If you are an Ontario driver, you should have already received a second notice in the mail from your insurance company highlighting the important changes that are being made to your auto insurance policy. If you haven't received any communications or information from your insurance company, call your broker or agent to learn more.

Believe it or not getting a ticket for speeding just 10 km per hour over the limit can cost you a lot more in the long run than paying a minor fine. Unfortunately, the relationship between tickets, demerit points and your insurance rates is misunderstood by many drivers. However, the relationship is an important one given the impact it can have on your driving record and the amount you pay for your insurance.

If disaster were to strike and all of the valuables in your home were stolen, would you be able to report the details of all your belongings to your insurance company? You likely have some idea of all the valuables in your home and their appropriate costs, but do you have all of the necessary supporting documentation? Moreover, do you know which of your valuables are covered under your policy? To make sure you are prepared in the event of a loss follow these key steps.