For a lot of people insurance is like banking, important to have but hard to understand. There are a lot of insurance myths out there on how fees are paid and what is and isn’t covered.
Do you know which of these insurance questions are fact or fiction?
If you’ve heard some insurance “fact” from a neighbour or cousin, take a moment to ask the professionals – your insurance broker – about just what is fact and fiction about your insurance.
Find more insurance myths at the Insurance Bureau of Canada
So much of the holidays involves good friends and good times. But too much eggnog and problems can occur. Victoria currently ranks as the fourth highest region in the country for alcohol and drug impaired driving.
The good news is that means that our local police are doing a great job getting drivers under the influence off the road. The bad news is that we all need to plan better to stay safe and not take the wheel after partaking of a little holiday cheer.
BC has some of the toughest impaired driving laws in Canada. Blowing at even .05 can result in roadside suspensions, and that can happen after a single glass of scotch or even a glass or two of wine.
Get home safely this holiday by planning ahead:
• Have a sober friend or family member pick you up
• Contact a cab company (#TAXI on your cell) or one of these services:
➣ Call Mom (250-507-6515). Service available 24 hours.
➣ Drive Smart Victoria (250-661-0181). Service available 6 p.m. to 2 a.m.
➣ Call My Driver in Victoria (250-516-9199). Service available everyday 12pm – 6 am.
➣ Dial a Driver Victoria (250-580-8801). Service available everyday from 6pm – 5am.
We look forward to seeing you in the new year, drive safe and happy holidays. For more tips on safe driving click on ICBC.
You’ve spent ages researching and planning your special getaway. You’re all packed up and more than ready to leave it all behind for a week or two. Before you walk out that door, make sure that your plans include keeping everything safe while you’re away this vacation.
Take 15 – 20 minutes before you go to safeguard your home:
Plan to stay safe this vacation – both at home and abroad. Read through our check list if you’re traveling out of country, to make sure you’ve protected your health and financial well being with the right travel insurance. Looking forward to seeing the holiday pictures on your return.
Information courtesy of the Insurance Bureau of Canada
Does driving in winter weather conditions send a shiver down your spine? You’re not alone. According to a recent survey by ICBC, 40% of respondents felt less confident driving in the winter and 70% felt both less safe and frustrated by the actions of other drivers.
Although Victoria doesn’t tend to have the same severe conditions that the rest of Canada suffers each winter, it is still important to plan for the season.
Here’s some quick tips:
Click these links for more tips on safe driving in winter from ICBC or to check road conditions at DriveBC.
Ghosts and goblins beware, this hallowed eve is not free of danger. Tricks, instead of treats, can be limited to harmless pranks this Halloween with a little extra care.
Avoid being the person screaming the Banshee cry by heeding the advice above. This Halloween may your only true scare be from how much you gain after nibbling the treats and goodies that always seem to linger after the holidays.
The summer was warm, hot and dry but fall on the west coast is anything but. Our wet and windy fall and winter can result in unanticipated damages. Insurance policies aren’t maintenance policies and a little preparation before the storms hit can make all the difference.
The right coverage makes a difference, check to make sure your policy covers:
With the right preparation, you’ll be able to cozy up with a hot chocolate, warm blanket and good book, secure that everything is looked after. Keep up to date with weather alerts from Environment Canada.
Information courtesy of the Insurance Bureau of Canada
You’ve made your plans, saved your money and you’re ready now to build that deck, add on a new room or simply redo the kitchen or bathroom. You’re about to take a hammer to the family home.
Before the first blow is struck don’t forget to do a couple of important things:
Home renovations can be a source of savings too. Check with BC Hydro for energy-saving programs that help you replace older appliances with more energy-efficient options.
Before you buckle your tool belt, make sure that you talk with your insurance agent both before and after your renovations. A new alarm system or updated roof might result in lower premiums. Conversely a new pool, an addition to accommodate a home-based business or granite countertops replacing the kitchen laminate will require updates to your policy to make sure that’s covered. And last of all don’t worry, all of the tears and frustration of the reno will soon be over leaving you with a home with just a little more to love.
Wind in your hair, sunglasses at a rakish angle, the perfect road trip mix playing and,… screaming kids in the backseat. End the cycle. This summer before you hit the road make a complete plan for a safe and happy summer holiday road trip.
Before the first tire backs off your driveway, make sure that you’re covered:
Remember to breathe deeply and smile, it’s only two weeks and they’ll never be that young again. And before you leave home, whether you’re renting a car at the start – or after “the family beast” has gasped through her last mile – don’t forget to check you car insurance policy to confirm it covers the mandatory insurance for your rental vehicle.
While you’re tidying up and tucking away during this year’s spring cleaning, make a list of what makes up your home. What’s new, what can’t you live without or would need to be urgently replaced if your home is damaged or destroyed and most importantly how much are each of those items worth.
Take pictures or videos, keep bills, receipts, warranties and instruction manuals for your more valuable possessions. They can serve as proof of ownership. Make sure you print and store your list with your receipts in a safe place (like a safety deposit box) or save it to an online account so it’s always accessible.
And while list making is good, don’t forget to make sure your insurance agent knows about those new items or renos. They’ll know best how to make sure you’re covered.
Not sure where to start creating your own home insurance checklist? Here’s a simple form that you can fill out on your tablet or print out. Click here for the Wawanesa Personal Property Inventory Checklist.
For more information on home insurance checklists go to the Insurance Bureau of Canada
Have I got a deal for you. March is Fraud Awareness Month in Canada and with a little extra effort you could help save BC motorists nearly half a billion dollars a year just be being a little more fraud aware.
Surprised to find yourself in the midst of an accident? Here are some red flags that could suggest a staged collision:
• The impact occurs at low speed with little damage to the vehicles involved and several passengers claim to have soft-tissue injuries.
• There are conflicting descriptions by those at the scene about how the accident occurred.
• A tow truck arrives almost immediately at the scene.
• Someone is at the scene ready to suggest a repair facility, clinic or other service provider.
If you suspect that you were a victim of a staged collision, call the police from the accident scene, document all that you can, carefully review anything that you are asked to sign, contact your insurance representative right away and use ICBC’s tip line if you suspect a scam: 1-800-661-6844.
The best advice is avoidance, steer clear of these fraudster’s favourite weapons by avoiding tailgating and by looking well beyond the front of your car while driving.
For more tips from the Insurance Bureau of Canada on avoiding auto insurance fraud click here.