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Mon, 24th November, 2014 - Posted by Comments Off|
4 Signs Your Vehicle Battery Might Not Last Through Winter by CAA South Central Ontario.
Bone-chilling temperatures gripped southern Ontario during this past winter – one of the longest and coldest in 20 years. Parts of the province plunged into a deep freeze and ‘polar vortex’ made its way in to everyday conversations.
Before the deep freeze returns this year, remember to have your car battery tested by a professional to make sure it is ready to face another frigid winter.
“The harsh winter temperatures can drain the power from your vehicle’s battery,” said Silvana Aceto, Communications Consultant, CAA SCO. “Before you try to start your car, make sure you have turned off all your accessories including the heater, radio and lights.”The average lifespan of a battery is 3-5 years, but driving conditions, weather and lack of care can shorten it.
Here are some warning signs that your battery may need to be replaced:
Your vehicle cranks slowly when trying to start.
You hear a grinding, clicking or buzzing when you turn the ignition on.
Your vehicle has previously stalled.
Your headlights dim when you are idling but brighten when you rev the engine.
Tue, 11th November, 2014 - Posted by Comments Off|
Wed, 5th November, 2014 - Posted by Comments Off|
Intact Insurance Company,my Driving DiscountTM
Some people have better driving habits than others. That’s why we have developed a program that rewards good driving behaviour for our clients at Intact Ins. With my Driving Discount, you could save up to 25%* off your auto insurance premium. Want more information Contact Your Insurance Broker Expo Insurance Brokers Inc. at (905) 212 7007 today.
Getting started in three easy steps
Step 1: Sign up with your Broker Expo Ins Brokers
Enrolling in the my Driving Discount program is quick and easy and you automatically get a 5% discount when you sign up. Do you already have an automobile insurance policy with us? You can enrol in the my Driving Discount program with your broker. Looking to insure your car with Intact Insurance and sign up for my Driving Discount? Start by getting a quote.
Step 2: Set up
Your my Driving Discount device will come in the mail a few days after you enrol in the program. Just plug it into your vehicle’s OBD port and start the engine.
Once your device is connected, you’ll get an email containing a user name and password that will give you access to yourmy Driving Discount Website.
Step 3: Save
Depending on your driving habits, you could save as much as 25% off your auto insurance at your next renewal.
Simply plug-in and you could save.
Plug the my Driving Discount device into your car and we’ll start collecting the data we need to help you save. We’ll review your acceleration, braking, and time of day that you drive, based on the kilometres driven.
Connecting your my Driving Discount device is as simple as locating your OBD (On Board Diagnostic) port. It’s a small socket in your car that can usually be found under your dash, near the steering column. If you need help finding yours, check your vehicle owner’s manual.
Mon, 3rd November, 2014 - Posted by Comments Off|
How to Properly Stock Your Car Safety Kit for Common Emergencies From CAA South Central Ontario.
Before drivers had roadside assistance, cell phones and GPS systems to depend on in case of emergencies, there was the safety kit.
Once a staple in car safety, these kits have all but been replaced by the accessibility and comfort provided by the technological resources increasingly available to drivers. With help only a touch of a button away, it’s no surprise that many drivers are now forgoing the traditional safety kit. But while the latest safety approaches are proving to be beneficial, drivers need to remember that cell phones can die or lose signal, and therefore should always have a backup plan prepared. By purchasing a roadside safety kit or creating one from scratch, motorists can provide themselves with care while assistance is on its way.
When creating your own safety kit, keep these 12 items in mind:
Warm clothing (hat, gloves, boots)
Flashlight with back-up batteries
Ice scraper & collapsible shovel
First aid kit (bandages, instant ice packs, scissors, aspirin, gauze, adhesive tape, antiseptic cream, first aid instructions)
Multi purpose tool, or any of the following; a flat head screwdriver, pillers, vise grips, adjustable wrench, lug nut wrench or tire iron
Tire inflator & tire pressure gauge
Bottled water and energy bars
BONUS extreme cold necessities:
Flashers and flares
Did you know that *any* cell phone (even without an active service plan) can call 9-1-1 on any network it can connect to? If you’ve got an old spare, consider keeping it and a spare battery/charger in your emergency kit.
Thu, 30th October, 2014 - Posted by Comments Off|
3 Must-Read Halloween Safety Tips From CAA South Central Ontario.
To the delight of children around the world Halloween has once again reared its spooky head and brought pumpkins, costumes, and bagfuls of candy to neighborhoods all over the world. As the only exception to the age-old “don’t take candy from strangers” adage, some extra precautions should be taken to ensure your child’s safety tonight. Whether you’re on your first or 10th annual outing, here are a few tips and Halloween safety precautions that no responsible guardian should be without.
As your child anxiously awaits sunset by the window this evening, run a quick visual check to ensure they’re wearing some sort of reflecting material (like the kind you’d find on a construction worker’s vest, for example). Many new children’s costumes include materials such as this for safety purposes, but failing that, you should be able to find a blinking light at any department store made to alert pedestrians and oncoming traffic of their position. You could even pick up a few glow sticks to double as costume accents, too! Staying visible is a large part of staying safe, so make sure your child stands out!
If you’re a native Ontarian you know that a crisp autumn evening can quickly turn frigid. That’s why it’s important to keep your trick-or-treater bundled up during their after-dark excursion. It might be harder with some costumes than others, but be sure to dress your anxious little ones as warmly as possible before you head out the door (or at the very least, carry along some mittens and a cap in case they need it later). Nothing ruins an all-day candy splurge like the sniffles and a nagging cough! Which leads us into our next tip…
The Seal of Approval
As long as there have been trick-or-treaters, there have been concerned parents who check their candy. Though largely embellished and actually quite isolated and rare, dangerous treats will always be a worry to guardians who feel it is their duty to inspect each and every wrapper. The easiest way to tell if your child’s candy has been tampered with is to test its seal; simply squeeze the treat and throw it out if you discover any holes, tears or perforations with or on the packaging. Here’s a tip: send your child away to change into their pajamas before they’re allowed to have any candy. This will give you some time to inspect and throw out any unwrapped or torn pieces in private without your child being any wiser. Take it from a former treat-or-treater – nobody likes seeing candy go to waste.
Above all else help your kids have fun! They’ve likely been looking forward to this night for weeks so try to ignore your aching feet when they inevitably ask for “one more house” (likely more than once). Besides the more candy they collect the more you have access to after they fall asleep. I’m looking at you, Dad!
Happy Halloween from CAA South Central Ontario and don’t forget to check out our Halloween driving safety tips!
The statistics speak for themselves: according to the Small Business Administration, nearly 50 percent of all small businesses fail within the first five years of their existence.
At the same time, the success of small business is crucial to the success of the American economy. According to the July ADP National Small Business Report®, small businesses accounted for 39 percent of employment gains across all payroll groups for the month.
Despite new laws and regulations aimed at helping small businesses, however, U.S. entrepreneurs continue to face unnecessary obstacles to their success. These include heavy tax burdens and time-consuming regulatory red tape that put them at a disadvantage against competitors in less burdensome regulatory environments. As CEO of one of the nation’s largest insurers of small businesses, I sadly see evidence of this every day, both anecdotally and in the data.
There are three steps that could be taken to help small businesses survive and prosper during their early years:
There is good reason to think these changes would make a difference. Just look at some of the states with the highest rankings for friendliness toward entrepreneurs, including South Dakota, Texas and Wyoming. They have lower taxes and lower levels of regulation than most other states, and their unemployment rates are lower than the national average, according to the Small Business and Entrepreneurship Council.
Such business-friendly initiatives are not limited to what might be considered traditionally conservative regions. In New York City, then-Mayor Michael Bloomberg, in partnership with the city council, created a one-stop office to help privately owned restaurants obtain permits and cut through municipal red tape. This successful effort assisted in the creation of over 6,000 food-services industry jobs.
As our communities work to overcome enduring obstacles to small business success, it is important that we also are aware of new and emerging risks – such as limited access to capital – that contribute to an even more challenging business environment.
In 2011, Travelers launched a small business advocacy project called “Small Business – Big Opportunity.” The campaign helps raise awareness about the challenges small businesses face across the country and offers solutions that can be put in place. Through the Small Business Risk Education program, we also are working with regional non-profit organizations to help minority- and women-owned businesses better anticipate risks to their businesses. Business owners enrolled in the program are made eligible to apply for microloans that can help execute their risk mitigation plans and, ultimately, grow their businesses.
The nation’s future depends on the success of small businesses. We need to take steps to support the engines of our national and local economies by creating a regulatory environment that enables small businesses to grow from start-ups to time-honored companies, creating jobs and supporting our communities along the way.
To think big, we first need to embrace small.
Jay Fishman is Chairman and CEO of The Travelers Companies, Inc. Travelers is a leading provider of property casualty insurance for auto, home and business. A component of the Dow Jones Industrial Average, the company regularly participates in matters of importance to the insurance and financial services industry, as well as the economy more broadly, through its public policy division, the Travelers Institute.
Travelers encourages homeowners to focus on their roofs this fall
With fall here, wind, rain, hail, and winter storms are ahead. To help your clients protect their property and belongings, we recommend they inspect their roofs for damage and undertake any necessary repairs. Travelers recently released specific steps your clients can take to help prevent potential damage: