Ontario Insurance Resources
- Consumer Protection
- General Information
- Car Insurance
- Articles/Brochures
- Car Insurance Rate Changes in Ontario
- Explaining Ontario Car Insurance
- Understanding car insurance
- How your car insurance premiums are calculated
- What to do after a car accident?
- Understanding the claims process after a car accident
- Order your drivers abstract from the Ontario Ministry of Transportation
- Understanding and decoding your cars Vehicle Identification Number
- Articles/Brochures
- Home Insurance
- Articles/Brochures
- Understanding home insurance
- 10 Factors that affect the cost of your home insurance
- How to reduce the risk of your basement flooding
- The evolution of water damage as the leading cause of property insurance claims
- Toronto Basement Flooding Protection Subsidy Program
- Finding it difficult to get insurance on an older home?
- Articles/Brochures
- Business & Commercial Insurance
- Life Insurance
- Disability Insurance
- Critical Illness Insurance
- Saving Money On Your Insurance
- Commission Disclosure
Consumer Protection
- Financial Services Commission of Ontario
- If you ever have a dispute with an insurer’s decision to deny or terminate your accident benefits, the Financial Services Commission of Ontario (FSCO) can help mediate the issue with little cost to the insured.
- http://www.fsco.gov.on.ca
- Registered Insurance Brokers of Ontario
- The Registered Insurance Brokers of Ontario (RIBO) is an organization established by the Ontario government to protect the public during insurance transactions with brokers.
- http://www.ribo.com
GENERAL INFORMATION
- Insurance Bureau of Canada
- The Insurance Bureau of Canada (IBC) is the trade association representing Canadian private property and casualty insurers, with member companies representing 90% of the insurance market in Canada. The IBC provides Canadians with industry information related to car, home, and business insurance.
- http://www.ibc.ca
Articles/Brochures
- The Danger of using unregulated websites providing insurance quotes.
- In 2010, the Globe and Mail wrote an interesting article in 2010 entitled “why promises of lower websites don’t always deliver”. It explores the risk and dangers of consumer’s obtaining online car insurance quotes through unregulated and unlicensed websites.
- Why Promises of Lowest Rates Don’t Always Deliver – theglobeandmail.com
- Haven’t you always wondered why YOUR insurance rates keep increasing? This article by Unica Insurance provides some good tips to lower your premiums, and a technical explanation about the rising cost of insurance.
- Understanding Rising Insurance Rates – unicainsurance.com
CAR INSURANCE
Articles/Brochures
- Car Insurance rate changes in Ontario
- See what the insurance companies in Ontario are doing to your car insurance rates. This link will bring you to a report showing the changes in Ontario car insurance rates, from 2011 to 2017. This list will be updated quarterly.
- Link to pdf chart on our website – dmwinsuranceltd.com
- Explaining Ontario Car Insurance
- This provides a link to a booklet in a pdf format prepared by the Insurance Bureau of Canada. It answers many interesting questions about car insurance in Ontario, an explanation of auto insurance coverage’s, and making a claim on your car insurance policy.
- Ontario Auto Insurance FAQ – ibc.ca
- Understanding car insurance
- A second perspective on understanding car insurance, by the Financial Services Commission of Ontario (FSCO).
- Understanding Automobile Insurance – fsco.gov.on.ca
- The insurance bureau of Canada provides explains how your car insurance premiums are calculated.
- How Car Insurance Premiums are Calculated – ibc.ca
- What to do after a car accident ?
- This link takes you to some useful tips published by FSCO about what to do after you’ve been involved in a car accident.
- What to do After an Auto Accident – fsco.gov.on.ca
- Understanding the claims process after a car accident
- This article by FSCO discusses many topics including; reporting the accident, deciding who’s fault the accident is, and what to do if you disagree with your insurance company.
- After an Auto Accident: Understanding the Claims Process – fsco.gov.on.ca
- Order your driver’s abstract from the Ontario Ministry of Transportation
- This link will take you to the Ontario government’s Service Ontario website where you should be able to order your driver’s abstract. The government charges a fee for this service, approximately $12, and is paid by credit card.
- How to order a 3-year uncertified drivers record – ontario.ca
- Understanding and decoding your car’s Vehicle Identification Number (VIN/Serial Number)
- The serial number of your car is it’s electronic fingerprint id. Follow the above link to decode your car’s link, and follow the link below to learn more about the issue
- Vehicle Identification Numbers (VINs) – ibc.ca
HOME INSURANCE
Articles/Brochures
- Understanding home insurance
- A guide to understanding your home insurance policy, provided by the IBC.
- All About Home Insurance – ibc.ca
- 10 Factors that affect the cost of your home insurance
- According the IBC, here are some the main items that affect your home insurance premium
- All About Home Insurance – ibc.ca
- How to reduce the risk of your basement flooding
- Flood and water damage is becoming the greatest risk to your home. This link takes you to a series of articles published by the Institute for Catastrophic loss reduction.
- Reduce The Risk Of Basement Flooding – basementfloodreduction.com
- The evolution of water damage as the leading cause of property insurance claims
- This link takes you to a series of articles and videos prepared by Intact Insurance. It includes information about how sump pumps and sewer backup valves can be used to reduce the risk of damage to your home.
- Preventing Water Damage – insuranceisevolving.com
- Toronto Basement Flooding Protection Subsidy Program
- Financial subsidies of up to $3,400 for single-family, duplex, and triplex residential homes built before 2009 to install flood protection devices.
- Toronto Basement Flooding Protection Subsidy Program – www1.toronto.ca
- Finding it difficult to get insurance on an older home ?
- This link brings you to a brochure prepared by FSCO which discusses some of the potential challenges you may face when trying to insure an older home.
- Finding it difficult to insure your older home ? – fsco.gov.on.ca
BUSINESS and COMMERCIAL INSURANCE
Articles/Brochures
- Understanding Business Insurance
- An introduction to some of the key concepts and coverage’s that should be included in your commercial insurance policy.
- Business Insurance Coverage – ibc.caa
- Business Interruption and Extra Expense insurance
- An explanation of one of the more complex, but important commercial insurance topics – business interruption.
- Business Insurance And You – ibc.ca
LIFE INSURANCE
Articles/Brochures
- A Guide To Life Insurance
- This helpful booklet by the Canadian Life and Health Insurance Association (CLHIA) takes some of the mystery out of life insurance and explains some of the different types and coverage’s available.
- A Guide To Life Insurance – clhia.ca
DISABILITY INSURANCE
Articles/Brochures
- A guide to Disability Insurance
- Produced by the CLHIA, this guide helps you understand disability insurance and why you need it.
- A Guide To Disability Insurance – clhia.ca
CRITICAL ILLNESS INSURANCE
Articles/Brochures
- Explaining Critical Illness insurance
- This link brings you to Canada Life’s website, where they explain why you need critical illness insurance.
- Critical Illness Insurance – canadalife.com
SAVE MONEY ON YOUR TAXES
Articles/Brochures
- Benecaids Health Spending Account
- A health spending account provides an interesting way to save money on your taxes when you or your family members incur medical expenses that aren’t covered by your provincial health plan (OHIP). Eligible medical expenses may include cosmetic surgery, nursing home care for an elderly parent, orthodontic payments, etc. This link brings you to a brochure prepared by Benecaid which explains the process a little further.
- Health Spending Account – benecaid.com
COMMISSION DISCLOSURE
Articles/Brochures
- Available on request. For a copy of this form, please contact us, or fax your request to 416-787-1669.
