Fall is quickly approaching, and while hopefully everyone has had their fair share of summer it is time to start thinking about your seasonal homes and vehicles and a few tips that can save you money this fall on your insurance and ensure you're properly covered through the winter. Motorcycles, trailers, and summer cars are examples of seasonal vehicles that you may have going into storage soon, and it's important to have proper coverage and how to avoid unnecessary fees. Make sure seasonal vehicles are a part of an auto policy before cancelling plates to ensure you get better rates and proper coverage while in storage. Vehicles must be added to an auto policy to ensure coverage while in storage and you will save money by receiving a substantially better rate when cancelling plates. In the case of motorcycles, cancelling your plates after the vehicle has been added to an auto policy allows you to pay an often smaller flat rate while cancelling them without being added to an auto policy results in a fee based on dollar value of the motorcycle. It's important to note that your home policies do not cover these vehicles.
Please feel free to phone us (1-888-450-2700) or stop by our office to check that other seasonal property like boats or ATVs are properly covered and that your seasonal home coverage is correctly valued throughout the winter. Further information and clarifications can be found here.
This summer SGI Canada introduced a revamped approach to cargo insurance called 'Cargo Secure'. This new package was designed to add more coverage, innovative new features and preferred rates. It was also designed with simplicity in mind, removing much of the fine print.
"In developing Cargo Secure, SGI Canada wanted to rethink cargo insurance coverage from the ground up. Most cargo Insurance policies were developed decades ago around the idea of insuring only the minimum requirement of the law, and had very little to do with addressing the needs of the trucking industry."
To further address the needs of the trucking industry SGI Canada has included the following as part of their standard coverage with Cargo Secure:
- All-risks coverage
- Blanket all vehicles
- Blanket all commodities
- Loading and unloading
- $100,000 30-day warehouse (owned or non-owned locations)
- Erecting, dismantling or installing (in conjunction with In Transit)
- Goods of others
- Owned goods
- $5,000 per loss / $25,000 annually for contractual penalties
- $25,000 debris removal (in addition to what is already provided)
- Defense costs
- $25,000 freight charges
- Liberalization clause
- Cross liability clause
- $5,000 theft or hijacking reward
- Enhanced valuation clause (actual cash value)
- Enhanced definition of In Transit
- Mechanical breakdown coverage
- $25,000 alcohol and tobacco limit
- $25,000 livestock limit
- $25,000 painting, statuary and fine arts limit
- $25,000 tarps, chains, straps and onboard electronics limit
- Goods In Transit includes by land as well as regularly scheduled airlines, rail car, ferry or transfer barge
For more details on Cargo Secure don't hesitate to call our office at 800-450-2700. For an online quote please download and fill out the Motor Truck Cargo Questionnaire.pdf (870.58 kb) and email it to us at broker@alhattieinsurance.ca.
Brook's is a member of the Stallions baseball team and was a close friend of Dylan Nahorniak. Since Dylan's tragic accident in September 2010 Brooks hasn't cut his hair and made a goal to raise money for the Breast and Prostrate Cancer foundations of Canada. He has made a personal goal of $3000 by the Rawlco Radio Marathon in October to shave his hair. He has made a second goal of raising $1000 for 'Movember' to shave his beard, which he has also been growing since the accident.
To help Brooks reach his goals, and help support two great causes very dear to us, we will collect donations on his behalf until the fundraising events take place in October and Novemeber 2013. Donations can easily be made in our office at 3020C Arlington Ave in the Eastview Shopping Mall, Saskatoon. If you wish to donate online, please add Al Hattie Insurance to your bank's online/email transfer list, and when making the transfer use the code CANC02 to donate. Please dont hesitate to call us at 1-888-450-2700 if you have questions or need assistance. Thank you from our family.
As of June 19th, SGI will be using a new set of questions regarding your Vehicle Registration eligibility in Saskatchewan. They will be using different questions to determine residency within the province, and to gather more information on the use of vehicles (be it for passengar or commericial use). A more in depth series of questions will be required when using vehicles for commercial purposes, which will relate to the types of industry the vehicle will be used within.
Another new feature will be vehicles bought out of province may be eligible for a 28 day deferral from inspection if they have the proper documentation. Please call our office during operating hours for details on what specific documents will be required for your out of province vehicles being registered in Saskatchewan (888-450-2700).
We would like to thank everyone who came out (despite a little weather) to our mall's annual Customer Appreciation Day on June 8th! All of the events were a great success and we are looking forward to doing it all again next year.
A big thanks to the people from Shred-It, the team from Child Find for running the Child ID Clinic, and the people from SGI who ran a 'record setting' Car Seat Clinic, checking 36 car seats. Also a thank you to everyone who could make a donation to the Saskatoon Food Bank.
She was the big winner of the $500 gift card to WalMart!
