Author: Sheldon Williams

Demerit Points and Insurance – what you need to know!

Oh, the dreaded demerit point – the countdown to license suspension. The Ministry of Transportation of Ontario (MTO) tracks the amount of points related to your conviction, and when they hit a certain threshold, your license is suspended. But how do demerit points affect your insurance? The quick answer is: not at all! That’s right, demerit points do not affect your insurance premium. You have probably been told that if you fight your ticket to reduce your points, it will help your insurance rate. However, there are some details that make this untrue. As I said, demerit points are...

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Home Share Insurance – What You Need to Know

The world’s largest taxi firm Uber owns no cars. Airbnb owns no property, but is the largest accommodation provider. Likewise, Airbnb owns no property, but has been an extremely popular choice of accommodations. The sharing community has really taken off in the past few years, and Airbnb in particular has been a hot topic in insurance. While watching videos about home sharing recently, I noticed one in particular, where a woman rents out a bedroom in her home. In the video she said that she doesn’t “rent to strangers”, but that they are just friends that she just hasn’t...

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THE INSURANCE CORNER – THE INSIDE SCOOP: Five Things You May Not Know About Insurance

The term home insurance covers many different categories; whether tenant, condominium, townhouse, semi- or detached, home is where the heart is. There are many things to consider when insuring what could be the largest investment in your life. The question is: are you aware of what they are? Well, the spring edition of the Insurance Corner will focus on the five things you should know about home insurance. 1. The value of your home for insurance purposes is not the market value! The value of your home is based on the cost to replace it in its current location, that is, the cost of supplies and labour required...

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The Insurance Corner – The Inside Scoop

Five Things You May Not Know About Insurance Let’s face it, auto insurance is not a popular topic to discuss over a glass of wine at a friend’s house. Mostly, the topic of auto insurance usually brings up feelings of frustration and uncertainty; Frustration because it seems to be so unfair, and uncertainty because unless you work in the insurance industry, there are many things you may not know. As an individual who started his insurance career in 2001, I would like to take the time to highlight five things that you may not know about auto insurance. In the end, I...

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