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Hello,
Here's your copy of the June 2009 issue of the Xpress
Infoinsurance bulletin - a great way of catching up on the latest news from the world of insurance.
This month, you'll find information on:
- Changes to the Fichier central des sinistres automobiles (FCSA);
- Insurance and moving;
- Fireworks.
Changes to the Fichier central des sinistres automobiles (FCSA)
FCSA is the database which tracks any claims you've made over the past six years. Insurers use it to determine the risk you represent as a driver. An important change was made to the FCSA effective April 1, 2009. Accidents are now attributed only to the 'custodian' of the vehicle at the time of the accident. The custodian is the person who was driving the vehicle when the accident occurred or, in the case of an accident without a driver, the person who had physical custody of the damaged vehicle. Click here to find out more about the changes.
Insurance and moving
You've been renovating your new home and realize you can't move in all your belongings in one go. You have two choices. One option is to spread out your move over several days. In this case, you should look into whether your contents are insured at both locations. A number of policies cover all your belongings during transportation and give you a 30-day period to complete your move. Your other option is to warehouse your belongings. You should know that, in this case, your insurance policy does not cover you if your belongings are stolen. However, if you were to suffer another type of loss, for example a fire, your policy would cover no more than 10% of the amount written for your personal belongings. For example, if your belongings are covered for $25,000, you are entitled to a maximum indemnity of $2,500. Find out whether the owner of the warehouse has insurance that would protect you in case of theft. If not, you could look into additional coverage. Click here to get important information regarding your insurance during a move.
Fireworks
Summer is a great time to have fun and some of you will want to celebrate with fireworks. Before you do, make sure you follow the safety rules to avoid an unfortunate accident. To start with, take the time to read the instructions. Fireworks should only be used outside in an exposed location. Also, keep spectators at least 20 metres away and have a bucket of water or a hose handy. Click here to read about the safety measures you'll need to take to put on a successful and safe fireworks show.Bookmark www.infoinsurance.ca and come back often for the latest insurance news.
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