Billyard Insurance Group

Driving in the rain poses several challenges that motorists must account for. From limited visibility to slippery roads, the need to practice safe driving during rainfall is essential. In our latest blog, we explore some important tips that will help you navigate wet conditions with confidence. Visit the link below to learn more!

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Your Guide to Safe Driving in the Rain | BIG Blog Driving in the rain requires extra caution and adjustments to your driving habits to ensure safety. Follow these essential tips to reduce the risk of accidents and stay safe on the road during rainy weather.

Wishing everyone a safe and happy Labour Day! Whether you're spending time with family, exploring the outdoors, or simply relaxing, remember to stay safe and savor every moment of this long weekend. Cheers to a restful and joyful Labour Day from all of us at Billyard Insurance Group!

Looking to lower your home insurance premiums? We've compiled some helpful tips and discounts that can save you money while keeping your home protected. Read our latest blog to learn how simple actions can lead to BIG savings!

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How to Lower Your Home Insurance Rates | BIG Blog Looking to save on your home insurance? Learn about various discounts and steps you can take to protect your home and secure the lowest rates possible.

The school year is quickly approaching! If you are heading off to college or university, here are some essential tips that will help make for a smooth and successful school year:

1) If you are moving away for school, tenant insurance is a must. Tenant insurance offers coverage if your personal belongings are damaged in an unforeseen event, such as a flood or fire. It also provides liability coverage if you cause damage to your rental as well as covering the costs of living expenses if your home becomes uninhabitable due to an insured event.

2) Whether you are commuting to campus or need access to a vehicle, booking a car maintenance check-up before the school year starts is a wise decision. Make sure your brakes, tires, and fluids are all in good condition to avoid any accidents, breakdowns or costly repairs when you're on the go.

3) Let your insurance provider know if you are living out of town and will be taking a family vehicle for the entire school year. This would make you the primary driver of the car and will likely require you to update your auto insurance policy so that you have proper coverage.

By taking these steps and staying proactive, you can focus on your studies with peace of mind, knowing you’re protected and prepared for whatever the school year brings.

Life insurance isn't just for later in life - it's essential for young families too! Our latest blog dives into why securing financial protection for your loved ones is so important. Learn how life insurance can provide peace of mind, safeguard your family’s future, and ensure they are taken care of if the unexpected happens. Visit the link below to explore coverage options and get tips on finding the right plan for your family:

https://www.thebig.ca/blog/title/life-insurance-for-young-families

Life Insurance for Young Families | BIG Blog Shopping for life insurance is an important step for many young families. Read this blog to discover different coverage options and to learn how life insurance can provide financial security for your loved ones if the unexpected occurs.

Planning a trip to Canada or hosting family and friends from abroad? Discover everything you need to know about Visitors to Canada Insurance in our latest blog post! We'll break down what Visitors to Canada Insurance is, what it covers, and when it's essential to have it. Visit the link below to learn more!

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Visitors to Canada Insurance Explained | BIG Blog Ensure a safe and worry-free stay in Canada with Visitors to Canada Insurance. Read our latest blog to learn more about this essential coverage!

Think you know everything about insurance? Think again! Here are 4 common myths you should know:

1) Red Cars Cost More to Insure: Many believe red cars are more expensive to insure due to the assumption that they are driven faster and are more prone to accidents. However, insurance companies do not consider car color when determining premiums.

2) Comprehensive Insurance Covers Everything: Comprehensive insurance covers a wide range of damages, such as theft, vandalism, and natural disasters, but it does not cover everything. It typically does not cover damages from a collision, which requires collision coverage.

3) Tenants Don't Need Insurance: Many people who rent a house or apartment often believe they don’t need insurance, but tenant insurance is important as it covers personal belongings and provides liability coverage.

4) Life Insurance Isn’t Necessary If You’re Young and Healthy: Young and healthy individuals might think they don’t need life insurance, but purchasing a policy when you’re young can be more cost-effective and ensure coverage for unforeseen circumstances.

Don't let these myths misguide you. Get the right information and protect what matters most. If you have any questions regarding your insurance, be sure to contact a BIG broker so you can better understand your coverage.

Thinking about modifying your vehicle? Before you make those upgrades, it's always wise to find out how they can impact your auto insurance! From performance enhancements to customizations, modifications can affect your premiums and coverage. Check out our latest blog to learn how you can find the right insurance for your modified vehicle and ensure you have adequate coverage. Stay informed and drive smart!

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Vehicle Modifications & Auto Insurance | BIG Blog Planning to modify your vehicle? Be prepared! Understand how these changes affect your auto insurance premiums, coverage, and policy validity.

Thinking about becoming a landlord? Here's what you need to know before taking the plunge! From listing your property to choosing the perfect tenant, advertising effectively, understanding write-off expenses, and securing the right insurance, our latest blog covers it all. Visit the link below and discover the essential steps and tips to make your landlord journey smooth and successful.

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Tips For Becoming a Landlord in Canada | BIG Blog Thinking about becoming a landlord in Canada? Discover essential tips on navigating the rental market and ensuring success with this quick guide.

Whether you're relaxing at the cottage, exploring the great outdoors, or enjoying downtime with family and friends, we hope you're making the most of this long weekend. Stay safe, have fun, and create unforgettable memories!

Dreaming of a spontaneous summer getaway? Before you jet off to your sunny destination, make sure you don’t forget the most important item – travel insurance!

Why is travel insurance a must for your last-minute vacation?

1) Medical Emergencies: If you fall ill or have an accident abroad, travel insurance covers your medical expenses, ensuring you get the care you need without the hefty bills.
2) Trip Cancellations: Life is unpredictable. If an emergency forces you to cancel or interrupt your trip, travel insurance can reimburse you for the non-refundable costs, saving you from financial loss.
3) Lost Luggage: Nothing can ruin a trip faster than lost or delayed luggage. Travel insurance compensates you for your lost belongings, so you can quickly replace essential items and enjoy your vacation.
4) Peace of Mind: Knowing you're protected against various potential mishaps allows you to fully relax and savor every moment of your trip. Whether you're lounging on the beach or exploring new cities, travel insurance gives you the peace of mind you deserve.

Don't let unexpected surprises spoil your spontaneous adventure. Ensure your trip is filled with joy and worry-free memories. Safe travels!

Canada's diverse climates and road conditions make vehicle reliability crucial. In our latest blog, we explore what makes a car reliable, discuss top car brands, and highlight the importance of factors like design, materials, repair costs, recall rates, and customer reviews. Discover the most reliable car brands in Canada and make an informed decision for your next vehicle!

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The Most Reliable Car Brands in Canada | BIG Blog Explore some of the top reliable car brands in Canada, taking an in-depth look at what sets them apart, including design, materials, and recall rates. Read more here!

Handling a tire blowout can be a frightening experience, but staying calm and knowing what to do can help you manage the situation safely. Here’s a step-by-step guide on how to handle a tire blowout:

1) Stay Calm: Keep your composure to handle the situation effectively.

2) Maintain Control: Grip the steering wheel firmly and keep the car straight.

3) Ease Off the Gas: Gradually release the accelerator; don't brake suddenly.

4) Slow Down Gradually: Allow the car to decelerate on its own.

5) Move to Safety: Signal, turn on hazard lights, and carefully steer to a safe location.

6) Stop and Assess: Once safely off the road, bring the vehicle to a complete stop, turn on hazard lights, and check the damage.

7) Call for Help: If necessary, call roadside assistance or a towing service.

By following these steps, you can manage a tire blowout safely and minimize the risk of an accident. Safe travels!

Looking to boost your home's value? Here are four renovations that can make a big impact:

1) Kitchen Remodel: Updating your kitchen can provide a great return on investment and make your home more appealing. A modern kitchen is often a key selling point for potential buyers.

2) Bathroom Upgrade: Modern fixtures and new tiles can transform your bathroom into a luxurious retreat. An upgraded bathroom can significantly increase the comfort and functionality of your home.

3) Finished Basement: Adding living space and functionality to your home with a finished basement can attract buyers and increase value. It’s an excellent way to maximize the use of your home’s square footage.

4) Energy-Efficient Windows: New windows can improve your home's energy efficiency, saving you money and appealing to eco-conscious buyers. They also enhance your home's aesthetic and curb appeal.

If you plan on renovating your house at all, don't forget to let your insurance provider know. Doing so ensures you have adequate coverage, streamlines claims processing, and keeps you in compliance with policy requirements.

Our Canadian landscape is filled with beautiful wildlife, but as cities grow larger and highways continue to expand, we encroach on the natural habitat of many of these animals. This means the wildlife we work to protect are more frequently finding their way into developed areas and onto our roads.

It’s important to know what to look out for on the roads to ensure your safety and avoid a collision with wildlife. In this blog, we will share some tips on what to do if you hit a deer, how to reduce your risk of a wildlife collision, and how an accident with a wild animal could impact your insurance.

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What to Do if You Hit a Deer with Your Car | BIG Blog Not sure what to do when you hit a deer? Read our guide to learn what to do following the accident. Get a car insurance quote for free.

Planning a trip soon? Before diving into your travel plans, make sure your passport is up to date. Here are a few tips to ensure your passport is ready for takeoff.

1) Check the Expiry Date: Many countries require your passport to be valid not just for the duration of your stay but also for a period beyond your return date. Check this well in advance to avoid any issues.

2) Inspect for Damage and Confirm Personal Details: Ensure your passport is in good condition and any name changes are updated. A damaged or incorrect passport could be rejected.

3) Blank Pages: Make sure your passport has enough blank pages for visas and entry/exit stamps. If not, you may need to apply for a new passport at your nearest Service Canada Centre or Passport Office.

Wherever your travels take you, make sure contact a BIG Broker so you secure the travel insurance coverage you need to enjoy your trip with peace of mind.

Whether you're heading out on a long road trip or just running errands around town, ensuring you are prepared for the unexpected is important. Here are five essential items you should have in your car in the event of an emergency.

1) First Aid Kit: Perfect for handling minor injuries, a well-stocked first aid kit includes bandages, antiseptics, pain relievers, and more to ensure you're ready for any small medical mishap.

2) Jumper Cables: A dead battery can happen to anyone, and having jumper cables on hand means you can get your car started quickly with a little help from another vehicle.

3) Spare Tire & Tools: Flat tires are common, so having a spare tire and the tools needed to change it ensures you're not stranded waiting for roadside assistance.

4) Emergency Blanket: This item is crucial for staying warm if your car breaks down in cold weather, providing insulation and comfort until help arrives.

5) Flashlight: A reliable flashlight is essential for visibility during night-time emergencies or repairs, helping you see clearly in the dark.

Stay safe and prepared on the road by keeping these items in your car at all times!

As temperatures rise and days grow longer, summer becomes a joyous time for us and our pets. That said, it's also a period when our furry friends face increased risks and potential health issues. This makes summer a crucial time to consider pet insurance. In this blog, we’ll outline what is covered by pet insurance and highlight a few reasons why it’s important to ensure your pets are covered this time of year.

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Pet Insurance Tips for Summer | BIG Blog Explore the importance of pet insurance and how it protects your pets from unexpected veterinary costs. Learn about the benefits this coverage plays during the summer months so that your furry companions can stay healthy and safe all year round

Summer is here, and while we love the sunshine and warm weather, it’s important to remember to keep our furry friends safe and comfortable. Here are 5 tips to help your pets beat the heat:

1) Hydration is Key: Always ensure your pets have access to fresh, cool water. Carry a portable water bowl if you’re on the go.

2) Shade and Shelter: Provide shaded areas for your pets to rest. If you’re outside, bring an umbrella or tent to create a cool spot for them to relax.

3) Avoid Peak Heat Hours: Walk your dogs early in the morning or late in the evening when temperatures are cooler. Hot pavement can burn their paws!

4) Cool Treats: Treat your pets to ice cubes, frozen pet-friendly treats, or even a pet-safe ice cream to help them cool down.

5) Grooming: Regular grooming can help reduce your pet's risk of overheating. Brush them regularly to remove excess fur.

Keep these tips in mind and enjoy a safe and happy summer with your pets! For added peace of mind, visit thebig.ca/pet request a quote for pet insurance to keep them safe all year round!

Summer is a magical time filled with endless possibilities for outdoor adventures. However, amidst the fun and exhilaration, it's crucial to remember the importance of having the right insurance coverage to keep you protected. In this blog, we'll delve into how insurance plays a vital role in safeguarding your summer adventures, offering peace of mind so you can fully enjoy your experiences.

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Coverage for Your Favourite Summer Activities | BIG Blog Discover the importance of insurance for your summer activities, from boating and camping to adventurous travels. Learn how boat, RV, and travel medical insurance keep you protected and offer peace of mind during your outdoor adventures.

Whether you're a new driver or a parent of a teenager learning to drive, proper driving education is crucial. In our latest blog, we explore the costs of driving classes, the benefits of professional instruction, and how taking this proactive step can impact your auto insurance rates. Give it a read so you and your family can hit the road with confidence!

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How Much Does Driving School Cost in Canada? | BIG Blog Understanding the cost and benefits of driving school in Canada is essential for new drivers. This guide delves into driving school prices, the advantages of professional instruction, and the potential impact on auto insurance rates, helping you make informed decisions for safer driving.

Happy Canada Day, everyone! Let's celebrate the beauty, diversity, and spirit of our great nation together. Enjoy the festivities and stay safe!

Canada Day is a wonderful occasion to gather family and friends for a day of celebration. Hosting a Canada Day party at home can be a fantastic experience, but it's essential to plan carefully to ensure the safety and well-being of all your guests. This guide will help you host the ultimate Canada Day celebration, focusing on safety measures that will keep everyone protected while having a great time.

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Safety Tips for Canada Day Celebrations | BIG Blog Celebrate Canada Day safely and ensure a secure environment with tips with easy-to-follow tips for hosting a party. Learn how having the right insurance in place insurance can help protect you against any accidents or mishaps so that you can enjoy a fun-filled day with family and friends.

With summer in full swing, it's the perfect time to make a splash! Here are 5 essential safety tips to ensure your pool stays a fun and secure place for everyone:

1) Install a Safety Fence: Keep your pool area enclosed with a self-latching, lockable gate to prevent unsupervised access.

2) Supervise Always: Never leave children unattended around the pool. An extra set of eyes can prevent accidents.

3) Learn CPR: Equip yourself and your family with life-saving skills. CPR can make a critical difference in emergencies.

4) Secure Pool Covers: Use safety covers when the pool is not in use to keep out children, pets, and debris.

5) Keep Rescue Equipment Handy: Have a life ring, life hook, and a first aid kit near the pool at all times.

Stay safe and enjoy some fun in the sun!

Depending on the circumstances, driving at nighttime can be a peaceful experience or a taxing necessity. Whether you're embarking on a road trip under the stars, returning home from a friend's house, or leaving work after a late shift, the darkness introduces unique challenges. No matter your reason for getting behind the wheel, prioritizing safe driving practices at night is a must. Read this blog for some crucial nighttime driving tips to help you reach your destination safely.

https://www.thebig.ca/blog/title/safer-driving-at-night

Essential Safety Tips for Driving at Night | BIG Blog Driving at night time presents unique challenges and requires extra caution and care. Read this blog for some easy-to-follow driving tips that can help you avoid accidents, keep your car insurance rates down, and prioritize safety while on the road.

Today, we honour and celebrate the vibrant cultures, rich histories, and invaluable contributions of Indigenous peoples across Canada. National Indigenous Peoples Day is a time to recognize the resilience, strength, and wisdom of First Nations, Inuit, and Métis communities. Let's commit to listening, learning, and standing in solidarity with Indigenous voices.

Earlier this year, drivers in Ontario were given a new choice to make regarding their auto insurance coverage: whether or not to keep Direct Compensation Property Damage (DCPD). While previously mandatory in all car insurance policies, the introduction of an endorsement known as OPCF 49 now allows motorists to opt out of this coverage, creating a decision that requires careful consideration.

In this blog, we’ll explore how DCPD protects drivers, explain Ontario’s no-fault insurance system, and provide some reasons why you may or may not want to remove DCPD from your car insurance policy. Click the link below to learn more!

https://www.thebig.ca/blog/title/should-you-remove-dcpd-coverage

Is Removing DCPD Coverage Worth it? | BIG Blog Discover the impacts of removing Direct Compensation Property Damage (DCPD) coverage from your Ontario auto insurance policy. Learn how this new option affects coverage, premiums, and financial risk. Read on to receive expert guidance on making the best decision for your circumstances!

Eid Mubarak! Wishing everyone a joyous and blessed Eid al-Adha. May this special day bring you closer to your loved ones and fill your hearts with love, peace, and happiness.

Happy Father's Day to all the incredible dads out there! Your strength, love, and dedication inspire us every day. Here's to celebrating you and all that you do.

As of July 31st, the Niagara Regional Council has enacted a bylaw to make masks mandatory in all indoor public spaces. In order to comply with this bylaw, BIG will require masks be worn in the lobby areas of all branches in the Niagara Region. We appreciate your cooperation to slow the spread of COVID-19.