News & Blog: Personal Insurance
Covering the insurance-related issues and developments that matter to our personal and business clients.
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…Read More
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…Read More
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…Read More
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…Read More
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…Read More
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…Read More
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…Read More
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…Read More
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.Read More
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…Read More