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Latest News from Al Hattie Insurance

Learning From Losses: Collision With A Locomotive

posted by Al Hattie Insurance    |   March 30, 2015 07:00

LOCATION:
Rural Saskatchewan road

CAUSE OF LOSS:
Collision with a locomotive at an uncontrolled railroad crossing

COST OF LOSS:
Total paid/reserved: $650,000. (Trailer: $50,000; Property damage to train: $600,000;
Loss of earnings/business interruption due to damage to train tracks and locomotive: undetermined)
In December, the insured was driving a load of wheat to a terminal. Distracted, he drove through an
uncontrolled rail crossing. An approaching train split the trailer in half. The insured’s package policy
protected him for $1 million of liability, which covered the loss.

LESSONS LEARNED:
Avoid financial ruin by carrying the appropriate insurance coverage; for a minor cost (an extra $30 in
this case), you can protect yourself from unnecessary loss.

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Auto Insurance | Driver Safety

Does your home qualify for SGI's Prestige Policy?

posted by Al Hattie Insurance    |   December 22, 2014 07:00

Your home is your family's headquarters, and it's best defense is the best insurance policy for your needs. SGI's latest insurance product is their Prestige home policy, which is aimed to provide supreme protection to Saskatchewan's rising home market. Does your home qualify for SGI's Prestige policy? You may be surprised.

Prestige home insurance is focused on providing a flexible and superior insurance coverage to tailor to each unique home situation in Saskatchewan's changing real estate market. Are you moving to a new subdivision? Are you concerned about matching siding, shingles, or flooring if a loss occurs? Have you made a substantial investment in your property's landscaping or outbuildings? Expensive hot tubs or home entertainment systems? Maybe you have a prized collection, have a home business, or store a large amount of expensive tools? You are who the Prestige home insurance is made for!

Do you know the current value of your home? Saskatchewan's housing prices have risen by an average 67% in the past four years. Your home may be worth significantly more than you realize! The Prestige policy is available to homes:

- that are worth over $350,000

- that have been built in the last 35 years (some older homes may still apply in specialty inclusions)

- you are the primary occupant and it is your principal location

- you have less than one claim on in the past three years

- that meet the Homeowners' Guarantee eligibility requirements (not under construction, not a log home, was not built with post and beam construction or non-traditional building materials)

- meet any two of the specialty inclusions! Call us to find out if your home qualifies.

 

So your home qualifies? What does Prestige offer you above and beyond what your current policy covers? In a nutshell, the benefits to SGI's Prestige home insurance are far beyond their previous plans, and are built to custom fit your unique and individual lifestyle. There are standard protections with all Prestige policies:

- Priority Claims Service

- Full Matching Roof/Siding/Flooring Replacement

- Home Systems Protection (Furnaces, Central Air, Deep Well Pumps + Pool Pumps, Electrical Power Panels + more)

- Homeowner's Guarantee Coverage

- Higher Limits on Property with Specific Amounts of Protection

- $3 Million Personal Liability Coverage

- Roof Snow Removal

- Single Amount of Protection (Providing 150% of the coverage of your home you  may allocate as you wish in case of a loss)

There are also customized lifestyle options that you may choose to add on to these standard coverages. The four options are:

- Lifestyle Option A: Home Business Owner

- Lifestyle Option B: Collectible & Treasures Protection

- Lifestyle Option C: Family & Security

- Lifestyle Option D: Recreational Protection

 

Give us a call (1-888-450-2700) or stop by our office if you would like to discuss what Prestige policy options may best suit your family's needs. The benefits and increased coverages available through SGI's Prestige policy are vast and go well beyond the major points that are highlighted here, and is offered at a very competitive pricing! Talk to us for a free quote on SGI's Prestige policy.

Full Policy Pamphlet PDF

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Home Insurance

Two Campaigns From SGI To Make Our Roadways Safer

posted by Al Hattie Insurance    |   December 8, 2014 07:00

Our family at Al Hattie Insurance and SGI are committed to safety on the roads this holidays season. SGI is involved in two initiatives that are focused on reducing accidents and injury on Saskatchewan roadways. Both Operation Red Nose and the new Photo Speed Enforcement locations are designed for this and automobile drivers in Saskatchewan should help spread the word about both.

 

Operation Red Nose:

From Nov. 28 to Dec. 31, 2014, anyone who has been drinking and feels they are not able to drive home can call Operation Red Nose for a ride. Check operationrednose.com for the schedule in your area. A team of 3 volunteers - coordinated through the local Lions Clubs in the Battlefords, Prince Albert and Saskatoon, and the Queen City Kinsmen in Regina - will pick you up and drive you, in your own vehicle, to the destination of your choice. One volunteer drives your vehicle, a 2nd volunteer navigates and a 3rd volunteer follows in an escort vehicle to pick up the 2 volunteers once they drop you off.

While the service is free, donations are accepted and are then distributed to local youth and amateur sports initiatives in the participating city.

Impaired driving is among the leading cause of fatal collisions in Saskatchewan. If your city does not yet participate in Operation Red Nose, there are still many other options for getting home safely: take a cab, use public transit, stay the night, choose a designated driver, call a sober friend or family member, or contact another designated driving service. We also encourage other cities in Saskatchewan to take part in this initiative next year.

For Operation Red Nose service call:

The Battlefords - 306-446-2827 or 306-480-9876
Prince Albert - 306-763-6673
Saskatoon - 306-371-6693
Regina - 306-949-2400

 

Installation Work Underway At Photo Speed Enforcement Locations

Last week cameras and signs were being installed at photo speed enforcement locations around the province.

Cameras will be set up:

- Highway 12 at Martensville

- Saskatoon: Circle Drive and selected school zones

- Highway 1 east between the Pilot Butte turnoff and White City

- Regina: Ring Road and selected school zones

- Moose Jaw: school zones

"We will notify the public once the cameras are operational at these locations," said Andrew Cartmell, President and CEO of SGI. " We want people to know when the cameras are live. Our goal with this pilot is zero tickets and zero crashes."

There will be a two-month warning period where drivers caught speeding will be mailed a warning instead of a ticket. Yellow informational signs will let drivers know they are approaching a photo-speed-enforced zone. Black-and-white regulatory signs will also be posted within the zone.

For more information about the two-year photo speed enforcement pilot, visit SGI's website at www.sgi.sk.ca.

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Auto Insurance | Driver Safety

Customer Appreciation Day June 7th In Our Parking Lot

posted by Al Hattie Insurance    |   June 5, 2014 14:33

Join us on Saturday June 7th for our mall's Customer Appreciation Day! We will be hosting a Car Seat Clinic, a free Shred-It Station (with Food Bank donation) for your documents, and a free Child Find ID Clinic. The full day's event's can be found on the flyer below. Thank you from our family for having us as your Saskatchewan Insurance Brokerage for over 30 years!

 

 

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Community

4th Annual Dylan Nahorniak Memorial Tournament - THANK YOU!

posted by Al Hattie Insurance    |   May 13, 2014 11:37

We would like to send a big thank you to everyone who came out to the 4th Annual Dylan Nahorniak Memorial Baseball Tournament over the weekend! We had an exciting day of games and a fantastic casino night following the tournament! Lots of fun was had by everyone young and old.

We would like to extend a huge thank you to the Stallions Baseball team for once again hosting this terrific event and everyone behind the scenes who volunteered to help and plan the event. It wouldn't be possible without you.

If you would like more information on the tournament, please visit the website at www.dylannahorniakmemorialtournament.com. If you are interested in the new baseball scholarship we are offering, the application deadline is July 1st and submission info can be found on the site.

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Community

Saskatchewan Traffic Safety Laws are Changing June 27 2014

posted by Al Hattie Insurance    |   April 17, 2014 14:44

 

In an effort to reduce the high rate of injuries and fatalities on Saskatchewan's roads, the Special Committee on Traffic Safety will see several key recommendations turn into law effective June 27, 2014. One of the primary changes will effect new drivers caught driving under the influence of drugs or alcohol, who will face a 60-day license suspension and will have their vehicle seized for three days.

"Harsher penalties are aimed at deterring the unsafe choices some Saskatchewan drivers are making," said Donna Harpauer, Minister responsible for SGI. "We want drivers to think twice before making a bad decision, like getting behind the wheel after drinking or texting while driving."

Other traffic laws being introduced in the province June 27th include:

  • Impaired drivers face user-pay installation of an ignition interlock device on their vehicle, for a minimum nine months on a first offence and up to five years for subsequent offences.
  • Drug-impaired drivers will face the same consequences as drinking drivers.
  • Drivers caught using their cellphone while driving for the second time within one year will have their vehicle seized for up to seven days.
  • Drivers will face harsher penalties when they're traveling at 35 km/h or more over the speed limit.
  • Booster seats will be mandatory for children under seven years of age, less than 145 cm (4'9") in height and under 36 kg (80 lbs) in weight.
  • Photo radar will be piloted at three high-risk locations across the province and in school zones.

Motorcyclists will also note changes, with a focus on new riders:

  • Riders in the Motorcycle Graduated Driver Licensing (MGDL) program and their passengers will be required to have their arms and legs covered, wear hand-covering gloves, ankle covering boots, and either an approved three-quarter, modular or full-face motorcycle helmet.
  • MGDL riders will have to place a placard on their license plate to indicate they are a new rider.
  • Drivers will be required to hold a Class 5 or higher driver's license before applying for a motorcycle learner's license.
  • New riders will have to demonstrate their ability to operate a motorcycle through a basic ability test or successfully complete an approved training program, before getting a motorcycle learner's license.

For more information about these traffic safety changes, visit SGI's website at www.sgi.sk.ca.

 

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Community

Your Prestige Home's New Prestige Policy

posted by Al Hattie Insurance    |   April 9, 2014 16:25

SGI has just introduced their new Prestige Home Insurance policy for your higher-valued home that provides tailored coverage to suit your needs. Whether you are a home business owner, a specialty items collector, a savvy investor or have an impressive collection of recreational toys, Prestige has the right coverage for you.

 

All Prestige policies include:

Lifestyle Coverage Options - allowing you to tailor your insurance protection to your specific lifestyle needs.

Priority Claims Service - access to dedicated Prestige adjusters to provide you with faster service, including a 30-minute guaranteed response time.

Roof/Siding/Flooring - if matching materials are no longer available, your entire roof, siding, flooring or sets of vehicle entry doors will be replaced in the event of a claim.

Home Systems Protection - coverage for the sudden and accidental mechanical breakdown of home equipment such as furnaces, central air conditioners, deep well pumps, pool pumps and heating equipment, electrical power panels, and more.

Homeowners' Guarantee Coverage - coverage to repair or replace your home or outbuildings with materials of similar kind and quality, even if the cost to do so is more than what you have insured them for.

Higher Limits on Property with Specific Amounts of Protection - increased coverage for items such as tools, spare auto parts, business instruments and computer software protection, lawnmowers, tractors, snow blowers, jewelry and furs, and much more.

Personal Liability Coverage - $3 million in coverage to protect you if you are sued by someone who is hurt or whose property is unintentionally damaged because of your actions

Roof Snow Removal - access to $1000 to have snow removed from your house following a claim caused by an ice dam.

Single Amount of Protection - provides 150% of the coverage of your home, allowing you to allocate coverage as you wish towards your personal belongings, increased living expenses, lost rental income or expenses to cover the cost of being evacuated from your home.

 

Prestige Lifestyle Options

Prestige home insurance policies allow the addition of any or all Prestige Lifestyle Options tailored to your needs.


Lifestyle Option A: Home Business Owner 

Additional protection provided for:

- books, tools and instruments for your business

- business computers

- enhanced coverage for credit card/cheques or damages from counterfeit money

-increased limits on voluntary medical and property damages and lost wages

Lifestyle Option B: Collectables & Treasures Protection

Make sure your lifetime of memories is not lost in an emergency by selecting this option that covers:

- per-item protection for priceless comic books and trading cards

- enhanced protection for jewelry, watches or gems

- extra coverage for furs, manuscripts, stamps or coin collections

Lifestyle Option C: Family & Security

Get additional protection for the security that matters with Option C:

- enhanced limits on identity theft protection

- additional coverage for securities and bonds

- protection on bullion, money and gift cards

- additional coverage for childcare costs or loss of income to attend to a home insurance claim

- enhanced coverage for cemetery property such as burial plots

Lifestyle Option D: Recreational Protection

You take care of your quality of life and the value of your home, and you need protection to match:

- increased limits on shrubs and outdoor trees

- enhanced boat and motor coverage

- increased protection for pets

- enhanced protection for bicycles, tricycles or similar, including accessories

- enhanced coverage for yard machines

- increased lock replacement coverage

 

The new Prestige home insurance policy also provides you with an enhanced Customer Claims Service, which includes a 24/7 dedicated claims line, 30 minute response time, faster payment process and a dedicated adjuster from start to finish. Stop by our office or call 306-955-2700 if you think Prestige is the right policy for your home or if you require any further information.

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Home Insurance

Your Auto Policy Vs Your Basic Plates

posted by Al Hattie Insurance    |   February 10, 2014 14:08

When plating and insuring your vehicle in Saskatchewan, whether it be your winter beater or your brand new SUV, it's important to understand your options and what you are getting in terms of coverage and deductible.

When purchasing an Auto Policy, you are not just plating your car, you are getting a customizable insurance policy that protects you and your family from loss not covered by basic plate insurance. You gain several key additions including:

- Increased liability coverage from $1 million to $5 million

- Lower deductibles from $500 to $50

- Waived deductibles if you hit wildlife or have damage due to fire, lightning or theft

- Rental car coverage (which includes protection against damages to the vehicle)

- Increased injury benefits

 

Additional options:

- Replacement cost coverage on brand new vehicles (must be insured within 120 days of vehicle delivery)

- If your vehicle is totaled in the first 24 months, your deductible may be waived and your vehicle is replaced

- If your vehicle is repairable, only new parts will be used

- If your vehicle is leased your original purchase price is protected, covering the difference between what you owe your leasing company and the actual cash value of the vehicle

- Loss of use coverage for alternative transportation in the event of a claim

- Road hazard glass coverage including chip repair

 

There are many examples of how an Auto Policy can provide necessary benefits in coverage. For instance, if you injure a high salaried person in a collision and must pay to supplement their lost income, Auto Policy pays for costs not covered by basic plate insurance. You may face significant financial hardship if you're found at fault for damaging someone's property or if someone gets injured.

Getting the right protection is about the best combination of basic plate insurance and an Auto Policy tailored to your needs.

 

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Auto Insurance

11 Essential Tips for the Canadian Traveler

posted by Al Hattie Insurance    |   December 16, 2013 14:49

Are you taking a much deserved trip? Trying to beat the cold? Maybe it's just time to explore? Here's a handy traveler checklist from Travel.gc.ca:

 

- Carry a Canadian passport that is valid well beyond the date of your planned return to Canada; keep a copy of the identification page separate from the original.

- Leave copies of your passport identification page, itinerary and insurance policy with friends or family.

- Obtain any required visas well in advance.

- If traveling with children, carry documentation proving your right to accompany them (e.g. a consent letter or court order).

- Arrange for travel health insurance and take care of health needs, such as eyeglasses, prescriptions, vaccinations and medical certificates and supplies.

- Anticipate financial needs, such as local currency and departure tax.

- Check whether dual citizenship is an issue for you.

- Obtain an International Driving Permit, if required.

- Visit travel.gc.ca for essential Country Travel Advice, emergency contacts, a directory of Canadian embassies and consulates, safe-travel publications and information on traveling with children, living abroad and returning to Canada.

- Download their Travel Smart mobile app at travel.gc.ca/mobile for essential travel information on the go.

- Sign up for Registration of Canadians Abroad service at travel.gc.ca/register.

 

 

And our biggest tip: Travel Insurance is for everyone!  Whether you're 25 or 75, make sure to inquire about what options are available to you before your departure to make sure your trip is one to remember.

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Travel

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