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What Are Your Possessions Worth?

Written by on 9/8/2015 10:00 AM . It has 1 Comments.

Most people underestimate the value of their possessions. If you don’t have an up-to-date inventory of your belongings, chances are you will have a hard time identifying the items you are missing should you suffer a loss. The Consumer Price Index (CPI), provided by Statistics Canada, is an indicator of changes in consumer prices experienced by Canadians. CPI on clothing and footwear in Ontario alone has increased by 9.4% since 2010. We often underestimate the value, quality, and quantity of our possessions. Print a copy of this personal property inventory checklist or download an Excel sheet provided by the Insurance Bureau of Canada, to track your possessions room by room. It is also a good idea to take photos of your possessions. Be sure to keep your inventory checklist and photos at an off-site location, in a fire-proof safe or save electronically in a cloud storage. Do you have enough coverage for your possessions? To avoid nasty surprises in the event that you need to make a claim, be sure to ...

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5 New Traffic Laws You’ll Want to Know

Written by on 8/28/2015 10:00 AM . It has 0 Comments.

New rules of the road will affect drivers in Ontario. The province of Ontario will introduce a new set of traffic laws effective September 1, 2015, as part of its efforts to make driving safer in the province. Here are the five new traffic laws that are most likely to affect your everyday driving: Distracted Driving Current Penalty: $60 – $500 fine Penalty effective September 1, 2015: $490* fine and three demerit points; minimum 30-day suspension for novice drivers “Dooring” of cyclists or vehicles Current Penalty: $60 – $500 fine Penalty effective September 1, 2015: $365* fine and three demerit points Passing cyclists Current Penalty: None Penalty effective September 1, 2015: Drivers must leave a one-metre distance when passing cyclists or face a $110* fine and two demerit points; $180* fine and two demerit points for failing to leave a one-metre distance when passing cyclists in a community safety zone. Improper lighting on bicycle Current Penalty: $20 ...

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Risks Associated With Ridesharing

Written by on 8/18/2015 10:00 AM . It has 0 Comments.

Do you have coverage in the event of a collision during an UberX experience? The Insurance Brokers Association of Ontario (IBAO) is warning UberX drivers and passengers of the risks associated with ridesharing programs. In a press release on Thursday, the IBAO, a not-for-profit association representing and serving the interests of over 12,000 independent p&c insurance brokers in Ontario, said that there are “a number of myths that suggest insurance coverage would be recognized should an UberX driver or an UberX passenger be involved in a collision.” “The simple fact is that UberX is a new concept that Ontarians are embracing quickly, both as drivers and as passengers,” said IBAO president Michael Brattman in the release. “At this time, drivers and passengers should know that there is no existing endorsement for a personal lines policy that is available today that would guarantee them coverage or protection in the event of a collision during an UberX experience.” ...

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August Events

Written by on 8/11/2015 10:00 AM . It has 0 Comments.

Civic Holiday – Office closed
August 3, 2015

Jeff Beukeboom Charity Classic
August 6, 2015

Lindsay Ribfest – Old Mill Park
August 13 – 16, 2015
For more information:

Scugog Chamber Golf Tournament
August 20, 2015

Homestead Oxygen Golf Tournament
August 22, 2015

Emergency Services Golf Tournament
August 26, 2015

Fuel Oil Spills

Written by on 8/11/2015 10:00 AM . It has 0 Comments.

What you need to know about fuel oil spills Like most metal products, the fuel oil tank located in your basement or outside of your house will deteriorate over time. Water and sludge in the bottom of your tank, or the effects of exterior corrosion will eventually cause small pinhole leaks to develop. However, while pinhole leaks are the most common, there are many other ways that an oil spill can occur. Common causes of fuel oil spills Pinhole leaks from interior or exterior corrosion Damaged fuel lines or filters from falling snow or ice Oil tank legs collapse from corrosion Leaking pump, atomizer, or fuel oil filter Valves or fuel lines burst from pressurization during the filling process when a vent pipe is blocked Leaking underground storage tanks Oil tank topples as a result of an unstable base or footing Oil tank is overfilled at the time of delivery Vehicle impact to outside oil tank Click here for full article and very important self inspectio ...

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How Your Auto Insurance Rates are Set

Written by on 7/30/2015 10:00 AM . It has 0 Comments.

Do you feel like you’re paying too much for auto insurance and don’t quite understand why? Here is some insight to help you better understand how auto insurance rates are set. Your auto insurance rates are determined by a combination of factors including: Your Personal Profile The Amount of Coverage You Purchase Your Deductible The Insurance Company You Choose 1. Your Personal Profile The type of vehicle you drive: Many insurance companies rate makes and models of vehicles according to their actual claims experience, such as the cost of repairs, the rate of injury, and the likelihood that a particular vehicle may be stolen or involved in an accident. The Insurance Bureau of Canada (IBC) has a document called How Cars Measure Up. This document provides information on the claims experience of most models of passenger vehicles. To review or print the latest version of “How Cars Measure Up”, visit IBC’s website. Your driving record: The premium ...

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July Events

Written by on 6/8/2015 10:00 AM . It has 0 Comments.

Canada Day – Office closed
July 1, 2015

Lindsay & District Chamber of Commerce Annual BBQ
July 10, 2015

Kawartha Lakes Pride Picnic
July 11, 2015
For more information:

Rolling Thunder Parade
July 11, 2015
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Woodville Family Festival
July 11, 2015

Classics on Kent
July 12, 2015
For more information: 

The Commonwell Annual Charity Golf Tournament
July 16, 2015

Brits in the Park
July 19, 2015

June Events

Written by on 6/1/2015 10:00 AM . It has 0 Comments.

Crime Stoppers of Kawartha-Haliburton Annual Golf Tournament
June 3, 2015

Pan Am Torch Relay – Lindsay
June 4, 2015

Care Gala
June 4, 2015

Senior Showcase – Peterborough
June 17, 2015

Homestead Annual BBQ
June 17, 2015

Aviva Golf Tournament
June 25, 2015

Lindsay & District Chamber of Commerce Golf Tournament
June 25, 2015

We’re Back Home!

Written by on 5/28/2015 10:00 AM . It has 0 Comments.

Effective June 1st, 2015, our Lindsay office has returned to 158 Lindsay Street South from our temporary location at the Lindsay Square Mall. Visit us at our newly renovated location and let’s talk about your insurance.