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 ...
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 ...
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 ...
Tired of Winter? Planning a Trip? Here are some important things to know before you go!!