Why you need to tell your insurer if you install a roof rack or make other car modifications
Thinking about installing a roof rack on your car for bikes or skis, or modifying your vehicle in another way? Always inform your insurer before you make any changes to your vehicle. Modifications can impact your insurance if they alter the vehicle’s safety, increase the likelihood of an accident or increase the value of the vehicle. Here are a few things you need to know about the various types of vehicle modifications.
For more information, visit www.otipinsurance.com/article73.
Thinking about installing a roof rack on your car for bikes or skis, or modifying your vehicle in another way? Always inform your insurer before you make any changes to your vehicle. Modifications can impact your insurance if they alter the vehicle’s safety, increase the likelihood of an accident or increase the value of the vehicle. Here are a few things you need to know about the various types of vehicle modifications.
For more information, visit www.otipinsurance.com/article73.
10 tips for safe summer grilling
Many Canadians choose to take their cooking outdoors in the summer to make the most of the long days of sunshine. However, it’s important to take precautions when barbecuing to prevent potential fire-related injuries and damage to your home. Before you light up the grill this summer, make sure to review the following grilling safety tips.
For more information, visit www.otipinsurance.com/article72.
Many Canadians choose to take their cooking outdoors in the summer to make the most of the long days of sunshine. However, it’s important to take precautions when barbecuing to prevent potential fire-related injuries and damage to your home. Before you light up the grill this summer, make sure to review the following grilling safety tips.
For more information, visit www.otipinsurance.com/article72.
Feeling the spring-cleaning itch? Tidy up your home with these tips!
With warmer, sunnier days comes the annual tradition of spring cleaning, a time to freshen up your home inside and out. Getting rid of the extra clutter and dirt that accumulated throughout the winter can make you feel bright and ready for relaxing during long summer days. Here are a few tips on how to have a successful and refreshing spring clean this season.
For more information, visit www.otipinsurance.com/article70.
With warmer, sunnier days comes the annual tradition of spring cleaning, a time to freshen up your home inside and out. Getting rid of the extra clutter and dirt that accumulated throughout the winter can make you feel bright and ready for relaxing during long summer days. Here are a few tips on how to have a successful and refreshing spring clean this season.
For more information, visit www.otipinsurance.com/article70.
COVID-19: How it could impact your car and home insurance
The COVID-19 outbreak is changing many aspects of our daily lives. To help navigate these changes, OTIP has compiled a list of commonly asked questions about the potential impact on your home or auto insurance coverage.
To learn more about COVID-19 and your insurance, visit www.otipinsurance.com/article68.
The COVID-19 outbreak is changing many aspects of our daily lives. To help navigate these changes, OTIP has compiled a list of commonly asked questions about the potential impact on your home or auto insurance coverage.
To learn more about COVID-19 and your insurance, visit www.otipinsurance.com/article68.
Deadline extension: OTIP Sponsorship of School Projects and Initiatives Program submissions due April 30, 2020
At OTIP we know that within the education community there are many member-led school projects or initiatives that support learning, provide an enriched experience or make a difference to those in need. Through the OTIP Sponsorship of School Projects and Initiatives Program, members can submit a video application with the chance of winning $5,000 towards their project. With schools across Ontario closed the decision has been made to extend the submission deadline, with applications now being accepted until April 30, 2020.
For more information, visit www.otipinsurance.com/article65.
At OTIP we know that within the education community there are many member-led school projects or initiatives that support learning, provide an enriched experience or make a difference to those in need. Through the OTIP Sponsorship of School Projects and Initiatives Program, members can submit a video application with the chance of winning $5,000 towards their project. With schools across Ontario closed the decision has been made to extend the submission deadline, with applications now being accepted until April 30, 2020.
For more information, visit www.otipinsurance.com/article65.
COVID-19: We’re here to help!
As the situation with COVID-19 keeps evolving, OTIP continues to work closely with its stakeholders and partners to make proactive decisions that are grounded in care for its members and employees. Learn what you need to know about access OTIP’s services during this time.
For more information, visit www.otipinsurance.com/article67.
As the situation with COVID-19 keeps evolving, OTIP continues to work closely with its stakeholders and partners to make proactive decisions that are grounded in care for its members and employees. Learn what you need to know about access OTIP’s services during this time.
For more information, visit www.otipinsurance.com/article67.
The OTIP Bursary Program is turning 25!
Do you know a student who could use $1,500? Now open for applications, the OTIP Bursary Program, offered by the Ontario Teachers Insurance Plan (OTIP), is awarding 25 bursaries — the most since the program’s inception! If you or a close relative will be attending post-secondary school during the 2020-21 academic year, you have a chance to win $1,500 to help with school expenses.
For more information, visit www.otipinsurance.com/article66.
Do you know a student who could use $1,500? Now open for applications, the OTIP Bursary Program, offered by the Ontario Teachers Insurance Plan (OTIP), is awarding 25 bursaries — the most since the program’s inception! If you or a close relative will be attending post-secondary school during the 2020-21 academic year, you have a chance to win $1,500 to help with school expenses.
For more information, visit www.otipinsurance.com/article66.
Tips to give you peace of mind during your March break vacation
A March break family vacation is a great time to build lasting memories, strengthen family bonds and escape from normal day-to-day life. When you’re getting ready for a vacation, make sure you’re also taking steps to give yourself peace of mind while you’re away by protecting your home and car. Follow the tips below to ensure you have the important things covered before you hit the road! For more information, visit www.otipinsurance.com/article63.
A March break family vacation is a great time to build lasting memories, strengthen family bonds and escape from normal day-to-day life. When you’re getting ready for a vacation, make sure you’re also taking steps to give yourself peace of mind while you’re away by protecting your home and car. Follow the tips below to ensure you have the important things covered before you hit the road! For more information, visit www.otipinsurance.com/article63.
What life changes do I need to tell my auto and home insurer about?
Got a new job, moved into a new home or sold your car? Your insurance broker may not be the first person you think to discuss your life changes with, but in certain cases it’s important to notify them as soon as possible. This is because many life changes can impact your insurance premiums. In some cases, a failure to notify your insurance broker within the time period indicated on your policy could result in one of several penalties, including your insurer’s decision not to renew your policy. For more information, visit www.otipinsurance.com/article62.
Got a new job, moved into a new home or sold your car? Your insurance broker may not be the first person you think to discuss your life changes with, but in certain cases it’s important to notify them as soon as possible. This is because many life changes can impact your insurance premiums. In some cases, a failure to notify your insurance broker within the time period indicated on your policy could result in one of several penalties, including your insurer’s decision not to renew your policy. For more information, visit www.otipinsurance.com/article62.
How you can benefit from smart home technology
With recent advancements in technology, smart home devices have become more accessible to homeowners than ever before. Now you can control the temperature, locks or lighting in your home with the touch of a finger or simple voice command. Whether you’re interested in enhancing your home security, saving money on your energy bills or expanding your home entertainment system, smart home technology can assist you.
For more information, visit www.otipinsurance.com/article60.
With recent advancements in technology, smart home devices have become more accessible to homeowners than ever before. Now you can control the temperature, locks or lighting in your home with the touch of a finger or simple voice command. Whether you’re interested in enhancing your home security, saving money on your energy bills or expanding your home entertainment system, smart home technology can assist you.
For more information, visit www.otipinsurance.com/article60.
If I’m not at fault in a car accident, do I have to pay my deductible?
If you’re in a car accident and your insurance provider determines that you were not at fault, one of the first questions you probably have is “If it wasn’t my fault, do I have to pay a deductible?” Although each situation is unique and there is no quick and easy answer, here are a few factors that can determine whether you will have to pay.
For more information, visit www.otipinsurance.com/article59.
If you’re in a car accident and your insurance provider determines that you were not at fault, one of the first questions you probably have is “If it wasn’t my fault, do I have to pay a deductible?” Although each situation is unique and there is no quick and easy answer, here are a few factors that can determine whether you will have to pay.
For more information, visit www.otipinsurance.com/article59.
Planning to build a backyard ice rink? Skate smoothly with these safety tips
Building a backyard rink can provide hours of winter fun for you, your family and friends. Whether you’re teaching your son to skate, lacing up for some after-work exercise or teaching your daughter how to perfect her slapshot, a backyard ice rink will help you make the most of the winter months. But building a winter rink also comes with the responsibility of maintaining it and watching out for safety hazards. Here are a few tips to keep your family and friends safe on the ice.
For more information, visit www.otipinsurance.com/article56.
Building a backyard rink can provide hours of winter fun for you, your family and friends. Whether you’re teaching your son to skate, lacing up for some after-work exercise or teaching your daughter how to perfect her slapshot, a backyard ice rink will help you make the most of the winter months. But building a winter rink also comes with the responsibility of maintaining it and watching out for safety hazards. Here are a few tips to keep your family and friends safe on the ice.
For more information, visit www.otipinsurance.com/article56.
10 snowmobile safety tips to keep in mind before hitting the trails this winter
Now that winter is here in full force, many Canadians are looking forward to hitting the snowmobile trails and gliding over kilometre after kilometre of fresh snow. Depending on where you live, snowmobiling may be more than a recreational activity. In some rural locations, snowmobiles also serve as a valuable mode of transportation. Whether you snowmobile for fun, or to get from one point to another, there are essential safety considerations to keep in mind before heading out.
For more information, visit www.otipinsurance.com/article58.
Now that winter is here in full force, many Canadians are looking forward to hitting the snowmobile trails and gliding over kilometre after kilometre of fresh snow. Depending on where you live, snowmobiling may be more than a recreational activity. In some rural locations, snowmobiles also serve as a valuable mode of transportation. Whether you snowmobile for fun, or to get from one point to another, there are essential safety considerations to keep in mind before heading out.
For more information, visit www.otipinsurance.com/article58.
12 tips for safer holiday home decorating
For many, the holidays are a joyous and busy time of year. Between entertaining guests, decorating your home and shopping for gifts, it’s easy to get wrapped up (no pun intended) in the holiday cheer – leaving safety as one of the last things on your mind. However, certain holiday decorations can introduce new risks into your home that you need to be aware of and plan for. Before you start ‘decking the halls’ this holiday season, here are twelve practical safety tips you should follow to keep you, your home, and your loved ones safe.
For more information, visit www.otipinsurance.com/article55.
For many, the holidays are a joyous and busy time of year. Between entertaining guests, decorating your home and shopping for gifts, it’s easy to get wrapped up (no pun intended) in the holiday cheer – leaving safety as one of the last things on your mind. However, certain holiday decorations can introduce new risks into your home that you need to be aware of and plan for. Before you start ‘decking the halls’ this holiday season, here are twelve practical safety tips you should follow to keep you, your home, and your loved ones safe.
For more information, visit www.otipinsurance.com/article55.
10 items you need in your car emergency kit
The colder days of winter are a great reminder to re-stock your car’s emergency kit—it’s important to be prepared in case something goes wrong. If your car gets stuck in snow or you get into an accident, you might have to wait for help to arrive due to bad weather, even if you have roadside assistance. The following car emergency kit items could help you if the unexpected happens.
Learn more at www.otipinsurance.com/article54
The colder days of winter are a great reminder to re-stock your car’s emergency kit—it’s important to be prepared in case something goes wrong. If your car gets stuck in snow or you get into an accident, you might have to wait for help to arrive due to bad weather, even if you have roadside assistance. The following car emergency kit items could help you if the unexpected happens.
Learn more at www.otipinsurance.com/article54
How To Protect Your Family From Deadly, Invisible Gases
Radon and carbon monoxide are poisonous gases that are odourless, colourless and tasteless, making them threats to the safety of your home. Exposure to high levels of radon is the leading cause of lung cancer in non-smokers, causing over 3,200 Canadian deaths each year1 . Carbon monoxide is the leading cause of fatal poisonings in North America. By following the steps below and taking the proper precautions, you can help protect your home and family from these deadly gases.
To learn more, click here: www.otipinsurance.com/article51
Radon and carbon monoxide are poisonous gases that are odourless, colourless and tasteless, making them threats to the safety of your home. Exposure to high levels of radon is the leading cause of lung cancer in non-smokers, causing over 3,200 Canadian deaths each year1 . Carbon monoxide is the leading cause of fatal poisonings in North America. By following the steps below and taking the proper precautions, you can help protect your home and family from these deadly gases.
To learn more, click here: www.otipinsurance.com/article51
10 Common Car Insurance Myths Debunked
MYTH: The type of car I drive has no impact on my insurance rates.
FACT: Yes, the type of car that you drive does indeed influence your car insurance rates.
Learn more at www.otipinsurance.com/article49
MYTH: The type of car I drive has no impact on my insurance rates.
FACT: Yes, the type of car that you drive does indeed influence your car insurance rates.
Learn more at www.otipinsurance.com/article49
Not sure what to do if you get into a car accident?
Follow these 5 steps
It’s just another day and you’re driving to work, picking up your kids, buying groceries, or viiting family when it happens—a car accident. After screeching to a halt, your adrenaline is pumping, your heart is racing, and your palms are sweating. When you’re in a panic it can be tricky to know what to do. By reviewing these steps now, you’ll be ready to jump into action if the time comes.
To learn more, click here: www.otipinsurance.com/article48
Follow these 5 steps
It’s just another day and you’re driving to work, picking up your kids, buying groceries, or viiting family when it happens—a car accident. After screeching to a halt, your adrenaline is pumping, your heart is racing, and your palms are sweating. When you’re in a panic it can be tricky to know what to do. By reviewing these steps now, you’ll be ready to jump into action if the time comes.
To learn more, click here: www.otipinsurance.com/article48
Home Fire Safety
No one wants to lose their home or possessions due to a house fire. It is a devastating event that can take months – or even years to recover from. Fire awareness week is October 6 to 12, and is a good time to learn more about preventing and recovering from house fires. Most house fires seem to occur between November and March1, making October a great time to enhance your knowledge. Staying mindful and alert to any potential dangers in your home is the key to preventing a fire before it starts.
To learn more, click here: www.otipinsurance.com/article46
No one wants to lose their home or possessions due to a house fire. It is a devastating event that can take months – or even years to recover from. Fire awareness week is October 6 to 12, and is a good time to learn more about preventing and recovering from house fires. Most house fires seem to occur between November and March1, making October a great time to enhance your knowledge. Staying mindful and alert to any potential dangers in your home is the key to preventing a fire before it starts.
To learn more, click here: www.otipinsurance.com/article46
School bus safety: how not abiding by the rules of the road can affect your insurance rates
Did you know that a single infraction involving a school bus can affect your car insurance premiums? Road safety, especially related to school buses and children, is very important. This importance is reflected in insurance company policies, which penalize drivers who do not exercise proper caution around children. The best course of action is to familiarize yourself with the rules of the road, and to remain vigilant around school zones and buses.
To learn more, click here: www.otipinsurance.com/article43
Water Damage: What You Need to Know
Water damage can be dangerous, not only to the integrity of your home, but also to your health. It is important to know how to prevent water damage, as well as how to recover from it. Any dwelling has the potential to experience leaks, which could cause damage to your flooring, drywall and belongings; not to mention harmful mold that can take root and cause health issues.
To learn more, click here: www.otipinsurance.com/article45
Water damage can be dangerous, not only to the integrity of your home, but also to your health. It is important to know how to prevent water damage, as well as how to recover from it. Any dwelling has the potential to experience leaks, which could cause damage to your flooring, drywall and belongings; not to mention harmful mold that can take root and cause health issues.
To learn more, click here: www.otipinsurance.com/article45