News & Blog: Personal Insurance

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

Sep 15, 2016 How Close is Too Close When Driving Behind Someone?

We’ve all been there. Keeping a safe distance behind the driver ahead of you, only to be tailgated by someone behind you. You say to yourself, “Man, I wish he would buzz off!” What if this driver wasn’t in a hurry, but was just at a distance that he considered to be safe just like you were with the car in front of you? Some people keep the same distance between someone regardless of the speed they are traveling at. This is a HUGE mistake. Your reaction time is the same whether you’re going 10km/h or 110km/h, however your car will obviously not react the same. There are many factors that determine vehicles stopping distance including, but not limited to; SPEED – #1 factor.

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Aug 23, 2016 Top 10 Best Cars for Students Going Back-to-School

With the new school year soon approaching, many students and parents are considering the transportation needs of getting to class, home and various other activities. To help students and parents narrow down their choices, U.S.-based Kelley Blue Book has announced their picks for the 2016 Top 10 Back-to-School Cars. Each pick was chosen with safety, affordability and practicality in mind and Kelley Blue Book believes this list has something both parents and students will like. “Safety is the paramount decision when it comes to back-to-school cars, practicality and affordability are also high on the list of desirable characteristics, at least according to parents,” said Jack R. Nerad, executive editorial director and executive market analyst for Kelley Blue Book’s KBB.com. “The kids involved also prefer…

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Jul 27, 2016 10 Things Drivers Should Know About Motorcycles

There are approximately 708,700 motorcyclists are back on Canadian roads since the start of the warmer weather. With the increase in motorcycle traffic, it’s a good reminder for all drivers to share the road with motorcycles, and riders to be reminded to make themselves more visible to others.There are approximately 708,700 motorcyclists are back on Canadian roads since the start of the warmer weather. With the increase in motorcycle traffic, it’s a good reminder for all drivers to share the road with motorcycles, and riders to be reminded to make themselves more visible to others. Here are 10 things drivers should know about motorcycles: Over half of all fatal motorcycle crashes involve another vehicle. Most of the time, drivers of vehicles, not the motorcyclist,…

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Jul 15, 2016 Bicycle Safety Tips

Cycling is a fun and healthy activity that provides you with an inexpensive way to get around and explore. It’s good for the environment and requires no registration, plates, licences or insurance. With the warm weather and start of the summer for many school aged kids, it is important to learn and follow the rules of the road. As a cyclist, you must share the road with cars, pedestrians and other cyclists ─ just like any other vehicle. You must obey all traffic laws and you have the same rights and responsibilities as drivers. Helmets By law, every cyclist under the age of 18 must wear an approved helmet and the fine for not wearing a helmet is $75. It is strongly recommended…

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Jun 30, 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 27, 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 27, 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 21, 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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Feb 29, 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 25, 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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