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Why use an insurance broker?
At Bluenose Insurance Brokers we work for you, not the insurance company. We are at your side when you buy or upgrade your insurance or if you have to make a claim.
Brokers The value of objective advice
Insurance brokers are business people whose success rests on your satisfaction with your coverage, price and service. It's in their interest to understand your needs and negotiate on your behalf for competitive premiums–even if it means approaching several companies to find the right solution. Because your broker doesn't work for the insurance company, he or she can also assist you with objective advice if you have to make a claim.
Get informed help when you need it most
The insurance industry has become more complex with its own language of terms, legal issues and subtle details.You need a knowledgeable expert at every stage of the process to interpret all the rules and what they mean for you.Your broker's advice can also be invaluable as your insurance needs change and your requirements become more complex.
Finding us is easy! From our three offices in Sydney , St. Peters and Arichat or by phone or email. Please feel free to contact us at any time for all your Insurance Needs!
Don't be afraid to ask! When it comes to insurance, there is no question too basic. If there is anything you don't understand, don't be afraid to ask us. We are here to help.
What do I need to get an Auto Insurance Quote?
The more information, the better.
Getting an Insurance quote can be a quick and easy process. We provide several options such as; in person, by phone, or online. In general, the more we know about you and your driving record the better off you will be, even if your record is less than perfect. Full disclosure at the beginning will save any risk of misrepresentation if you do need to make a claim in the future. This is an area where your broker can be of particular assistance, helping you to navigate the terrain. There are three main categories of information required:
1. Information about you
- Names of the drivers of the vehicle to be insured. This usually includes all licensed members of your household since it is assumed that they will use the car. Provide their names as shown on their license, the number of years licensed and the percentage of time they will use the vehicle.
- Driving records will help us match your coverage requirements with the best Insurer for you. This will include driving convictions in the last three years and accident claims in the last six years.
- Insurance history for the preceding three to six years must be provided, including any cancelled, declined or refused insurance. • License history of all listed drivers must be provided for the preceding six years, including suspensions, cancellations or lapses.
- In provinces that have public insurance, all required information is already captured by the government.
2. Information about the vehicle Full information about the make, model and year are required as well as the Vehicle Identification Number or VIN. Also include the details of a lease if you have one, the purchase value, whether new or used, and the value of any modifications to the vehicle. If any other party has a financial interest in the vehicle this should be recorded so they are protected in the event of a loss.
3. Information about your coverage requirements Finally, you will need to provide information of how the vehicle will be used. Is it for pleasure or business? If it is for commuting, what is the daily estimated distance? What will the annual distance be? If for business use, will you be carrying paying passengers, renting the car out to others or transporting any goods? You will also need to indicate your choices regarding your coverage, for example, your preferred deductible, liability limit and coverage for any special situations, including storing the car or driving in the U.S. Your Best Insurance is an Insurance Broker
How are driving records determined?
Driving records are determined primarily by the number of vehicle accidents and traffic convictions you've had, as well as your Insurance History.
Are parking lot accidents normally split 50/50?
Not always. With many parking lots having roadways marked by specific lines of travel, the usual road rules may apply. Thus, when assessing fault, adjusters will look at the damage of the cars and how and why the collision occurred.
Do I have to pay for my insurance all at once?
Some companies and brokers allow payment plans of various kinds. But if your premium is minimum and retained it is unlikely you well get a payment plan. The best thing to do is ask your broker.
My car is five years old. Do I still need collision?
We would say 'yes', because a five year old car has more value than the amount of your insurance premium. But it is up to you.
Is my all terrain vehicle (ATV) covered by my Home-owners policy?
No, ATVs are excluded from Home-owners policies. You must buy an Auto policy for them. You can be charged by the police for driving with no insurance by merely crossing the road on one.
Will a comprehensive claim affect my premium?
While a comprehensive claim will not affect your driving record, it could affect your premium. Two or more comprehensive claims in a short span of time will likely affect your rate. Or, your insurer might ask you for a higher deductible, not offer this coverage, or cancel you altogether if you’ve had a number of comprehensive claims. Examples of comprehensive claims are theft, vandalism to your vehicle, or glass damage due to a pebble coming up from the pavement.
What is liability insurance?
Liability insurance covers the cost of damages (for accident benefits, medical costs, property damage, lawsuits and awards) in the event of personal injury or death from an accident involving the insured party. In other words, you are financially protected if you are held liable for an injury or loss by others arising from the operation of your vehicle. We strongly recommend that you increase your Liability Limit to a minimum of $2,000,000.00.