All-Risks Insurance Brokers Limited Chatham
201-213 King Street West N7M 1E6 Chatham, ON, Canada

Intact Insurance’s New Advertising Campaign The new ad features a familiar face: Canadian actor Yannick Bisson, who is well-known for his lead role in Murdoch Mysteries. Yannick will play the lead role in Intact's TV and online commercials. Give us a call to review your Insurance with one of our qualified Insurance Brokers. 519-360-2511

My Teen was in a Car Accident. Now What? Your teen calls and says they’ve been in a car accident. Now is your time to take a deep breath, calm them down and, together, follow these steps to get through the next few minutes. Call 911. Ask them first if there’s an injury. If there is, call 911. Even if no one is hurt, it’s still a smart idea to call....Continue reading

It is always nice to receive praise from clients, and with our clients permission they asked me to share their comments. Good afternoon Mike! I am writing to give praise to your broker Tara Fancy. I have spent the day in e-mail correspondence with her about Ethans policy. She persevered through my endless questions about the policy. She addressed the little hiccups we discussed and then found Ethan a terrific deal going forward with great savings in a 3-month policy and the ...hope of more savings beyond. I am very happy with the services offered through your office and look forward to years of similar service in the future. Please pass this on to who should hear of this great customer service! Sincerely, Connie Whitely and Ethan Whitely See more

My Teen was in a Car Accident. Now What? Your teen calls and says theyve been in a car accident. Now is your time to take a deep breath, calm them down and, together, follow these steps to get through the next few minutes. Call 911. Ask them first if theres an injury. If there is, call 911. Even if no one is hurt, its still a smart idea to call....Continue reading

Interesting car facts for insurance costs, and a step away from Covid updates for a change. Car shopping includes finding out how much insurance costs for one vehicle over the other and clients with a Mazda CX-3 will see the lowest insurance rates, according to a recent report. Last year, the CX-3 was fourth but moved up to the top with an average cost to insure of $1,324. The average cost to insure a vehicle was $1,904, up $92 or about 5%.... The Honda CR-V LX ($1,333) and Jeep Wrangler Sport S rounded out the top three. The common thread? All are sport utility or crossover utility vehicles. The CX-3 doesnt come equipped with overwhelming horsepower (148 hp) and its recognition as a Top Safety Pick in 2019 by the Insurance Institute of Highway Safety (IIHS), helping keep premiums low. Honda managed to put three vehicles in the top 10 (the CR-V LX in second, the Odyssey LX in sixth and HR-V LX in 10th) and five in all in the top 20. It had the only sedan on the list, the Fit LX Sensing. Its Honda Sense package, which comes with a variety of safety features, is standard, the site said, making it cheaper to insure. As for the Jeep Wrangler, its considered a bare-bones type of vehicle, allowing for cheaper insurance. Jeep owners typically drive slowly, parts are basic and readily available, leading to lower repair costs, said Michael Harley, executive editor for Kelley Blue Book. On the other end of the spectrum, luxury cars were the most expensive to insure. The Mercedes AMG GT R and Audi R8 5.2L V10 Quattro Performance would setback owners more than $4,000 in annual premiums. The Nissan GT-R, BMW M8 Competition XDrive convertible and Mercedes S65 AMG rounded out the top five, all costing at least $3,900 to insure for the year.

Following up with some Auto rate reduction news. Second Stay at Home Payment Pembridge and Pafco customers who have active automobile policies as of July 6, 2020, and are in good standing, will qualify to receive this one-time payment of approximately 25% of their monthly auto premium. Customers need not apply for this payment, it will automatically be sent to them by cheque in August.... Also with all insurers, we would encourage you to submit any relevant changes in risk profiles so they can be re-rated to reflect a more accurate lower premium (e.g. changes in annual/daily mileage). See more

Following up with some Auto rate reduction news. Today we focus on Economical Insurance. If you are driving less, you may be eligible for an enhanced reduction on car insurance rates. Many insurance rates are calculated using an expected number of annual kilometres driven, so customers who disclose this change could, on average, see a difference of up to 15% in their monthly rate, until June 30. If you previously had a long commute, you may save more than someone who drove fe...wer kilometres annually. If you arent driving at all and your car is now parked, you can change the type of coverage on your vehicle for significant savings on your monthly rate - up to 75% on average. Applying a coverage suspension to your vehicle is a great way to reduce your rates while keeping your insurance policy active. You should ensure your policy will still protect you if youre injured as a passenger in another car, or even as a pedestrian, if you do decide to remove some elements of coverage. You must inform your Economical broker before you start driving again so you have at least the provincially required coverage in place. If your monthly budget has been impacted by COVID-19 through lack of employment or other factors, you may be eligible to defer your monthly payments, change your payment plan, or alter your method of payment to find a solution that fits your needs. If you are supporting your community by using your personal vehicle for things like volunteering or some form of delivery support, there will be no impact to your premium, but you should disclose this to your insurer. Economical will continue to assess these measures and ensure the right options are in place for customers. Alongside valued broker partners and dedicated employees, Economical is prepared to support Canadians through COVID-19. Also with all insurers, we would encourage you to submit any relevant changes in risk profiles so they can be re-rated to reflect a more accurate lower premium (e.g. changes in annual/daily mileage).

Our very own masked hero Jeffrey Comiskey doing his part in the May 16 Miracle food drive.

On May 16th, we are going to make a miracle happen in Chatham-Kent. Weve all been struggling in so many ways the past several weeks as a result of COVID-19. Among the hardest hit are food banks and organizations and those who rely on them for support. Join us on Saturday, May 16th at 12:00 p.m. as we hold a CK-wide food drive. Its easy to participate! Place a non-perishable food item on your doorstep before noon on May 16th and an amazing group of volunteers will be going a...cross CK to pick them up. Want to join the fight and help us spread the word? Visit www.may16miracle.com to download digital assets that you can share on social media. Tell your family, friends, and coworkers about the May 16th Miracle and how they can get involved. Invite your kids to create signs and banners to display in your windows, or create chalk art on your sidewalks or driveways. If you have any questions, more details and Frequently Asked Questions are available on the website, and will be updated frequently before May 16th.

Following up with some Auto rate reduction news. As we will post what insurers are doing as we find out. Today is ECHELON Insurance, Echelon Insurance... A rebate of up to 15% off premiums is available to Echelon customers. Brokers should work with their clients to reduce premiums, available to those who reduce the mileage associated with their policy. Echelon also recommends that clients speak to their brokers about taking off all but comprehensive coverage from their policy to enable a premium reduction of up to 80% if the vehicle is safely parked and stored amid the pandemic. These measures are in addition to previously-announced relief measures by Echelon: Those facing financial challenges during the COVID-19 pandemic can also take advantage of flexible payment options and having missed payments fees waived; Customers using their vehicles for volunteer delivery will get extended overage; Customers wont go without coverage; and premium rates will be frozen to ensure no additional expense for clients. We understand that many customers are doing their part. They are staying home and driving less, resulting in fewer cars on the road, said Robin Joshua, president of Echelon Insurance. We want to do our part by introducing additional measures to ease the financial burden this crisis has caused, while also recognizing the reduced risk associated with changes in driving behavior. Also with all insurers, we would encourage you to submit any relevant changes in risk profiles so they can be re-rated to reflect a more accurate lower premium (e.g. changes in annual/daily mileage).

Covid-19 Insurance update: Gore, Pembridge & Pafco & Intact Insurance Gore Mutual(no action by you required) will be sending personal auto policyholders a one-time payment equivalent to 20% of three months premium. All in-force personal auto customers as of April 09, 2020 will automatically receive the payment through cheque in the weeks to come. Pembridge & Pafco(no action by you required) customers will receive a one-time payment of approximately 25% of their monthly auto ...premium. They can expect to receive this "Stay at Home Payment" by cheque in May. Intact policyholders please click on the link below to update your policy if your kilometers driven has changed. All you need is your policy number. Easy https://www.intact.ca/on/en/discount-form.html Waiting on other Insurers for developing news. Due to the impact of the declared emergency, we would encourage you to submit any relevant changes in risk profiles so they can be re-rated to reflect a more accurate lower premium (e.g. changes in annual/daily mileage). Please call our office or email your Broker to request any changes.

Breaking: Province changes law to allow auto insurers to provide rebates during Pandemic This is some possible good news for our auto insurance rates we have been waiting for. Lets give our Insurance companies a chance to now respond hopefully in our favour. We are keeping a close eye on this and hoping to have some good news for our clients in the coming weeks.... We are here to help. We will post updates as we get them for you. Please follow us and share with others. Stay tuned. See more

Until further notice, you will not need to renew these products, even if they have expired: health cards drivers licences licence plate stickers... accessible parking permits Ontario Photo Cards Commercial Vehicle Operator Registration certificates and more More info: ServiceOntario.ca/Services

ONTARIO......SHUT IT DOWN

Hi everyone, Hope youre all doing okay and staying well! Thought I would send out a quick summary of Canadas COVID-19 Economic Response Plan. It may applicable to you. Emergency Funds for COVID-19:... 1. GST credit - $400 single adults - $600 for couples 2. Child Tax benefit Top up - $300 per child added on top of what you receive already. 3. Student loan payments deferred -6 month timeframe -no payments -no interest accrual 4. Indigenous community based support fund -$305 million 5. $200 million provided for community resources -Shelters/homeless needs -Sexual assault/transition homes 6. 10% wage subsidy for small-medium sized businesses for employees. -$25,000 per employer 7. Ensured Mortgage Protection Program -50 billion provided -payment deferrals -special payment arrangements 8. Bank Supports -auto loans - deferral of payments possible -contact bank directly -speak to your institutions 9. Personal Income Tax -payment before September. 1st/2020 - extended deadline for income tax payments owed -Filing deadline for Income Tax - June.1st/2020 10. Emergency Care Benefit -Quarantined or caring for sick family member or parents with children who require care or supervision due to school closures -Providing $900 bi weekly -Payment via direct deposit -Will not require medical documentation -Starting early April 11. Emergency support fund - $5 Billion -For Canadians who lose their jobs or face reduced hours as a result of COVIDs impact -more info to come *Supply chains from groceries will maintain fair prices for Canadians PLEASE SEE WEBSITE ON HOW TO APPLY FOR PROGRAMS: https://www.canada.ca//depart/economic-response-plan.html Cheers,

In light of the recent announcements from Health Canada and other Government agencies, we will be limiting public access to our offices for the foreseeable future. That being said, we view access to your insurance advisor as an essential service and need to ensure that our staff remain healthy and available during this crisis to provide uninterrupted customer care to our clients. We are equipped and technically capable to conduct business on an ongoing basis through various p...latforms. We would ask that you please contact us by email or phone to discuss your insurance needs and receive further direction if personal assistance is required. We would only ask that you be patient as we may experience a higher than normal call volume during this time. Phone: 519-360-2511 or Phone: 1-855-552-7467 Email: [email protected]

Consult an Insurance Broker for your insurance needs. Our staff is here to help. 519-360-2511 In Canada, you can purchase insurance ... a) directly from an insurance company; b) from an agent who represents only one insurer and can only offer that companys products; c) on the Internet; through a group company or association purchase or d) through an Insurance Broker who can offer a choice of coverage from various insurance companies. Insurance Brokers do not work for an insurance company, they work for you. Thats the key thing that separates them from all other purchase options. It means you have more advice, more choice, better pricing and a representative thats on your side in the event of a claim.

No-Fault Insurance Having no-fault insurance doesnt mean you cant be found at fault. This coverage means you must first deal with your own insurance company for all claims, whether youre at fault or not. But, Ontario will allow a no-fault driver to sue an at-fault driver for additional damages and costs that are not covered by their accident benefits. Accident Benefits... Covers your medical benefits if youre injured in a crash, whether youre at fault or not. The coverage includes your medical costs, while also paying for additional recovery costs, such as rehab, income replacement, and payment for and attendant care, if needed

A quick read article trying to explain rate increases. Some highlights: Auto insurance rates in Ontario are increasing by as much as 11 per cent this year, despite promises from the Ford government to reduce premiums.... Ontario has the second highest average cost of auto insurance ringing in at $1,505. As an Insurance Broker, we shop around the market for the best rates available tailored to you specifically. We insure you for what you need. Give us a call for a no obligation quote. 519-360-2511

Instead of gift exchange for each other in our office we decided to buy gifts and donate to the Salvation Army. CKPS is accepting toys till November 30th. Happy Holidays All. https://ckpolice.com/ckps-salvation-army-toy-drive/

I am so proud of this team. We are very happy to be recognized for all of our hard work and dedication. Give us a call to see what we can do for you.

Get ready for Santa

Halloween is an exciting day for children, but with the distraction of costumes and candy the safety rules can be forgotten. Please talk to your children about safety practices today and before heading out. Drivers please be safe this Halloween and watch out for all the children, they are excited and may move in unpredictable ways.

ARE YOU PROTECTED? Protect your property while home or away! See TIPS provided by The Chatham Voice Give Tara Fancy a call 519-360-2511 to discuss your home insurance coverage and let her help you to make sure you have proper coverage. Remember to bundle your home & auto together for even more savings. ... My Home & Auto Combined Discount See more

Dont forget the Kiddos All-Risks Insurance Brokers Limited just loaded a bag of items for the Fill The Gap Event hosted by the Business Social Network. Background:... All the items donated are delivered to the 2 local hospitals in Chatham-Kent and distributed as needed to overnight guests. We focused on kids this time. Sometimes a colouring book and pack of crayons with a new toothbrush and toothpaste can be the right medicine to alleviate a childs fear and stress when staying in a hospital instead of in their own bed at home.

What To Do If A Tree Damages Your Property A tree falling onto your property is no fun. In fact, it can sometimes be downright scary. We understand. Thats why weve put together a helpful list of tips for dealing with a fallen tree. Make Safety Your First Priority... * If someone is injured, contact emergency services. *If there are any damaged power lines or electrical hazards, contact the local power company as soon as possible. * If you smell gas, evacuate your home immediately. Once youre a safe distance from your home, contact your local gas company to inspect for a possible leak. Once Youre Safe... *Contact us to begin your claim when its safe to do so. *Get a trusted contractor to check your home for damages, inspect for safety and identify potential repairs. We recommend this is done when there is no obvious major damage to the dwelling or other property structures. *Remove any remaining portions of the damaged tree and cut down any trees (or portions of trees) that are unsafe. You or the service you hire to remove the tree may be required to have a permit, so its best to ensure thats in order before getting started. *Protect yourself and the people around you by securing or removing any property that is loose. *Protect your home and the valuables within from bad weather by putting a tarp or cover over broken windows or other exposed parts of the home. *Secure any broken fencing caused on your property to limit your vulnerability to intruders. *For peace of mind, we recommend taking pictures of the damaged area (only if its safe to do so), so you have visual aids handy if you need them as part of your insurance claim. How To Prevent Future Issues Having a tree topple onto your property may seem like a random event, but here are some things you can do to reduce the risk of this happening to you: *Take care of your trees. For big jobs, consider hiring an arborist to help with any challenging upkeep. *Look out for warning signs. Little things like a leaning trunk, cracks at the base of the tree or broken limbs resting on healthy limbs could signal future danger. *Get advice from an arborist on the health of a potentially dying or dangerous tree. *Talk to the neighbours if youre concerned about the state of their trees. If the neighbour refuses to address the issue, send follow-up communication in writing and keep copies if they need to be referenced later.

Know The Reason for Car Insurance Rate Increases? There are many factors to consider. Even if youre a model customer with no claims, other reasons beyond your control could be pushing your premium up.... 1 Fraudulent claims are increasingly common. Fraudsters who stage accidents to make money are causing rates to increase across the country. In Ontario, the Insurance Bureau of Canada reports that fraud costs an estimated $1.6 billion per year ($236 per driver). 2 Distracted driving is on the rise. Distracted driving now outpaces drunk driving as a leading cause of accidents and deaths on the roads. Premiums are increasing to offset the costs of these claims. 3 Trends might show your area as a higher risk for collisions, theft, or other incidents. Your premiums could increase if analytics show your area has become more prone to risks (like extra traffic congestion or extreme weather events that lead to collisions, for example). 4 Medical services are more expensive. Its not just physical repairs that can cause premiums to rise. Accident victims usually need medical services like physiotherapy to recover, which cost more every year. 5 Autonomous features mean safety, not always savings. Newer vehicles now offer a wide range of autonomous capabilities like adaptive cruise control and park assist to keep you and your passengers safe. The flip side? They also use complex computers and sensors that cost more to repair. 6 Windshields now have built-in technology. New advanced driver assistance systems make windshields more expensive to replace. Recalibrating a cars computer system following a windshield replacement also adds to labour costs. 7 Front and rear bumper sensors are pricey. Even a tiny fender bender can require a bumper replacement, and many repairs require the cars computer system to be recalibrated for the sensors to work. Those extra labour costs can really add up.

Will A Ticket Change My Insurance Premium? Getting served with a ticket doesnt necessarily guarantee your premium will change. For example, parking tickets are not going to count against your driving record or your insurance. Speeding tickets and traffic violations are another matter. These types of tickets will have a direct effect on your insurance premium. Thats because insurers look at driving records to determine how much of a risk you pose. If you have convictions rel...ated to your driving, thats going to increase your insurance premium. Ask your Insurance Broker how much $$$ one ticket can increase your premiums by. Also is there a way to protect your rates from increasing in case of one minor conviction? Short answer "Yes" ask your Insurance Broker how? Be safe and follow the rules of the road.

Hi Facebook friends and clients. We are trying to get our Google presence a little stronger. We would appreciate if you went online (like you are right now) and simply click the link below, rate us and tell us what you like about us. We would truly appreciate some positive feedback. Together we are Stronger. Thank you.... https://bit.ly/2PGXqyj

5 Scenarios on Windstorm Damage Coverage on Home and Auto Insurance Is windstorm damage covered on a standard homeowners policy? The quick answer is: Yes. Windstorm is a covered peril on a standard homeowners insurance policy. The more interesting question, however, is often: WHOSE homeowners insurance policy covers the loss?...Continue reading