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How to Save Money On Insurance When You Put Your Car in Storage

Winter Storage & Saving Money on Your Car Insurance


When people are not driving their cars, they sometimes think that it is a good idea to cancel their insurance and just buy new insurance when they decide to drive again. What most people don't know is that they don't need to cancel their policy to save money or get money back for the period the car is stored.

When is Storing A Vehicle A Good Plan?

  • If you have a "summer only" car, like a sports car for example.

  • Specialty or Antique Vehicles

  • Going out of the country to travel or work for several months, or for "Snow birds" in the winter months

  • If you prefer not to drive in harsh winter conditions

Don't Cancel Your Policy! Put it on "Hold."

Cancelling a policy is not a good idea when a car is in storage, here’s why

  • It will cost you time and money: You will receive a penalty for cancelling your policy mid-term. You will also create a gap in your car insurance history and make the process much longer when you want to insure your vehicle again.
  • When you cancel an insurance policy but still own the vehicle, you are still liable for the vehicle or any damage that may occur as a result of your ownership of the vehicle. A car does not have to be driven to cause damage!
  • When you cancel a policy, you also cancel the coverage for physical damage to the vehicle. So if someone scrapes your car, does a hit and run, steals your car, etc. You will not be covered if you cancel your policy.


A Winter Storage endorsement is the best alternative to save money and protect your car.

In Quebec, we offer a winter storage endorsement QEF16/QEF17.  In other provinces or places, there may be similar programs - please contact your insurer or broker to find out how you can save money or if there are similar programs available.*

The QEF 16 endorsement can be added at any time, and at the end of a storage period, it is ended based on your request, with a QEF 17.  This endorsement allows for a  reimbursement or reduction of the premium for the timeline where the vehicle will be off the road or not being driven. Depending on the insurance company, some may even issue the credit to you in advance.

The credit will normally be for the period between November 1st and April 1st, however, this varies by insurer, and of course, if you only put your car away from January to March, for example, it can be adjusted to your needs. The important part is always to remember that once you have advised your insurer a vehicle is in storage, your insurance is limited or suspended, and you are not insured to drive it again until you call your insurer to advise it will be going back on the road, and you need the full insurance back.

Most companies have a minimum amount of time a vehicle will be stored to qualify for the endorsement, this time frame is usually over 60 days.*

How does the Winter Storage Endorsement Work?


•    It normally provides minimal coverage in liability. In other words, it takes into account that you will not be driving the vehicle. However, it maintains a portion of the liability coverage in place for situations where you might become liable for damage caused due to your ownership of the vehicle.

•    It maintains comprehensive coverage. This is the coverage that protects you for damages that may occur as a result of fire, theft, vandalism, windshield, for example.

•    Collision coverage may also be adjusted for the duration of the storage. Collision is the portion of automobile insurance that covers your car when you are responsible for an accident that results in damage to your vehicle – since you won't be driving; it stands to reason this coverage can be limited during the storage period.

Please contact your insurance representative to find out how you can save money while protecting your car during a storage period. You may be surprised to find out how much you can save!

 

You may also enjoy learning which insurance companies were awarded top ranks by consumers in J.D. Power survey, check it out!

*Please note that insurance coverage varies from state to state or province to province, the information in this article and on this site is given to serve as information to empower consumers, and as a bouncing board to a discussion with a licensed broker or agent that can review your specific needs and explain various coverage options to you. Every insurance company has their own policy wording, in all cases, the policy wording will take precedence over any blog discussions or examples. Empower yourself with information, so you know the questions to ask, and take charge of your insurance to save money and protect yourself!

Who Pays For Damage When The City Tears Up Your Lawn - Water Service Pipe

Typical PVC municipal water main being install...Typical PVC municipal water main being installed in Ontario, Canada (Photo credit: Wikipedia)

The water service pipe is the pipe that brings the water from the city's water main to your home. The pipe is partially located on city property and although the city may be responsible to make repairs to the pipe for various reasons, when they have to do work on the parts of the pipe that is on your property, they are not necessarily responsible for repairing your property and land they damage in the process. This means that your trees, shrubs, walkways, driveways - basically anything they need to get through to fix this water pipe is at risk of being destroyed. The lawn may be all dug up and landscaping could definitely be affected. The city is not always obligated to pay for these repairs. Home insurance policies do not all automatically cover this kind of damage, however some companies do with a water service pipe endorsement. Usually the cost is under fifty dollars per year, and if you think about the hassle of repairing all your property after the city comes in to do repairs, you just may find this is one coverage that is well worth it.
Water Service Pipe Endorsement Information
Photo From http://mississaugaelectricalcontractor.blogspot.ca

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3 Steps To Protect Your Home From Oil Tank Damage and What's covered by insurance

Abandoned Oil TankAbandoned Oil Tank (Photo credit: massmatt)

Oil is a popular fuel source for heating, heat pumps/air conditioning. During the summer months, we aren't thinking of heating too much, and it's not unusual for people to just forget about the tank unless something goes wrong...

Can an Oil Tank Leak Really Cause That Much Damage In My Home?

According to The IBC,

  • One litre of leaked oil can contaminate 1 million litres of drinking water.

  • A pinhole in your tank can empty 1,000 litres of oil.

  • Cleanup of an oil spill can involve everything from replacing the tank and supply lines and removing contaminated soil, to replacing your home’s foundation.

 

Who Pays for damage resulting from an oil tank leak or spill?

 

If you have an oil tank and it leaks out due to a malfunction, maintenance or simple wear and tear you are responsible for the damage caused, not only to your own property but to the surrounding areas (such as your neighbours property) if it spreads. I have seen claims where people had an oil tank and it leaked causing damage to the neighbouring land - these situations are very stressful and require experts to come in and do soil evaluations as well as specialized removal and other tests.

 

Outdoor and Underground Oil Tanks

Note: 

Outdoor oil tanks must be declared to insurance companies because of the fact that they have a higher incidence of leakage, corrosion and spills.

If you have an underground oil tank, or are considering buying a property with an underground oil tank, call your insurance company first, many insurers will not insure a home with an underground tank (even if it isn't being used). Underground tanks should be removed and never left to "rest" on the property.

 

3 Steps in Prevention

How to make sure your oil tank is safe:

  1. Make sure your tank is installed properly by a professional and is ULC or CSA certified. Poor installations are a major cause of damage. Never purchase a used oil tank - the risks associated with taking an old tank are high. The most serious damage to oil tanks (and hot water tanks) occur from the inside out.
  2. Have your furnace and tank professionally checked and serviced at least once a year. Make sure they change the filter, inspect the integrity of the tank, and remove any excess water or sludge to avoid/reduce corrosion. 
  3. Don't wait for a problem before you replace the tank.  The average recommended time line to replace a tank is about 10 -25 years depending on the tank itself and its location  - make sure to check the specifications for maintenance and expected lifespan for your tank specifically. Even 10 years sounds like a safe number, but if we look at the data in this study (p.6), there is a very high incidence of damage and claims from oil tanks in the 6-10 year range - up to 44% of claims.  That's not a small number. 

Just because you have home insurance, doesn't mean you are covered for oil damage!

Every home policy is different, however in many cases there is no coverage included in your policy.  Many insurers offer an option to add the coverage up to a certain limit on your policy for a small charge. Having this coverage could help you dramatically in the event of an incident, so please be sure and contact your insurance provider and ask them if this is available to you, and find out what your policy will provide you with.

Bonus step: Add Oil Coverage With Your Insurance Company

Those are three easy steps to reduce risk and keep your home safe from oil damage. Even in the best of conditions, things sometimes go wrong, so your bonus step is to make sure and call your insurance company and ensure you add coverage wherever possible for damage resulting from the use and ownership of an oil tank.The coverage is usually not expensive - a few dollars a month, and well worth investigating.

Summer Tip:

Did you know its recommended to keep the oil tank mainly full during the summer to minimize condensation?

 

Taking care of this now will save you money and a lot of problems later!

If you've had an oil spill, I'd love to hear what your experience was, and  if there was anything you  would recommend to prevent spills in the future. 

You can share your story in the comments below!

  • Do you have an oil tank at home?
  • When was the last time you checked it?

 

 

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Did You Feel That #Montreal? To celebrate 371 Years : How About A Birthday Quake | When You're Shaken By An Earthquake - Do You Know If You're Covered?

"On May 8, 1642, Maisonneuve embarked from St. Michael, and on the 17th his little flotilla, a pinnace, a flat-bottomed craft moved by sails, and two row-boats, approached Montreal, and all on board raised in unison a hymn of praise." - CanadaHistory.com
Montreal is a city of culture, fun, adventure - definitely a place to shake things up and live the most out of life. Today we had a little shaking up of a different sort. Montreal is 371 years old today, and seems like we've started this year out with a little birthday quake!

Does your residential policy provide you with Earthquake coverage?

The following article was produced in an earlier blog, however given the number of earthquakes in the Quebec - Ontario region, and our most recent earthquake of today, felt in Montreal, I thought the info might be fun to look at again, and help you if you're wondering what the risks are and if you're covered.

How Many Earthquakes Do You Think Happen Every Day?

You may not be in one of the zones highlighted on the map below, but earthquakes are shaking our world more and more each day. Do you need this coverage? Read more below...

Earthquake insurance is a coverage that people buy based on their own personal experience.  In Canada, there are several hundred earthquakes with a magnitude 3.0 or less per year.  At this magnitude, the effects are rarely more than "a low rumble heard".*  Naturally, these have not been a concern for individuals.

Starting at 4-5 on the richter scale, people start to notice effects of earthquakes. According to Natural Resources Canada, the effects of earthquakes start to be noticable by humans on a larger scale - over 5.0, where vibrations start to be felt and the impact is enough to move light objects.

Does your home policy cover earthquake insurance?

It is essential to ask your broker or insurer this question. Most policies do not cover earthquake insurance on buidlings automatically, this coverage must be purchased as an additional coverage for additional fees.

I live in Canada, what are the risks?

Clients often ask me to tell them what they should do, based on my knowledge. Should they purchase earthquake insurance, given we hardly ever, if ever experience them ourselves first hand in this region. How do you decide? The only person who can assess if you should or should not buy earthquake coverage is you.  It is your insurance, and your investment in your home that you are seeking to protect. "But do you think I should buy it?".  I always recommend, better safe than sorry - buy it to make sure you are protected. However, given our experiences living in Canada, and the fact that we rarely feel earthquakes, at times it is hard to say. I wish I had the answer, it is an individual choice, however, to help make the decision I can offer some facts.

Historically, in Eastern Canada, there have been records of ten earthquakes between 1663 and today measuring over 5.0 on the richter scale. In this range, one can expect anything from the movement of objects, to fallen chimneys and destruction of old buildings. In the 6.0-7.0 range rockfalls and landslides also become issues. Furthermore, as the intensity reaches closer to the 7 on the scale, tsunamis become risks if the epicentre is off shore.*

How much does it cost?

Earthquake insurance rates vary from insurer to insurer. Usually a higher deductible than your homeowner policy applies (somewhere around 5% of the value of your building is usually a starting point for the earthquake deductible on the building). I have seen rates as low as $50-$100 per year to as high as $1000+ per year. Remember, it depends on the value of what you are insuring.

I don't own a home, is Earthquake covered on my condo or tenant policy?

No. Earthquake insurance is not automatically covered on a condo or tenant policy. Some insurers may offer this, but most of them exclude the damages to your property caused by an earthquake. The rates of adding the coverage onto a tenant policy are usually significantly less than a homeowner policy. You could expect to have it for as little as $30 per year. Again, this is based on the amount of coverage you need, your region and the insurance company. Please note that the company who offers you the lowest price on your policy without earthquake, is not necessarily the one who will offer the lowest price when you include earthquake coverage. Have your broker check all the companies to make sure you are getting the best rate. I have seen comanies charge twice the price for the same home, simply because their earthquake rates are different. Always remember, the price goes up as your contents amounts go up.

For Condo's the coverage may be more expensive since you are insuring the additions and alterations to your unit as part of the coverage. I have seen it as low as $50 per year, but it can also range upwards of $200 per year, again depending on the location and other standard rating factors.

It would be essential for you to contact your insurer or broker for a quote, as well as a brief discusion to find out what is covered in all cases.

Don't leave yourself unprotected, learn about the facts, find out what is available from your broker or insurance company, then make an informed decision. Never assume you have the coverage, it is excluded on most policies in Canada, unless specifically added to the policy upon request.

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*Statistics in this post come from Natural Resources Canada where you can learn more detailed information on your area here including an up to date listing of the most recent earthquakes.

For information on global earthquakes, visit:

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Give me quick & easy, personalized and confidential Feedback here or be part of the discussion by commenting below.

 


How to Insure Antique and Collector Cars for Less and Save Money

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Jay Leno driving up to the Emmy rehearsal 1993...Jay Leno driving up to the Emmy rehearsal 1993 in one of his antique cars, a Hispano-Suiza 8 (Photo credit: Wikipedia)

You may not be Jay Leno, but you may have a similar passion for antique cars!

There's good news - the car may be expensive, but the insurance doesn't have to be.

There are lots of options for Antique cars, and in this category, in our experience we can find excellent rates on insurance - and so should you, because the vehicles are not driven much and are usually very well protected and cared for.

Make sure you check for a specialized insurance company.

For example, the ones we use charge much less than our regular insurers, because they specialize in the antique market.

Agreed Value vs. Cash Value (and Limited Value) - It's not as simple as it sounds.

Be careful.

There are also additional considerations that the specialized markets may offer that are more advantageous than regular insurers, like making sure the coverage you get is agreed value and not cash value.

You have to know where to insure these special vehicles to get the best price and coverage.

Wondering what classifies a vehicle into this category?

Here's a guideline.

  1. Age of vehicle - 25 years or older is usually the ball park. However certain models and vehicles may still fit into the collector car category based on other factors like special features, limited production, etc.
  2. Use of vehicle - Annual mileage can come into play with some carriers, however not all carriers have this limitation. Some insurers will look at if it is used in the summer, vs winter - and others have more flexible guidelines. We have carriers that don't base it on any of this, and others that have very rigid guidelines. It's worth investigating, there are some definite advantages to knowing the options!
  3. Condition of the vehicle - naturally to be categorized as a collector car, it should be in excellent condition. Evaluations are not always required, depending on the insurance provider. We have some that absolutely require an evaluation, however higher end insurers that we deal with, such as Chubb may rely on their internal expertise rather than send the client out for an evaluation. In any case, when you have a collector car, it is recommended to make sure you get an accurate idea of the value from an expert.

Here's a great story from the NCIB, on a collector Corvette that was stolen then recovered 30 years later!



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Cut Your Costs: There's always room for more discounts. Do you have all of yours?

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The easiest option to save money on insurance is making sure you get all the discounts you are entitled to.

Does your insurer have all the information they need to give you all the best discounts? Here are some items that many insurers will credit your policy for:

  • For automobile, Conviction Free Discount (haven't gotten a ticket in years? why not benefit?)
  • Credit Check - this is not a discount per se, however it results in favorable rates for many people. In our offices we have seen rate adjustments up to 50%. Make sure you have authorized your credit scoring - it could really help.
  • Non-Smoking discount. Yes, you heard it, insurers even give discounts for things like being a non-smoker. It does not apply with all insurance companies, but its worth an inquiry. Not smoking is not only good fro your health, its good for your insurance too ! Every bit counts!
  • Group membership discounts - many insurance companies have group discounts. Find our from your employer if you have a group insurance plan for home and auto. There are also group discounts for members of certain professions or organizations like CAA, as well as professional discounts, and even university degree discounts. We have one insurance company who even gives a discount if you work for a company with more than 5 employees. It doesn't hurt to ask. Not yet graduated? Students get discounts with some companies as well. Seniors and Retirees also have special plans with some companies. There is something for everyone somewhere.
  • Alarm system discounts. Often people upgrade or install alarms and then do not think to update the insurance company. The difference between different home alarm systems can be from 5% to 40% depending on the insurance company. Make sure they have all the information they need to give you the best rate.
  • Insurance to full value on homes. Depending on the insurer, sometimes they will allow you to "save money" by only insuring to 85% of the estimated reconstruction value of the home, however, some insurance companies will give a special discount to clients who recently allowed a review of their home reconstruction value and chose to insure to 100%. Your insurer has to indicate this in the policy to allow for the discount code. Make sure that if your insurer offer this advantage, you have that discount on your policy.
  • Renovations: There are also discounts with some insurers when there are recent upgrades on the heating, hot water, oil tanks. Inquire.
  • Multi Policy discounts. We have all heard about the idea that if you have all your insurance with one company, you will get discounts. You might be surprised at how this doesn't automatically get assigned every time. So make sure if you have your policies through different companies, you get quotes to see how much it would be to combine them, you will see savings. Then make sure once you have them all together, you see the discounts listed on your policy, or call to make sure they are there. This can save you up to 25% per policy. That's significant savings. 
  • Mortgage Free Discounts. People often forget to advise when they have paid off the mortgage. When you have no mortgage on your home, most insurers give a discount - don't forget to make sure you have this , if you are entitled.
  • Winter Storage - People often put a car away for the winter and do not drive it at all. Did you know that insurance companies can often add a clause to your policy to limit the coverage during that time and therefore give you money back for the time the car was not on the road? A lot of people delete the insurance on their cars to save that money, however this leaves you unprotected for liability, or theft as well as many other possibilities. Find out about the storage discount, it will save you money but keep you covered.

Remember the insurance companies are very competitive and they are constantly developing plans to offer value and savings. They know no one wants to pay more for insurance than they have to. Take a few moments, review your insurance with your representative and there is a good chance they will have ways to give you great coverage while still saving you some cost.

 

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Put money back in your pocket by making smart insurance choices. #insurance #savings

ChristmasThe holidays are a wonderful time of year where people from all over the world get to take some valued time off with the family, enjoy a few days off and plan for the year ahead.

Unfortunately this time of year can be very stressful for many as we increase our expenses on vacations, gifts and events. One of the things I try and do year round is find ways to save people money on their insurance while still providing them with high value products that offer good protection.

So here are some cost saving tip ideas to ask your insurance representative about, I hope it will help you save on your insurance, and maybe even get you a refund on your annual premium if you make the changes now:

Here are some areas to explore

Children in College - you are paying a great deal for their school, take advantage of any benefits your policy may allow.

People Walking at Rockefeller Center Holiday lights and angels

Exploring what coverages you can get for free -  ex:  Identity Theft, Legal Assistance, Roadside Assistance, Home Care. So many companies have come out with little mini plans to offer you these services, find out what you may already have in your policy, or what you could get at no cost, and save the cost off all your other plans (like credit card companies, banks, Roadside plans, etc).

Auto Insurance  - How to cut costs, get all the discounts you're entitled to

Travel Insurance  & Car Rental Insurance Learn About what is already covered on your home and auto policies so you do not have to pay more than you need when you go on vacation!

The Deductible
"I am not going to have a loss, so I don't want to pay a lot on insurance" - Great plan, so consider increasing your deductible. It can make a difference.

The easiest option to save money on insurance: Make sure you have all the discounts on your policy that you are entitled to.

Remember the insurance companies are very competitive and they are constantly developing plans to offer value and savings. They know no one wants to pay more for insurance than they have to. Take a few moments, review your insurance with your representative and there is a good chance they will have ways to give you great coverage while still saving you some cost.

You do not want to find cheap insurance and sacrifice value, you want to find good products, that respond to your needs and protect you.  Everyone is different, every situation varies. Make sure your insurance packages give you what you need to keep your home and family safe for the holidays and always!

If you are going away for a holiday vacation, don't forget to check out my vacation tips for safety, prevention and savings!

  Times Square Holiday Angels and snowflakes Christmas scene
Wishing you all the happiest of holidays and a year ahead full of success, health and all things good!



Kids in college or away at school? You have some #insurance discounts you may be able to get!

Every year we speak to our clients about kids away at school and some of the concerns that come up as a result. There are often good ways to make sure your child is fully insured, while still saving money if you manage your policies properly.  Here are some common tips and things we have done to help save our clients money while keeping their kids safe. Remember that every insurance company is different, so make sure to have a discussion with your agent/broker or insurance company to find out what their policies are, they may even have more ideas to suggest!

Do they need coverage for their apartment or dorm?

Sometimes when you have kids in school you buy them tenant insurance for their apartment. Did you know that many insurance companies include coverage for dependants at additional locations? Find out if you can cover your dependents automatically through your home policy for liability and their contents without spending more!

Do you have your kids on your car insurance while they are away at school?

Many insurance companies have special codes they can put into your policy indicating that your occasional driver is away at school. Often if they are  100 miles away (for example) it is understood they will not have access to the car on a regular basis, they will only be in town for holidays, long weekends and summer, so we have insurance companies that add a 50% discount to the rates. Why not cash in on that? Speak to your insurer for ideas and details.

If your company does not offer this kind of accommodation/discount -  you should ask around, its fairly common.Not all companie shave the same products or protections, it is important to inform yourself. 

Finally, some insurers offer discounts when the parents and children have their own insurance, but keep it with the same company. Make sure to ask about this. Often an insurance company may forget to make the connection, why leave anything on the table?

Kids going away to school often bring up new issues with insurance, laptops to insure, liability for premises rented, how to insure roomates, travel insurance... All these things are worth discussing with your insurer. What kinds of needs have you encountered?


Is being with the wrong insurance company costing you money? Find out what companies will give you for free.

Insurance is competitive. As brokers we get the opportunity to compare products and advantages daily which allow us to try and give our clients the best options.

From the consumer side much of this information may not be evident especially if you are not dealing with a broker, or you do not have a specific agent representing your family.

Here are some tips to try and help you as you look at your own insurance needs, perhaps there are some ways by looking at these points and having a discussion with your insurance company or representative that you can save some money.

Look for discount opportunities or policy packages that give you advantages you need at no additional cost. All insurance companies and policies are not the same.  

Some examples of coverages that are often offered at no charge by some insurance companies - and charged for with others are:

  • CAA or Roadside assistance - we have one company that offers it for free - however it must be requested or offered. This saves our CAA members $75 per year, simply because they went with the insurance company that offered it. They could be with another insurance company all along and not even realize this option is available. Make sure you find out if you could have similar perks - all you have to do is ask.
  • No obligation to replace with full replacement value on your building, or contents. This can be a huge advantage.  Some insurers charge higher premiums to include this in your policy. it used to be that only VIP , expensive and high end policies offered this option. It has now become a competitive advantage point for many carriers. Some companies offer it for free if you insure your home and car with them or  if you are of a certain age (we have one company that gives it to anyone over 45, another who gives it only if you're retired, another who gives it if you are a CAA member) Just examples but something to think about.

One of our companies, Aviva Canada, for example offers their policy holders between 45 and 75 years old, who have their home and car insured with them (under their Connexion Plan) the following amazing advantages, which other insurers charge for individually:

  1.  Health assistance
  2. Telephone assistance services
  3. Legal assistance ~ever need to speak to a lawyer? This gives you access, included for free.
  4. Home assistance
  5. Support and home care (following a 5 day hospital stay) ~what a huge advantage!, 
  6. Replacement cost with no obligation to replace &   2-year guaranteed premiums

There are advantages with almost every insurance company, the key is finding out and asking about it.

  • We have another company that offers free legal assistance with every home policy.
  • Most companies are now offering some form of Identity theft coverage. Do you have this included now, are you paying for it and is there an opportunity to get it for free?
  • Another company that includes coverage for rental cars worldwide, as opposed to "limited to North America". This may be important to some who travel often to Europe or worldwide, and totally irrelevant to others. It is worth knowing about, and if it doesnt appeal to you, maybe this is one of those value added's that you don't really want to be paying for.
  • Some companies automatically extend your contents coverage to other properties that you may own or rent, others charge for this.  

Have a conversation with your insurance representative to make sure they really know you and what your needs are.

Often when you speak to a direct insurance company, there is no opportunity for the agent to really know you. Ask the questions and you may be surprised at how much you can save and benefit when you really look at the big picture.

As brokers, we do our best to do this all the time for our clients because it's not just insurance - its finding the best fit to protect your assets, save you money and serve your individual needs.

Do you have any tips to save on insurance that allow you to save and keep the coverage you really need in place? What have your experiences been?

 


Your Travels and Insurance - Helping You Save Some Money

Ready to go on that vacation?

Vacations are expensive, the last thing you need to is to be hit with hidden charges or costs that aren't necessary.

 There's no need to spend on added expenses if you inform yourself about all the coverage you already have. Here are some insurance related tips, suggestions, and ways that you may already be covered - with a little luck, it will save you some money.

  • The first place you want to check is your rental car insurance. Often people think, it's covered by my credit card - but this isn't always as straight forward as you think. There are serious gaps in coverage on credit card plans. The good news? If you have your own personal car insurance - you may already have comprehensive coverage included in your current rates. Want to learn more? Read about it here where I cover all the different options in my post "The Road Leads to Adventure: What you need to know about car rental insurance".
  • Because we insure home, car, travel insurance here, we know of all the different possibilities in making the right insurance choices, client's often double insure themselves, or take for granted they are covered when they are not. Check out this article/checklist of potential areas to save money , as well as some safety tips for when you travel:   Things to take care of before you leave for your holidays.
  • You can also check out my Vacation Planning tips on The 12 Most Savvy Travel Tips to Save Money and Make it Your Best Vacation Ever!

Being informed can save you a bundle. Take the time to read about these things, then talk to your insurance advisor - don't spend more money than you have to!

 Here is a great video that gives an overview of some things to think about when deciding about travel insurance and what you need to do to prepare for a safe and happy holiday. 

What is your plan for the insurance?

Your homeowner insurance policy, your automobile insurance policy, your employer's benefits plan and your own health insurance may cover you for more than you think.

 

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