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Latest News from Al Hattie Insurance

Insurance Truths Tuesday

posted by Al Hattie Insurance    |   November 14, 2017 09:56

We know there are many myths & truths of insurance floating around out there & we are here to try and help bring some clarity to the issue!

 

#TruthsTuesday

 

Having Great Credit Can Benefit Your Home Insurance Rates

 

The insurance companies (currently SGI Canada & Wawanesa Mutual) have designed this new method to try to give consumers another opportunity for discounting their home insurance rates.

We need two requirements to apply the discount:

1.      Express consent- For our client’s convenience, we are capable of accepting consent or withdrawal of credit score discounts verbally.

2.      The second type of information required is your legal full name and full date of birth, this information in most cases has already been obtained in the past for other insurance purposes.


Start saving more!

Lots of our customers have utilized this discount by taking those savings and purchasing additional coverage's such as, the newly introduced Flood Coverage. New this year to the personal homeowner’s line of insurance.

A little run down of how it works; once we have obtained your consent, the score is electronically requested from our credit score provider, depending on which insurance company you are with could either be TransUnion or Equifax. Credit score is then sent from the credit bureau through a secure data transmission channel and is automatically applied to the calculation of your premium. Your consent is kept and collected until or if you withdrawal that consent, and therefore annually the insurance company will access your credit score just before the renewal of your policy. We have been reassured by the insurance companies that this will not impact your credit rating.

To top off all this great news, Wawanesa Mutual has recently increased the credit score maximum possible discount, now allowing for an even greater discount.

*Your rates will not go up if you have an unfavorable credit score.


Privacy

At Al Hattie Insurance, we take your privacy very seriously. Our clients privacy is an office practice we have taken very seriously before credit scoring even came into play. We cannot see and do not have access to your credit score information. That information is restricted to only limited employees of the insurance companies who only access it in order to do their job.


Some Tips to Improve your Credit Score:

v  Always pay your bills on time.

v  Try to pay your bills in full by the due date. If you aren’t able to, pay at least the minimum amount shown on your monthly statement

v  Try to pay down your debts as quickly as possible

v  Don’t go over the credit limit on your credit card. Try to keep the balance well below the limit, as the higher the balance the more impact it has on your credit score.

v  Reduce the number of credit applications you make.

 

v  Make sure you have a credit history. Your credit score may be low because you don’t have a record of owing money and paying it back. You can build a credit history by using a credit card as long as you use it

Insurance Myths Mondays

posted by Al Hattie Insurance    |   November 10, 2016 10:23

We know there are many myths & truths of insurance floating around out there & we are here to try and help bring some clarity to the issue!

#MythsMondays

Travel Insurance Doesn't Pay Out!

Insurance is a means of protection from financial loss. Insurance companies exist in order to help mitigate unforeseen and sudden events thus protecting the insured's financial well-being upon the occurrence of a specific event, specified loss, damage, illness, or death in return for payment of a premium. In the case of one of our travel insurance providers, Allianz Global Assistance, they have an excellent track record in Canada, with exceptionally low claim denial rates. In 2015, AGA recorded a 92.5% payout rate. Clients are best encouraged to carefully read their travel insurance policy to understand the benefits, exclusions and limitations. When you have questions, WE are the reliable source and trusted expert to provide clarification. We also carry many providers to meet a wide variety of clients needs. To name the major carriers we have, Saskatchewan Blue Cross, Group Medical Services, & Allianz Global Assistance.

Brace yourselves... Winter is coming!

posted by Al Hattie Insurance    |   August 19, 2016 16:12

This morning we all felt it! Brace yourselves, winter is coming! To get prepared we have made a short list of some tips for winterizing your home this year!

-Clean or replace your furnace air filters each month during the heating season.

-If you are going away for the winter, for any duration of time, you must contact your broker to confirm you are meeting your insurance companies guidelines to ensure proper coverage is still in place.

-To help allow for good air circulation in your attic, ensure it has proper ventilation, so that hot air doesn’t get trapped in the rafters, melting the bottom layer of the snow on the roof. This is also a good time to confirm with your broker that your policy covers for ICE DAMMING as not all policies cover that!

-As a homeowner, make sure you know where to find your water shut off valve, in case of emergencies quick action could potentially save you from major damage to your home.

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Saskplates.com - Your Saskatchewan Insurance Online

posted by Al Hattie Insurance    |   March 17, 2016 11:32

Plates expire? Licence expire? Sitting on the side of the road with an unregistered vehicle? 

 

Did you know Saskplates.com can get you back and on the road in no time, even from a mobile or tablet device? Set-up your account today through www.Saskplates.com and don't get left on the side of the road.


It's even simpler now! If you have an active SGI policy you can set up your account directly on the website without having to call us. 

 

Here are some of the many transactions you can now do online from your home computer or mobile device through Saskplates.com:

- vehicle registration

- plate cancellation

- driver's licence renewal (non-photo)

- address and personal information changes

- print vehicle registrations

- get quotes on Auto, Home, Condo, Tenant Paks and more!

- make payments

- pay your receivables

 

You can also contact US about any of your insurance needs! Phone 1-888-450-2700, email us at broker@alhattieinsurance.ca, or come by for a visit at our office located at 3020C Arlington Ave, Saskatoon, Saskatchewan.

 

Blades Autographed Jersey Raffle Winner!

posted by Al Hattie Insurance    |   April 13, 2015 15:31

We have a winner! Agnes Hyde was drawn out of the raffle on April 12 to win an autographed Blades jersey. She will be entered in IBAS's province-wide contest for the grand prize of a ttrip for two to Quebec City to attend two games of the MasterCard Memorial Cup. Thanks to everyone who entered, the Blades hockey team, IBAS, the WHL, and good luck Agnes in the final draw for the tickets to Quebec City!

 

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Community

Learning From Losses: Collision With A Locomotive

posted by Al Hattie Insurance    |   March 30, 2015 07:00

LOCATION:
Rural Saskatchewan road

CAUSE OF LOSS:
Collision with a locomotive at an uncontrolled railroad crossing

COST OF LOSS:
Total paid/reserved: $650,000. (Trailer: $50,000; Property damage to train: $600,000;
Loss of earnings/business interruption due to damage to train tracks and locomotive: undetermined)
In December, the insured was driving a load of wheat to a terminal. Distracted, he drove through an
uncontrolled rail crossing. An approaching train split the trailer in half. The insured’s package policy
protected him for $1 million of liability, which covered the loss.

LESSONS LEARNED:
Avoid financial ruin by carrying the appropriate insurance coverage; for a minor cost (an extra $30 in
this case), you can protect yourself from unnecessary loss.

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Auto Insurance | Driver Safety

Learning From Losses: Head-On Collision

posted by Al Hattie Insurance    |   February 23, 2015 13:21

LOCATION:
Rural Saskatchewan highway


CAUSE OF LOSS:
Head-on collision

COST OF LOSS:
Total loss: $2.5 million. (Truck and horse trailer: $250,000; Property damage – horses, truck and
trailer: $2.5 million)

DETAILS OF LOSS:
A young son was driving his mother’s car on a rural Saskatchewan highway. He crossed the centre
line and collided with a semi-tractor trailer, causing the semi, trailer and cargo (competition horses)
to be deemed a total loss. The insured had basic plate coverage of $200,000 and $1 million liability
on the policy. Due to the special design of the trailer and its use, a large loss of use claim occurred.
As well, the horses were expensive animals and brought a large property damage claim of
$2.5 million. The insured was not covered for approximately $1.3 million of the claim.

LESSONS LEARNED:
Always carry the right amount of insurance for your protection – though basic plate insurance is
significant, it may be necessary to purchase more coverage to be fully protected from all losses. In
this case, for an additional $60, the total loss would have been covered.

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Auto Insurance

Learning from Losses: Electric Hair Straightener Fire

posted by Al Hattie Insurance    |   February 16, 2015 07:00

LOCATION:
Town home


CAUSE OF LOSS:
Fire caused by an electric hair straightener


COST OF LOSS:
$263,000


DETAILS OF LOSS:
The insureds’ daughter was the last to leave the home in the afternoon to go to work. When the
insureds’ arrived home later they noticed smoke coming from the windows. They went to neighbour’s
house and called the Fire Department. The dwelling and contents in the basement sustained heavy
fire damage, while the remainder of the home sustained smoke and water damage. The Fire
Commissioner investigated and determined the cause of the fire to be the hair straightener left on in
a bedroom located in the basement.


LESSONS LEARNED:
When using electric curling irons, hair straighteners or other appliances that generate heat, be sure
to unplug it after each use and place them in a secure position away from any flammable materials.
Never leave your home without checking to make sure any irons, curling irons, etc. are unplugged
and in a safe location.

 

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Condo Insurance | Home Insurance | Tenant Insurance

Do You Have A Record Of Your Belongings?

posted by Al Hattie Insurance    |   February 9, 2015 08:00

Do you have lots of STUFF? Whether you are a tenant, condo owner or homeowner having a record of your belongings will always come in handy in the case of a claim. And they're also kind of fun to fill out!

Keeping an up to date record will help you stay organized in the case of a claim. Suffering any sort of loss to your dwelling can be an overwhelming experience, and having a list of the details of your belongings and their values makes going through the claims process much simpler and less stressful than having to recall everything off the top of your head. This list can also help you make sure your insurance coverages are enough to protect you in the case of a total loss.

You might even find this list handy for many other uses (maybe it will even spur a garage sale)!

You can print off a list of common household items and personal belongings here. We can even hang on to a copy in your file for you to make sure it is safe.

 

Do you have STUFF?

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Condo Insurance | Home Insurance | Tenant Insurance

Condo Insurance 101

posted by Al Hattie Insurance    |   January 18, 2015 21:30

Did you know, your condominium building has insurance on the structure but no coverage for your belongings or any improvements that have been made to your unit? This is where Condo Insurance comes in. Whether you're living in the unit or renting it, Condo insurance is designed to provide you with that coverage your building lacks. Coverage for your belongings, for your renovations and upgrades, additional living expense, contingent coverage and building deductible assessment that keeps you protected if your building itself isn't adequately insured or the building deductible gets transferred to you. They all provide you with personal liability and can be upgraded to include several options, including:

- Increased Limits for property with specific amounts of protection, like jewelry or musical instruments

- Reduced Glass Breakage Deductible

- Sewer Backup

- Voluntary Firefighting coverage

- Watercraft coverage

- Seasonal Home coverage

- Rental Home coverage

 

You may be eligible for discounts if:

- claims free for over 3 years

- approved monitoring and security system

- fire resistive structure

- above third floor

- age and loyalty

- you choose a higher deductible

 

We ask that you take a moment to fill out a record of your belongings. You can print off an inventory worksheet to fill in values and year of purchase to most household items. Once you have a fairly complete list, add up the total replacement value plus an amount for restoration expense. This is what you will be wanting to base your coverage for under your contents. You can then contact us (1-888-450-2700), visit our office, or request a free quote online with this value we can discuss your options and what policy will best suit your needs and budget.

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Condo Insurance

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