Insurance Tips & Resources
We have included a set of Insurance Tips for you to consider in order to protect yourself and others. Most of the resources are externally provided so we have provided links to those topics.
- Preventing vehicle theft
- Being safe in a vehicle
- Child passenger safety (External Site)
- Road safety (External Site)
- Airbags and seatbelts (External Site)
- Drinking and driving (External Site)
- Safety with cell phones and distracted driving (External Site)
- Safety with winter driving (External Site)
- What to when you are involved in an accident (External Site)
Tips on Your Well Being
- Park in a well lit and monitored area.
- Never keep spare keys in the vehicle.
- Ensure that the ignition is off and the windows are shut whenever you leave the car.
- Take valuables out of the car or at least conceal their location.
- Install theft deterrents such as alarms or ignition disablers.
- Never leave important documents in the vehicle. This includes your auto insurance information.
- Read your vehicle owner's manual to understand its maintenance needs.
- Maintain your vehicle according to the manufacturer's recommended maintenance schedule.
- Have your vehicle checked by a qualified mechanic whenever you notice a change in braking or handling.
- Consider taking a driver's safety course.
- Improving your driving habits may also improve the life of your vehicle.
- Close the blinds and curtains.
- Lock all doors and windows before leaving.
- Invest in a home alarm system.
- When not home at night, leave the lights on.
- Regularly inspect the inventory of your house.
- Keep valuables in a safe or unlikely place. (Never place valuables in your bedroom).
- Mark valuables with personal identification.
- Keep shrubbery cut back so they don't block windows and doors.
- Secure window air conditioners from the inside.
- Keep your property as illuminated as possible.
- Use strong doors and locks. There have been large security concerns over deadbolt locks as most locks can now be compromised without any evidence of a break-in occurring. For more information click here.
- Protect glass windows that are easily accessible by individuals from the outside. Prevent glass windows from shattering on impact.
- Use high quality, commercial grade deadbolt lock. Residential grade deadbolt locks are easily opened by picking the lock.
- Investing in a barking (but not biting) dog may be a good idea.
- Ensure a burglar cannot access the roof from a tree or a ladder left outside.
- Never put any form of identification outside of your house with your full name. Burglars can check if you are home before breaking in.
- Never leave a note on your door stating that you are not home.
- Never leave spare keys in a easy or obvious location.
- Never leave cash or valuables in direct view of a window or door.
- Never leave the door unlocked even when you are home.
- Stop all mail delivery or arrange a neighbour to pick up the mail for you.
- Arrange a neighbour to cut the grass or shovel snow
- Maintain lighting patterns in your home, or have a neighbour turn on the lights in your house when needed.
- Ask a neighbour to put a garbage bag in front of your house on collection day.
- Leave at least one car in your driveway. If you don't have a car, ask your neighbour to park their car in your driveway.
- Do not talk to strangers about your vacation plans. Tell someone you trust your vacation plans, when you are expected to return, and your contact information.
- Remove valuables from your home and let someone you trust keep them until you return. If that is not possible store them in a safety deposit box,
- Ensure that all of the doors and windows are locked, including the garage doors.
- Immediately leave the house. The burglar may break in your house again.
- Never confront a burglar or block their exit route. The burglar might be armed with a weapon.
- Immediately call 911 when you are safely outside your home or in a neighbour's home.
- Knowing your credit score allows you to be able to keep track with your current or previous loans for the previous 6 years.
- Without regular checking your credit score may be lower than expected. Missing or late loan payments or mistakes in your report can reduce your credit score.
- A low credit score can prevent you from making large loans in the future (such as mortgages).
- More information about checking your credit score can be found here.