Insurance Basics: General Info

Illuminating articles and ideas that will shed more light on all your insurance-related concerns.

Jun 14, 2022 15th Annual Marsha Morton Golf Tournament in Support of Cystic Fibrosis

The 15th Annual Marsha Morton Memorial Golf Tournament will be held at Pineview Golf Course on Friday, August 19, 2022. This tournament is presented by The Kin Club of Orleans and District and Rhodes & Williams Limited in support of Cystic Fibrosis Canada. The 2020 and 2021 tournaments were cancelled due to the COVID-19 pandemic. The tournament is named in honour of Marsha Morton, a Canadian Cystic Fibrosis poster child and daughter of Ken & Karen Morton, members of the Kin Club of Orleans and District. Marsha succumbed to CF at the age of 12 in 1988. For more information on how to get involved, please visit the Kin Club of Orleans and District page. 2022 will mark the 15th time for this…

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Jun 4, 2019 Tornado / Windstorm Coverage and FAQ’s

Orleans tornado, taken from Trim and Watters in Orleans.Photo Credit: Michael Dalrymple With the Ottawa area having just experienced its second tornado event in the past 10 months, the obvious question on everyone’s mind is, “Will my homeowner insurance cover damage to my home, caused by a tornado event?” Am I Covered? Damage to homes caused by hail or wind is generally covered by a standard homeowners insurance policy. This includes damage caused by flying debris or falling branches. This would also generally include damage to your home and its contents when water enters through openings as a result of the wind or hail damage. In certain circumstances, homeowners who are unable to live in their homes because of the insurable damage are entitled to…

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Jan 10, 2019 Does the Auto Insurance System in Ontario Need to Change?

This is the question currently being contemplated by the Ontario government.  They are inviting drivers and consumers to share their views on how to lower the province’s auto insurance rates, part of a broader initiative on auto insurance reform. I do not intend to give a complete background on the issue or opinions on everything that needs to be fixed, or I would lose all readers by the 100th page! For a very brief background on the issue, visit “Ontario wants to hear from Consumers about How to Lower Auto Rates”   and when done reading this document, visit Here to fill out the very brief survey and have your say. I would like to give you my opinion on a…

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May 24, 2013 Code of Consumer Rights and Responsibilities

Insurance companies, along with the insurance brokers and agents who sell home insurance, car insurance, and business insurance, are committed to safeguarding your rights when you shop for insurance and when you submit an insurance claim following a loss. Your rights include the right to be informed fully, to be treated fairly, to timely complaint resolution, and to privacy. These rights are grounded in the contract between you and your insurer and the insurance laws of your province. With rights, however, come responsibilities including, for example, the expectation that you will provide complete and accurate information to your insurance provider. Your insurance policy outlines other important responsibilities. Insurers and their distribution networks, and governments also have important roles to play in ensuring that…

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May 23, 2013 Personal Information Policy and Procedure Handbook

This handbook, from the Insurance Brokers Association of Canada, includes useful information to help you make sense of the federal Personal Information Protection and Electronic Documents Act (PIPEDA). Download the Handbook (PDF)…

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Feb 22, 2010 The Benefits of Using an Insurance Broker

Whether you’re looking for a basic car insurance policy or a complete suite of business insurance coverage for your business, you need to find the right insurance that will keep you protected. There are a number of ways to find insurance coverage, but how can you get the insurance coverage that’s best for you? An independent insurance broker is your best option when it comes to finding insurance coverage. Here’s why: Shopping around for insurance yourself can be absolutely bewildering. An insurance broker is an expert when it comes to insurance – and they can do the shopping for you. Not only is an insurance broker an expert in knowing what to shop for and where to shop, they can negotiate on your…

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