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Mon, 13th April, 2015 - Posted by Comments Off|
Almost every used vehicle sold in this country (either privately or through a licensed retailer) comes with a provincial/territorial safety standards certificate. And an equally large majority of consumers believe this document is a guarantee of the “roadworthiness” of the auto it’s issued to. Nothing could be further from the truth and relying on these standards to value the purchase of a pre-owned vehicle can be a costly mistake.
It’s no wonder we put too much stock into the value of a Ministry/Dept of Transportation (MOT) safety standards certificate. Sellers promote and advertise them as a solid-gold seal of approval and lead their customers to believe that these certificates and the inspections that create them will mean trouble-free motoring for years to come. A closer look at these standards and their specifications and the number of grey areas in their regulations can bring a new light on shopping successfully for a used vehicle.
Read more: How often should you change your car’s oil?
Drive-trains need not apply. Almost every component of a vehicle’s power-train (engine, transmission, axles, and differentials) is exempt from MOT safety inspections. That’s right, a car doesn’t even have to run to earn a MOT certificate (I suppose a vehicle that can’t move is one of the safest on the roads). If you’re considering an older used vehicle (more than five years/120,000 km) that isn’t covered by a factory or good comprehensive warranty, having a power-train inspection is a must. A bare minimum check should include a visual check over for fluid leaks and worn parts, a road-test by a qualified tech for an operations’ verification, and a computer scan to check for any active or stored trouble codes. A better option involves having spark plugs removed for inspection, fluids checked for condition, and having a compression test performed.
A diagnostic technician uses a laptop computer to diagnose and repair the brake system on a 2010 Toyota Prius in the repair shop of a Toyota dealership.
Steven Senne, AP Photo
Get steered straight. While most individual steering components on a car are required to be in good working order without excessive play/looseness in order to earn a MOT certificate, the overall accuracy of the steering geometry or wheel alignment does not have to be to factory specs. This can mean accelerated tire wear, a constant pull to one side when driving (a very tiresome affair) and additional stress on the entire steering and suspension systems. A vehicle doesn’t have to have been in a collision or abused to have a misaligned steering system. The natural aging process of the components can cause the settings to be lost. The cost of a wheel alignment inspection and adjustment is minimal compared to the price of ignoring this critical service. If you’re buying from a full service retailer, and the vehicle repair/maintenance history doesn’t reveal a recent wheel alignment, insist on one as a condition of the sale.
Don’t go broke with brakes. Because provincial/territorial standards in this area are so minimal, it’s often the biggest sore point with used-car deals. Brake linings can be worn to the point of 1/16” remaining in most jurisdictions and still earn a MOT certificate. That level of wear will barely get you a month’s worth of driving on average before new linings are needed. Most good retailers will demand that their service departments replace brake linings that are 50% worn. But to be certain you don’t get stuck with worn brakes, ask for the mechanic’s inspection report and if it doesn’t list the percentage of brake lining remaining and the vehicle has more than 25,000 km, you should request new linings.
Many cash strapped drivers are putting off repairs and refusing when service reps present maintenance and reconditioning estimates. But what can you really put off without risking higher expenses down the road or breaking down on a crowded morning commute to work?
Don’t get soft on suspension. It’s surprising, but one of the most crucial components of any vehicle’s suspension system, the shock absorber or strut, is not required to be in good working order to meet provincial safety standards. They simply have to be attached at both ends. If the hydraulic charge that supports them and controls suspension rebound is depleted the ride and handling will be severely compromised, but vehicles in this condition will still meet most provincial standards. The good news is that struts/shock design and manufacturing processes have come a long way and for the most part these units will deliver years of safe support. Testing them is easy. Simply push down on all 4 corners of a vehicle (1 corner at a time) and count the number of suspension bounces after releasing your weight. Any more than 2 and you’ve probably been compressing a weak shock/strut. If you’re a lightweight (your past New Year’s resolutions paid off) you may need the help of a companion.
Grey areas can hurt your grey matter. Consumers would be shocked at the lack of detail that most provincial technician and shop guides provide when it comes to verifying the safety systems on a modern vehicle. Airbag systems get little or no mention as do electronic stability controls, and newer collision mitigation systems. Often only the line “must work as intended” is there to guide the technician during his or her check over. If any instrument panel warning light is on, make sure you either know what the cost of repairing it is, or include its resolution in your purchase agreement. If you’re purchasing from a licensed and reputable dealer/retailer, you may have recourse other than the court system to rectify any serious problems.
Safety is more than sheet metal deep. Body defects will usually only fail a vehicle if there are severe problems such as rust holes that could allow exhaust gases to enter the passenger cabin, or missing mirrors, or inoperative door latches. But rust slowly takes its toll on our rides and often sheet metal can appear intact while still being rusted thin to the point of compromising structural collision integrity. Ask to inspect the underside of the vehicle while it’s on a shop hoist, lift cargo mats and check spare tire wells for water or moisture. Check floor carpeting for dampness.
A second opinion can save money. An independent inspection can be a real source of lemon repellent and good dealers/retailers will accommodate such a request with little fuss.
Mon, 13th April, 2015 - Posted by Comments Off|
|(Toronto, Ontario) Insurance brokers across Ontario, although not involved with the setting of automobile rates, are working hard to advocate for affordable automobile insurance, balanced with the benefits and protection consumers need.
On Friday, April 10, a study was released by the Ontario Trial Lawyers Association (OTLA) on insurance companies and auto insurance rates. The Insurance Brokers Association of Ontario (IBAO) is concerned about this misleading report as it deceives Ontario consumers.
The results of this OTLA report are misleading because the OTLA removed the 1/3 of insurance companies that were losing money from consideration. For this reason alone, this report cannot be taken seriously and in fact completely misleads Ontario consumers.
The report completely ignores that excessive legal fees and overzealous litigation are helping to drive up the cost of auto insurance. Currently, contingency fees are costing the system $500 million dollars per year. Many OTLA members currently benefit from a 40% contingency fee. The IBAO believes that contingency fees should be capped at 25% as they are in New Brunswick. This would assist in rates being lowered for Ontario consumers.
The IBAO applauded the Ontario government’s passing of Bill 15, the Fighting Fraud and Reducing Automobile Insurance Rates Act, in late 2014, which when fully implemented should help reduce the cost of auto insurance rates for consumers and improve access to justice with a more effective dispute resolution process. The OTLA consistently fought many of the fraud fighting reforms contained in Bill 15.
Bill 15 promises to tackle the issue of auto insurance fraud, which remains the number one cause for rising insurance rates, The faster fraud can be tackled, the faster premiums can be lowered for Ontario drivers in a responsible and effective way.
Fri, 10th April, 2015 - Posted by Comments Off|
Research in the area of climate change adaptation is currently in its early stages. Most of the effort and funding has been focused on climate change mitigation (i.e. reducing carbon outputs). While mitigation efforts are important in terms of slowing down the effects of climate change, more research is needed on how Canadians can adapt to the climate change realities that are already here.
To demonstrate our commitment to finding solutions, the Intact Foundation and the University of Waterloo have joined forces in support of the Climate Change Adaptation Project: Canada. The project’s first phase produced climate projections for Canada that look 10 and 40 years into the future, identifying the challenges for which Canada needs to be ready. The primary goal of the project is to identify and direct more detailed research into key areas and establish courses of action to help Canadians best adapt to changing climate conditions.
This important Canadian sustainability project presents a unique opportunity to be part of leading-edge research that will have a long-lasting impact at the local and national levels.
Fri, 10th April, 2015 - Posted by Comments Off|
Water damage has now surpassed fire as Canada’s leading cause of personal property claims. Examples of water damage include flooding, sewer backup, broken pipes, leaky plumbing, and more. To help avoid water damage in your home, take a few simple precautions to decrease the chances of it happening to you.
Talk to your insurance broker to review your policy and learn what coverage exists in regards to water damage
Your home’s foundation and basement are areas where significant, and often expensive, damage can occur. The origin of leaks is often traced to the foundation. Minor cracks in the foundation are not normally cause for concern; however, major cracks can represent substantial movement and can allow water to seep into your basement. Filling in foundation cracks and stopping them from spreading helps to prevent water damage and serious structural issues. To diminish risks of water damage in your basement:
A sump pump is a common and effective basement water collection system. Sump pumps collect water from the weeping tiles around basements and send it outside, away from your home. The sump pump is activated by a float switch that turns on when the water in the sump rises past a certain level.
To ensure your sump pump is in good working order, check the float to ensure it’s clean and moving freely by slowly pouring water into the sump tank. Watch for the float to rise and start the pump. Once the pump starts, the water level will quickly lower and the float will shut off the pump.
Backwater valves installed on the main water line of a home are an effective way of preventing sewer back-up. Many municipalities amended their building codes to ensure that backwater valves are installed in all newly constructed homes.
Wed, 1st April, 2015 - Posted by Comments Off|
Fri, 13th March, 2015 - Posted by Comments Off|
|Home and auto policies now delivered by epostTM
For our Broker Partners across Canada except Quebec
We’re excited to announce that effective March 16, 2015 your customers now have the option to receive their policy documents online through epost, providing convenience, speed of delivery and security.
This new service is available to your customers with home and/or auto direct bill policies, including those who have Combined Policy (in provinces where it is available). It’s a secure and convenient way for your customers to store and access policy documents online, anytime.
What you need to know
For more information contact us at Expo Insurance Brokers Inc.
Mon, 9th March, 2015 - Posted by Comments Off|
Cold weather preparedness is important to help reduce potential business interruptions and related losses resulting from cold temperatures.
In severe cold, water pipes have the potential to freeze and break. If safe to do so, make sure pipes that are located in isolated and/or poorly heated spaces are shut off and drained or protected with a supplemental heating source.
Fire protection sprinkler systems are dependent on the ability of water to flow freely when needed. Ensure that wet piping systems, which may be subject to cold temperatures, are sufficiently heated to prevent freezing.
Severe cold weather can also delay the response time of the local fire department; therefore, it is imperative to properly maintain your fire protection systems.
Lastly, if heating is lost in a building protected by wet sprinklers, it should be restored immediately. Only after exhausting all options to re-establish sufficient heat, sprinkler systems should be shut off and completely drained. If this is necessary, be sure to take appropriate precautions, including notifying local fire officials and Travelers by using the Travelers impairment notification program “Fire Protection Impairments – Are You Prepared?”
Some prevention strategies to consider: