Home Insurance News

Garage Security (Important Safety Videos)

Two videos on how to break into a garage and how to deter thieves that may try it.  Watch both.

How to get in a garage (48 seconds)

How to prevent it (3:29 minutes)

Safety Update: Series of Insta-Flame and Northern Flame Fireplaces Banned

Canadians have been advised by Health Canada and the Technical Standards and Safety Authority (TSSA) to stop using a series of Insta-flame and Northern Flame Fireplaces due to a serious safety risk. (more…)

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Auto Insurance News

Major auto reforms take effect this week in Ontario

THE MOST significant reforms to Ontario’s auto insurance system since 2010 take effect this week. As of June 1, for new policies and renewals, medical and rehabilitation benefits and attendant care benefits will be combined and reduced and new increased coverage options will be available.

The reforms are part of the Ontario government’s auto insurance rate reduction plan that included earlier measures to reduce fraud. Among other changes that take effect this week, insurerswill no longer be able to use a minor at-fault accident to increase premiums, subject to certain criteria. The provision is limited to one minor accident every three years. The maximum interest rate insurers can charge for monthly premium payments has been loweredfrom 3% to 1.3%for one-year policies, with corresponding reductions for shorter terms.

The standard deductible for comprehensive coverage has been increased from $300 to $500. The six-month waiting period for people who are not working to receive benefits has been reduced to four weeks but benefits will now only be paid for up to two years after an accident.

The amount of time that all claimants except children can receive medical, rehab and attendant care benefits will be five years for non-catastrophic injuries, and it will be paid only as long as they remain medically eligible. And the definition of catastrophic impairment has been revised to reflect up-to-date information. It includes new criteria for traumatic brain injuries, amputations, ambulatory mobility, loss of vision, and mental and behavioural impairments,and introduces a new process for combiningphysical with mental and behavioural impairments.

Tickets and Your Insurance Rates

Points usually have no bearing on your insurance. To your insurance company, a ticket is a ticket, whether or not it has demerit points, it will affect your insurance rate. (more…)

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