Insurance for my WHAT?!
Quickly for those who don't know, a Slingshot is a three-wheeled vehicle manufactured by Polaris. And they're pretty cool! See for yourself:
At Armour Insurance, our culture is crucial to our success. Culture happens whether we plan it or not, so why not create a culture we love? Our goal is to make a company that everyone is proud to be a part of. To do so, we've implemented an Armour Culture Code and Core Values to help ensure our team is motivated, on track, and easily able to note their progress.
Alberta is officially open for summer, and other provinces aren't far behind! This means many of us are returning to the office for the first time in over a year, which can be pretty daunting. We at Armour Insurance are ready to help you get back in the game. Here are our tips for jumping back into office life, landing on your feet, and hitting your stride!
This July, Economical Insurance will be increasing the commercial building inflation factor for Small and Medium Enterprises (SME), Mid-Market, and Agribusiness customers.
A motorcycle costs quite a bit less than most cars. BUT insuring a motorcycle usually costs more. Many people may think motorcycle and auto insurance should be fairly similar, but most avid bikers know the major differences between the two. We're here to lay it all out for you!
Aluminum wiring was commonly used during the 1960s-70s. The price of copper had skyrocketed at the time, and aluminum seemed like the perfect alternative to conduct electricity. Since then, studies have determined that it's much more likely to cause a fire. There are a few reasons for this:
Ahhh... the lake! Now that summer's just around the corner (one might even say it's here already), lots of Alberta families are gearing up to take their boats out. And really, is there anything better than being stuck out on the water with your loved ones?
It's tough to say exactly what our summer will look like, but we can rest assured knowing there are some pretty awesome lakes in Alberta perfect for a boating getaway! Travel Alberta offers a wide range of boating and swimming destinations. We've picked out some of our personal boating favourites for you–here are the best places to go boating in Alberta:
Intact has announced their upcoming launch of Roadside Assistance: a new form of coverage to give customers peace of mind on the road. By calling a toll-free number or hopping on the Intact Insurance App, you can have worry-free, immediate assistance when you need it most. Roadside Assistance will be effective for new business on June 16, 2021, and for renewals on July 16, 2021.
One of Canada's favourite summer past times is hooking up the trailer and hitting the road in pursuit of adventure. Whether it's the mountains, the lake, or anything in between–there's nothing more freeing than a road trip with "home" tagging along for the ride.
Germs are a part of life, especially when you're camping. But most of us are used to regular sanitizing, and let's face it, RVs can get pretty filthy over the summer. With Canadian summers feeling way too short, the last thing any of us want is to get sick. Mobile RVing lists the 10 surprising ways your RV could be making you sick.
At Armour Insurance, we're all about great causes that positively impact the community! That's why we want to talk about AdaptAbilities – an Edmonton-based nonprofit organization that helps individuals with special needs develop essential life skills to grow, succeed, and belong. It's a dual impact organization, because it also takes some of the workload off parents and helps prevent caregiver burnout.
For motorcyclists, an accident is the worst thing that can happen with your ride. The second worst thing is theft. Every year, thousands of motorcycles are stolen, and for die-hard riders who put money, time, and effort into this thrilling lifestyle, replacing their bike can cost thousands of dollars.
We at Armour Insurance know how valuable a day off can be, which is why we created the day off raffle! Every year, Armour Insurance sells day off raffle tickets to our staff for $2 each, and offers a total of 12 days off throughout the year. The Armour Team draws someone's ticket each month, and that person gets a day off.
Today, Armour Insurance announces its partnership with Petline Insurance Company to launch a new pet health insurance product: Pet Shield Insurance. Dog and cat owners from Alberta, BC, and Saskatchewan can purchase this new pet insurance online at www.petshield.ca, or by phone at 1-844-421-2121.
If you’ve never experienced a brake failure, the thought of one happening likely doesn’t cross your mind too often. But if you have experienced a brake failure on the road, you know how important it is to be ready to react in a split-second. We can help make sure you’re prepared.
As we move further into 2021, most Canadians are still having to make significant sacrifices due to the COVID-19 pandemic, especially front-line workers. That's why Intact has recently announced their plan to provide additional support to their customers. Read on to see if you qualify.
Whether your buddy needs to borrow your pick-up truck to move his couch or your daughter wants to drive your car to her college class twice a week, it’s not uncommon to want to lend your vehicle to another driver from time to time. But what happens if the person you lend your vehicle to gets into a collision? And how many times can you lend your vehicle to someone before they need to be added as an occasional driver on your car insurance policy? We’ve got answers to your questions.
Your home insurance policy is designed to protect you and your property in all kinds of emergencies, from fires and floods to theft and vandalism — but you might be surprised to learn that these 10 things are covered in most standard home insurance policies:
We at Armour Insurance are always looking for new ways to add value to our Group Home and Car Insurance programs. That's why we've kicked off a new group incentive with Lethbridge Family Services!
When you're shopping for home insurance, you'll probably come across a lot of helpful (and, let's face it, not so helpful) information — but how much of it is actually true? Let's break down five of the most common myths about home insurance.
SGI has introduced new coverage requirements for condo policy holders. Effective March 1, 2021, SGI requires that a client's condominium corporation maintains adequate condo insurance for the building itself. This is in effect for all new policies, and could affect existing policy holders with coverage limitations. With current market conditions, this could also become a reality for other insurance companies.
Insurance should be more than protecting your loved ones; it’s about living your life to the fullest. Manulife Vitality gives you insurance, plus the opportunity to earn rewards and save on how much you pay – all while improving your health.
How does Manulife Vitality work? You track your everyday healthy activities through a customized, goal-oriented program that helps motivate and encourage healthier choices. Before you know it, you'll start earning rewards! You can earn Vitality Points for routine activities like walking, going to the dentist, reading health articles, and more.
Once you start earning Vitality Points, your Vitality Status can move to Bronze, Silver, Gold, then Platinum. Your Vitality Status determines your eligibility for rewards AND a potential discount on your annual cost of insurance. You can work towards improving your health while earning additional perks!
3 Steps to Manulife Vitality:
What are users saying about Manulife Vitality?
For more information, visit Manulife's Vitality for Individuals page. You can also check out Manulife's Program Rewards page that lists the partners involved and your possible rewards. Staying motivated and incorporating a healthy routine can be challenging – Manulife Vitality is here to make it that much easier.
Over recent years, we've witnessed exciting new advances in the insurance industry that have contributed to new services and greater connectivity for our customers. For our Intact customers, one of these is the Intact Client Centre app.
Throughout the year, we'll shine our spotlight on a member of the Armour Team. This month's pick is none other than Commercial Insurance Broker, Travis Vanberg!
The Alberta Auto Insurance Rate Board (AIRB) is the organization charged with regulating auto insurance premiums in Alberta. Each quarter insurance companies can file requests asking for changes to their rates. The AIRB reviews these requests and approves or deny's them based on "actuarial justification and the insurer’s individual circumstances to ensure insurance is accessible, equitable and sustainable for all Albertans". The decisions have just been released for last quarters filings. Here's what these mean to Alberta motorists.
Aviva Insurance has recently announced that it will be moving towards a more paperless experience for their personal insurance customers. In an industry that has traditionally high paper consumption this is welcome news for forests across Canada.
In compliance with the new mandatory public health measures put in place by the Alberta Government this week Armour Insurance will be offering in person visits to our offices by appointment only for the time being. Our staff remains at full capacity and is available to provide all of our services over the phone and online.
Banks have been using credit scores for years to give lower rates, special offers and other promotions. Over the last number of years insurance companies are following suit. Now, your good credit can save you real money on your auto and home insurance. We can perform a soft credit check for you and save you up to 20% and offer you a monthly payment plan!
Did you know that your home insurance policy has has limits that restrict the amount of money you can recover when certain items are stolen or lost? This means that for items such as Jewelry, Stamps and Bicycles the amount of money recoverable in a claim is capped. There are two ways to increase your coverage where needed, read on to see which works best for you.
Alberta's UCP government is making moves to fix issues that have been plaguing Alberta drivers and insurance companies for some time. Insurance companies who have been attempting to work with our government to improve the situation for Alberta drivers are seeing a light at the end of the tunnel as the UCP announces plans to make changes for the better. This should mean a healthier insurance outlook, more medical support to those injured in collisions and more affordable insurance for Alberta drivers.
"Your privacy is important to us." With the ever rising threat of cyber crime this is becoming a pretty common phrase. Many of the companies we do business with these days tell us our data is safe with them, but what does that actually mean? I can't speak for other companies, but here are a few things that Armour does to protect our customer data.
The Alberta Superintendent of Insurance office has been in the news this week for issuing a series of fines to insurance companies for overcharging Alberta motorists. After reading this article I thought it would make sense to provide a little perspective on why and how this could happen.
To send summer off with a bang this year, we teamed up with Intact Insurance to give away a big screen TV. Over 800 people across Alberta entered the draw and many got bonus entries by quoting their home and auto insurance with Armour and Intact. The contest closed on August 31st and now it's time to announce the winner!
At Armour Insurance we run a Day Off Raffle program for our staff. Each month employees who want to participate can purchase raffle tickets for $2 and get a chance to win a day off. In 2019 we sold 475 tickets raising $950. Each year, Armour pledges to match this amount in a donation to our communities.
Over the past few years we've seen some exciting new advances in the insurance industry and these have in turn contributed to new services and greater connectivity for our customers. For our Intact customers one of these things is the Intact Client Centre App. This app allows Intact customers to access their insurance from their mobile device at any time. This includes digital pink cards, which were officially approved for use in Alberta last year. To help promote this new service we we teamed up with Intact Insurance to run our "Intact 360" contest. All of the numbers are in and it's finally time to announce the winner!
As an insurance broker, Armour acts as the representative for our clients to their respective insurance companies. We partner with a number of major Canadian insurers to serve our customers in their need for both personal and commercial insurance. These companies are independent from each other and may have different methods for accommodating our customers during the COVID-19 pandemic. Please find information on how Alberta's top insurance companies are responding below.
Last Saturday afternoon I was startled by a strange alarm coming from my Alarm system. We ran to the panel and saw that it was the flood sensor on my sump pump. I rushed downstairs and over wet carpet to the sump pump and when I lifted the cover I saw that it was overflowing with cold, murky run-off water. Hopefully not many others will have to deal with a similar situation, but just in case, here's a checklist that would have helped me prevent this problem!
Armour Insurance is fully staffed and here to serve you. On March 15th we closed our offices to outside appointments and soon after staff started working home, thankfully we were prepared. Our staff is connected and working at full capacity to ensure that you continue to receive the service you've come to expect from Armour.
The Covid-19 pandemic has forced many businesses to send their staff home and close their doors. We continue to see organizations disrupted and staff laid off. As a commercial insurance provider we're receiving many questions asking to clarify if Business Interruption coverage offers protection in a situation like this. Unfortunately it does not, here's why.
A lot has changed for Canadian businesses and their employees over the last week, Armour included. We have suspended walk-in appointments to our office and many of our staff are now working from home.
For many of us, working from home is becoming the new norm, so how do you keep from going squirrely in this new norm? Armour veteran broker Jen Jarratt has a few tips that may just help you stay the course.
The impact that the Coronavirus is having on industries around the world seems to be spreading wider everyday. The travel industry is one that continues to be affected. Some recent changes we've seen with travel insurance companies reflect that this industry will continue to be affected for some time yet.
Economical Insurance has announced that they have launched a new accident towing service for customers with private passenger and light commercial vehicles. This service is available to Economical Insurance customers anywhere in North America.
We've all had this experience one time or another: you're late for an appointment and realize that your gas tank is running on empty, rather than taking the time to fill it up you just put enough to hold you over. For some of us this is more than just a rare occurrence, for some, this happens every time we visit the gas station.
The first piece of dash cam footage I saw was taken from a police cruiser in the Southern US. The officer had pulled over a woman for speeding and she wasn't very please with him. Since then, I've seen plenty of Russian dash cam videos where pedestrians throw themselves onto parked cars in hopes of securing a settlement from the driver. It's clear that these cameras would help solve a dispute over who is at fault, but do they do anything to lower your insurance rates.
The Canadian Condominium Institute has announced changes to the Condominium Property Regulations that may leave condo unit owners holding a bill for up to $50,000. The changes that took effect on January 1, 2020 will allow condo corporations to seek recovery of insurance deductibles from an owner for damages that originate from the owner's unit.
The Intact My Driving Discount App is the newest way to save on your insurance in Alberta. It's available to all Intact customers and easy to sign up. If you don't have access already, give your broker a call and get set up today. Here's a quick video on how to get started using your Intact My Driving Discount App.
Armour Lethbridge is participating in Lethbridge Family Services' Angel Tree Christmas Campaign this year. Drop off a new toy at our Lethbridge Location for one of over 2,100 children to open this Christmas.
It is finally time to announce the winner of our Intact Client Centre Summer Contest! But first: The contest was so successful over the summer that we've decided to give everyone another chance. Sign up between now and the end of the year for a chance to win $500! Don't worry, we'll include those of you who already signed up as well.
Auto insurance customers in Alberta are beginning to see the effects of the industries struggles this month. The AIRB has approved rate increases for insurance companies in Alberta, some of which have gone into effect at the beginning of November. This will leave many consumers wondering what can be done to ensure I'm getting the best value as the entire industry takes on a rate increase. That's where your broker comes in.
On Monday, October 4th Alberta's Superintendent of Insurance released three bulletins clarifying and updating rules on how insurance companies operate in our province. These notices replace various updates issued in 2016 and, if violated, could result in hefty fines for Insurance Companies doing business in Alberta.
We hate to be the bearer of bad news, but this affects us all and it is important that Albertan's understand why insurance rates are increasing this fall. There is no short term fix, but the industry is working with the Government towards a solution. With the Alberta auto insurance rate cap being lifted this September, insurance companies have applied for, and been granted, rate increases by the AIRB (Alberta Insurance Rate Board). We are expecting to see rate increases from all insurance companies on renewals and new policies starting in November.
At Armour Insurance, we believe that culture is important. It is also inevitable. Culture will grow in your organization whether you actively build it or not, so why not build a culture you love. In 2013 we set out to do just that, and it all started with our core values.
When the New Alberta Government allowed the Auto Insurance Rate Cap to expire on September 1 of 2019 almost every insurance company in Alberta applied for rate increases. Some requests are in the 10-20% range. We will find out this Friday (September 27th) what kind of increases have been approved and what to expect in the coming months.
Everybody is trying to save some money on their insurance these days. In fact, we often have people calling looking to reduce their coverage to save some money on their annual premiums. While dropping coverages off of your insurance policy can help save you some money in the short run, it could mean that you lose significantly in the event of a claim.
Alberta's Superintendent of Insurance, Darren Hedley, released a bulletin yesterday approving the use of electronic pink cards in Alberta. This is a victory for Albertan consumers, insurance brokers and insurance companies who have been pushing for this change for years.
Chances are good that you've heard the term deductible or even paid a deductible before if you've had an insurance claim in the past. But, what is a deductible. But, what else do you know about deductibles? Is there anything else to know? Watch as Kelsey from Armour Insurance's Edmonton branch answers my questions on deductibles.
If you've ever been involved in a collision, you know that no matter how minor, it leaves you shaken. This makes recording all of the information that you need that much harder. Armour makes this process a little bit easier with the Armour Mobile App and our guided claims process.
If you've ever had an auto insurance claim you may have heard on of the drivers in the claim referred to as the "at fault" party. That's because most car insurance claims are paid by the at fault party's insurance company. So what happens if you don't know who the at fault party is? What happens in a Hit and Run. We sat down with Tammy Moody, Armour Insurance's, personal line's manager to find out if a hit and run accident will leave you high and dry.
If you're anything like me, this may sound familiar. I received my insurance renewal in the mail with updated pink cards enclosed last year. But, rather than opening the letter, reviewing my coverages and putting my new pink cards directly into my vehicle, I put it on the bureau to review later. Then 3 months later, I got pulled over for pulling a u-turn right in front of an undercover police officer and discovered that my pink cards are still at home on the bureau. Now, with Armour Mobile, your pink card and all of your insurance information is always at your fingertips.
To drive your motorcycle on the road in Canada, you must carry a form of liability insurance called motorcycle insurance. The basic version of this insurance will get you on the road legally, but there are many more options you may want to consider when insuring your motorcycle. We sat down with our motorcycle expert, Bonita Paisley, in our Sherwood Park office to get a better handle on all of the ins and outs of motorcycle insurance.
A big congratulations goes out from all of the staff here at Armour to Lisa Ray of Lethbridge, Alberta. Lisa helped us get closer to our paperless goal by becoming one of the now 750 customers who have logged into their account on Intact Client Centre.
Insurance companies and brokers in Alberta have been recommending $1M in third party liability coverage as a standard since the early 2000's. Since then the number of claims with payouts exceeding this has increased substantially. In 2018 25 Albertan's had auto insurance claims where a $1M liability policy was not enough to cover the damages. In cases like this the driver/vehicle owner has to cover the remainder themselves.
President of Armour Insurance, Rob Marusin, visited the 630 Ched studios over the holidays to discuss Auto Insurance in Alberta. It's a hot topic for us right now and worth a listen for anyone has or will have purchased auto insurance in Alberta in the next year. If you missed it live, you can listen to the whole interview below:
A huge congratulations goes out to our very own Jennifer Miller, of Armour Lloydminster! She recently completed the four part CAIB course and received her Canadian Accredited Insurance Broker designation. Watch as she explains some of the ins and outs of CAIB, and what it takes to be a licensed insurance broker in Alberta today.
It’s a phone call that’s never fun to take: a client has a car that’s been in the family for generations. To them, it’s priceless and impossible to replace. And it’s just been totaled. We know that the insurance company will take the wreckage for salvage, until now that is.
Liability insurance is designed to protect you from expenses incurred from damage to property or physical injury that you are legally responsible for, but it has a limit. Watch this webinar to find out how much liability insurance is enough to protect you when the unexpected happens. Rescheduled for Friday, November 30th at 1PM.
We are very proud to announce that we were able to present the Lethbridge and District Humane Society with a cheque for $5,000 last week.Thank-you to our partners at Saskatchewan Mutual Insurance for making this possible.
Saskatchewan Mutual Insurance runs an annual program called the Centennial Charitable Donation Program. Every year they award their top 10 brokers with the opportunity to give back to their community in the form of a donation.
Workers at Canada post have decided to stay in talks for the next little while, but the threat of a postal strike in Canada is still very real. This will affect many industries across Canada and insurance is not exception.
Cyber security is a threat to organizations of all sizes, but statistics show that small to medium size businesses seem to be taking the brunt of the impact from cyber attacks these days. Join us September 26th at 11am for a look at how Cyber Crime could affect your business and what you can do to increase your Cyber Armour.
You may have noticed that shopping for an auto insurance policy in Alberta has become increasingly frustrating over the last little while. With increases in claim costs and government capping Alberta auto insurance providers are finding themselves losing money. Here's what you need to know about what is happening to auto insurance in Alberta right now.
At my local gas station this morning, regular gas was selling for $1.24/L and premium was 14¢ more expensive at $1.36/L. That's a whopping $8.40 difference if I were to fill my 60L tank. Not as much as I expected actually, but I will be putting regular gas in my car anyways. So why spend the extra $8?
Banks have been using credit scores for years to give lower rates, special offers and other promotions. Over the last number of years insurance companies are following suit. Now, your good credit can save you real money on your auto and home insurance. Giving us consent to preform a soft credit check can save you up to 20% off.
Life happens. It happens to the best of us and sometimes that means that something gets missed. We all know that missing a payment on your mortgage or your car lease can have some pretty substantial consequences, so what happens when you miss a payment on your insurance policy?
Have you ever been pulled over without valid registration on your vehicle? Is your registration up to date? I was caught on Highway 2 last weekend with expired registration on my car. Here's what happened.
Building a new home these days is much different than it was 20, 30 or even 40 years ago. A lot has changed since the 70's. So how does a new home buyer know whether people are putting siding or stucco these days if they don't want to sift through 40 years of home builder statistics?
Back when we were choosing baby names for our son I remember thinking: "wow, that is a really unique name". Now year's later I'm noticing that other parents must have been thinking that same thing around the exact same time that I was thinking it. Now, half of the kids in his class have the same name.
How would you like to bask in the sun with your favourite plus one…for free? It could happen if you’re the lucky winner of our Bermuda Boarding Call Contest! This year, we’re giving away a five-night trip for two to the tropical paradise, including airfare and hotel accommodations. The contest will run from February 1, 2018 to April 30, 2018, with the winner being drawn on May 1, 2018.
Tenant's insurance, sometimes referred to as renter's insurance, is usually purchased by someone renting an apartment or other property who would like to protect the contents of their home. It does protect the contents of your home, but it has some other features that can be even more valuable. It is a relatively inexpensive coverage and, as David explains in the video below, there's more to it than you might expect.
When reading about cyber security, and big data breaches in the news these days, it's easy to think that these breaches only happen to big companies in another country. The reality is that no matter the size or scope of the breach, we are all at more risk that ever. And even worse, most of the time, cyber attacks are caused by or even executed by someone INSIDE the company that was attacked.
When it comes to cyber crime no business is too small to target. A recent study revealed that 40% of all cyber attacks were conducted on small to medium size businesses. During these attacks cyber criminals have gotten away with valuable and damaging information on the businesses they attacked and their customers. View this infographic to find out more about how Cyber Crime can affect your business.
Speeding is by far the most common traffic ticket given out in Canada. Do you know which traffic tickets will increase your insurance rates? Will photo radar and police issued tickets have the same impact on your insurance and driving record?
It's that time of year - the air is getting cold, the trees are almost bare and hockey season has begun! And to keep you warm this hockey season, we're giving away an official Hockey Night in Canada Winter Classic 2012 winter jacket. Keep warm in this stylish Jacket from Philidelphia's 2012 Bridgestone Winter Classic. Just comment on our Facebook Post to enter and follow our Facebook page to watch for the winner!
Thanks again to everyone who entered Armour's Beautiful Alberta Photo Contest this summer. Here are the official photos of the winners and the awesome prints we had made of their photos.
Molly Swanson of Edmonton took first place (top) with a picture of the beautiful Rocky Mountain landscape. She's the proud owner of a brand new Canon Reble EOS Rebel T6. Stephanie Simon of Red Deer won a GoPro Hero camera when she came in second with her photo of a classic old GMC truck living out it's last days on the beautiful Alberta prairies. And last, but not least, Perry Anderson of Westerose won a gift pack of Canadian gift cards as he came in third with his photo of a Jasper lake reflecting through a hollowed out tree. Thanks to Vivid Print in edmonton for producing such beautiful reproductions of these dazzling photos!
Molly Swanson shows off her new Canon Rebel T6 after taking first place in the #BeautifulAlberta Photo Contest.
Stephanie Simon's mother was kind enough to pick up Stephanie's brand new GoPro Hero. She promises to deliver it to Stephanie the next time she's in Red Deer!
Perry Anderson's wife picked up Perry's gift card pack on her way back home last Friday.
Congratulations to all of our winners and thank you to everyone else who participated by entering or voting for your favourite! Click here to see some bigger versions of the winning photos, and here to see more submissions in the Beautiful Alberta photo contest.
And if you'd like to get a great deal on your insurance from a wholly Alberta owned insurance broker, you can always give us a call at 780-475-0959 or get an insurance quote online using the links below.
In a statement released today, Intact Insurance has revealed that recently, they have received reports from customers in Alberta about an "individual pretending to be an Intact Insurance adjuster and requesting that customers pay their deductible directly to this person".
Driving in any type of severe weather can significantly increase the potential for a dangerous situation for you and other drivers.
Check out our tips on how to stay safe if you get stuck in heavy rain.
Whether getting your next adrenaline fix at home or abroad, if you’re an adrenaline junkie you’ll want to make sure that you're covered and that your insurance provider is aware of your thrill-seeking hobbies.
Summer means warmer weather, but it can also bring a variety of harsh weather conditions, sometimes leading to severe storms. Taking just a few preventative measures now can save you from dealing with substantial damage later.
Summer is officially here and nice weather means that it's time to get out your favorite summer toys. This year, how will you get out and enjoy the nice weather? A drive to the mountains with your family in your RV for the long weekend? A day on the water of boating and fishing? Cruising down the highway enjoying a beautiful sunset in your convertible?
Last year there was a significant increase in the number of stolen vehicles in Edmonton. Stolen vehicles are often driven recklessly and used for crime. The good news is that every driver can help reduce the number of stolen vehicles by doing a few simple things.
We are extremely excited to be able to offer our new Armour App to all our clients!
This app was designed to make your experience dealing with your insurance easier and more convenient.
Before I started working in insurance, I wouldn't have been able to tell you the difference between an insurance broker and an insurance agent. I figured they were basically the same, people who sold insurance.
Let's be honest, like many people I found insurance both too uninteresting and too complicated to put the effort into finding out if there was a difference.
So kudos to you if you're reading this and making the effort to be better educated about insurance.
We believe that good drivers should be rewarded for their good driving habits. The free and easy-to-use mobile app my Driving Discount can save you up to 25% on your insurance premiums!
Severe storms with hail, lightning, strong winds and heavy rain are unpredictable and can strike quickly with devastating results. Check with your Insurance Broker before a storm strikes to ensure your policies are up to date and reflect your needs and situation.
Hail storms occur across Canada, but none are as furious as the storms in Alberta.
It’s the first day of spring – hello spring and goodbye winter! While you’re looking forward to nicer weather, spring is a great time you to review your home insurance policy. Make sure that you’re covered against the type of damage that comes with the change in weather.
A hit and run accident can be one of the most frustrating experiences for a driver. A hit and run accident is frustrating because the person at fault has left the scene, leaving you to deal with the damage to your vehicle.
During a recent trip to the mail box many Edmontonians found a letter from EPCOR about water service line insurance.
Stories that the upcoming federal budget will include a plan to tax employer provided health and dental insurance has generated controversy across the country.
Both mortgage insurance and life term insurance essentially serve the same purpose. However, there are some important differences. Each comes with advantages and disadvantages. It’s important that consumers do their research and understand these differences before selecting a policy.
If someone will suffer financially when you die, you need life insurance. It provides money to your family after your death. This insurance policy will replace your income and can help your family meet important financial needs like funeral costs, daily living expenses, and college funding. It will also protect your family from being burdened by your debt.
Spending some time reviewing your current insurance policies, switching to a new policy, or identifying a new discount on your current policy can help you take better care of yourself, your family, and can help you save money.
For thousands of Canadians winter is a time to escape the cold weather and head to the sunny south! Before you pack your shorts and passports, there are some important insurance considerations to keep in mind.
During a call from Armour Insurance and Economical Insurance last month, Sara’s disbelief quickly turned into excitement as she was given the news that she was the winner of a brand new 2016 MINI Cooper.
This fall, The Center for Study of Insurance Operations (CSIO) announced 50 Technology Leader Brokerages from across Canada. Armour Insurance was chosen as one of the brokerages to receive the award. Innovation and technology are at the heart of Armour's strategy to create a seamless experience for our customers.
Going away for the holidays? Between shopping for gifts, party planning, cooking, and decorating, it’s important to find time to prepare your home for your absence. You need to consider how you will prepare your home to ensure your home and belongings remain safe.
Cost is a major concern for most people when buying insurance. You want to make sure you are getting the best policy at the best rate. One that will provide you with the best protection and price. If you’ve graduated from any university in Alberta, you will automatically get 20% off the price of your home and car insurance with Armour Insurance.
When looking for business insurance coverage, many new business owners find themselves overwhelmed. There is no one size fits all when it comes to business insurance as every business is unique. Talking to a professional broker that specializes in commercial insurance can help you better understand your options and find a package that best fits your business.
When she entered the Select Sweepstakes draw seven months ago, Sara Shaw never imagined that she would win.
Fall is here and now is the perfect time to start preparing your home for winter. Regular home maintenance can help you avoid paying for major repairs. It can also reduce your number of homeowner insurance claims (an increase in claims can increase your insurance premiums).
Take care of these important home maintenance tasks to ensure your home is ready for winter.
Are you debating buying winter tires? Not sure of the benefits? As fall begins, and winter draws closer, it’s time to start thinking about tires. Many Albertans believe that their all season tires are ‘good enough’. What is the difference between winter tires and all season tires? Is good enough really good enough?
An experienced thief can steal your car, without a key, in 30 seconds. After your home, your vehicle is probably your largest investment. Most vehicle thefts are preventable. Taking some simple steps can help reduce the risk of your vehicle being stolen.
Home ownership is one of the biggest financial investments that Canadians make. You want to make sure that this large investment is properly insured. Your home is vulnerable to damage and destruction. Fire, flood, and theft are just some examples. Properly insuring your home means that you have adequate coverage in the event of serious damage or destruction.
What happens if you lend your vehicle to a friend or relative and they get into an accident while driving? What are the risk of lending someone your vehicle? Whose insurance will cover the damages? These are the questions you should have an answer to before lending out your vehicle.
Thinking of buying a home? You’ll probably first need to get approved for a mortgage. To improve your chances, there are a variety of things that you can do. Being prepared will help you show the lender that you are ready and able to take on a mortgage. Below are some tips to help you increase your chances of being approved for a mortgage.
Aviva’s Home Protect Bundle is a new product available to home and condo owners who have their insurance policy with Aviva Insurance Company of Canada. This cost saving value added package was created to help you decrease and prevent claims. It also offers a variety of assistance services from professionals in legal matters, health issues, and real estate.
If you have a current Intact Homeowners or Intact Condo policy, you may be eligible for new my Extras endorsements. My Extras gives you the opportunity to increase certain coverage limits. It also offers new additional coverages that did not previously exist with Intact.
Did you know that every 60 seconds someone in Canada gets bitten by a dog? That’s over 525,000 people being bitten each year! If you’re a dog owner, it’s important for you to talk to your insurance provider to know if you are covered for your dog. Your dog is your responsibility. You are legally liable for any injuries or damages caused by your furry friend.
Damages caused by flooding and water damage are often very expensive and can result in thousands of dollars in losses. Standing water in a basement can lead to mold, mildew, health and breathing hazards, rust, and rot. In order to prevent these problems from arising, many homes with basements have a sump pump installed. Unfortunately, sump pumps sometimes break down.
With the blessing of Alberta's Superintendant of Insurance, Uber is back and its drivers will be properly insured. Uber announced their July 1 return to Edmonton today as new rules will allow for Intact's proposed new Ride Sharing Insurance coverage to become a reality under Alberta's SPF 9 insurance code.
With Fort McMurray residents on their way back to homes that haven't had power for an entire month now, it's inevitable that they will be returning to a fridge full of rotten food. It doesn't take a month to ruin your food AND your fridge though. Here's what you should do if you have been without power to your fridge or freezer for any extended period of time.
As residents return to their homes in the voluntary phased re-entry of Fort McMurray, many are finding out for the first time, what exactly they have to come home to. Many will have damage to assess and some complete losses that they will need to report to their insurance company. Many insurance companies have already set up mobile claims centres in town and making concessions to make sure that they can do anything they can to make things easier for the victims of the fire.
Intact Insurance announced today that they have contracted Solareh, a company that offers confidential psychological assistance to support their customers through crises like evacuation that affect so many Albertans this month. Solareh specializes in helping victims to quickly develop to help their reaction to an accident or loss.
The Government of Alberta and Google have both released satellite images of the devastation that the wild fires in Northern Alberta have caused. Alberta's Map Services App comes with a warning that "structures that appear to be standing should not be considered undamaged". While these maps may not provide all the answers that victims are seeking, for many this is a first glimpse into what waits for them back home.
Economical Insurance released a Q & A of some of the most common questions they're receiving from their Fort McMurray home insurance policy holders. Please note that this guide is subject to coverage under Economical and Economical Select property policies only.
Wawanesa, announced today that they will be extending the maximum time of Prohibited Access coverage for their Fort McMurray and area policyholders. This coverage, which normally only lasts for two weeks, will be extended to 30 days to help residents who will most certainly be out of their homes for longer than the original time frame. Please find the full release below.
Our thoughts are with the community of Fort McMurray as they continue to deal with aftermath of the devastating wildfires. We have reached out to our clients, if you have not heard from us please call or email us, we are here to support you. For our insurance customers who have damages to report or who have been evacuated from their homes and need support with out of pocket, shelter or meal expenses, please contact your insurer using the list below or contact us at 1-855-475-0959 or email us at email@example.com.
For more information about covering emergency expenses while being evacuated, please see our previous article with info on Mass Evacuation Coverage.
In a mass evacuation situation like the one our Fort McMurray neighbours experienced this week, grabbing your birth certificate or other identification isn't the first thing on your mind. We know that things like speaking with your insurance company and getting shelter for your family can be made a lot easier when you have proper identification. So, when Service Alberta announced plans to waive Government fees on certain services today, Armour Registry and other Alberta registries agreed to match their offer and provide these services for free.
As forest fires ravage Fort McMurray and residents remain under evacuation notice, insurance companies are mobilizing teams, extending hours and preparing to assist the thousands of residents affected by this disaster. For home owners in this area it's important to know how your property insurance can help you through this catastrophe.
Turo is an app that allows car owners to rent out their car to earn some extra cash when they're not using it. They've just launched in Canada and are starting to gain some momentum on Alberta's streets and highways. Here's what you need to know about how your car insurance works when renting your car with Turo.
Thanks to all of the Armour Group Members who entered the 2015 Eco Select Sweepstakes. We gave away 6 cars last year to group members across Canada and hundreds of $100 gift cards. We enjoyed this program so much that we've decided to run it again for 2016. This is open to all Armour group members, but you have to enter to win. Here's how to enter:
It can certainly be frustrating when you get pinned in behind slower moving vehicles driving shoulder to shoulder down the QE2. The fact is that sometimes life in the fast lane isn't all that fast on Alberta roads, but what do the Alberta Traffic Laws say about this. We took a closer look at the Alberta Traffic Safety Act to uncover some Rules of the Road when it comes to slow moving vehicles.
Your home insurance policy has two parts. Property and Liability. Liability coverage is generally meant to protect you incase someone is injured on your property and launches a lawsuit against you. Your property coverage is meant to provide replacement costs in the event that your home or your belongings inside the home are damaged or stolen. But, did you know that there are limits to amount that your belongings are covered for?
The world of commercial insurance can be an unforgiving one. The requirements are sometimes steep and hard to understand and the coverages can be confusing at the best of times. This is why it's important to have an experinenced commercia linsurance broker on your side to guide you through your risks and coverage needs as a commercial business.
CSIO (the Centre for Study of Insurance Operations) released a legal advisory report this week suggesting change in legislation across Canada to allow consumers to use electronic proof of car insurance rather than the traditional hardcopy pink slips we are required to use today.
Whether you own or rent your home, it is always a good idea to protect your belongings with a property insurance policy. While there are some big differences in a home owner's insurance policy and a renters or tenant insurance policy, they are both put in place with the same goal: to protect your property in the event of an accident or theft.
The most significant insurance mistake you can ever make is not having any insurance at all. For example, if you drive without auto insurance you are breaking the law. If you get homeowners insurance when you purchase your house and then cancel it, you would be in quite the predicament if a fire destroys your kitchen.
Insurance is a way for consumers to protect their possessions and themselves from the risk of loss by paying a relatively low annual payment to an insurance company. The idea is simple, but there are so many things to consider when purchasing an insurance policy. Here are six ways to save on your insurance this year.
The Armour Insurance Lloydminster office is looking for qualified insurance professionals to join our team. We are currently welcoming applications from across Alberta and Saskatchewan. If you're in the Lloyd area or relocation is an option for you, we'd love to talk.
Recently a man received a ticket for distracted driving for answering a text message while waiting in line at a Beaumont area Tim Horton's drive through. While there is some speculation that he may have been texting on the way to Tim Horton's as well, it seemed like a good time to take another look at Alberta's distracted Driving Legislation.
Armour Insurance is seeking your help to make this Christmas a little better for our furry friends without their furever homes.
"Today marks a pivotal milestone for Economical" announce Gerald Hooper, chairman of Economical Insurance's board of directors "we have unanimously determined that demutualization is in the best interests of the company." This, just moments after the Economical Board of Directors announced its decision to proceed with the demutualization process.
2015 marks the 9th year that the Bag of Hope campaign has been providing Edmonton's homeless and less fortunate with backpacks full of life’s necessities. Once again, Armour Insurance is proud to be helping out this year by spreading the word, providing a drop off locations and helping to distribute the bags to those who need them.
The California Department of Motor Vehicles has released a report containing the details of driverless car crashes that happened on California roads last year. This marks the first of a series of reports monitoring how autonomous vehicles are performing (or not performing) on public roads.
To celebrate the launch of the new Armour Insurance Save of the Game feature on 630 Ched, we're giving away 2 tickets to the Oilers 2nd home game against the Detroit Red Wings on October 21st. If you'd like to watch the Oilers pummel the Red Wings in person follow the directions below.
Uber announced earlier this month that they are working with Intact Insurance to develop a new car insurance plan for ridesharing in Canada. Uber, who maintains that their Canadian rides are covered by $5 million in liability insurance, believes that this insurance plan will be the first of its kind in Canada.
In response to the hail storms that hit Alberta on July 21, 2015, Aviva Canada has mobilized its CAT team to the area. They have dispatched appraisers and set up drive-in appraisal centres in Lethbridge, Calgary (two centres), Red Deer (two centres), Lacombe, Ponoka and Hinton to assess vehicle damage. If you have home or car insurance with Aviva, read on.
In a recent bulletin Aviva has stated that "a significant number of claims, both auto and property, have already been reported to us." Their goal is to contact all customers within 24 hours, but because of the large volume of claims, Aviva expects to have delays in response time.
In a press release today the Government of Alberta warns passengers and drivers of the possible financial dangers of using the controversial Uber Ride Sharing Service.
A Community Garden is a group of people coming together to nurture, develop and sustain a growing space in their community. It provides more than just fresh produce and plants for the neighbourhood. It creates a sense of community, neighbourhood improvement and a connection to the environment, especially for that don't have enough room to garden on their own property.
Up until last week it has been a fairly dry summer in Alberta. But, now that we're starting to get some much needed rain we're also seeing basement flooding, and in some areas (like Chestermere) severe flooding. So in the name of prevention, here's a handy checklist that you can use to help keep your basement dry.
Last summer, lightning struck this truck while travelling down Highway 2. It damaged the electrical system, set off 6 airbags, melted and burned portions of the body and filled the cab with smoke.
Congratulations goes out to Brian Obando, of Edmonton, Alberta from the entire crew here at Armour Insurance. Brian, the winner of the Armour Insurance and Intact Insurance sponsored Jamaica My Day contest, was awarded his prize Monday.
July is a busy month for vehicle renewals! If your last name (or company name) begin's with any of these 6 groups of letters, we'll be expecting to see you at Armour Registries this month to renew your vehicle registration.
This Canada Day, July 1 2015, our Lloydminster office, Meridian Agencies Insurance, will officially change their name to Armour Insurance Lloydminster Ltd.
Aviva Insurance announced Friday that the Aviva Community Fund is back for a seventh year with another $1 million in funding to help create positive change in your community.The competition has been simplified and some of the processes streamlined to make it easier for everyone to participate while creating an even greater opportunity to win a portion of the $1 million fund.
The largest recall in automotive history has expanded to include over a million vehicles in Canada. Japan's Takata has agreed to recall over 33 million airbags worldwide due to concerns that they may deploy with too much force, firing shrapnel and debris at the passenger or driver.
Transport Canada has announced that the Takata Airbag recall affects 1.2 Million vehicles in Canada. This includes vehicles of various makes and models ranging from 2000 all the way to 2015. Check the list below to see if your vehicle is included in the recall.
Between picking out tile and choosing paint colours, speaking with your home insurance broker doesn't usually come up when planning renovations to your home. Sure, you don't need to update your home insurance policy every time you change the hardware on your kitchen cabinets, but there are some projects where your broker is going to be your best friend.
Early this year Aviva Insurance announced an insurance first in Canada when they launched their Overland Water Coverage (Flood Insurance) for personal property insurance. There was some speculation about what this new endorsement protects Aviva customers from and whether or not it affects any existing coverages that Aviva clients had at the time of the announcement.
In anticipation of the June 1 launch, we attended an Aviva information session this week to answer some of these questions. Here is what you need to know about how this new endorsement affects current and future Aviva Insurance customers:
Intact Insurance reported today that they have recently been informed that some customers have been fraudulently contacted by someone identifying themselves as an Intact Insurance employee looking for credit card information. The caller goes on to indicate that the account is in arrears and in order to keep it current, payment is requested right away. The caller then tries to solicit personal payment information.
Misty Eisner of Edmonton, Alberta won a $200 Best Buy gift card in the Armour 2015 St. Paddy's Day contest. Congrats Misty and thank-you to everyone who entered. We really enjoyed reading about everyone's Lucky Charms!
5 years ago Economical Insurance announced plans to pursue demutualization and with the federal government's release of new draft regulations last Saturday it looks like that journey may be coming close to an end.
The 2015 World Insurance Report was released last week and customers are looking for better service. In a survey of 15,500 insurance customers from across the globe it was announced that less than 30% of customers are happy with the customer experience. Not surprisingly, 50% of customers rate digital and social media as an important way to communicate with their insurance broker or agent.
In a press release yesterday (February 19, 2015) Aviva Canada has announced that they will be the first insurance company in Canada to offer Overland Water Protection for residential property owners and tenants across Alberta.
A man flying his DJI Phantom drone in the DC area this week has inadvertently crashed it on the White House lawn. This has spurred President Obama to call for stricter regulations on domestic UAV's. Obama has asked for regulations to be put in place to ensure that drones "aren't dangerous and that they're not violating people's privacy."