This winter

There were some extremely cold days this year ─ obviously we have to stay warm. Here are a few tips to have your heat running, but keeping your costs down. 1. Prevent drafts Make sure all of your doors have properly installed weather stripping. Silicone around windows, or plastic wrap can be used as a temporary substitute. 2. If you have a chimney, block it or use it Heat rises and will quickly find the quickest way out. Use a properly installed blocker to block the damper or use the fireplace for what it was made for. Make sure it has been properly maintained and cleaned before its being used. A fireplace can heat the room you’re using most while…

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Feb 26, 2016 Spring Thaw

Spring is on the way, protect your home during the thaw! Do you feel the temperature rising? Do you hear the birds chirping? Are you starting to see more sunlight? Don’t be fooled ─ despite it being well below 0 degrees, spring is right around the corner! Here are some tips to help your home once the thaw begins! 1. Make sure that all water is running away from the home and not towards it Shovel trenches or paths that run away from the home Make sure all downspouts and eaves troughs are pointing away from the dwelling Remove ice or snow blockage from the bottom of the downspouts to make sure they are operating properly 2. If you have a basement that does flood,…

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Dec 8, 2015 Tips to Help You Prepare for Winter

updated Nov. 09, 2018 “Winter is Coming” is not only the motto for House Stark of HBO’s medieval fantasy series, Game of Thrones; these three words are enough to send chills down your spine. The winter blues, cold nights, -40 °C days, endless shoveling – living in Canada, winter is inevitable every year. The best thing we can do is prepare, or if you can afford it become a snow bird – but that’s unrealistic for many of us. Since we have to deal with it, here are some great tips to help you prepare for the winter. Tips for the Home De-clutter your gutter A clean, good working gutter is essential to keeping a well maintained home in the…

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