From the category archives: Fairway Insurance Services

Auto insurance

Summer Is Here!!

Written by on 7/15/2019 7:10 AM in , , , , , . It has 0 Comments.

Summer is in full swing, and with that we see more traffic on the roads, and on the water. Whether it’s a car, boat, pedestrian or kayaker there are lots of people out there.  It is very important that we are not distracted when operating any vehicle or watercraft.  Pay attention to your surroundings and always look twice. Ensure that you are following the rules of the road and water.  Here are just a few great tips. If you’re on the road: 1)     Watch for pedestrians and wildlife 2)     Don’t drink and drive 3)     Don’t do anything that distracts you, pull over instead If you’re on the water: 1)     Be cautious of other boaters and swimmers.  Don’t get too close 2)     Don’t drink and boat 3)     Ensure your have your pleasure craft operators card We want everyone to have a safe and enjoyable summer, but accidents ...


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Halloween Safety

Written by on 10/30/2018 7:03 AM in , , , , , . It has 0 Comments.

Halloween is a fun and exciting time for most, but can be scary! It is important to keep safe and avoid getting hurt. So here are some Halloween Safety Tips for children and young adults: -head out early and avoid staying out too late -wear reflective tape or light up/flashing items -take a flash light to ensure you can see where you are walking -make sure your costume doesn’t drag so it wont trip -make sure you can see and hear out of your mask properly (or try face paint!) -make sure to dress warm under your costume -look both ways before crossing the street -make sure vehicles are stopped and can see you before crossing the street -consider going to a Trunk or Treat event to avoid walking on the roads in the dark -always go with a parent or with a trusted adult -don’t go inside a home of someone you don’t know -try to only go to doors of people you know -be kind and polite -never eat a candy or treat that appears to be tampered with or opened -have an adult check your loot ...


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Motorcycle Safety Tips for Wharf Rat Rally and All Season Long!!

Written by on 8/28/2018 5:18 AM in , , , , . It has 0 Comments.

With the 14th Annual Wharf Rat Rally coming to Digby, Nova Scotia this week, this little town is expecting an influx of bikes and their riders. While motorcycles are a fun, fuel efficient method of transportation, it is important to be aware of the safety risks that come with riding these bikes. Here are a few tips to keep you and your family safe this year all while enjoying the freedom that comes with riding a motorcycle! 1.      Brush up on core skills in a safe place like an empty parking lot by practicing emergency braking and obstacle avoidance. 2.      Always use your signals to make other drivers aware of your actions at all times.  3.      Ride at a safe speed and stay far enough behind other vehicles that you have plenty of time to stop safely. 4.      Avoid bad weather as much as possible. Rain not only cuts your visibility but reduces your tires’ grip on the road. 5.  & ...


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The Truth about Modifications and Lift Kits – Are you covered?

Written by on 8/23/2018 6:39 AM in , , , . It has 0 Comments.

Does your vehicle have a lift kit or other modifications?  If you answered yes, you may not be covered on your current policy.  The application that you sign for your insurance policy asks if your vehicle has been modified.  If you answered no and the vehicle has, in fact been modified, your policy contract with the insurance company could very likely be null and void. There are many modifications that can be made to a vehicle, but some can affect whether your vehicle meets safety rating laws or the underwriting guidelines of your insurance company.  Modifications such as lift kits and engine upgrades etc., can seriously affect the safety of a vehicle, particularly if it is not installed properly.  For this reason, insurance companies need to be aware of any changes made to the vehicle  and, depending on the specifications, may decline to insure the vehicle. Lift kits are the most common of the modifications that we see and are often overlooked or not reported.  This coul ...


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Be a Better Driver!!

Written by on 6/26/2018 4:44 AM in , , , , , , , , . It has 0 Comments.

Let’s face it, at some point in our driving history we have all been distracted by one thing or another, lucky for most of us, we haven’t caused an accident…YET! Distracted driving has become a serious issue in today’s society. The use of cell phones in cars has increased significantly. RCMP are now cracking down on distracted driving, and are handing out some hefty fines, and we couldn’t agree more…for everyone’s safety. Here are our top 8 tips on how to stop being a distracted driver: If your phone allows it, turn on Do Not Disturb while driving If your phone doesn’t have do not disturb, put it out of reach Set your GPS before your start driving do you don’t need to do it when you’re on the road. Make sure your passengers are not a distraction. If you have children, give them something to occupy them Avoid eating, drinking, and applying make-up while your vehicle is in motion Keep music at a reasonable level so ...


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Don't Be Distracted While Driving

Written by on 3/7/2018 9:38 AM in , , , , , , . It has 0 Comments.

In today’s society it is becoming easier to be distracted while driving. Busy lifestyles mean we are always on the go and trying to manage our time can be difficult. There are times and places where this is acceptable. Operating a vehicle is not one of them! More and more we see drivers partaking in bad habits while driving. Distracted driving is a increasing issue. Not concentrating properly can cause you to make mistakes, miss your turn off, not see ahead and cause  fatal accidents. Some activities that contribute to distracted driving  include: Eating or drinking Texting Reading Personal grooming Reaching for an item Smoking Allowing pets on lap Changing songs/music Trying to calm an upset child/help them with something What can you do to avoid being distracted while driving? Be smart and aware! Stop to eat and drink or make sure you have had something before you go. Turn your phone off or on silent and don’t reach for it. There ...


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What's your Deductible??

Written by on 2/27/2018 5:19 AM in , , , , , , , , . It has 0 Comments.

Deductible options are used in  both auto and home insurance. Many insurance companies have set deductible options. When choosing your collision and comprehensive deductible your insurance broker should advise what options are available. For example: $1000, $500, $250 and $100. The higher the deductible the lower the premium. Depending on the overall rating, increasing or decreasing the deductible may not change the premium by a large spread. In other cases it can alter the premium enough to make a difference. The same applies to home insurance. Due to rising claims, some companies have set minimum deductibles for collision, comprehensive and home insurance. Picking your deductible should be based not only on how it effects the cost of your policy but also what you can afford if you were to have a claim. If you want  a $1000 collison deductible in order to bring down your annual premium, you need to be able to pay $1000 out of pocket if you were to have an at fault collision claim. Check w ...


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The Myth of "Full Coverage"

Written by on 1/22/2018 6:33 AM in , , , , , . It has 0 Comments.

Many times insurance brokers hear the term full coverage throughout the day. Many of those conversations are with clients requesting 'full coverage' because they have purchased a newer vehicle or just purchased a home. If you've ever been corrected it is because 'full coverage' is not a proper term. There is no such thing as full coverage. Why? Full Coverage would be implying that everything possible would be covered. There are limits to definitions of coverage and exclusions that prevent everything from being covered. In auto insurance for example, collision and comprehensive are the two of the coverages you require when financing a vehicle. You get to choose deductible options for each (without going over $1000). There are also several optional endorsements that can be added which provide additional coverage such as a rental vehicle, road side assistance and an accident waiver. Comprehensive covers theft of a vehicle but not theft of the items in the vehicle. Therefore it would not be proper to state you ...


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Winter Driving Tips

Written by on 1/3/2018 7:35 AM in , , , , , , , , . It has 0 Comments.

With the first winter storm of 2018 fast approaching, the Insurance Brokers Association of Nova Scotia has released some tips to keep you prepared on the road. We all know that no one wants to be on the road during bad weather, but being prepared can make all the difference.  ·        Remove all ice and snow from your windshield, mirrors and side windows. ·        Check your wipers and washer fluid. ·        Make sure you have winter tires on your vehicle. ·        Check tire pressure regularly as this can be affected by cold temperatures. ·        Keep your gas tank topped up in case you get stuck in traffic. ·        Carry a blanket, shovel, snacks, flashlight, emergency kit, road salt/sand. ·        Check ...


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The Importance of Choosing A Local, Family Oriented Business for Your Insurance Needs

Written by on 11/9/2017 5:14 AM in , , , , . It has 0 Comments.

Fairway Insurances Services Inc. is a family operated business. With over 40 years of experience we have grown and expanded to fit the needs of our clients. We have insurance brokers all over Atlantic Canada, and in British Columbia to help find the right kind protection for you and your needs from the best insurance companies offered in Canada. Insurance is not simply a piece of paper or a contract. Insurance is being able to have peace of mind knowing that you, your family, and your assets are protected. When you buy insurance, it is not just another pill to pay every month. By buying insurance, you have just purchased the peace of mind that when a bad situation occurs you will be protected. The assets that are important to you can range from thousands of dollars to millions of dollars, so shouldn’t you be insured by a brokerage that cares about you, understands the importance of these assets, and wants to make the process easier? At Fairway Insurance, we care not only about our client’s fina ...


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