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  • IBC Unveils Tool to Fight Effects of Damaging Flooding | DGI Direct
    insurance industry has created a resource called MRAT short for Municipal Risk Assessment Tool Using the latest information about the infrastructure that s in place in various cities and communities the prevalence of insurance claims that result from environmental catastrophes as well as projections on climate change the tool should be able to provide leaders with an understanding of what structures need reinforcements such as roads buildings bridges and power supplies It should also give an indication of vulnerabilities several years from now MRAT is a true solution that speaks to the Canadian way of solving problems leadership through innovation said Forgeron Insurers and municipalities have a key role to play in preparing their cities for a new era of severe weather and we are pleased to be partnering with these three forward thinking cities in this pilot project Though MRAT may be used in other cities the pilot program is being launched in Hamilton Ont Coquitlam BC and Fredericton NB according to IBC It s little wonder why programs like these are being used to help guard against the possibility of future disasters This past June Alberta was inundated with high water levels due to torrential rains that fell over a four day period With insured losses estimated at over 1 5 billion IBC called it the country s costliest disaster in recorded history While the monetary cost of the floods is huge the emotional toll on Albertans is incalculable Bill Adams vice president of the western and pacific divisions of IBC said in September Insurers and IBC are committed to helping Albertans through the claims process as they clean up and rebuild their lives and communities Mostly confined to Southern Alberta more than 100 000 Albertans had to leave their homes for several days and weeks because of

    Original URL path: http://dgidirect.ca/insurance-related-articles/ibc-unveils-new-tool-fight-effects-damaging-flooding/ (2016-05-01)
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  • Home Tips: How To Avoid Electrical Fires | DGI Direct
    risk of overload and saves energy Another important component of electricity use is using the proper outlets depending on what s being plugged in For example some sources such as decorative lights for the outdoors shouldn t be plugged into standard household receptacles according to the Insurance Bureau of Canada That s because these sources don t have the amperage needed to effectively power the lights without risking a shortage Instead consider installing a separate circuit geared specifically for outdoor lights Consult with an licensed professional electrician to determine how to best go about this Extension cords are for short term use only Something else that can increase the risk of a fire is if extension cords are overused These cords are built for temporary usage In other words they should only be used for rare instances in which energy is required but only for a short period such as cleaning out one s car with a vacuum or some other activity that s not drawn out However some people will use these cords throughout the day such as for window air conditioners This should never be done though as they aren t heavy duty enough to provide an air conditioner with the electricity it needs to operate over a long period If there s no way around using extension cords for an extended amount of time ensure that its for things that don t require much energy such as a small box fan or for window candles Just about everyone at one point or another will blow a fuse The quickest way of fixing this is either resetting the electricity at the circuit breaker or replacing the fuse But a more long lasting solution may be needed if fuses keep being blown Instead of replacing one after the next

    Original URL path: http://dgidirect.ca/insurance-related-articles/electrical-fires-how-to-avoid-them/ (2016-05-01)
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  • Home and Moving Tips To Remember On Moving Day | DGI Direct
    the risk of injury Accordingly it s best to take several breaks throughout especially if it s exceptionally warm outside as failure to do so can lead to dehydration Lift from the knees not the back No matter how a box gets to the moving truck the fact that it gets there may seem like the ultimate goal In other words it doesn t matter how it s moved so long as it gets there in one piece In reality though shoving a box with one s feet or bending over at the waist can grow tiresome and increase the likelihood of suffering a twinged muscle that can be excruciating Thus moving in an ergonomically friendly way is best For example instead of bending at the hips it s far better to bend at the knees grab the box and then lift straight up putting one s weight on their legs rather than their back Using this method provides more strength as well as leverage so that ultra heavy items can be moved with less of a problem Something else to keep in mind when moving is how items that are being moved are put down For instance while some may lift in the proper form their doing so may ultimately be an exercise in futility if once at the moving truck people place the items down in awkward position Instead of turning or craning one s back in one way or the other it s best to turn at the feet not the upper body This helps keep everything in alignment Be cognizant of pain for at least 48 hours after move With the beginning of the moving process complete homeowners or tenants may feel like they successfully got through it if they don t feel any pain However chiropractors say that it often takes a day or two before one can feel the effects of a move with the aches often being felt in the upper and lower back Health experts say that if there s still pain 48 hours after a move it s best to seek out a professional s advice on how best to treat it Of course the moving process isn t fully complete until everything that was loaded on the truck is taken off and put in its new home And as one might expect the same precautions taken before and during the move out of the old home should be applied to moving into the new home But there are other issues to consider when unpacking items in the new abode that aren t physical in nature but rather relate to paperwork When first packing up belongings and books homeowners hopefully devoted some boxes to letters bills and important documents In addition to paying off whatever obligations that need to be addressed homeowners should also be sure to update their Canada home insurance shortly after they arrive at their new residence A homeowner s insurer will need to know about the move

    Original URL path: http://dgidirect.ca/insurance-related-articles/tips-to-remember-this-moving-day/ (2016-05-01)
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  • IBC: Auto Insurance Costs Not Linked to Rate Cut | DGI Direct
    said The government has proposed investing in various strategies this year designed to lower rates over the long term How to cut auto insurance costs There are numerous ways in which policyholders can decrease their rates simply by adjusting the policy they currently have in place For example some people may be paying for the same amount of coverage for years but have changed their driving habits such as those who retired or take public transportation It may take a few minutes but policyholders can reduce their cost obligations by informing them of the infrequency with which they presently drive Insurers will be able to determine the veracity of this statement based on the number of miles the vehicle has accrued in a given period which the odometer naturally keeps track of Something else motorists may want to consider is raising their deductible Doing this essentially puts more of the financial costs on to the consumer In other words if a policyholder raises their deductible from 300 to 500 they will pay 500 of whatever it costs to fix or purchase a vehicle before the policy picks up the difference Increasing the deductible can wind up saving consumers hundreds of dollars over the life of a policy While auto insurance is a coverage that s required in all 10 of Canada s provinces there are some differences among the individual provinces with regards to specific minimums Furthermore the benefits that policyholders receive in one province may be different from the ones that they receive in another after an accident However there are those that coincide such as with Alberta and Quebec as well as Saskatchewan and Manitoba according to the IBC Competition is what enables motorists to take advantage of affordable Canadian insurance quotes For instance in Alberta there are

    Original URL path: http://dgidirect.ca/insurance-related-articles/ibc-auto-insurance-coverage-costs-not-linked-to-anticipated-rate-cut/ (2016-05-01)
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  • How to effectively manage the most wonderful, stressful time of year - DGI Direct
    minutes fast But this shouldn t come at the expense of driving recklessly It s important to always maintain the speed limit Instead try to leave a few minutes earlier than normal and plan out a route that has the least amount of traffic By asking friends or neighbors about what paths they take motorists may be able to avoid the holiday rush A 10 minute pre trip vehicle check can save time These kinds of preparations may all be for naught though if the car isn t in good working condition That s why automotive experts say that no road excursion should be performed without first performing pre trip vehicle check Kelly Williams spokesperson for Car Care Canada noted that these checks don t have to take long and may ultimately help families save time Getting the car ready for family travel can take as little as 10 minutes and relieve a world of stress said Williams Rich White executive director of the U S based Car Care Council notes that these automotive checkups can do a world of good even if the people travelling aren t car maintenance experts While no inspection can guarantee a car s performance it s comforting to know proper precautions were taken to ensure a stress free holiday road trip said White Taking the car in for a tune up may be a more comprehensive way of ensuring the car is in good working order but a 10 minute roadtrip checkup should include looking at the fluids like for the windshield wipers transmission and engine as well as the hoses and belts These should show no obvious signs of wear and tear such as if they re ripped or if something leaking from one of the hoses It s also important to examine

    Original URL path: http://dgidirect.ca/auto-insurance-articles/how-to-effectively-manage-the-most-wonderful-stressful-time-of-year/ (2016-05-01)
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  • Used car buying tips as their prices increase in 2013 | DGI Direct
    average during the past five years the report said Because many of these are put up for sale on the used car market prospective buyers could have limited options next year pushing prices even higher Tips to buying a used vehicle Buying a pre owned car is slightly different from purchasing one new since they can come in less than perfect condition There a number of different places where you can buy a used car but common options are directly from an owner or a certified dealership Whichever outlet you use make sure you conduct a thorough inspection beforehand Take a walk around the car and look for dings dents and scratches while these may not impact the performance of the vehicle you may be able to get a price reduction Additionally always make sure to take the car for a test drive if you detect anything unusual such a odd noises or vibrations ask the seller if there are any issues you should be aware of Although most seller will probably be honest take the car to a mechanic who specializes in used car inspection before you agree to buy it A mechanic may be able to spot any issues that don t immediately stand out to the untrained eye Finally order a copy of the vehicle s history This document will reveal past owners and key event the car may have encountered such as flooding fire or major accidents Some of these issues could have long lasting impacts on the car s performance Sections Auto Insurance Home Insurance Pet Insurance Online Quote Auto Property Postal Code Go Or call 1 877 699 9923 Categories Ajusto Auto Insurance Auto Insurance Articles Car Tips General Tips Home Insurance Articles Home Tips Insurance News Insurance Related Articles Pet Insurance Pet Tips

    Original URL path: http://dgidirect.ca/auto-insurance-articles/used-car-buying-tips-as-their-prices-increase-in-2013/ (2016-05-01)
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  • Is Pet Insurance Worth It? - DGI Direct
    worth the cost that doesn t make it easier on the wallet especially if the unexpected occurs and your pet gets seriously injured or ill This is where having pet insurance can be invaluable At Desjardins General Insurance we offer three distinct pet insurance packages Bronze Paw Silver Paw and Gold Paw to give you flexible options based on you and your pet s needs All three of our packages include coverage for dental care optional for Bronze as well as veterinary diagnostics and treatment resulting from accident or illness Additional coverage for alternative and behavioural therapy as well as preventive care coverage is available for Silver Gold Paw policyholders It s recommended that you review all of our pet insurance packages to see which one works best for you and the breed of animal that you have Your veterinarian may also be of assistance in case you aren t aware of any predisposed conditions that some breeds may be known for Whatever level you choose we will reimburse you for 80 co insurance of veterinary fees due to accidents or illness plus an annual deductible also applies Just like a burglary or a car accident we hope we never have to worry about getting our pet life saving medical treatment but it s important to have a plan in place in case we do Pets after all are not just furry companions to many of us they re family members If your pet s health and well being is important to you you will want to provide them with the best care available Pet insurance can make the process of doing so more manageable while also guaranteeing a safety net in case of an emergency To many pet owners this peace of mind is well worth the monthly fee

    Original URL path: http://dgidirect.ca/pet-insurance/pet-insurance-worth/ (2016-05-01)
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  • Travelling with Your Pet - DGI Direct
    to withstand a collision Many pet stores sell specially made pet seat belts harnesses that attach to your vehicle s regular seatbelts and keep your pet safe in the event of a sudden stop or collision Some pets prefer this to a carrier others might find the harness uncomfortable and become agitated Regardless of whether you use a carrier crate caged off area or seat belt the important thing is to keep you and your pet safe You wouldn t allow a child to ride unsecured in a vehicle so neither should you allow your pet Some other tips Keep the vehicle at a comfortable temperature Never leave your pet alone in a parked vehicle for long periods of time Feed your pet no less than four hours before the trip to prevent car sickness Take rest stops every two to four hours for exercise and bathroom breaks Bring a litter box if travelling with a cat Be sure to have copies of any required documents such as proof of vaccinations if crossing the border Travelling by Air Different airlines have different rules when it comes to travelling with your pet It is advisable to check beforehand and to contact the airline well in advance to let them know you will be travelling with a pet Be sure to ask whether you need to do anything before arriving at the airport e g obtain a health certificate Keep in mind that while small pets can often be taken with you as part of your carry on luggage larger pets will likely have travel in the airplane s cargo hold Some other tips Bring your pet to the vet before travelling to update all vaccinations and obtain any required legal documents Check with the airline before purchasing a carrier to make sure it abides by their requirements Allow a fasting period of four to six hours before take off to prevent motion sickness If your pet is travelling in the cargo hold and you re concerned about her well being ask the flight crew if they can check on her periodically during the flight After You ve Arrived Many hotels and lodgings allow pets but not all Ask about the pet policy at the place you will be staying when booking For example they might not allow pets of a certain type or size Be mindful of other guests during your stay Keep your pet quiet don t allow him up on the furniture and immediately clean up and dispose of any mess in accordance with their policy It s a good idea to take your dog on a walk after arriving He will likely be itching to stretch his legs and experience the sights and sounds of his new surroundings General Travel Tips Regardless of how or where you are travelling make sure to pack adequate supplies including food water toys leash medications kitty litter grooming supplies and any required documents Double check your pet s collar and ID which

    Original URL path: http://dgidirect.ca/pet-tips/travelling-pet/ (2016-05-01)
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