News & Blog: Personal Insurance

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

May 10, 2017 Sometimes Things are just Better Apart!

Sometimes things are better together: Peanut Butter and… Milk and… Turkey and… Well you get the idea. But other times things are better apart: Peanut Butter and… Salami? Milk and… Beet Juice? Turkey and…Motor Oil?…ok, that’s kinda weird…. But hopefully you get the point I am trying to make. Some things are better together and some things should just be kept apart. When reviewing coverage for a potential new client, I was thinking about how this also applies when it comes to insurance. Although there may be times that it makes sense… most of the time it is smarter to keep your trailer insurance and your boat insurance separate from your house insurance. Obviously every situation is different and you need to speak with…

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May 8, 2017 What to Do If You Have Been Affected by Flooding in Ottawa and the Surrounding Areas

updated Apr 26, 2019 Flooding – What do I do? If your property is at risk call 3-1-1. If it is an emergency situation, call 9-1-1. In a situation where residents in low-lying areas along the Ottawa River receive notification of, or see potential flooding, flood damage can be reduced by taking these preventative steps: Move valuables and important documents out of the basement Ensure sump pumps and foundation drains are connected and functioning properly Ensure downspouts or water run-off are flowing to water drainage systems If you live in or near a flooded area, your well water could be contaminated by surface flood water If you think flood water has infiltrated your well or septic tiles, don’t use tap water or the…

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Mar 30, 2017 Ontario’s Drive Clean Testing Fee Eliminated

Starting April 1, 2017, Ontario will eliminate the initial Drive Clean testing fee at registration renewal for vehicles seven years old. The province will cover the cost of your first Drive Clean emission test ─ saving you the $30 fee. It’s important to know vehicles seven years and older must still pass the emissions tests. If the vehicle fails the intial emissions test, you’ll have to pay for the re-rest and and any repairs that may be needed to meet the province’s emission standards. The fee is only waived for drivers of cars, vans, SUVs and light-duty vehicles (vehicles weighing 4,500 kg or less). Drivers of heavy-duty vehicles still have to pay for the test. Emissions tests are required every two years once a…

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Mar 10, 2017 Spring Forward ─ A Fire Safety Reminder

The first sign that spring is right around the corner in Ottawa is moving the clocks ahead one hour ─ and sadly losing one hour of sleep. Health and safety agencies often use the approach of Daylight Saving Time to remind people to change the batteries in their smoke alarms. The Canadian Safety Council suggests you test your smoke alarms ones a year and change the battery every 6 months. Daylight Saving Time is also a great time to check your emergency preparedness kit to make sure it’s fully stocked with enough supplies. If you are asked to evacuate your home or to temporarily shelter in place inside your home for a period of time, prepare an emergency preparedness kit in an easy-to-carry bag…

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Feb 16, 2017 The Ottawa Boat Show is Right Around the Corner

Updated: Feb, 15 2018 The Ottawa Boat Show is right around the corner. And like every year, many people are going to go and dream and some lucky individuals are actually going to fulfill those dreams and walk away with a new boat. Whether it is a 16’ fishing boat or a 28’ cruiser, the prospect of a new boat on the water this spring is exciting. For some, this is an upgrade, trading in the existing boat for something newer, faster, bigger and more expensive. For others, this is a first time purchase and a little bit daunting. Whether a first time boat or a replacement, you are going to need to insure this new baby. Here are some things to keep in…

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Jan 16, 2017 Did Spring Come Early – Pothole Season

Well, based on the bumpy ride of late, you might think that Spring had come early…. But unfortunately it is just Mother Nature playing a cruel trick on us… and our cars … again! With the constantly fluctuating temperature in Ottawa in recent weeks, water gets in to cracks in the roads, refreezes and the wonderful result is feeling like you are driving through a minefield rather than on a nice paved road! This was the pre-lude causing a conversation on twitter with our friends at Goldwing Autocare. The question was …”Are there (insurance) policies to cover high-end wheels.” In the context that it was asked, we do not have insurance policies specific to covering your wheels exclusively, from Road Hazard like…

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Dec 14, 2016 IBC Releases 2016 Top 10 Stolen Vehicles in Ontario List

Since 2003, the Insurance Board of Canada has produced an annual top 10 stolen vehicles in Canada list. IBC also reports on the top 10 stolen vehicles and trends in organized auto theft for specific regions in Canada. The statistics IBC publishes are based on actual insurance claim data, collected from most automobile insurance companies in Canada. These companies write most of the automobile insurance in the country. IBC represents more than 90% of the non-government home, vehicle and business insurance companies across Canada. It is highly regarded as a provider of automobile insurance rating information. “For the second consecutive year, auto theft across Canada and Ontario has increased,” said Kim Donaldson, Vice-President, Ontario, IBC. “After large declines in auto theft activity over…

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Nov 3, 2016 Do it for the Safety or Do it for the Savings – Just Do It!

The government of Ontario has made numerous efforts to drive down the cost of car insurance for drivers in Ontario. As always, we support anything that helps our clients save money on their car insurance – especially those initiatives that encourage safer driving. When shopping for winter tires, it is important to look for a tire that displays the Three-Peak Mountain Snowflake Symbol (Also referred to as the ‘Alpine” symbol) on the sidewall. Transport Canada acknowledges that tires displaying this symbol meet the specific snow traction performance requirements,and have been designed specifically for use in severe snow conditions. When shopping for winter tires, it is important to look for a tire that displays the Three-Peak Mountain Snowflake Symbol (Also referred to as…

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Oct 21, 2016 Oh…and I Have to Remember to Call and Cancel My Boat Insurance

ME: WHAT?!? Why are you cancelling? CLIENT: Well, it’s the fall and I can’t use my boat in the winter Just because your boat isn’t in the water, that doesn’t mean that things can’t go terribly wrong. Your boat could be stolen, the storage facility could catch on fire, rodents could damage it, the weight of snow and ice can wreak havoc ─ the list goes on. Proper boat insurance gives you so much more coverage than you may even realize. It is important to note that not all policies are created equal. Make sure you deal with a broker who knows boat insurance and who can protect you against the perils of winter. How sad would you be on that first beautiful day…

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Sep 16, 2016 The Crazy Fisherman Insurance Clause

Written by: Heather Bonadie Do you have the “Crazy Fisherman Insurance Clause”? This is definitely not a clause you will find written in any “official” boat insurance document. The fishermen that need the “Crazy Fisherman boat insurance clause” don’t think they are crazy, they just love fishing…. but is their loved fishing boat properly protected? Let me try to explain with a bit of analogy. Most people who are not passionate golfers, would think going out as soon as the courses open… or the last day before they close when snow flurries are flying around – would be crazy! Picture that golfing nut out there – barely able to hold their clubs because their fingers are frozen – just so they can get…

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