Is the cheapest car insurance always the best option? No. A lower premium can come with higher deductibles, lower liability limits, fewer endorsements or exclusions that leave you with less protection when you need to make a claim. Compare policies based on coverage, limits, deductibles, claims service and insurer stability as well as price. The […]
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Whether you’re a fan of daylight savings time (DST) or not, we all have to deal with it! Recently, there has been an increase in studies that show the effects that a 60-minute time change can have on the body, health and even traffic safety. For instance, road related accidents usually increase both after DST […]
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Usage based insurance (UBI) is an insurance program that rewards your good driving habits by decreasing your premiums. When, where and how you drive is all tracked by a small telematics device that is installed in your vehicle. The information is relayed back to your insurance company, who will determine the discount. But what are […]
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The Alberta government is going to be taking a hard look at the provincial auto insurance system in the near future. With the second highest automobile insurance rates in Canada according to the IBC, many people agree that it’s time to take a look and make some changes to the current system. What Does This […]
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Usage based insurance (UBI) is a new insurance program that is meant to reward drivers with lower premiums for having good driving habits. You might ask, “But how will my insurance company know that I regularly practice safe driving behaviours?” The answer is pretty neat. In order to capture and analyze data, a small wireless […]
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this year are likely to lead to another increase in Alberta insurance rates. The 2016 blaze forced more than 80,000 people from their homes, and is said to be the costliest disaster for insurers in Canadian history. Read on to learn more about why you shouldn’t be surprised to see your premiums or deductibles go […]
Read MoreWhich province had the highest car insurance rates in Canada in 2015? According to the 2015 data presented in this article, Ontario had the highest average annual car insurance premium, followed by Alberta. The figures are historical and should not be treated as current insurance pricing because provincial rates, regulations and insurance systems have changed […]
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What is the difference between condo and tenant insurance? Tenant insurance is designed for renters and typically protects personal belongings, personal liability and certain additional living expenses. Condo insurance is for unit owners and can also cover unit improvements, property within the unit and certain gaps or assessments related to the condominium corporation’s policy. The […]
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What insurance does a small business need? The right coverage depends on the business, but common policies include commercial general liability, property insurance, business interruption, cyber insurance and professional liability. A business with employees, vehicles, specialized equipment or contractual requirements may need additional protection. The goal is to match coverage to the risks created by […]
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Whether you own a single family home, condo, townhouse or other type of domicile, you are legally obligated to insure your property. They may seem similar, but home insurance and condominium insurance provide different levels of coverage. Check out ARC’s guide below to get the low-down on the difference between these types of insurance. CONDO […]
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