Author: Communications Team

A two lane highway with cars driving through a snowstorm overlaid with text reading 12 factors that impact auto insurance rates.

12 Factors that Impact Auto Insurance Rates

Your auto insurance premium is affected by many different factors. Some of these you can control and others you cannot. This article will explain 12 of the most important factors that impact auto insurance rates, which include:  Your driving record  If you’ve taken driver’s training  Your insurance history  Your credit rating  Your demographics  Where you live  How you […]

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A two-storey detached home overlaid with text reading 20 factors that impact home insurance rates.

20 Factors That Affect Your Home Insurance Rates

Insurance companies use complicated calculations to determine home insurance rates. Here are 20 factors that affect your home insurance premiums:  Style and Construction Material of the Home  Square Footage of the Home  Age of the Home Age and Material of the Home’s Roof  Age and Type of Plumbing, Electrical and Heating Systems  Other Structures   Presence of […]

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How does an at-fault accident affect my car insurance?

Depending on the province you live in, who is at fault in an accident is incredibly important: it determines who will pay for injuries and damage in an accident and whose insurance rates will go up. Being at-fault in an accident can significantly impact your insurance, especially if you also receive a ticket or criminal […]

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The Basics of Credit Card Travel Insurance

Many credit cards offer travel incentives and some even offer travel insurance. But what’s covered by credit card travel insurance? Is it enough? We’ll address these questions and more in this article on the basics of credit card travel insurance. Travel Insurance Basics First, let’s establish what travel insurance includes. There are a few different […]

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10 Reasons Your Car Insurance Won’t Cover You

Did you know your car insurance company has the right to deny coverage in certain situations? Some items on this list are simply not covered while others will leave you with a voided car insurance policy. You may receive advance notice or have none at all – it all depends on the situation and your […]

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Do I need commercial insurance for my part-time business?

A part-time business can definitely be an exciting prospect. One question you’ll face as a part-time business owner is, “Do I need commercial insurance for a part-time business?” The answer is yes, you definitely need commercial insurance for your business, even if it’s only a part-time endeavour. Why? Your business inventory, premises, and liability won’t […]

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Can I get travel insurance if I have a medical condition?

Travelling should be fun and relaxing, but, unfortunately, it can be stressful if you have to deal with a medical emergency or illness or if you’re forced to cancel or interrupt your plans suddenly. That’s where travel insurance can help – it can help cover your medical care, refund some of your money after cancellation, […]

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Babysitting and Your Home Insurance

Babysitting makes a great job for responsible teenagers or adults who like kids. With childcare in high demand for many parents, it’s a great way to start earning money and help out the family, friend, or neighbour. If you or your teenager is taking on the task of babysitting, make sure you understand the risks […]

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The Ultimate Guide to Business Interruption Insurance

If your business is forced to stop operations due to circumstances outside of your control, it can be financially devastating. Business interruption insurance can help your business when it needs it most, whether it’s making it through a forced closure or recovering after one. Natural disasters, mandatory evacuations, and insurance claims are hard enough already […]

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Usage-Based Car Insurance: What You Need to Know

What is usage-based car insurance? Usage-based car insurance, also known as “pay as you drive” (PAYD), “pay how you drive” (PHYD) and telematics insurance, is when premiums are determined by an individual’s driving habits. Although not the only factor, a driver’s car insurance policy becomes more dependent on their competence on the road. Consequently, the […]

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