Insurance Tips
Auto Plan Insurance Tips
Underinsured Drivers
Purchase Excess Underinsured Motorist Protection (UMP) to protect yourself from underinsured drivers.
RV Insurance - Affordable?
Do you have a motor home, travel trailer, or camper? Insurance is very affordable for RV’s.
Sled Coverage
Did you know snow machines are not covered under your home insurance?
Roadside Plus Coverage
Roadside Plus coverages apply throughout Canada and the USA including Alaska and Hawaii, but not in Mexico or any other country.
Registering your Vehicle in B.C.
If you own a vehicle, and you are bringing it to B.C. from another province, in order to register the vehicle, the following is required…
Registering a used vehicle from the USA
In order to register the vehicle, the following is required…
Purchasing Insurance
Considering purchasing vehicle insurance from a direct writer (like CDI)? Bear in mind that with this type of insurer, that while you may save on premium dollar, you do so at a cost.
Out of Province Vehicles
Buying a vehicle from out of the province? A B.C. Vehicle Inspection is required before it can be insured.
Lock Your Car Doors
Be sure to lock your car doors before leaving your vehicle and keep all valuables out of sight.
Getting a Bettter ICBC Discount
How can I better the discount that ICBC offers on my Autoplan insurance?
Keep Your Keys
Don’t leave your spare keys in the car for a thief to find.
Driving Experience = Discounts
Does everyone in your household have more than 10 years driving experience?
Declaring Principal Vehicle Operator
What happens if I declare the principal operator of my vehicle when I renew my policy, and then it changes some time after that?
Autoplan Discounts for Seniors
Over 65? Ask us about the senior discount on your Autoplan insurance.
ATV & Snowmobile Insurance
Putting a storage policy on your ATV or snow mobile?
At-fault Accident Damage
What happens if someone is in an at-fault accident in your car causing damage?
Anti-Theft Devices
Having a passive immobilizer installed in your vehicle (an anti theft device that automatically cuts off power to the vehicles fuel, starter, or ignition system) provides discounts on your Comprehensive and Specified Perils insurance.
A new driver in your household?
Be sure to check that you don’t have the 10 year experience discount (rate class) on your vehicle.
Commercial Insurance Tips
Outbuilding Insurance
Do you use an outbuilding for business use? Ask about a commercial policy to cover the business use of the outbuilding.
Kitchen Systems
Commercial Kitchen Systems must be UL300 compliant.
Home Business Insurance
Do you have a home based business? Your homeowners policy often can be endorsed to provide coverage for your Home Based Business.
Equipment Breakdown Insurance
Did you know you can purchase insurance for Equipment Breakdown of your office equipment, commercial phone systems and computer equipment?
Homeowners Insurance Tips
Woodstoves in the home
Have you installed a woodstove in your home? Be sure to let your insurance company know.
Take a Home Inventory
Take a home inventory of the contents in your home. As an option, take a video or digital photo...
Standard Homeowners Policy
A standard homeowners policy insures your home for replacement cost. Don’t confuse replacement cost with what your home is presently valued for...
Secure Your China Cabinet
Secure your china cabinet to the wall. If it falls over the “fragile and brittle articles” in the cabinet are not covered for breakage under your homeowner's policy.
New Home Discount
A New Home Discount for houses new to 20 years can save you 2% to 15%.
Record and Loyalty Discounts
Claims Free Record and Loyalty Discounts can save you 5 to 25% on your insurance premium.
Mortgage Free Discount
A Mortgage Free Discount can save you 5% to 10% on your insurance premium.
Monitored Alarm Systems
Monitored Alarm Systems can save you money on your insurance.
Insuring Antiques and Collectibles
How do I best determine a value for antiques, collectibles and fine arts?
Insuring Valuable Personal Property
I have personal property like bikes and jewellery that are highly valued. Does my homeowners policy fully cover these things?
Increase Your Deductible and Save
Increase your deductible; you can save 15-25% on your insurance premium.
Homeowners Policy Exclusions and Limitations
All homeowners policies contain exclusions and limitations. Reading your policy wording is the most effective way to do this.
Home Vacancy
Most homeowners policies exclude all coverage on your home when it has been vacant for more than 30 days.
Homeowner Coverage Review
Is your broker reviewing your policies on a regular basis to ensure that coverage is meeting your needs?
Home Renovations
Have you made a major addition or renovations to your home that has increased the replacement cost of your home?
Going Away? Turn Off the Water
Turn off the water to the washing machine when you go on holidays, or better yet shut-off your main water supply valve.
Home Appliances
Record serial and model numbers of appliances and household equipment.
Going Away?
Did you know that most homeowner’s policies require that, during the usual heating season, if you’re away from home for more than 4 consecutive days...
Doing Renovations? Let Us Know
Should I notify my broker if we are doing renovations?
Do you have tenants in your dwelling.
Do you have a dwelling you own and rent to others?
Carbon Monoxide Detectors
Install a carbon monoxide detector in your home. CO is a colourless, odourless gas that can kill.
Travel Insurance Tips
Travel Insurance
When traveling outside of B.C., one should seriously consider purchasing additional medical insurance...