Reduce your risks and save money
February 12 2012 // Home Insurance
You can manage and reduce your risks to keep your insurance premiums down.
Submitting claims that could have been prevented could cause your premiums to rise costing you more money.
Top 3 claims that could be prevented
- House Fires: Most house fires are caused by leaving items unattended that shouldn't be. This includes candles or items on the stove or in the oven.
- Water damage: Some water damage claims can be prevented by cleaning out your eavestroughs and downspouts on a yearly bases and inspecting your roof frequently.
- Personal Liability: When entertaining in your home and serving alcohol be sure your guests take a cab home or make arrangements to drive them home yourself if need be.
These are very simple risks to manage. Having a claim from one of these mishaps can result in thousands of dollars paid out and in the case of a liability suit it could be in the millions. Claims like these will increase your insurance rates and could temporarily disrupt your life.
Dominion of Canada lowers auto rates
February 01 2012 // News, Auto Insurance
Dominion of Canada lowers auto insurance in Lorne Park & Port Credit
Dominion of Canada Insurance Company has experienced significantly lower car insurance losses in the L5H and L5G postal code areas of Mississauga. Due to their good claims experience Dominion has applied to the Financial Services Commission of Ontario to reduce their auto rates approximately 10% effective March 1, 2012. This reduction could result in a substantial savings for people and even greater savings to those who have more than one vehicle in the household.
If you have car insurance and are living in Lorne Park or Port Credit area please call our office for a quick quote with the Dominion of Canada. We're sure we'll be able to save you money, and provide you with personalized service without compromising coverage.
For more information contact us at http://www.neziol.com/
On Toque Tuesday, help ‘put a cap on youth homelessness’!
January 30 2012 // News
Media Release
On Toque Tuesday, help 'put a cap on youth homelessness'!
Mississauga Ontario, January 30, 2012: Neziol Insurance Group and Intact Insurance are proud community partners in Raising the Roof's annual National Toque Campaign. On Toque Tuesday, February 7, volunteers will be out in force selling the cheery toques for a $10 donation. Eighty per cent of the net proceeds will go to support the work of Our Place Peel. The remainder will help fund Raising the Roof's national projects aimed at long-term solutions to homelessness.
The campaign is a collective effort to "put a cap" on youth homelessness. Thousands of people across Canada – an estimated 65,000 of them youth – do not have a place to call home. Our Place Peel alone has severed over 4000 homeless youth since 1985.
WHAT: Neziol Insurance Group and Intact Insurance are joining in Raising the Roof's annual national Toque Tuesday fund- and-awareness-raising campaign in support of homeless youth
Winter driving tips
January 12 2012 // Auto Insurance
Winter Driving Tips
Although Canadians are experienced winter drivers auto accident claims will still increase by approximately 44% in Ontario alone during the winter months. Here are some tips when driving conditions become treacherous.
- Always check your local weather forecast for heavy snow fall warnings, freezing rain, black ice or high wind warnings.
- Adjust your driving speeds appropriately to the weather conditions.
- Be sure your car has been tuned up before the cold weather, making sure everything is in good working order and fluids are topped up.
- Check the tires and tire pressure at least once a month. Its best to check them when the tires are cold.
- Windshield wipers may need to be replaced and keep an extra jug of windshield washer fluid in the car.
- Make sure you can see clearly before driving your car by clearing off all snow and ice from the windshield, side mirrors, windows and lights.
- Never let your fuel tank go below half a tank. You never know when you could be stranded and will need the extra gas in the car to stay warm.
- In reduced visibility, you should make sure your emergency flashers are on to alert other drivers.
- Always keep an emergency kit in your car during winter months. The kit should include a warm hat, warm boots, blanket, flashlight, matches, a survival candle in a can, water and energy bars.
Braking and Skidding
- To avoid your car from skidding slow down and allow yourself extra time to get to your destination. If you start to skid, decelerate by taking your foot off the brake, shift to neutral and look where you want to steer your vehicle.
- Give yourself lots of space between you and the car in front when driving on a slippery surface.
- When braking on ice with no anti-lock brakes it is best to use controlled braking by keeping the heel of your foot on the floor and use your toes to apply firm, steady pressure on the brake pedal. Stop just short of locking the wheels. If you accidently lock the wheels release the brake pressure, then immediately reapply it with slightly less pressure. Do not remove your foot from the brake or pump the pedal.
The majority of winter accidents can be prevented if we all slow down when driving.
Insurance Fraud
January 03 2012 // Home Insurance, Auto Insurance
According to the insurance industry 10 to 15 cents of every dollar paid in your premiums will go toward paying fraudulent claims. That means in some cases you could be paying hundreds of dollars more for your insurance due to fraud. The industry has estimated fraudulent claims total more than $1.3 billion each year.
Organized auto theft is a huge problem with over 52,000 reported stolen cars a year in Ontario alone but fraud has also spread to homemade' trailers, watercraft and all-terrain vehicles (ATVs). For example, criminals will steal a group of ATVs, turn around and sell them and then steal them back again from the new owners. These and other fraudulent activities are costing the insurance industry millions of dollars and the cost will eventually trickle down to your premiums.
What is being done about this problem?
- The Insurance Bureau of Canada, The Canadian Automobile Association, and The Canadian Coalition Against Insurance Fraud are a few groups helping to promote public awareness and improve investigative and enforcement techniques.
- The Ontario government has appointed a new Auto Insurance Anti-Fraud Task Force.
- Consumers have started to fight back by reporting any suspicious activity to the police.
If you find the price of that new ATV is too good to be true, then it is possible a crime is being committed right under your nose. Resale of stolen goods at a cheaper price is how criminals continue to make their living…think twice about purchasing something that was not from a reputable retailer.