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  • How to stop safely - DGI Direct
    times on the road ensure that the vehicle is at least one car length behind the closest car This should be increased to two car lengths when actually in motion Law advises Lightly test brakes when it s icy Another issue that drivers fail to take into consideration is the condition of the roads During the winter what normally takes a shorter space to stop takes longer when the roadway is glazed with snow ice or freezing rain If the road is slick Law recommends gently touching the brake pedal to see if there is any skidding If the surface is slippery move over to the right of the lane so that there s more traction Thanks to brake improvements and overall safety enhancements cars today are able to stop relatively quickly when the brake is fully applied However this kind of assurance should not be relied upon Law notes that people who rush up to red lights and then apply the brakes at the last second if necessary can wind up doing a number on their brake pads causing them to weaken the more often this is done Slowing gradually also allows the drivers of the cross street traffic to know your vehicle will stop Law writes Rushing up to a stop sign can fool cross traffic drivers into thinking that vehicle will run the stop sign Unfortunately Canadian motorists have witnessed a high rate of red light runners British Columbia newspaper The Province reported earlier this year that some parts of Western Canada saw these types of violations jump 506 percent between 2010 to 2011 No matter where they happen though the consequences can be significant Red light runners who are fortunate enough not to injure someone or themselves can face a fine of as much as 325

    Original URL path: http://dgidirect.ca/car-tips/how-to-stop-safely/ (2016-05-01)
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  • IBC releases 2012 list of Canada's most stolen vehicles - DGI Direct
    to places like West Africa the Middle East and Eastern Europe where there is a lucrative market for big rugged vehicles He added however that unlike in previous years certain provinces have been the recipients of these stolen vehicles Police officials in Western Canada specifically in Alberta have found that many of the thieves that pull off these car heists are able to alter the vehicle identification numbers Once this is done they are then sold to people who frequently have no idea that they were obtained through unscrupulous means Keep windows closed lock all doors While most auto insurance plans have features that enable policyholders to be compensated to replace a vehicle should it be stolen the process can be quite time consuming and inconvenient Thus motorists can diminish their risk for being victimized by theft through some common sense approaches For example even if it s an especially warm night always close all the windows on car doors Individuals who are intent on breaking into a vehicle may be able to reach their arm through the window opening and reach the lock or door handle Something else drivers should do if they re going out for an evening is park their car in a place where a lot of people are around Plenty of light and a high pedestrian presence helps diminish the risk of theft as criminals risk being caught Though it may seem obvious IBC and other crime prevention professionals say that individuals should also refrain from leaving their keys in their ignitions Occasionally when making a stop at a corner store motorists may park their car and leave their vehicle running seeing as how their stop will be a quick one Dubin notes that Canadians would be surprised to learn how many people whose vehicles

    Original URL path: http://dgidirect.ca/car-tips/ibc-releases-2012-list-of-canadas-most-stolen-vehicles/ (2016-05-01)
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  • Hurricane Sandy makes Yahoo! Canada's 'Top 10 Searches in 2012' list - DGI Direct
    did in Canada However they may be surprised to learn the type of damage left in the storm s wake According to the Insurance Bureau of Canada Hurricane Sandy left approximately 100 million worth of property damage primarily to Ontario and Quebec The storm which was felt over the course of two days in Canada between October 29 and 31 not only caused significant damage but even led to fatalities Two people died one of whom was struck by a street sign in a Toronto shopping center and more than 150 000 lost their electricity Unlike in the U S however where homeowners were without power for several days power was restored to more than half of those who had lost it within 24 hours according to Reuters At the height of the storm forecasters say wind gusts reached in excess of 100 km h ripping shingles off of roofs downing trees and branches as well as flooding places of business and homes throughout parts of Atlantic Canada Ralph Palumbo vice president of IBC s Ontario division noted shortly after the estimate was made that the numbers are preliminary meaning that depending on future property insurance claims the damage total may rise even further Perhaps the most surprising thing about Sandy was how strong it was evidenced by the fact that the center of the storm was never near Canada However throughout the storm forecasters stressed that the storm was one of a kind in intensity with hurricane force winds extending hundreds of miles out from the eye In the aftermath insurance agents have encouraged Canadians to take stock of their property and auto insurance plans making sure that they re up to date and have sufficient coverage Policyholders have also been advised to perform a home inventory taking into

    Original URL path: http://dgidirect.ca/home-insurance-articles/hurricane-sandy-makes-yahoo-canadas-top-10-searches-in-2012-list/ (2016-05-01)
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  • Drunk Driving Statistics shows drop in recent years | DGI Direct
    monitoring will be necessary in order to adequately estimate just how many people have taken these considerations into their decision making Marcoux notes that this year s analysis largely supports a survey that was done last year at this time asking respondents how much of an impact alcohol had on driving capability More than eight in 10 young drivers said hard drinks significantly contributed to a person s ability to drive safely Slight increase in BAC level can bring exponential rise in accident potential Studies have demonstrated that Canadians concerns are merited TIRF notes that when people have a BAC level of 0 04 percent crash risk is increased considerably After 0 08 percent the legal limit both in Canada and the U S accident risk can double Much of this depends on the person and how quickly alcohol is eliminated from the digestive system Though increased awareness and an active effort by Canadians to not drink and drive may help diminish the threat of serious accidents and highway fatalities government officials aren t taking any chances Recently Manitoba lawmakers passed a bill that requires first time impaired drivers to affix their vehicles with an alcohol ignition interlock Prior to the amended rule only repeat offenders were mandated to install these devices on their vehicles The news was applauded by Andrew Murie CEO of the Canada chapter of Mothers Against Drunk Driving MADD Canada welcomes this announcement by the Government of Manitoba and commends them for their leadership and efforts to make the province s roads safer said Murie Interlocks help people change their behaviour and thus prevent them from becoming repeat offenders That is why it s such an important tool to use with first time offenders After violators are returned their licenses after being suspended drivers have to

    Original URL path: http://dgidirect.ca/auto-insurance-articles/drunk-driving-statistics-shows-drop-in-recent-years/ (2016-05-01)
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  • Apartment vacancies rising due to rental supply | DGI DIrect
    These jobs will come in handy as due to the positive homebuying climate in Canada many young Canadians are forgoing apartment living and opting instead to buy a house However there still are quite a few people who think it s best to insure an apartment first then move on to homeownership Apartment vacancies climb slightly In Ontario as well as in Canada s other nine provinces there are a high number of student renters looking for spaces to rent According to a recent report from the Canada Mortgage and Housing Corporation some room has opened up for them The average rental apartment vacancy rate in Canada s largest metropolitan regions jumped to 2 6 percent in October when compared to year ago levels At that time the vacancy rate was 2 2 percent Lower levels of household formation among young adults reduced rental housing demand said Mathieu Laberge deputy chief economist of CMHC s market analysis center This combined with an increase in the supply of newly constructed purpose built rental apartments pushed Canada s vacancy rate upward He added however that demand for rental condominium apartments is robust according to October data with many people including students looking to rent in the cities of Vancouver Montreal and Ontario s largest city of Toronto While going to school may give Canadians the ability to finance a home purchase or the means with which to rent an apartment it s not unusual for first time renters to forget that their investment in a property can result in a loss if their not sufficiently prepared According to survey data many renters don t purchase renters insurance even though it s relatively cheap Tenants may be under the impression that the owner of the apartment has coverage While landlords may have insurance

    Original URL path: http://dgidirect.ca/home-insurance-articles/apartment-vacancies-rising-due-to-rental-supply/ (2016-05-01)
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  • Auto Theft Prevention Campaign launched in Ontario | DGI Direct
    try to access the lock Something else that motorists should do is lock their car This too may seem straightforward and obvious but authorities say that the cars that are usually stolen or rifled through had at least one door that was left unlocked One in every five cars stolen had keys inside Perhaps the easiest thing to do is to ensure that the keys aren t still in the ignition The Insurance Bureau of Canada says that motorists all too often fail to take their keys with them as approximately 20 percent of the cars stolen had the keys inside Getting into the habit of actually looking at the set of keys while in hand and stepping out of the vehicle should help people avoid this problem It s also important not to leave merchandise in view This can be done by placing smaller items under one of the car seats or sticking it in the trunk If it s too big or can t be hidden effectively it may be wise to bring the item straight home then returning to shop more if need be Once someone gains entry into a car they may try to start it even if they don t have a key However the chances of them being able to do so are limited with an engine immobilizer These can be purchased at a variety of stores throughout the country Canadians should look for a symbol on the packaging that notes its IBC approved Every December IBC publishes data on what the most stolen vehicles were in that year While the 2012 list has yet to be released the 2009 Toyota Venza was the most stolen car in Canada in 2011 In fact the top three cars stolen were all Hondas specifically the 2000

    Original URL path: http://dgidirect.ca/auto-insurance-articles/auto-theft-prevention-campaign-launched-in-ontario/ (2016-05-01)
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  • Fireplace as home heating alternative to natural gas | DGI Direct
    to go come the following winter Once the chimney and flue area has been cleaned of creosote and debris it s safe to start the fire Depending on how cold it is outside some homeowners who have a fireplace may not put anything in front of the fire so that it heats up the house more quickly This is not recommended though as even though an uncovered fireplace will make a room warm quickly there s a significant fire risk in doing so Always use mesh or metal shield for a fireplace Fire safety experts say a metal or mesh screen should always be placed in front of a burning fireplace This not only prevents sparks from flying out as the wood that s burning can often snap but it also prevents young people who may be in the area from getting too close to where the fire is Something else that homeowners may want to think about installing is a shield that protects the framing of the fireplace A fireplace is often underneath a mantle piece When left to burn without a protective covering it can cause the mantle to grow hot potentially resulting in a possible fire These coverings can be purchased at home improvements stores and usually come with installation instructions Another important tip to keep in mind when using a fireplace is how the fire is started One of the best ways is to simply roll up several pieces of newspaper Once they have been situated in the hearth or inside the stove small pieces of kindling should lie on the top and situated so that there s plenty of air that helps the fire grow Using a long match light some of the balled up newspapers As the fire grows hotter add a few small

    Original URL path: http://dgidirect.ca/home-tips/fireplace-as-home-heating-alternative-to-natural-gas/ (2016-05-01)
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  • Winter driving tips for common mistakes drivers make
    adjustments can be made if motorists skid or veer off course Wheels ca advises Mistake 3 Failing to scan ahead effectively Drivers are cautioned to look several car links ahead when road conditions are fine But when the roads are slippery motorists need to take extra precautions as to what s coming Thus the automotive website recommends that Canadian commuters constantly keep their eyes moving left to right while driving when the roads are slick and to try to peer ahead slightly farther than they would normally Mistake 4 Not driving in a relaxed state The mere mention of slippery roads can induce feelings of panic But driving in a tense agitated way can be just the thing that leads to an accident due to making herky jerky motions that can cause the car to skid and lose its grip with the road Far better to take a deep breath and try to relax as best as possible Wheels ca suggests Mistake 5 Not clearing all the snow off the vehicle If in a rush to get on the road drivers will often clear just enough snow off the car so that they can see out their front and rear windshields This is a bad habit to get into though as other drivers need to be able to see the whole car especially the headlights and brake lights In addition car rooftops that are piled with snow cover can fly off temporarily blinding a driver that s oncoming or that s following The Toronto Star s automotive website says that the entire vehicle should be cleared of snow before getting behind the wheel Mistake 6 Driving with boots on Boots are a necessity when there s piles of snow on the ground They can make for a difficult ride though

    Original URL path: http://dgidirect.ca/auto-insurance-articles/winter-driving-tips-for-common-mistakes-drivers-make/ (2016-05-01)
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