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  • RV Insurance & Travel Tips
    handy and bring a GPS An RV friendly GPS will have settings for RV or regular automobile so it can map your route according to your restrictions and needs entrances and exits potential hazards etc Ensure your RV is stocked with a first aid kit extra sunscreen emergency water and food blankets a basic toolkit and cleaning supplies Don t bring more supplies than you and your travel companions need an overloaded rig can restrict braking and steering and increase your fuel consumption Prevent Theft Keeping your home away from home secure goes beyond locking the doors and windows Consider installing a deadbolt lock or high quality padlock for increased security Many older RV s come with a standardized lock that may allow your RV to be accessed with another s key which is a major security hazard You can also equip the exterior with motion sensitive lights to alert you when someone comes near Don t leave expensive items inside your RV especially in view of passersby and keep blinds drawn when you re not inside Drive Safe Trailers require extra stopping room and forethought when it comes to changing lanes making turns and backing up If you haven t driven with a trailer hitched onto your car before practice driving around your neighborhood so you can get comfortable behind the wheel before your trip Always use turn signals well in advance and allow sufficient distance so motorists around you can anticipate your moves Make slow deliberate movements and always drive well rested and alert No matter what vehicle you re driving the most important safety feature is the driver Park in Safe Areas Avoid parking in unsheltered areas and low areas that are prone to flash flooding Be mindful of trees and power lines that could fall on

    Original URL path: http://dgidirect.ca/car-tips/make-rv-rv-insurance-travel-tips/ (2016-05-01)
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  • Do You Need Extra Coverage for Your Rental Car? - DGI Direct
    re relying on your credit card policy to provide your insurance make sure you know if there are any gaps in your coverage Understand your at the counter options Generally rental companies will offer a loss damage waiver or collision damage waiver liability insurance personal accident insurance and personal effects coverage While some travellers often make it a personal rule to say no to all of the above declining insurance on your rental when you re less than fully covered by a credit card or personal policy could end up costing more in the long term In the event of an accident in a rental car without any coverage a driver will be lucky to walk away with just a scratched bumper Don t risk being liable for the costs of damage to a vehicle not owned by you Our Trouble Free Option saves you the time of sifting through fine print at the rental counter and ensures that you can count on the reliable auto coverage DGI offers be it at home or on a trip in your own vehicle or a rental Protect yourself when travelling out of the country If you re planning to rent a car during a holiday excursion abroad it s even more important to know the details of your current coverage Does your auto insurance or credit card policy extend to vehicles rented outside the continent Avoid the hassle of having to sort out your coverage overseas and find out before you leave Avoid hidden fees Aside from insurance many rental car companies offer additional services that could add up on your bill There may be a fuel service option which charges you for gas a charge for an extra driver or even a fee for exceeding a daily limit of kilometers driven

    Original URL path: http://dgidirect.ca/auto-insurance-articles/rental-car-insurance/ (2016-05-01)
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  • 5 Tips for Driving on Black Ice - DGI Direct
    travel at peak hazard times and take extra precaution when driving at night when visibility is low 3 Prepare your vehicle Equipping your vehicle with four winter tires increases your breaking distance up to 25 an investment that buys you time to be more alert on the road By preventing snow build up and maintaining traction on icy roads winter tires could mean the difference between a safe trip and a collision Winter tires won t just keep you safe they ll also save you money At DGI Direct we reward drivers who equip their vehicles with four winter tires with a 5 savings on their auto insurance Keep your vehicle winter ready with regular maintenance check ups and remember to check the air pressure of your tires frequently 4 Don t underestimate the advantage of driving slow Driving at reduced speeds is the best precautionary measure against slippage Knowing how your car responds to various weather conditions is important Practice slow speed maneuvers in ice covered parking lots before taking a big trip and if you happen to be driving a new vehicle take a look through your owner s manual to familiarize yourself with your vehicle s braking system and other features When driving focus your attention on the road up ahead keeping at least 8 10 seconds of space between your front bumper and the car in front of you about two car lengths 5 Be confident Confident driving means operating your vehicle with conviction Execute smooth precise movements of the steering wheel and gas and brake pedals and in the event that you hit a patch of black ice resist the knee jerk reaction to slam on the breaks As soon as your car begins to slide on black ice take your foot off the gas

    Original URL path: http://dgidirect.ca/car-tips/tips-driving-on-black-ice/ (2016-05-01)
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  • Car Battery Tips and Troubleshooting Guide | DGI Direct
    black on the negatives It s important to keep the contacts separate though especially if one set is already attached to the battery that s alive By clicking them together it can produce a spark which may result in injury Once all the contacts are on the appropriate terminals turn the key for the car with the dead battery Once the booster cables have been removed it s a good idea to keep the car running for 20 to 45 minutes so that battery gains enough of a charge Try turning off air conditioner DVD player However there are other cases where a battery malfunctions and the source of the problem is much smaller Lai noted how a car s various systems are all able to run thanks to the battery Turning off some of them enables the battery to devote its energy to starting the car Thus if engine won t start try turning off the air conditioner heat or other electrical accessories such as the CD or DVD player This will channel all the available power to the car starting Another fairly simple solution is taking a peek under the hood to look at the battery itself A lot of air and debris finds its way into the engine And a lot of it collects on the battery terminals in the form of a white powdery substance that looks like corrosion Remove the cables from the battery and clean the surfaces This can be done with a sharp instrument such as a small jackknife Once it s clean replace the cables and try to turn the engine over Automotive experts and professional mechanics may be able to diagnose the source of a car problem fairly quickly For those who aren t as familiar with how a car runs

    Original URL path: http://dgidirect.ca/car-tips/car-wont-start-tips-on-what-the-problem-may-be/ (2016-05-01)
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  • Survey Reveals How Canadians Intend to Spend Holidays | DGI Direct
    they prefer to get there feeling as comfortable as possible This may explain why the vast majority of vacationers 88 percent said that they determine what clothes they re going to wear based on how they feel In fact 10 percent said that they typically wear only a bathing suit according to the Transat Travel poll Still 3 percent of respondents said they dress to impress wearing business casual or something slightly more formal Typically there are only two ways in which motorists travel by air or by car If they intend to get to their destination on the road there are some preparations that they should make sure to take care of before piling in their vehicle bound for their holiday destination One of the most important aspects is to take the car in for a tune up By having a car serviced by a professional mechanic they should be able to determine any issues that require fixing or improvement such as if the oil needs to be changed the brake pads require replacement and if one or all of the various liquids need to be refilled such as coolant power steering fluid or for the windshield wipers While these preparations should help travelers avoid experiencing a break down they can still happen That s why it s important to ensure that the car is equipped with an emergency kit These should ideally have some non perishable food and water first aid kit over the counter medicines as well as prescriptions that some family members may need Motorists should also look at their auto insurance coverage to see if they have roadside assistance and if this plan extends to other parts of North America Another good reason to have one s coverage policy handy is if vacationers plan on

    Original URL path: http://dgidirect.ca/auto-insurance-articles/new-survey-reveals-canadians-intend-holiday-vacations/ (2016-05-01)
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  • Prior to R.I.D.E., Ontario Provincial Police say Thanks | DGI Direct
    a way of life Ontario among the lowest in drunk driving incident rates Despite the vast majority of drivers who have never had to file a Canada auto insurance claim after being involved in an accident resulting from impaired motor vehicle operation Larry Beechey provincial commander of traffic safety and operational support noted that nearly 90 300 people were involved in these crashes in 2011 the latest year for which data is available While some of these occurred in Ontario the province was among the lowest in impaired driving incident rates two years ago We attribute this to a combination of targeted police enforcement and education efforts by all safety partners combined with the motoring public s generally favorable compliance with impaired driving laws their awareness of the risks and their willingness to be a part of the solution said Beechey In the past two years OPP officers issued traffic citations to nearly 1 400 motorists for having a blood alcohol level over the legal limit Additionally just over 1 200 motorists were handed warnings for having a blood alcohol concentration between 0 05 and 0 08 This results in immediate license suspension preventing them from being able to drive for at least three days in a row It s campaigns and strict enforcement policies like R I D E may explain why the OPP was recently given several traffic safety awards by the International Association of Chiefs of Police As part of the National Law Enforcement Challenge the OPP got top honors in the International Agencies classification Speed Awareness and the Clayton J Hall Award This last honorific is given to the law enforcement agency that is deemed to have the most comprehensive traffic safety program I am extremely proud to be part of a policing organization that has

    Original URL path: http://dgidirect.ca/auto-insurance-articles/prior-r-d-e-roll-opp-says-thanks/ (2016-05-01)
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  • Ontario Tests Latest Deer-Detecting Program | DGI Direct
    this latest deer tracking system will prove to be successful as there have been several previous efforts at detecting wildlife that didn t pan out For example in 2009 an infrared based device was promising but there was no way for the system to track these animals once they were spotted and the warning lights only blinked for a half minute The New York Times noted that this latest deer tracking program replaces infrared technology with perimeter radars that track and follow many different types of movement but is able to decipher between pedestrians and animals based on their disparity in speeds The only movement that they can t detect are small animals such as squirrels skunks or other rodent like creatures Should the tracking devices lead to fewer deer strikes more provinces and communities might consider adopting them They cost nearly 290 000 but Rotalec a Montreal based engineering company that manufactures the technology indicated that the price will likely fall dramatically with increased production deriving from high demand According to statistics compiled by the MTO a motorist gets into an accident with a wild animal every 38 minutes In fact one out of every 17 crashes which tend to result in an insurance claim is with wildlife be it in the small or large form One of the peak years for these types of accidents was in 2007 There were nearly 14 000 reported collisions involving wildlife six years ago which doesn t take into account the accidents that weren t reported to officials There are two times of year when wildlife crashes are the most likely to occur according to MTO May through June and October through December November on average sees the highest crash frequency on a monthly basis Among the strategies the Province of Ontario

    Original URL path: http://dgidirect.ca/auto-insurance-articles/ontario-tests-latest-deer-detecting-program/ (2016-05-01)
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  • Auto Insurance Fraud Prevention Made Easier With PATNET | DGI Direct
    industry and law enforcement from overcoming The sharing of information has never been better in my 36 years investigating stolen vehicles said Ouellette NB PATNET works and will serve as the model for other jurisdictions According to IBC PATNET is expected to be used in Prince Edward Island in the immediate future and is anticipated to go countrywide shortly there after Consumers perceptions about insurance fraud The IBC recently released a report surveying approximately 1 000 residents in Ontario asking them about auto insurance coverage and whether they think fraud is a serious problem At 83 percent the vast majority of Ontarians indicated that they think the illegal activity occurs frequently while 14 percent indicated that they thought it was rare Not only do many think it s a pervasive problem but almost all of those who think it s rampant believe it is also linked to the cost of car insurance in Ontario The poll which was conducted by Pollara found that 96 percent of participants linked fraud with premiums being higher for drivers than they would if the crime didn t happen as regularly As for why Ontarians think fraud is as prevalent as it is most say that it s likely linked to a sense of entitlement The survey found that because claimants believe they have been paying for coverage for such a long time and at a high rate the insurance industry owes them a substantial sum The poll also found that consumers for the most part believe that the insurance industry is doing what it can to combat insurance fraud Nearly 80 percent of respondents said that they believed carriers were taking precautions evidenced by theft prevention strategies like PATNET and arrest data However they also believe that more could be done Approximately six in

    Original URL path: http://dgidirect.ca/auto-insurance-articles/auto-insurance-fraud-prevention-easier-patnet-2/ (2016-05-01)
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