Special event insurance

What Insurance Do You Need to Organize A Sports Event?

Thinking of organizing your own sports event? It’s a great way to get everyone together, raise money for a charity or even have a bit of fun. If you're new to organizing events, or you don't do this on a full time basis, the world of insurance can be a little confusing. Accidents happen all the time, and sporting events are no exception. Whether you're hosting an event or you're participating in one, a lot could go wrong in a very short period of time. You may or may not be sued, however knowing you are protected from any frivolous or legitimate claims will certainly give you peace at mind (...)

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No-fault Insurance

What is “no-fault” Car Insurance?

If you think having “no-fault” car insurance coverage means you’ll never be considered “at fault” for an accident, you’re not alone — that’s a pretty common misconception. But in the insurance world, “no-fault” means something a little different. “No-fault insurance” is the term used to describe the car insurance system that’s in place primarily in Ontario, Nova Scotia, New Brunswick, and PEI. The official name for this coverage is Direct Compensation Property Damage (...)

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Renovation Project

Is Your Home Renovation Covered By Your Insurance Policy?

Planning a renovation can be a fun and exciting time. Whether you’re re-modelling your existing space or preparing for an addition to your home, you’ll likely begin by browsing design magazines and blogs, visiting open houses and model homes, and pinning your favorite ideas to your Pinterest boards. But then there’s all that other serious stuff that needs to be done too, like planning your budget, finding the right contractors, and applying for the necessary permits (...)

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myDriving App FAQ

Intact’s myDriving Application – FAQ

Intact's myDriving discount has been around for quite some time monitoring your braking, acceleration, and what time your drive your vehicle. Previously this information was tracked via a plugin device that was installed into your vehicle, but as of recently this data can now be tracked through a cell phone application. The application allows you to view a road map of each trip you take, including any events (hard braking, rapid acceleration, driving during high risk periods), and see your potential savings (...)

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Canada’s Top Five Scenic Drives

Thinking about hitting the open road this summer? Sometimes there's no better way to unwind then a long scenic road trip with your friends or family. Canada has some of the most beautiful highways in world, and each province excluding Saskatchewan has their own unique attributes. So if you've got a full tank of gas and some time to spare, whether it be for a day trip, a weekend or longer, get out there and explore what our country has to offer this summer. Worst case scenario a bear kills you. We’ve put together a list of Canada’s top five scenic road-trip destinations to get you on your way (...)

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Additional Living Expenses

What Is Additional Living Expenses Coverage?

Your home insurance policy can protect you from so much more than physical damage to your property and liability claims. Additional Living Expenses coverage is included in most home insurance, condo insurance, and tenant insurance policies. It can help cover out-of-pocket expenses when you’re forced to leave home because of an insured event or government-ordered evacuation (...)

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Credit card

Does Your Credit Card Provide Adequate Travel Insurance?

I’ve always been a staunch believer in travel insurance. When I first started travelling with friends, I was surprised that most of them didn’t buy travel insurance! Those that did often relied on credit card insurance coverage. However, I’ve since learned that not all policies are created equal, so if you’re relying on credit card or group plan travel insurance coverage, you may want to reconsider (...)

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home claim

How will making a claim impact the cost of my home insurance?

Your home insurance policy is there to protect you when you need it most — but you may find yourself wondering what could happen to your premium after you make a claim. As your HMS insurance broker we will provide helpful insight on how your claim will impact your policy, and provide the right course of action to get your home back in the same position it was before. There are a few things to consider before a claim is submitted (...)

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Preventing a Home Fire

Have a plan: safeguarding your home against fire

Your home is your sanctuary, and the place where you should feel the safest. That’s why house fires can have such an emotional impact. They put the health and safety of the people you love at risk, and can destroy a lifetime of memories in mere moments. Preventing fires is easier than you might think, and taking simple precautions can safeguard you and your family. Check out these 7 easy tips to get started (...)

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