Toronto Dominion | thesil.ca

Holiday travel plans can bring us together with family and loved ones. However, because winter weather in Canada can be extreme, it’s important to take a few precautions before you hit the road so you arrive safe and sound.

The York Regional Police, based just north of Toronto, have provided a few tips to help keep you safe on the roads.

Traveling in a winter wonderland

Weathering the conditions: Double-check the weather conditions before heading out. Weather can be severe and change quickly, so it’s extremely important to know the latest weather and traffic conditions, and to leave yourself plenty of time to arrive safely.

Get road-ready: Ensure your vehicle is prepared for the winter. Investing in winter tires is a good place to start. Top-up windshield fluids and antifreeze, ensure you have enough gas for every journey, and update your car’s emergency kit. Clear snow and ice from the windshield and mirrors, as well as from the top of the car and from wheel-wells to increase safety for other drivers.

Buckle up: Always wear your seatbelt, and make sure all of your passengers do too. While this may seem obvious as it's the law, it’s also the most important safety consideration no matter the road conditions.

Eyes on the road: Drive slowly and be aware of other motorists and road hazards. Winter roadways can feature big snow-removal vehicles and sand/salt-trucks, as well as distracted drivers and crosswalks full of pedestrians with arm-loads of gifts! Take the necessary precautions and make sure you’re always in control of your vehicle.

Arrive alive: The holidays are all about good times with family and friends. Don’t drink and drive.

Plan for the best, prepare for the worst

Icy roads, limited visibility, Top 40 Radio…lots of things can impact your time on the road this winter. If you are involved in a fender-bender this season, remember to contact local police immediately if your collision involves:

Injury to you, your passenger, a pedestrian, cyclist, or someone in another vehicle
Any suspected criminal activity such as impaired driving
Any damage to property such as a parked car

View original article from TD Insurance.

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[spacer height="20px"][button link="https://www.tdinsurance.com/products-services/home-insurance/tips-advice/renters-insurance-101?campaignid=amg" color="green"] Read Original TD Article[/button]

According to Statistics Canada, less than half of renters in Canada have renter’s insurance¹ (also known as tenant or contents insurance).

We often think of home insurance as protecting the big stuff—like pipes, appliances, and the physical structure of the home or building. If you are renting, your landlord may have his or her own insurance policy to cover these kinds of items. But their insurance will not cover your personal belongings, such as furniture, jewellery, or entertainment equipment. Your landlord’s insurance will also not protect you if someone is injured on your property.

That’s where renter’s insurance comes in. Renter’s insurance could protect you from liability if guests injure themselves in your home. Renter's insurance could also help replace your possessions in the event of a loss or damage due to a covered risk. Speak to an Advisor to see how we can tailor your insurance to fit your needs.

Let’s start by understanding the importance of liability insurance.

Accidents happen and sometimes those accidents can be quite costly.

For example, a candle in your apartment could cause a fire. If that candle affects other units, you may be deemed responsible to pay for damages to your rental unit.

Or, if someone trips and falls in your apartment, you could be held financially responsible for the cost of medical expenses and lost wages.

Liability insurance could protect you in the event of a lawsuit, and help you cover the cost of any damages.

Next you need to understand a few basic terms:

All-Risk insures your building and contents for losses due to the widest range of perils (or risks), unless specifically excluded from your policy like intentional damage
Personal Liability insurance protects you for unintentionally injuring someone or damaging their property and have to pay damages (example: someone has a slip and fall on your walkway, breaks his/her leg and now cannot work for a period of time)
Contents Insurance covers your belongings (including when you travel) for losses resulting from the most common types of perils (or risks) up to a specified amount
Replacement Cost Coverage means that the contents of your home are insured for the amount it costs to replace them without depreciation
Additional Living Expenses Coverage will help you pay for reasonable and necessary expenses (like hotel and food costs) in the situation you are forced to leave your home following an insured peril (or risk) for a period of time

Find the home insurance coverage that best fits your needs

[button link="https://www.tdinsurance.com/quote/home/ontario?quoter=property&website_id=generic&AID=mmi_embperl_quoter&company_name=TDI&brand=TDCT&language=EN&rg=7001&product=HOME&transactiontype=NEWQUOTE&pdtype=tenant" color="orange" newwindow="yes"] Get a Renter's Insurance Quote[/button]

^{[spacer height="20px"]1}Home Insurance Spending in Canada in 2008, Statistics Canada, 2009, Ottawa, Ont.: Statistics Canada.

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