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Latest News from Al Hattie Insurance

Saskatchewan Traffic Safety Laws are Changing June 27 2014

posted by Al Hattie Insurance    |   April 17, 2014 14:44

 

In an effort to reduce the high rate of injuries and fatalities on Saskatchewan's roads, the Special Committee on Traffic Safety will see several key recommendations turn into law effective June 27, 2014. One of the primary changes will effect new drivers caught driving under the influence of drugs or alcohol, who will face a 60-day license suspension and will have their vehicle seized for three days.

"Harsher penalties are aimed at deterring the unsafe choices some Saskatchewan drivers are making," said Donna Harpauer, Minister responsible for SGI. "We want drivers to think twice before making a bad decision, like getting behind the wheel after drinking or texting while driving."

Other traffic laws being introduced in the province June 27th include:

  • Impaired drivers face user-pay installation of an ignition interlock device on their vehicle, for a minimum nine months on a first offence and up to five years for subsequent offences.
  • Drug-impaired drivers will face the same consequences as drinking drivers.
  • Drivers caught using their cellphone while driving for the second time within one year will have their vehicle seized for up to seven days.
  • Drivers will face harsher penalties when they're traveling at 35 km/h or more over the speed limit.
  • Booster seats will be mandatory for children under seven years of age, less than 145 cm (4'9") in height and under 36 kg (80 lbs) in weight.
  • Photo radar will be piloted at three high-risk locations across the province and in school zones.

Motorcyclists will also note changes, with a focus on new riders:

  • Riders in the Motorcycle Graduated Driver Licensing (MGDL) program and their passengers will be required to have their arms and legs covered, wear hand-covering gloves, ankle covering boots, and either an approved three-quarter, modular or full-face motorcycle helmet.
  • MGDL riders will have to place a placard on their license plate to indicate they are a new rider.
  • Drivers will be required to hold a Class 5 or higher driver's license before applying for a motorcycle learner's license.
  • New riders will have to demonstrate their ability to operate a motorcycle through a basic ability test or successfully complete an approved training program, before getting a motorcycle learner's license.

For more information about these traffic safety changes, visit SGI's website at www.sgi.sk.ca.

 

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Community

Your Prestige Home's New Prestige Policy

posted by Al Hattie Insurance    |   April 9, 2014 16:25

SGI has just introduced their new Prestige Home Insurance policy for your higher-valued home that provides tailored coverage to suit your needs. Whether you are a home business owner, a specialty items collector, a savvy investor or have an impressive collection of recreational toys, Prestige has the right coverage for you.

 

All Prestige policies include:

Lifestyle Coverage Options - allowing you to tailor your insurance protection to your specific lifestyle needs.

Priority Claims Service - access to dedicated Prestige adjusters to provide you with faster service, including a 30-minute guaranteed response time.

Roof/Siding/Flooring - if matching materials are no longer available, your entire roof, siding, flooring or sets of vehicle entry doors will be replaced in the event of a claim.

Home Systems Protection - coverage for the sudden and accidental mechanical breakdown of home equipment such as furnaces, central air conditioners, deep well pumps, pool pumps and heating equipment, electrical power panels, and more.

Homeowners' Guarantee Coverage - coverage to repair or replace your home or outbuildings with materials of similar kind and quality, even if the cost to do so is more than what you have insured them for.

Higher Limits on Property with Specific Amounts of Protection - increased coverage for items such as tools, spare auto parts, business instruments and computer software protection, lawnmowers, tractors, snow blowers, jewelry and furs, and much more.

Personal Liability Coverage - $3 million in coverage to protect you if you are sued by someone who is hurt or whose property is unintentionally damaged because of your actions

Roof Snow Removal - access to $1000 to have snow removed from your house following a claim caused by an ice dam.

Single Amount of Protection - provides 150% of the coverage of your home, allowing you to allocate coverage as you wish towards your personal belongings, increased living expenses, lost rental income or expenses to cover the cost of being evacuated from your home.

 

Prestige Lifestyle Options

Prestige home insurance policies allow the addition of any or all Prestige Lifestyle Options tailored to your needs.


Lifestyle Option A: Home Business Owner 

Additional protection provided for:

- books, tools and instruments for your business

- business computers

- enhanced coverage for credit card/cheques or damages from counterfeit money

-increased limits on voluntary medical and property damages and lost wages

Lifestyle Option B: Collectables & Treasures Protection

Make sure your lifetime of memories is not lost in an emergency by selecting this option that covers:

- per-item protection for priceless comic books and trading cards

- enhanced protection for jewelry, watches or gems

- extra coverage for furs, manuscripts, stamps or coin collections

Lifestyle Option C: Family & Security

Get additional protection for the security that matters with Option C:

- enhanced limits on identity theft protection

- additional coverage for securities and bonds

- protection on bullion, money and gift cards

- additional coverage for childcare costs or loss of income to attend to a home insurance claim

- enhanced coverage for cemetery property such as burial plots

Lifestyle Option D: Recreational Protection

You take care of your quality of life and the value of your home, and you need protection to match:

- increased limits on shrubs and outdoor trees

- enhanced boat and motor coverage

- increased protection for pets

- enhanced protection for bicycles, tricycles or similar, including accessories

- enhanced coverage for yard machines

- increased lock replacement coverage

 

The new Prestige home insurance policy also provides you with an enhanced Customer Claims Service, which includes a 24/7 dedicated claims line, 30 minute response time, faster payment process and a dedicated adjuster from start to finish. Stop by our office or call 306-955-2700 if you think Prestige is the right policy for your home or if you require any further information.

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Home Insurance

Free Car Seat Clinic June 7th

posted by Al Hattie Insurance    |   March 6, 2014 14:48

We are very happy to announce that we will be holding a free car seat clinic in our office's parking lot on Saturday June 7th from 9am-3pm. Bring your vehicle, car seat and child and the registered car seat techs will make sure that your car seat is properly installed, sized and answer any additional questions you may have.

There will additionally be a Shred-It station that will dispose of any documentation in exchange for a donation to the Saskatoon Food Bank.

More details to the event will be announced in the coming months as confirmed.

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Community

Your Auto Policy Vs Your Basic Plates

posted by Al Hattie Insurance    |   February 10, 2014 14:08

When plating and insuring your vehicle in Saskatchewan, whether it be your winter beater or your brand new SUV, it's important to understand your options and what you are getting in terms of coverage and deductible.

When purchasing an Auto Policy, you are not just plating your car, you are getting a customizable insurance policy that protects you and your family from loss not covered by basic plate insurance. You gain several key additions including:

- Increased liability coverage from $1 million to $5 million

- Lower deductibles from $500 to $50

- Waived deductibles if you hit wildlife or have damage due to fire, lightning or theft

- Rental car coverage (which includes protection against damages to the vehicle)

- Increased injury benefits

 

Additional options:

- Replacement cost coverage on brand new vehicles (must be insured within 120 days of vehicle delivery)

- If your vehicle is totaled in the first 24 months, your deductible may be waived and your vehicle is replaced

- If your vehicle is repairable, only new parts will be used

- If your vehicle is leased your original purchase price is protected, covering the difference between what you owe your leasing company and the actual cash value of the vehicle

- Loss of use coverage for alternative transportation in the event of a claim

- Road hazard glass coverage including chip repair

 

There are many examples of how an Auto Policy can provide necessary benefits in coverage. For instance, if you injure a high salaried person in a collision and must pay to supplement their lost income, Auto Policy pays for costs not covered by basic plate insurance. You may face significant financial hardship if you're found at fault for damaging someone's property or if someone gets injured.

Getting the right protection is about the best combination of basic plate insurance and an Auto Policy tailored to your needs.

 

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Auto Insurance

Thank You For 32 Years of our Family's Business!

posted by Al Hattie Insurance    |   February 3, 2014 15:40

We had a small celebration of our office's 32nd anniversary on Saturday. We would like to thank everyone who past or present had business through our office and to the wonderful community around us that has been home to our business since 1982! Al and Lois (the original owners) even stopped by to visit with everyone and help celebrate.

 

Congratulations to this year's door prize winners:

- Sydney Sylvetser who won a woman's watch.

- Bert Elder who won the men's watch.

- Shannon Peter who won the sport bag, blanket and water bottle.

 

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Community

Nice Place! Is It Properly Covered If It Breaks?

posted by Al Hattie Insurance    |   January 9, 2014 15:55

Got some new gadgets in your home, maybe a radiant floor or some valuable mobile medical equipment? Wawanesa offers Saskatchewan residents a Special Limits Enhancement that can be extremely useful on your home or condo that not only increases some of your existing coverage limits but adds coverage to key systems you rely on in your everyday life. This Home Equipment Breakdown coverage is extremely handy in covering costly gaps to basic policies, protecting you from expensive repair or replacement to key pieces of equipment and systems.

The Special Limits Enhancement raises limits to these existing coverages:

- $20,000 Jewellery and Furs

- Personal property of a student away at school

- Watercrafts

- $20,000 Building Bylaws Coverages

- $20,000 Fire Department Charges Coverage

- Home Freezer Contents

 

The Special Limits Enhancement also adds $50,000 Home Equipment Breakdown coverage for equipment, systems, and personal property that includes:

- Central air conditioning

- Boilers, furnaces and heat pumps

- Radiant floor heating

- Pool and spa pumps, heating and filtration

- Electrical service panels

- Home security monitoring and control devices

- Kitchen and laundry appliances

- Home entertainment equipment

- Computers, peripherals and wireless devices

- Mobile medical equipment

- Portable generators and sump pumps

 

If you would like more information regarding Wawanesa's Special Limits Coverage, please give us a call at 1-800-450-2700 or 306-955-2700.

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Condo Insurance | Home Insurance

2013/2014 Saskatchewan Snowmobile Trails

posted by Al Hattie Insurance    |   January 3, 2014 16:41

If you've been out riding the trails or plan on doing some snowmobiling this winter make sure to stop by our office to pick up this year's copy of the Sask Snowmobile Trail Guide. It's a must for every rider, giving a detailed map of the province that includes:

- Trans Canadian Snowmobile Trails

- Primary Trails

- Secondary Trails

- Provincial Trails

- Fuel Stations

- Warm-Up Shelters

- No Snowmobiling Areas

- Arctic Cat, Polaris, Skidoo, Yamaha Dealers and Canadian Tire Stores province wide

- Snowmobile Clubs with trails

- All Sasktel 4G coverage area

- Approved Hand Signal Reference Guide

- Recommended Minimum Ice Thickness Reference Guide for different vehicles

and more.

 

Copies are free and fold up to fit in a jacket pocket. Please come pick one up from our office before you hit the trails and safe riding!

 

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Community

11 Essential Tips for the Canadian Traveler

posted by Al Hattie Insurance    |   December 16, 2013 14:49

Are you taking a much deserved trip? Trying to beat the cold? Maybe it's just time to explore? Here's a handy traveler checklist from Travel.gc.ca:

 

- Carry a Canadian passport that is valid well beyond the date of your planned return to Canada; keep a copy of the identification page separate from the original.

- Leave copies of your passport identification page, itinerary and insurance policy with friends or family.

- Obtain any required visas well in advance.

- If traveling with children, carry documentation proving your right to accompany them (e.g. a consent letter or court order).

- Arrange for travel health insurance and take care of health needs, such as eyeglasses, prescriptions, vaccinations and medical certificates and supplies.

- Anticipate financial needs, such as local currency and departure tax.

- Check whether dual citizenship is an issue for you.

- Obtain an International Driving Permit, if required.

- Visit travel.gc.ca for essential Country Travel Advice, emergency contacts, a directory of Canadian embassies and consulates, safe-travel publications and information on traveling with children, living abroad and returning to Canada.

- Download their Travel Smart mobile app at travel.gc.ca/mobile for essential travel information on the go.

- Sign up for Registration of Canadians Abroad service at travel.gc.ca/register.

 

 

And our biggest tip: Travel Insurance is for everyone!  Whether you're 25 or 75, make sure to inquire about what options are available to you before your departure to make sure your trip is one to remember.

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Travel

Individual Claims In Saskatchewan Exceeding $2 Million, Are You Covered?

posted by Al Hattie Insurance    |   November 19, 2013 15:13

We strive at Al Hattie Insurance is to ensure that as a policy holder at our office you are properly covered under your insurance to cover modern claims scenarios in Saskatchewan. In years past, $1 million in liability coverage to a home, tenant, condo, or auto policy may have seemed more than enough. Unfortunately, this year has seen several claims rising not only above the $1 million but $2 million mark. Due to this trend, we are making sure that our customers are aware of the rising cost of fire and other claims to make sure they are fully covered in case of an accident.

 

A major fire claim in May this year was one of several incidents that show that rising cost of living and growing density in the city and province inevitably are leading to higher and higher claims. As people's busy lives don't always leave them enough time to or to study the claims market, we strive to make sure that you as the insured are provided with coverage that will do what it is supposed to in case of an emergency; make sure you are going to be covered in case of incident.

 

As of Jan. 1st 2014 all home, condo, tenant, and auto policies are going to be automatically renewed with $2 million liability coverage. We have unfortunately seen claims in the province that are well exceeding the previous standard of $1 million liability coverage and we don't want you to be paying for insurance and still end up with an enormous bill at the end of the day when an accident occurs. On most policies, to raise liability coverage from $1 million to $2 million will only see an increase of $1-$2 per month per unit on your current policy. $2 million liability coverage won't be mandatory, but will now be recommended for all policies as a minimum limit. If you feel like you are at risk of needing higher coverage, it is possible to also purchase up to $10 million liability coverage when you add an 'Umbrella' liability policy.

 

If you have questions regarding your policy, getting your coverage changed or increased, or don't know what coverage is best for your needs, please call us (306-955-2700 or toll free 1-888-450-2700) or stop by our office at 3020C Arlington Ave and talk to one of us.

Winter Driving Tips from SGI

posted by Al Hattie Insurance    |   November 4, 2013 18:46

Vehicle accidents can be anywhere from annoying to expensive to deadly, and winter driving conditions only ramp up the odds of having a collision. To help protect you, your family, your neighbourhood and your pocketbook here are some essential winter driving tips from SGI. Even if you've been driving icy Saskatchewan roads for decades there is no better time for a refresher than now! 

 

  • Be sure to wipe loose snow off the hood of your vehicle so that it doesn't blow onto your windshield and obstruct your vision while you drive.
  • Ensure that your headlights, taillights and licence plates are visible, and that your windows are completely defrosted before you hit the road.
  • If possible, switch to winter tires. Their deep treads are ideal for clearing away snow, giving you maximum traction and control.
  • Studded tires are a good choice on wet roads when the temperature is near zero. However, they don't outperform winter tires in freezing conditions.
  • Check the tire pressure often to help prevent a blowout. Your owner's manual or the tire's sidewall will indicate the proper pressure - usually between 30 and 33 lb/in2 for an average passenger car. Just don't forget that tires lose pressure at the rate of 1 lb/in2 for every 5° C drop in temperature.

Winter driving guidelines

With so much attention paid to winter driving preparations, it's easy to forget about the driving itself.

  • When you're on the road, remember to give yourself more time to reach your destination. Start your trip slowly, testing your braking and steering to 'get a feel' for the road.
  • Once you've reached a level of comfort, you can gradually increase your speed. The key is to maintain control of your vehicle at all times, even if that means driving under the posted speed limit.
  • Stay alert as you approach intersections. Scan the road for traction, such as sand or bare pavement, and always accelerate and decelerate gradually.
  • If you do find your vehicle skidding, remain calm and take your foot off the accelerator. Don't lock the brakes. Instead, brake steadily, look where you want to go and steer in that direction.
  • Try to avoid using cruise control on the highway during the winter. Icy sections on otherwise dry surfaces can cause your wheels to spin, compromising your control of the vehicle and putting you at risk of a collision.
  • Leave at least a 3-second following distance between your vehicle and the 1 in front of you. If the driver ahead of you suddenly brakes, you'll have the time and space needed to stop safely, ensuring that you and everyone on the road arrives at their destination safely.

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