https://beyondinsurance.ca/wp-content/uploads/2020/11/WinterTires.jpg 2400 2400 Andrea Cassidy https://beyondinsurance.ca/wp-content/uploads/2020/03/excel-beyond-insurance-logo.png Andrea Cassidy2020-11-12 16:20:552020-11-12 16:20:55Winter Tires and Your Insurance
How does having winter tires on your vehicle affect your insurance? If you put winter tires on your car, let us know! It could mean a discount on your insurance policy. Does you car have AI? Same thing! It could mean a reduced rate for your auto insurance policy.
Winter has arrived and we’ve got a hot tip for you. If you put winter tires on your vehicle every winter, let us know. Some insurance companies offer discounts to your auto insurance if you change your tires over to winters every season. We will update your file and in some cases, this generates a discount on your policy.
Also, Insurance companies are getting more and more sophisticated and recognizing AI technology in vehicles. Be sure to inform us if your vehicle has advanced braking features, or lane assist. These features can sometimes generate a discount for your auto policy as well.
As your Red Deer insurance broker, we are accessible, available and always looking for great information to share with you about your insurance policy.
https://beyondinsurance.ca/wp-content/uploads/2020/07/stormseason.jpg 500 500 Andrea Cassidy https://beyondinsurance.ca/wp-content/uploads/2020/03/excel-beyond-insurance-logo.png Andrea Cassidy2020-07-08 13:19:092020-07-08 13:19:09Storm Season Tips
Storm Season Tips:
Protecting your home and vehicles from hail
Summer storm season is upon us and, as your best Red Deer insurance broker, we have put together a list actions that you can take to protect your home from hail damage. We encourage you to chat with your insurance broker to discuss specific strategies for upgrading your home to hail resistance. If you are renovating, replacing your roof or replacing siding, make it a priority to call us first for advice on what grade and product to consider. Various Insurance companies offer policy discounts for upgraded siding and shingles that are rated for higher impact resistance.
The simplest and most common form of risk mitigation for your vehicle during a storm is to park it in a protected structure, such as a garage. If this isn’t possible, the use of car covers or blankets is recommended. Several car cover manufacturers make covers and blankets that are hail resistant.
Use window safety films to protect windows, doors, and skylights.
When re-roofing, install a ice and water shield underlay (preferably self-adhering and waterproof).
Use a roofing product that has Underwriters Laboratories UL2218 Class 4 impact resistance rating. And remember, some insurance companies will offer a discount on your premiums when your home has higher rated shingles.
Consider using cement board (Hardie Board or fiber) in place of aluminum or vinyl siding for your home – especially if you are in a high risk hail zone.
Purchase a home with steeper sloping roofs. Flatter roofs are more susceptible to hail damage.
What are we doing for you?
Insurers are working hard to prevent hail damage. Have you noticed the planes that fly into the clouds when there is a hail or thunderstorm warning? Cloud seeding disperses silver iodide into the developing clouds to change the physical properties of the cloud, which changes the type of precipitation the cloud forms. Seeding doesn’t eliminate hail, but it does reduce the size of hail the cloud creates.
Take our Quiz
Want to know your hail damage risk score? Hop over to our Facebook or Instagram and measure your risk.
https://beyondinsurance.ca/wp-content/uploads/2020/04/DSC_1681-scaled.jpg 2560 1707 Andrea Cassidy https://beyondinsurance.ca/wp-content/uploads/2020/03/excel-beyond-insurance-logo.png Andrea Cassidy2020-04-14 10:56:002020-04-14 10:56:00COVID-19 and your Auto Commute
COVID-19 and your Auto Commute
Many insurance companies are pivoting and offering solutions for COVID-19 and your auto commute. We continue to compile resources from every company that we represent to ensure we are keeping you up to date on how to best manage your insurance policies during the COVID-19 social distancing and isolation.
You are no longer commuting to work
If you still require use of your vehicle, but you are no longer using it to commute to work/school during the pandemic, or if your vehicle is driving significantly fewer kilometers over this period, we can adjust the applicable policy information. For example, if your vehicle was used for business purposes or driving to and from work or school, we can determine if you now qualify to modify your policy to pleasure use.
As a quick disclaimer, it is important to note that, in order to avoid potential risk of being under-insured, you are responsible for calling us to have the use and/or mileage adjusted once your situation changes.
You are no longer driving your vehicle at all during the COVID-19 pandemic
It’s important that you understand the options available. If you are not using your vehicle at all during the pandemic, there are two options:
1. You can chat with us about reducing liability coverage as well as your comprehensive and collision deductibles.
2. You can choose to park the vehicle and completely remove road coverage. This is something we will chat with you about on a case-to-case basis and help you determine your risk vs. reward for amending coverage in this way.
Please note – if the vehicle is leased or has a lien holder, we can’t reduce to Comprehensive only without written confirmation from the lessor or lien holder.
Paying your Premiums
We are proud of the insurance companies we represent as many of them are offering flexible payment options or even payment deferral options. If you feel you can not pay your insurance premium, please contact us and we can navigate this with you and the insurance company.
https://beyondinsurance.ca/wp-content/uploads/2017/09/DSC_9397.jpg 1067 800 Andrea Cassidy https://beyondinsurance.ca/wp-content/uploads/2020/03/excel-beyond-insurance-logo.png Andrea Cassidy2017-09-28 16:28:412020-01-14 15:43:42Doug & Bre’s Testimonial
Doug & Bre’s Testimonial
Read Doug & Bre’s Testimonial to find out why Beyond Insurance is the best option for your insurance Red Deer. Another great personal lines insurance testimonial from happy clients! Bundling your home & auto is a great way to maximize discounts and boost your savings! If you’re worried about having to get a vehicle inspection in order to switch companies, don’t let that hold you back. Many companies are just looking for photos in place of an inspection, which can save you hundreds of dollars right there! Ask us today for a quote and let’s see what we can save you.
Bre & Doug say: “Matt and Andy are in our corner. Everything from navigating insurance province to province, making things work on the fly and coaching us though a rental water damage claim. We can level with them and they make service simple for us. In addition to this, they helped save enough on our policies that we are almost getting a motorcycle insured at no extra cost.”
Who doesn’t love saving enough money on their insurance to buy a motorcycle?! Win win! Thanks Bre & Doug for your kind words.