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September 2022
Reflections on a new school year
Summer days are getting shorter, and the evenings are getting cooler. Before you know it, you are at the mall for "back to school shopping” for you and your family, and maybe even for the classroom. As you prepare for the new school year, you may be thinking and finding ways to re-engage, refresh, and re-imagine what the new school year will bring, and how you can best enhance or support the learning experience for students in your community. Fall is also a good time to take stock of your own personal goals including those that support your health, wellness and financial security. As members of the Ontario education community, you also have access to exclusive contests, promotions and special offers, including Edvantage--your exclusive savings program.
Read on to learn more about what OTIP has to offer you at: www.otip.com/article149
Summer days are getting shorter, and the evenings are getting cooler. Before you know it, you are at the mall for "back to school shopping” for you and your family, and maybe even for the classroom. As you prepare for the new school year, you may be thinking and finding ways to re-engage, refresh, and re-imagine what the new school year will bring, and how you can best enhance or support the learning experience for students in your community. Fall is also a good time to take stock of your own personal goals including those that support your health, wellness and financial security. As members of the Ontario education community, you also have access to exclusive contests, promotions and special offers, including Edvantage--your exclusive savings program.
Read on to learn more about what OTIP has to offer you at: www.otip.com/article149
Is water damage covered by car insurance?
With floods claiming the top spot for Canada’s most frequent natural hazard, and average annual precipitation increasing nationwide, many Canadian car owners are wondering how far their coverage extends when it comes to protecting their vehicles from water damage.
Whether or not your vehicle is covered for water-related damage depends on your insurance policy and how the damage occurred.
Read more at www.otip.com/article150
With floods claiming the top spot for Canada’s most frequent natural hazard, and average annual precipitation increasing nationwide, many Canadian car owners are wondering how far their coverage extends when it comes to protecting their vehicles from water damage.
Whether or not your vehicle is covered for water-related damage depends on your insurance policy and how the damage occurred.
Read more at www.otip.com/article150
Securing what matters – 5 security tips to make your car theft proof
You may be thinking that your new vehicle is already equipped with the latest security features – and that might be the case – but in reality a lot of basic features aren’t deterring criminals from accessing your car. With rising incidents of theft, especially to newer vehicles, have you wondered if your security was compromised? Here are 5 security tips to make your car more secure against theft.
Read more at www.otip.com/article151.
You may be thinking that your new vehicle is already equipped with the latest security features – and that might be the case – but in reality a lot of basic features aren’t deterring criminals from accessing your car. With rising incidents of theft, especially to newer vehicles, have you wondered if your security was compromised? Here are 5 security tips to make your car more secure against theft.
Read more at www.otip.com/article151.
June 2022
3 ways to safely tow a car behind your RV
RVs are a great way to explore the beautiful natural landscapes Canada has to offer without giving up the comforts of home. However, while RVs provide comfort and flexibility on the road, they’re not ideal for exploring parks, driving around city or residential streets, or finding a parking space. Let’s look at the three methods you can choose from to safely tow a vehicle behind your RV.
Read more at: www.otip.com/article146
RVs are a great way to explore the beautiful natural landscapes Canada has to offer without giving up the comforts of home. However, while RVs provide comfort and flexibility on the road, they’re not ideal for exploring parks, driving around city or residential streets, or finding a parking space. Let’s look at the three methods you can choose from to safely tow a vehicle behind your RV.
Read more at: www.otip.com/article146
Catalytic converter theft:
What is it and what can you do to prevent it
In recent years, Canada has seen an alarming rise in the theft of catalytic converters, particularly since the start of the pandemic. Let’s take a look at what a catalytic converter is, why thieves are targeting it, and what you can do to protect yourself against catalytic converter theft.
Read more at: www.otip.com/article147
What is it and what can you do to prevent it
In recent years, Canada has seen an alarming rise in the theft of catalytic converters, particularly since the start of the pandemic. Let’s take a look at what a catalytic converter is, why thieves are targeting it, and what you can do to protect yourself against catalytic converter theft.
Read more at: www.otip.com/article147
Renovations that you should call your insurance broker about
If you’re like many other Canadian homeowners who have recently come out of the pandemic, chances are you have either completed some type of renovation or have something planned in the future. Here’s a list of situations that are important to review with your broker ahead of time.
Read more at: www.otip.com/article148
If you’re like many other Canadian homeowners who have recently come out of the pandemic, chances are you have either completed some type of renovation or have something planned in the future. Here’s a list of situations that are important to review with your broker ahead of time.
Read more at: www.otip.com/article148
May 2022
Do electric vehicles need maintenance?
With the rising cost of fuel and the growing movement for a more sustainable future, electric vehicles (EVs) can seem like a win-win for the planet and your bank account. But how do electric vehicles compare to conventional gasoline-powered vehicles when it comes to maintenance?
Read more at www.otip.com/article144.
With the rising cost of fuel and the growing movement for a more sustainable future, electric vehicles (EVs) can seem like a win-win for the planet and your bank account. But how do electric vehicles compare to conventional gasoline-powered vehicles when it comes to maintenance?
Read more at www.otip.com/article144.
Impact of climate change on home insurance
Both insurers and homeowners need to consider the impact climate change will have on the future of insurance, and what they can do now to prepare for climate change-related risks. Here are steps homeowners can take to protect their homes from extreme weather conditions.
Read more at www.otip.com/article143.
Both insurers and homeowners need to consider the impact climate change will have on the future of insurance, and what they can do now to prepare for climate change-related risks. Here are steps homeowners can take to protect their homes from extreme weather conditions.
Read more at www.otip.com/article143.
What is usage-based insurance and is it right for you?
Wondering if usage-based car insurance is right for you? We’ve put together a guide to help break down the frequently asked questions of UBI programs.
Read more at www.otip.com/article145.
Wondering if usage-based car insurance is right for you? We’ve put together a guide to help break down the frequently asked questions of UBI programs.
Read more at www.otip.com/article145.
April 2022
Spring is in the air – Road trip!
Ontario is a big province with lots to offer—from beautiful nature scenes to bustling city centres. Check out these Ontario road trip ideas that guarantee fun for all ages.
Read more at www.otip.com/article141.
Ontario is a big province with lots to offer—from beautiful nature scenes to bustling city centres. Check out these Ontario road trip ideas that guarantee fun for all ages.
Read more at www.otip.com/article141.
Will a speed camera ticket make my insurance rate go up?
You arrive home after a long day of work and check your mailbox. Inside, you find a ticket from a speed camera with a photo of your vehicle driving above the posted limit. Let’s address some commonly asked questions about speed camera tickets.
Read more at www.otip.com/article142.
You arrive home after a long day of work and check your mailbox. Inside, you find a ticket from a speed camera with a photo of your vehicle driving above the posted limit. Let’s address some commonly asked questions about speed camera tickets.
Read more at www.otip.com/article142.
I’m moving: what should I do about my home insurance policy?
Take a look at the moving and home insurance frequently asked questions inside so that you can look forward to making memories in your new home, confident that you have the coverage you need.
Read more at www.otip.com/article140.
Take a look at the moving and home insurance frequently asked questions inside so that you can look forward to making memories in your new home, confident that you have the coverage you need.
Read more at www.otip.com/article140.
March 2022
Before, during, and after: Driving through a Canadian blizzard
There’s no denying that Canadian winters are beautiful. But when you have to get in your car and hit the road, that picturesque snow globe we call home can start to look a little less sparkly. Take some practical precautions before, during, and after each winter drive or road trip to make sure you (and your vehicle) arrive safe and sound.
Read more at: https://otip.com/article139.
There’s no denying that Canadian winters are beautiful. But when you have to get in your car and hit the road, that picturesque snow globe we call home can start to look a little less sparkly. Take some practical precautions before, during, and after each winter drive or road trip to make sure you (and your vehicle) arrive safe and sound.
Read more at: https://otip.com/article139.
How to choose the right vehicle
When it comes to finding the right car for you, there are pros and cons to both new and used vehicles — but ultimately, your decision will likely come down to budget and your driving habits. So how do you choose the right vehicle for yourself? Consider these factors before deciding.
Read more at: www.otip.com/article138.
When it comes to finding the right car for you, there are pros and cons to both new and used vehicles — but ultimately, your decision will likely come down to budget and your driving habits. So how do you choose the right vehicle for yourself? Consider these factors before deciding.
Read more at: www.otip.com/article138.
Does my car insurance policy cover rental cars?
You’ve got the keys to your new rental car and are excited to put it in gear to officially mark the start of your vacation. But before you drive off into the sunset, ensure you have the coverage you need. We’ll walk you through each insurance option to help you find the coverage that’s right for you and your next trip.
Read more at: https://otip.com/article137.
You’ve got the keys to your new rental car and are excited to put it in gear to officially mark the start of your vacation. But before you drive off into the sunset, ensure you have the coverage you need. We’ll walk you through each insurance option to help you find the coverage that’s right for you and your next trip.
Read more at: https://otip.com/article137.
February 2022
Self-driving vehicles and the future of car insurance in Canada.
While fully automated self-driving vehicles are not yet available to the Canadian public, Ontario’s automated vehicle pilot program to test driverless vehicles on public roadways is already well underway. With the future of autonomous vehicles already here, many drivers are wondering what impact advanced vehicle technology will have on their car insurance. Here’s what you need to know.
Read more at: www.otip.com/article134
While fully automated self-driving vehicles are not yet available to the Canadian public, Ontario’s automated vehicle pilot program to test driverless vehicles on public roadways is already well underway. With the future of autonomous vehicles already here, many drivers are wondering what impact advanced vehicle technology will have on their car insurance. Here’s what you need to know.
Read more at: www.otip.com/article134
Leasing vs. buying a car: What’s best for me?
Both leasing and buying have their benefits and drawbacks, so the right choice all depends on your budget, driving needs and lifestyle. We’ve outlined some of the key factors to consider when deciding between leasing versus buying your next vehicle to help you determine which option is best for you.
Read more at: www.otip.com/article135
Both leasing and buying have their benefits and drawbacks, so the right choice all depends on your budget, driving needs and lifestyle. We’ve outlined some of the key factors to consider when deciding between leasing versus buying your next vehicle to help you determine which option is best for you.
Read more at: www.otip.com/article135
Lock it up!
Safety features are an important part of every home. Locks, specifically, are the best way to keep your home safe and secure from unwanted “guests.” Different doors require different types of locks. Let’s review some basic and high-tech models to help you decide what kind of locks fit your needs the best.
Read more at: www.otip.com/article136
Lock it up!
Safety features are an important part of every home. Locks, specifically, are the best way to keep your home safe and secure from unwanted “guests.” Different doors require different types of locks. Let’s review some basic and high-tech models to help you decide what kind of locks fit your needs the best.
Read more at: www.otip.com/article136
January 2022
Does my home insurance cover items in storage?
Whether you’re in the middle of a move, downsizing, hanging on to a loved one’s belongings, or just looking to free up some space at home, you might find yourself storing items in an offsite storage unit. Whatever the reason, the items you’ve chosen to store are likely important to you. That’s why it’s equally important to know that your precious belongings have the proper coverage to repair or replace them if they were damaged or stolen while in storage.
Read more at www.otipinsurance.com/article133
Whether you’re in the middle of a move, downsizing, hanging on to a loved one’s belongings, or just looking to free up some space at home, you might find yourself storing items in an offsite storage unit. Whatever the reason, the items you’ve chosen to store are likely important to you. That’s why it’s equally important to know that your precious belongings have the proper coverage to repair or replace them if they were damaged or stolen while in storage.
Read more at www.otipinsurance.com/article133
In-house auto & property claims service makes a difference for our members
There are many variables in your daily life that you may not be able to control but when the unexpected happens to you on the road or at home, know that the Curo claims team will have your back. For over 12 years, OTIP has partnered with CURO Claims Services and as a result, members like you have raved about their experience.
Read more at www.otipinsurance.com/article132
There are many variables in your daily life that you may not be able to control but when the unexpected happens to you on the road or at home, know that the Curo claims team will have your back. For over 12 years, OTIP has partnered with CURO Claims Services and as a result, members like you have raved about their experience.
Read more at www.otipinsurance.com/article132
Planning to rent out your basement apartment?
Renting out your basement is a great way to test the waters and make some extra money without the upfront cost of purchasing a rental property. We are here to provide you with some helpful tips that may encourage you to take on the initiative. #OTIPUpdate
Read more at www.otipinsurance.com/article131
Renting out your basement is a great way to test the waters and make some extra money without the upfront cost of purchasing a rental property. We are here to provide you with some helpful tips that may encourage you to take on the initiative. #OTIPUpdate
Read more at www.otipinsurance.com/article131
November 2021
What is usage-based insurance and is it right for you?
Usage-based insurance (UBI), also known as pay-as-you-drive insurance, has recently spiked in popularity amongst Canadian drivers who find themselves driving less since the arrival of COVID-19. More drivers are looking for a way to be rewarded for their good driving habits. Wondering if usage-based car insurance is right for you? We’ve put together a guide to help break down the FAQs of UBI programs.
Learn more at https://otipinsurance.com/article129.
Usage-based insurance (UBI), also known as pay-as-you-drive insurance, has recently spiked in popularity amongst Canadian drivers who find themselves driving less since the arrival of COVID-19. More drivers are looking for a way to be rewarded for their good driving habits. Wondering if usage-based car insurance is right for you? We’ve put together a guide to help break down the FAQs of UBI programs.
Learn more at https://otipinsurance.com/article129.
How to maintain a vehicle you don’t drive often
From decreasing your commute to putting your car in storage for the season, there are plenty of reasons why you might not be driving your vehicle as often as you used to. But don’t let it sit collecting dust — follow these steps to maintain your car and keep it ready to hit the road!
Learn more at https://otipinsurance.com/article128.
From decreasing your commute to putting your car in storage for the season, there are plenty of reasons why you might not be driving your vehicle as often as you used to. But don’t let it sit collecting dust — follow these steps to maintain your car and keep it ready to hit the road!
Learn more at https://otipinsurance.com/article128.
Home insurance 101 for homeowners and renters
The word “home” means something different to everyone. Whether home is a detached house, a duplex, a townhouse, or a condo, it’s important to ensure that your home and belongings are protected. We’ve put together a quick guide to help you determine what type of insurance policy is best suited for you and your home.
Learn more at https://otipinsurance.com/article127.
The word “home” means something different to everyone. Whether home is a detached house, a duplex, a townhouse, or a condo, it’s important to ensure that your home and belongings are protected. We’ve put together a quick guide to help you determine what type of insurance policy is best suited for you and your home.
Learn more at https://otipinsurance.com/article127.
October 2021
What’s behind the increased cost of auto insurance claims?
With the average cost of auto insurance claims on the rise, many drivers are wondering what’s behind the increase and if there’s any relief in sight. Here’s a breakdown of two key factors that are behind the rising cost of auto insurance claims in recent years.
Learn more at https://www.otipinsurance.com/article124.
With the average cost of auto insurance claims on the rise, many drivers are wondering what’s behind the increase and if there’s any relief in sight. Here’s a breakdown of two key factors that are behind the rising cost of auto insurance claims in recent years.
Learn more at https://www.otipinsurance.com/article124.
5 things you can do now to prepare your home for winter
Now that fall is officially here, many Canadians are busy enjoying all that the season has to offer. Between admiring the colour-changing leaves on a cool evening stroll and baking pies made with freshly picked apples, prepping for winter may be at the bottom of your fall to-do list. However, using the last of the year’s warmer weather to prepare your home for winter cold could spare you a lot of trouble once the weather starts to turn. Here are five things you can do in the fall to get your home ready for winter.
Learn more at https://www.otipinsurance.com/article126.
Now that fall is officially here, many Canadians are busy enjoying all that the season has to offer. Between admiring the colour-changing leaves on a cool evening stroll and baking pies made with freshly picked apples, prepping for winter may be at the bottom of your fall to-do list. However, using the last of the year’s warmer weather to prepare your home for winter cold could spare you a lot of trouble once the weather starts to turn. Here are five things you can do in the fall to get your home ready for winter.
Learn more at https://www.otipinsurance.com/article126.
Roundabouts don’t have to be scary
October usually brings images of ghosts, goblins, skeletons and other classic “spooky season” frights. If driving through a roundabout is on your list of “spooky” things, read on. While roundabouts have become increasingly popular in Canada over the years, they still make up only a small fraction of the country’s intersections and continue to leave many Canadian drivers apprehensive. But navigating a roundabout doesn’t have to be scary!
Learn more at https://www.otipinsurance.com/article125
October usually brings images of ghosts, goblins, skeletons and other classic “spooky season” frights. If driving through a roundabout is on your list of “spooky” things, read on. While roundabouts have become increasingly popular in Canada over the years, they still make up only a small fraction of the country’s intersections and continue to leave many Canadian drivers apprehensive. But navigating a roundabout doesn’t have to be scary!
Learn more at https://www.otipinsurance.com/article125
September 2021
Protect Yourself Against Insurance Fraud
Simply put, the impact of fraud on the car insurance industry is staggering. It’s easy to dismiss insurance fraud as something that will never impact you, but in reality, it ends up costing insurers $1.6 billion each year. These costs ultimately are paid for by the insurance company and the policyholders – many of which are completely innocent.1 Can you believe that on average, $236 of your annual car insurance premium goes towards paying for the illegal activities of fraudsters?1 Being informed and learning how to recognize fraud is one way to help reduce these costs.
Learn more at https://www.otipinsurance.com/article122.
Simply put, the impact of fraud on the car insurance industry is staggering. It’s easy to dismiss insurance fraud as something that will never impact you, but in reality, it ends up costing insurers $1.6 billion each year. These costs ultimately are paid for by the insurance company and the policyholders – many of which are completely innocent.1 Can you believe that on average, $236 of your annual car insurance premium goes towards paying for the illegal activities of fraudsters?1 Being informed and learning how to recognize fraud is one way to help reduce these costs.
Learn more at https://www.otipinsurance.com/article122.
5 Steps to Building the Perfect Backyard Oasis
Spending more time at home during the pandemic has caused many Canadians to start dreaming about backyard renovations. In 2021, Canadians are projected to spend a collective $76 billion on renovations, up from $60 billion in pre-pandemic years.1
Whether you’re adding or renovating a fence, patio, swimming pool, deck or landscaping, crafting your own personal backyard oasis can be an exciting project. Before you start, here are a few tips to keep in mind to make your project run smoothly.
Learn more at https://www.otipinsurance.com/article121.
Spending more time at home during the pandemic has caused many Canadians to start dreaming about backyard renovations. In 2021, Canadians are projected to spend a collective $76 billion on renovations, up from $60 billion in pre-pandemic years.1
Whether you’re adding or renovating a fence, patio, swimming pool, deck or landscaping, crafting your own personal backyard oasis can be an exciting project. Before you start, here are a few tips to keep in mind to make your project run smoothly.
Learn more at https://www.otipinsurance.com/article121.