Insurance Options with Covid-19

Making the right decision The impacts of the COVID-19 pandemic go beyond health; the economic impacts are being felt by thousands of people who are facing an uncertain future. Many people are being told their job is no longer available or they must work from home and this poses some tough decisions, including what insurance…

Cannabis Legalization and Ontario Drivers

What does it mean for Ontario Drivers? As of October 17th, 2018 the federal government of Canada will change the rules surrounding the legal use of cannabis. If you are a resident of Ontario and a driver, there will be new rules and regulations concerning the use of cannabis and driving.   Cannabis and Driving Cannabis slows down your reaction…

Debunking Auto Insurance Myths (part 2)

More misconceptions with auto insurance in Ontario It’s time for Part 2 in our look at common myths and misconceptions surrounding auto insurance in Ontario.   Offense Dates vs. Conviction Dates: Auto-related convictions are rateable for 3 years from the date you are officially convicted, not the offense date. Until a conviction appears on your…

Do Speeding Tickets Affect My Car Insurance?

  How do speeding tickets affect insurance rates? Speeding tickets are one of the most commonly received traffic convictions and odds are you will at some point in your life receive at least one speeding ticket. So how does this affect your car insurance rates? In this blog, we will detail some important facts to understand…

Car Insurance & the Impact of Tickets in Ontario

Will this ticket impact my insurance rate? The answer to this question can vary, typically the answer is most commonly YES, new convictions/tickets will have an impact on your car insurance rates in Ontario.  You will typically only see your rates increase on renewal, as the insurance company will then run new reports and update…

DUI Insurance in Ontario

How does a DUI Conviction impact your auto insurance rates? It’s not only ‘bad drivers’ who get hit with criminal convictions such as a DUI or an Impaired Driving charge. A DUI can happen to anyone; the charge relates to both alcohol and/or drug influence and the effect on your insurance will depend on your…

Careless Driving & Insurance

Careless Driving Careless driving in Ontario is typically rated by most auto insurance companies as a Serious/Criminal conviction which likely means you will only qualify for a high risk auto insurance policy once this charge appears on your driving record with the MTO. What is Careless Driving? According to Section 130 of the Highway Traffic…