Personal Insurance
At Unison Insurance, we recognize that every family is different. One of our personal insurance specialists will help you ensure your policies are properly tailored to suit your individual needs and unique requirements -no overlap of coverage, no gaps, and no gimmicks - just straightforward solutions to everyday situations.
You will appreciate the savings, convenience, and peace of mind of having ALL of your personal insurance managed by the professionals at Unison Insurance. With your best interests in mind, our personal insurance team specializes in multi-policy package plans for your home, automobile, life and leisure, insurance needs.
As part of your Personal Insurance portfolio, special programs are also available for:
- Cottages
- Home business
- Rental or investment properties
- Boats
- RV's and the rest of the "toys"
LIFE AND HEALTH INSURANCE AND INVESTMENT PRODUCTS
The following products are available from specific duly licensed Sales Associates:
Life, (Term & Universal), Critical Illness, Long Term Care, Disability, RESPs, RRSPs, Mortgage Insurance, Accident & Sickness, Travel, Group Benefits, Business Life Insurance.
These products and services may be arranged independently from companies with whom the associates have direct contracts and may not be directly written through Unison Insurance. Click here for more information.
Tips for vehicle owners and operators
Vehicle buying guide - http://www.canadiandriver.com/newcarbuyersguide
Canadian Centre for Emergency Preparedness - http://www.ccep.ca
What to do when you are involved in an accident
Being involved in an accident can be a very stressful event. To help you protect both yourself and your interests, we have provided some basic hints:
- Call the police immediately, and an ambulance if necessary.
- At times you may be directed to go to the nearest collision reporting centre.
- Do not admit liability.
- Record details of the accident including date, time, location, a description of the accident, any injuries, and any charges laid.
- Record details concerning the other party and vehicle such as owner's name and address, phone number, and vehicle year, make and model.
- It is very important to obtain the insurance information of the other driver. This includes the name of the insurance company and the policy number and the name of the broker or agent.
- Obtain a copy of the police report from the attending officer as this will have the accident report number for future reference.
How to prevent vehicle theft
Although you can not ensure your vehicle will not be stolen you can take a few easy steps to prevent the likelihood of it happening, by making it more difficult for a thief to steal your vehicle and its contents.
- Always lock your vehicle
- Never leave your keys in the vehicle
- Turn off your ignition whenever you leave your car
- Avoid parking on the street
- Conceal items left in your car, keep things in the trunk and never leave money or compact discs in the open
- Whenever possible, park your vehicle in a well-lit, well-guarded, highly visible area.
- Ask your neighbours to watch out for your vehicle and do the same for them
- Install an anti-theft deterrent such as car alarms or an ignition disabler.
- For tips and more information to help you avoid having your car broken into or stolen please visit the following web sites: Vehicle Information Center
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Vehicle safety and maintenance
Read your vehicle owner's manual to understand its maintenance needs.
Maintaining your vehicle according to the manufacturers recommended maintenance schedule will go a long way in extending the life of your vehicle and spotting minor problems before they become major repairs.
Have your vehicle checked by a qualified mechanic whenever you notice a change in braking or handling.
Consider taking a recognized driver safety course.
Brakes:
Your brakes are obviously one of the most important components on your automobile. Proper care and regular maintenance is essential to protect both yourself and others from the potential harm caused by faulty brakes. Some signs that your brakes may be failing or require maintenance include:
- The brakes squeal, grind or bang when applied. If this occurs you should immediately have your brakes checked.
- The car pulls to one side when you apply the brakes.
- The brakes stick or a loss of engine power when you are driving . Your brakes may not be releasing properly which can lead to total brake loss.
- The brakes grab when lightly applied. This could be caused by loose
or broken brake parts.
- The brakes need a lot of pressure to work or the pedal needs to be near the floor before it works. This may be a sign that your brakes are worn and replacement is necessary.
- The brake pedal, steering wheel or entire car vibrates when you step on the brakes.
Anti Lock Braking Systems:
- For information pertaining to what an Anti Lock braking system is, why it is used, how it works and other related topics please visit the Transport Canada site.
Preparing for winter driving
Canadians know that winter driving can be treacherous at the best of times. The following web sites contain tips and information to help you prepare yourself and your vehicle for safe winter driving.
Residential Tips
Household inventory
Here's how to prepare your inventory...
Create a separate list for each of these categories or print this convenient form.
- Furniture and appliances, listed room by room.
- Clothing, listed for each person.
- Computer equipment and software.
- Books, tools, toys, bicycles, and other items.
- Credit cards, and who to notify if they are lost or stolen.
Also...
- Don't forget to list all items in your basement, garage and yard.
- Keep the sales receipts for all major purchases. Keep your receipts at a different location such as a safety deposit box.
- Update the lists as you purchase new items or dispose of old items.
- Keep a copy of the inventory in a safe place away from home, like a safety
deposit box.
- Review your inventory annually, preferably 30-60 days before your insurance renewal and advise your broker of significant changes.
An easier way to take inventory... simply videotape your belongings
- Be sure to record a detailed image of all the items you would include in
the paper lists.
- Remember to update the tape every year to include any new items.
- Be sure to keep the video tape in a safe place away from home such as
a safety deposit box.
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Crime Prevention Tips
Burglary is always a crime of opportunity. Here are some interesting facts you should know about burglary:
- Studies show that most burglars attack during the daytime when dense bushes and trees protect them from view, and the building appears unoccupied
- One-third of burglars enter from the basement
- One-third of burglars force entry through a window or door
- One-third of burglars gain access from an unlocked/open door or window
- To best protect your home, look at it from a burglar's perspective. What are the vulnerable parts? If you take a few simple and inexpensive steps to make sure your home is not an attractive target, you'll greatly reduce your chances of becoming a victim.
Home Fire Safety
Are you prepared?
Here are actions you can take to prevent or be ready for emergencies:
- Install a smoke detector on each floor and check the batteries twice a year. For example, New Year's Day and Canada Day.
- If you live in a high-rise, have duct tape handy to seal the doorway from smoke.
- Have your furnace inspected and cleaned every year.
- Hold a fire drill, showing everyone how to stay low and exit from the dwelling.
- Do not keep combustible materials, such as newspapers, after you have finished with them. Flammable liquids should be stored in a cool, ventilated place away from any source of heat.
- If you have a fireplace, have the chimney cleaned regularly.
- If you have a wood stove have it inspected for clearances and acceptability.
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Home Security Checklist
Doors
- Entrance doors should have a solid core.
- Doors should fit tightly into door jambs and strike plates must be secure.
- Install a wide-angle peep hole.
- If hinge pins are outside, they should be non-removable.
- When closed, sliding doors need a metal bar to fill the inside track.
- Locks on the inside of the door should be at least 40 inches from glass.
- Locks should be replaced after you take possession of your new home.
- Use deadbolt locks that extend at least one inch into the strike plate.
Windows
- Metal windows need a lock or metal bar in addition to a catch.
- Basement windows should be Plexiglas or have security bars.
- Windows left open for ventilation should be secured.
- Curtains or blinds should fully cover windows.
- Air conditioners should be secured from the inside.
Exterior
- Keep shrubs cut below window level.
- Your house number should be easily visible from the street.
- Make sure front and back doorways are well lit or spot lit.
- Keep bicycles, lawn mowers, and other gear inside and out of sight.
- Join a Neighbourhood Watch and Operation Identification, and display the decals onyour front and back doors.
Garage
- Keep your garage door closed and locked when not in use.
Remove vehicle keys and lock vehicles in the garage.
Have a light inside the garage.
Around your apartment
- Open the lobby door only for people you know. Unknown or suspicious persons should be reported to the building superintendent.
- Use your initials and last name to identify yourself on the lobby list.
- If you are out, arrange for deliveries to be received by the building superintendent or a neighbour.
- When moving in, have the superintendent change the locks.
- Check the elevator before you enter it and stay near the control panel.
- Do not go into laundry rooms alone.
- Check your car before entering it.
- Keep your car locked and remove any valuable portable items.
- Do not store valuable items in an apartment locker.
Alarms
- Alarms monitored 24 hours by a Central Alarm Station service are recommended and may qualify for an insurance premium discount.
- Alarms should protect the full perimeter of your residence.
Your personal safety
- Do not open the door until you confirm the person's identity.
If somebody asks to use your phone, have them wait outside while you make the call for them.
- Do not give out personal information to telephone solicitors.
- If you arrive home and suspect a break-in, leave and call the police.
- Never indicate that you're not home on your telephone answering machine.
- If you lose your keys, change your locks. Your policy has coverage assistance to replace lost/stolen keys.
What NOT to Do
- Don't put up a nameplate outside of your house with your full name. A burglar can use this information to look up your number in the phone book and call to see if you are home.
- Don't leave a note on the door or in the mailbox telling a friend/family member that you aren't home.
- Don't leave spare keys in an obvious place such as the mailbox or under the front door mat.
- This makes it very easy for a burglar to rob your house quickly without forcing entry.
- Don't leave cash and handbags in view in your home.
- Don't leave any doors unlocked when you are at the other end of the house
or in the yard.
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Going on Vacation
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- If you are going on vacation it is especially important to make your home appear inhabited. To fully protect your home you will need to enlist the help of trusted neighbours, family and friends. Here are some things that you can do:
- Stop all mail delivery.
- Arrange for a neighbour to cut the grass or shovel snow.
- Cancel all deliveries during the time you will be away.
- Maintain normal lighting patterns by using electronic timers.
- Ask a neighbour to put one of their garbage bags in front of your house on collection day.
- Leave a radio on, with a timer if necessary to simulate normal use.
- Ask a neighbour to park in your driveway.
- Arrange for neighbours to pick up flyers.
- Don't talk about your vacation plans with strangers or service people.
- Use your work address on your luggage tags so a potential burglar won't know where your empty house is.
- If practical, remove valuables from your home. Small valuables should be stored in a safety deposit box.
- Lock garage door.
Note: Before you leave, you should tell someone you trust:
- That you will be away
- How long you will be absent
- Whether or not you will have a house sitter
- The number where you can be reached
What to Do if Your House is Broken Into
- Despite your best efforts, a burglar may still penetrate your home. If you return to find that your house has been robbed:
- Don't stay - Always think of your safety first.
- Never confront a burglar or block the exit route.
- Go immediately to a neighbour's home or nearby location and phone the police.
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