What should you know before buying auto insurance? Before choosing car insurance, understand the mandatory Alberta coverages, your liability limit, deductibles and whether you need optional collision, comprehensive, rental vehicle or loss-of-use protection. Your driving history, vehicle, location and use of the car can all affect price. Comparing quotes from multiple insurers helps you balance […]
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What documents do I need for car insurance? Insurers typically need your driver’s licence, vehicle details such as the VIN and registration information, your address, driving history and information about anyone else who will drive the vehicle. You may also be asked for your current insurance details or claims history. Having this information ready can […]
Read MoreWhich vehicles are most likely to be stolen in Alberta? Theft trends change over time, but commonly stolen vehicles tend to be models that are popular, valuable, easy to resell or targeted for export. A vehicle’s theft frequency can influence comprehensive insurance costs. Drivers should use current theft data when assessing risk and consider anti-theft […]
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Can I cancel my auto insurance at any time in Canada? In most cases, you can ask your insurer or broker to cancel your auto policy before the renewal date, but a mid-term cancellation may result in a short-rate fee or other adjustment. If you still need insurance, arrange your replacement policy before cancelling so […]
Read MoreThe Automobile Insurance Rate Board (AIRB) completed its 2017 Annual Review process which ultimately determines if auto insurance rates are going to increase or decrease in the upcoming year. The group reviews both personal and commercial vehicle policies for industry losses and determines trends that may affect pricing moving forward. Alberta’s Private Passenger Rate History […]
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What is third-party liability car insurance? Third-party liability coverage helps protect you financially if you are legally responsible for injuring someone or damaging their property with your vehicle. It can help pay covered damages and legal defence costs up to the policy limit. Alberta drivers are required to carry a minimum amount of liability insurance, […]
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Do you need insurance for an RV in Alberta? Motorized RVs such as motorhomes require auto insurance to be driven legally, while towable trailers have different insurance requirements. Even when separate insurance is not legally required for a trailer, coverage can protect against risks such as theft, physical damage, liability and loss of contents. Financing […]
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What is the difference between motorhome and travel trailer insurance? A motorhome is a motorized vehicle and needs auto-style liability coverage when driven, while a travel trailer is towed and does not have its own engine. Both can require property-style protection for the unit and contents, but coverage needs differ for liability, collision, storage and […]
Read MoreWhat insurance does an electrician need? Electricians commonly need commercial general liability to help protect against claims involving bodily injury or property damage arising from their work. Depending on the business, they may also need tools and equipment coverage, commercial auto, property insurance, cyber insurance, course-of-construction coverage or professional liability. Contract requirements and job-site risks […]
Read MoreAs a contractor, you have many responsibilities that must be taken seriously or else your risk losing reputation, clients or even the entire business. One such issue is the proper insuring of your liabilities and employees, as well as the results of your work. Whether you do residential or commercial work, all contractors need some […]
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