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Serving Canadians Since 1982

Auto Theft Prevention

According to Statistics Canada, a car is stolen every three and a half minutes in Canada. Automobile theft costs Canadians close to $1 billion every year including the costs for insurance companies, police services, health-care, court-system and correctional services. In addition, approximately 40 people die and 65 are injured as a direct result of auto theft.

Here are a few simple tips:

  • Always lock your vehicle and roll up your windows and sun roof.
  • Never leave your keys as well as your garage opener in an unattended vehicle.
  • Never leave valuables in your vehicle; if you must keep them in your vehicle, store them in trunk.
  • Keep your registration certificate and proof of insurance in your wallet - do not leave them in the glove box.
  • Whenever possible, park your vehicle in your garage.
  • Install an IBC-approved engine immobilizer, or other security devices, e.g., alarms, steering wheel locks, tracking systems.

The Insurance Bureau of Canada (IBC) offers more information about auto theft and ways to prevent it.

(Source: The Insurance Bureau of Canada)

Earthquake Preparations

Are you living in a community on the British Columbia coastline, or the Northwest Territories/Yukon/Nunavut?

If you are, your risk is higher from a major earthquake.

According to the resources of the Public Safety and Emergency Preparedness Canada, "approximately 5,000 mostly small earthquakes are recorded in Canada each year. In the past 100 years, at least nine earthquakes in or near Canada have registered a magnitude greater than 7. A few have caused extensive damage. Even a magnitude 6 earthquake could do extensive damage in a built-up area. In fact, a strong quake near one of Canada's major urban areas would likely be the most destructive natural disaster this country could experience."

Get prepared.

Please click the following links to learn more about earthquake facts and preparations:

Does your insurance policy cover an earthquake?

Our basic insurance policy does not include earthquake coverage, however, this optional coverage can be added to your policy at extra cost. Please contact your local independent broker to find out more detailed information.

(Sources: Public Safety and Emergency Preparedness Canada, Natural Resources Canada, Insurance Bureau of Canada)

Fire Prevention Safety Tips

According to recent statistics, on average, home fires account for 30% of all fires and 73% of all fire deaths causing millions of dollars in property damage in Canada.

Insurance Bureau of Canada (IBC) offers some safety tips for you and your family to pre-plan and maintain a fire safe environment:

  • Check and maintain your smoke detectors. Replace batteries at least once a year around Daylight Savings Time.
  • Establish a fire evacuation plan. Practise your fire escape plan with all your family members.
  • In the event of house fire don’t waste a second, leave your house and call the fire department.
  • In the event of an apartment fire never use an elevator and always feel your door before exiting, if it is hot do not open it.
  • Be careful with electricity. Spot devices that are dangerous or in poor condition: flickering lamps, bare wires, open circuit breakers etc.
  • Give space heaters space. Leave at least one meter (three feet) between combustible materials and space heaters.

Please learn more fire prevention tips and information from the Insurance Bureau of Canada (IBC).

(Source: The Insurance Bureau of Canada)

Maintenance tips to protect your home this winter

Here are a few tips, offered by Canada Mortgage and Housing Corporation (CHMC), for Canadians to protect their home over the winter season:

  • Clean or replace furnace air filters every month during the heating season.
  • Leave the heat on if you go on vacation.  Ask a friend to check your home while you are away.  If away for extended periods consider fire and low temperature detection off site.
  • Check batteries in fire and smoke detectors and clean all detectors using your vacuum, as dust or spider webs can prevent them from functioning.
  • If you have a plumbing fixture that is not used frequently, such as a laundry tub or spare bathroom sink, run water through it occasionally to keep water in the trap.
  • Locate your water main in case you need to shut it off in an emergency
  • Test plumbing shut-off valves to ensure they are working and to prevent them from seizing.
  • Examine attic for frost accumulation.  Check roof for ice dams or icicles.
  • Examine windows and doors for ice accumulation or cold air leaks.
  • Check electrical cords, plugs and outlets for all indoor and outdoor seasonal lights to ensure fire safety; if worn, or if plugs or cords feel warm to the touch, replace immediately.
  • Keep your sidewalk and the front stairs of your house clear of snow and ice to prevent falls and injuries.
  • Keep snow clear of gas meters, gas appliance vents, exhaust vents and basement windows.
  • Drain your garden hose.
  • Water frozen in pipes can cause your pipes to break at their weakest point.  To prevent freezing, fit exposed pipes with insulation sleeves or wrapping.

Visit the Canada Mortgage and Housing Corporation website for more information About Your House Fact Sheets.

(Source: Canada Mortgage and Housing Corporation)