News & Blog: Personal Insurance

Covering the insurance-related issues and developments that matter to our personal and business clients.

May 11, 2020 How insurance companies are supporting those who have been affected financially by COVID-19

The COVID-19 pandemic has led to financial struggles and uncertainty for many across the country. Whether you’ve been laid off from your job or you’re an hourly worker whose shifts have been reduced — or if the pandemic has affected your finances for another reason — you might be having a hard time staying on top of your bills right now, including your insurance premiums. Insurance companies understand, and we’re taking measures to support those who are facing tough financial situations as a result of the pandemic. The Insurance Bureau of Canada announced that its member companies will take the following measures to support their customers: Drivers whose habits have changed may qualify for reduced car insurance premiums. If your driving habits have…

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May 6, 2020 7 Steps to Arranging Car Insurance When Moving from Out-of-Province

Moving to Ontario from another province can be stressful. One of the many things you have to do is switch your driver’s license and license plates so you can register your vehicle in Ontario. If you are moving to Ontario, your out-of-province plates are only valid for 30 days so you can’t put this off indefinitely. Instructions on what you will need to switch your license and register your vehicle can be found at www.ontario.ca. One of the requirements of registering a vehicle in Ontario is that you have proof of insurance. Here’s a quick rundown of the steps you need to take when moving from out of province. 7 of the steps you need to take Contact the license bureau of the province…

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Apr 17, 2020 What does a ‘hard market’ mean for insurance customers?

If you have home or car insurance (or if you’ve recently been shopping for insurance), you may have heard that the Canadian insurance industry is in the middle of a hard market. Even if you’ve never heard the term “hard market,” you may have experienced the effects of one as an insurance customer. We want to make sure you understand what a hard market means for the insurance industry — and, more importantly, what it could mean for you. What is a hard market in the insurance industry? Insurance companies rely on premiums and investment income to pay claims — premiums alone aren’t enough, especially as claims continue to become more frequent and more expensive. So, in a time period with low investment returns and…

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Mar 3, 2020 What happens if your vehicle is damaged by a pothole?

Most drivers are familiar with the unique sense of dread that sets in immediately after hitting a really bad pothole. It might also come with a few choice words and thoughts like, “my poor alignment!” and “what if that ruined my tire?!” The good news is that most potholes aren’t large or deep enough to do instant damage to your vehicle. But if your vehicle is damaged because of a pothole, what should you do? And will your car insurance cover the damage? We’ve got the answers to your questions.   What should you do if your vehicle is damaged by a pothole? If you hit a major pothole and can tell that it has done damage to your vehicle, take photos of any visible damage and…

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Feb 26, 2020 Value Over Price

Price is always on our minds, and the first thing a prospect often wants to know is how much insurance is going to cost them. With technology now at our fingertips, this usually means people will open their computers (or take out their phones) and start doing their research online, looking for the cheapest options. But brokers know that doesn’t give the full picture. How do we encourage customers to look beyond the price tag to ensure they’re properly covered? Direct-to-consumer online sales are growing in parts of Canada, since many people like the immediacy of going online and getting a quote. In fact, in Canadian Underwriter’s 2019 National Broker Survey, brokers ranked the top two threats to the channel as growth of the direct-to-consumer…

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Feb 13, 2020 7 things to know about dealing with tow trucks

You have just had an accident and you are stuck on the side of the road.  Thankfully, no one was hurt and you just have to deal with the damage to your vehicle. It is rush hour, traffic is hurtling past you, and you are “that person” who is creating havoc for everyone commuting home. You just want to get out of there. The police have come to the scene and statements have been made. Now you have to move your car but it isn’t drivable. This is not your finest moment. Before having it towed, there are some towing rules you should know: If a tow truck driver just shows up, you can send them on their merry way. As per City of Ottawa Bylaw,…

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Feb 5, 2020 What to do if you are in a car accident – 6 pieces of critical information

I recently saw this tweet from Kim Gardner and despite her being an Anaheim Ducks fan, I decided to help ;-> Young or old, it is a good idea to prepare ahead for a car accident and hope you never need to use the knowledge you have gained. Quite often, such information is available to print out and keep in your glove box for when you need it, or in the case for our clients, it is also available in our Client Centre app which is available to download and always have with you in your phone. First and foremost, make sure everyone is safe. If it is a serious accident, or if anyone is…

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Dec 17, 2019 Canada’s Top 10 Stolen Vehicles in 2019

The Insurance Bureau of Canada (IBC) released its annual list of Canada's most frequently stolen vehicles, which is compiled using data from its members across the country. No surprise the Ford F-Series trucks topped the list again. These light- and medium-duty trucks are popular with auto thieves across Canada.

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Sep 17, 2019 Sump Pump 101

When it comes to preventing flooding in your home, sump pumps are among the most valuable tools at your disposal, especially during heavy rainfalls or snowmelt season. Learn how sump pumps work and how you can keep yours flowing smoothly all year long.

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Sep 6, 2019 How To Prevent Flood Damage in Your Home

When water ends up where it doesn’t belong, it can do a good deal of damage — but many homeowners don’t think about preventing water damage until it’s too late. Take these 10 steps to help prevent damage to your home before it happens: 1. Seal cracks in your foundation walls and basement floors. This is a simple way to help reduce the risk of basement water damage. In most cases, existing cracks can be sealed from the inside of your home without having to dig around your foundation. 2. Install window wells and covers. Window wells, or wells dug outside a below-grade window, are typically reinforced with galvanized steel or polyethylene shields that support the earth and block debris and moisture from reaching your basement windows.

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