Life insurance is something most people do not think about until a major life change causes them to consider what might happen to their loved ones should a tragedy occur. Marriage and the birth of a child are the two most common events that lead people to look at life insurance, and although they are both good reasons to prepare for the unforeseen, they are not the only good time to buy life insurance. In fact, in general the right answer to the question of when to buy life insurance is: now. Read more
Demerit points are placed on your licence as the result of a conviction of a traffic offence. The number of points you receive depends on the severity of the charge against you. Demerits can accumulate, so that adding points during the time (usually two years) it takes for points to fall off your licence will mean they are added together. Demerit points can have a very negative effect on your driving privileges, and they affect your car insurance although not directly. Read more
Police in Canada give out a lot of traffic tickets every day, and among them the same violations appear frequently. These common traffic tickets are the reason for the majority of traffic stops and also a common reason why Canadians see increases on their car insurance. Unfortunately, these driving habits that earn drivers a traffic ticket are the same habits that frequently cause car accidents; just another reason to be more careful and aware of your actions on the road. Read more
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