From the category archives: Protection Blog

Recent updates and helpful information regarding personal lines of insurance including homeowners insurance, auto insurance, motorcycle insurance, RV insurance and more!

What could lead to your car insurance claim being denied?

Written by on 2017-09-08 7:43 AM . It has 0 Comments.

No one wants to have a car accident. Certainly, no one wants to be hurt in a car accident. Unfortunately, accidents do happen. Having the right coverage for your vehicle usually means you’ll have the protection needed to have your car repaired, or in case of injury, have help to rehabilitate yourself back to health. However, there are times when the actions of car owners puts their insurance policy and coverage at risk. Most Common Reasons for Denying a Claim Undisclosed Regular Drivers – It’s true you can lend your car to anyone, but be warned you are also lending your car insurance. One off situations where a friend needs your car for a day are fine. Make sure everyone has a valid driver’s licence before your lend your car because any accidents they have will affect your insurance rates. However, when there is a regular driver of the car and you have not informed your insurance company you could see your claim being denied. This happens frequently as parents of underage drivers ...


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Do You Know Your Condo Insurance?

Written by on 2017-04-19 12:46 PM . It has 0 Comments.

With condos increasingly viewed as a viable alternative to single detached homes it's necessary to understand the particular quirks of condo insurance. Like a Tenant's Policy Like a tenant's policy you'll need an idea of the "Replacement Value" of all your possessions; including clothing, furniture, linens and bedding, electronics, pots and pans, dishes, glasses and cutlery, the food in the fridge and freezer and pantry, beer and liquor and including all the appliances; everything. In estimating the "Replacement Value" of everything, please use "full price" rather than "sale price". Why? Because after a fire you'll want to replace everything as quickly as possible. Not Like a Tenant's or Homeowner's Policy Unlike a tenant's or homeowner's insurance policy Condos have standard unit definitions. The standard unit defines what is considered the responsibility of the condo unit owner to insure and what the condo corporation is to protect. The condo corporation is responsible for insuring all the c ...


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New Rules For Drone Usage

Written by on 2017-03-22 5:53 AM . It has 4 Comments.

Transport Canada recently announced new rules for recreational drone use in Canada. Unlike previous guidelines around drone usage these are now law and, if found guilty, a person could see a fine of up to $3,000. If your drone weighs between 250 grams and 35 KG you must follow these rules: Do not operate your recreational drone: higher than 90 m above the ground closer than 75 m from buildings, vehicles, vessels, animals, people/crowds, etc. closer than nine km from the centre of an aerodrome (any airport, heliport, seaplane base or anywhere that aircraft take-off and land) within controlled or restricted airspace within nine km of a forest fire where it could interfere with police or first responders at night or in clouds if you can’t keep it in sight at all times if you are not within 500 m of your drone if your name, address, and telephone number are not clearly marked on your drone. Operating your drone in clear weather and during daylight ho ...


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What Should You Do With A Hit and Run?

Written by on 2017-02-16 5:33 AM . It has 0 Comments.

There’s nothing worse than approaching your car in a parking lot and noticing damage that wasn’t there before. Hit and Runs, unfortunately, happen too frequently. Typically, these kinds of accidents occur in parking lots and the damage is minor. What isn’t minor is the inconvenience to you when your car is hit. The first thing you should do is look around. Is there anyone who may have witnessed the collision? Someone may have some information for you. Note the time of day and where you parked. Take photos of your car and the area, clearly showing the extent of the damage. Once that’s done visit a Collision Reporting Centre. Don’t know where the nearest one is to where you had the accident in Ontario? Visit here to find its location. The more information you have to report to the police the better. Your information may lead to identifying the other driver. Once reported you will receive a collision report number. If you are going to make an insurance claim insurance companies ...


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Home Insurance for Airbnb Hosts Now Available

Written by on 2017-01-30 6:27 AM . It has 0 Comments.

Have you rented your home to short term guest? Do you use AirBNB to rent out your home? Perhaps you’re an empty nester looking to rent out a room through a home-share program. Erb and Erb Insurance Brokers has a great insurance solution to your needs. Many people don’t realize that the standard homeowner’s policy in Ontario excludes coverage for losses or damage that can occur while renting it to others. People wanting to take part in the home sharing economy would have to purchase a commercial insurance property policy, with different limits on their personal contents. Until now! Keep Your Great Home Insurance and Protect Your Guests at the Same Time! Erb and Erb Insurance Brokers now offers Aviva Insurance homeowner policy holders the option to add a simple endorsement onto their policy. The Short-Term Rental Endorsement can either be added or purchase as a standalone product for rental income property owners. You can choose your level of coverage based on how much or little you want ...


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Thinking About Driving Without Car Insurance? Prepare Your Wallet.

Written by on 2016-11-16 8:16 AM . It has 0 Comments.

Some decisions are the spur of the moment kind like buying chocolates at the grocery store when all you went for was milk. These kinds of decisions, despite a diet horror, pose little threat to those around. Other knee jerk decisions like “I’m going to run this red light” or “I’m not paying for car insurance anymore” have the potential to adversely affect the rest of your life and the lives of your family and others around you. Related Read: When Driving Thousands of Pounds of Steel, Focus on the Road In Ontario we all know car insurance is mandatory. It’s required. The premise is to protect innocent third parties in the event of a car accident. Insurance, as has been mentioned countless times before, is the pooling of the funds of the many to help the few in times of claims. When motorists opt not to pay for car insurance, yet still drive, it makes insurance more expensive for everyone else. Don’t think so? For a start look at your uninsured motorist charg ...


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Medical Care Costs for Car Accident Victims Quickly Add Up

Written by on 2016-10-18 11:34 AM . It has 0 Comments.

By now we’ve all heard of the unfortunate motorcycle accident of an Ontario man, which occurred on June 1, 2016. We know about his plight with increasing medical and rehabilitation costs. We’re all saddened by his ordeal, both from the accident itself and from his experience with the changes to Accident Benefits (injury benefits) for car insurance in Ontario. Related Read: Important Changes to Ontario Auto Insurance Are Coming Under the Government of Ontario’s mandate to reduce car insurance costs in Ontario benefit limits were reduced and a change was made regarding how brain trauma in vehicle accidents is accessed. Under the old Accident Benefit rules (pre-June 1, 2016) the Glasgow Coma Scale was used to determine brain injury. Now the Glasgow Outcome Scale, or Extended Glasgow Outcome Scale, is used (see the new regulation here – section 4ii). While the exact differences between the two are beyond our expertise, it is this change that resulted in the man’s injuries being ...


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Exciting Changes at Erb and Erb!

Written by on 2016-09-07 6:58 AM . It has 0 Comments.

Since 1919, Erb and Erb Insurance Brokers Ltd. has continually adapted to changes in the industry and in technology to provide the best service and advice to our clients. Erb and Erb would like to take the time to thank all of our clients for their continued trust in our services. We appreciate your patronage and will continue to earn your business every year. These are exciting times at Erb and Erb Insurance Brokers Ltd. As you may have seen or read in the news Erb and Erb Insurance Brokers Ltd. has been recently purchased by another community oriented, independent insurance brokerage, Lackner McLennan Insurance Ltd. Lackner McLennan has faithfully served Waterloo Region and Canada for 70 years. We are thrilled at being a part of Lackner McLennan Insurance Ltd. and couldn’t be happier with this merger. Both Erb and Erb and Lackner McLennan will continue to operate as their own entities. What this means is that going forward you will still deal with your current broker and you’ll still be ab ...


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Pokemon Go and Your Property Liability

Written by on 2016-07-18 9:39 AM . It has 0 Comments.

A new video game, or app, has attracted some 47 million users world-wide in a matter of days. Pokemon Go, if you aren’t familiar, involves augmented reality – a combination of real world surroundings with fictional monsters, Pokemon, superimposed on a smartphone screen – which allows players to collect monsters and compete with other players. And now Pokemon Go is officially available in Canada. With the huge following this game has garnered have come reports of injuries, robberies and trespassing. Injuries from players not paying attention to their surroundings have resulted from slip and falls or walking into objects or bumping into other players. While distracted walking is nothing new, and certainly not limited to Pokemon Go, with the game’s hyper-popularity comes increased risk to players. What Happens If Someone Gets Hurt on My Home or Business Property? If you have property insurance, whether commercially for your business or personally for your home or cottage, you have pr ...


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