British Columbians overwhelmingly want competition, choice in auto insurance: poll

Seventy eight per cent of British Columbians expressed their desire for more choice and more competition in the province’s auto insurance system.

The poll of 1000 British Columbians was conducted between September 25 and October 1, 2017 by Maple Leaf Strategies on behalf of Insurance Bureau of Canada (IBC). The results showed that an overwhelming majority of BC residents want more choice when it comes to auto insurance. Further, 89% of respondents believe that competition will allow them to shop around and possibly save money on coverage.

“Competition provides a powerful incentive for any company to keep prices down, to deliver the best service, and to understand and meet the needs of its customers. Auto insurance is no exception to this rule,” said Aaron Sutherland, Vice-President, Pacific, IBC. “These polling results show that British Columbians overwhelmingly want the ability to choose the auto insurance provider that is best for them. Canada’s private insurers are eager to better serve BC drivers so that they can take advantage of the benefits of competition and choice in auto insurance.”

The poll also touched on the general political climate in British Columbia and how residents feel about the current direction of the province. Perceptions regarding auto insurance are also broken down further using socio-economic indicators, as well as by political affiliations and voter intentions.

Additional resources

About Insurance Bureau of Canada

Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 120,000 Canadians, pays $9 billion in taxes and has a total premium base of $49 billion.

For media releases and more information, visit IBC’s Media Centre at www.ibc.ca. Follow IBC on Twitter @InsuranceBureau or like us on Facebook. If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1‑844‑2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

Manitoba truckers allege insurance company’s licence retesting discriminatory

WINNIPEG _ A group of Punjabi-speaking truck drivers in Manitoba who transferred to the province from Ontario say they are being treated unfairly by Manitoba’s Crown insurance company.

A total of 23 drivers have filed an application in Court of Queen’s Bench against Manitoba Public Insurance, alleging MPI is discriminating against them.

The truckers say they passed all necessary tests in Ontario and received their Manitoba Class F1 trucking licence after moving, yet are being ordered by the company to retested again by Nov. 6 or they will lose their licences.

The drivers say, as a group, they generally have a clean driving record.

MPI says in a statement issued Thursday that a number of commercial-class drivers licensed outside of Manitoba have been notified that they must recertify to Manitoba Class One driver testing standards.

It’s expected the group’s application will be heard by a judge early next week.

Parminder Singh, one of the drivers involved in the court action, said he and his colleagues have done nothing wrong.

“We did everything by the book, so they (MPI) have no basis to tell us that we have to redo the test.”

MPI said in its statement that retesting is being done under relevant provisions of The Drivers and Vehicles Act.

“This action is not based on race or ethnicity but rather to address public safety concerns and the corporation’s obligation to enforce Manitoba driver testing and licensing standards as administrator of the act,” it said.

 

CDN’s favour anti-texting technology to combat cell phone distracted driving

AVIVA Canada

Distracted driving is one of the leading causes of death on the road. Today, almost everyone owns a cell phone and when your phone sends you a notification, it can be hard to resist the urge to check who’s messaged you or updated their social media status with the coolest thing they’ve seen.

In 2016, 65 people were killed in OPP-investigated collisions due to an inattentive driver compared to 45 in alcohol-related fatal collisions. Speed related incidents accounted for 55 deaths and seatbelt-related incidents accounted for 53.

The RCMP defines distracted driving as, “a form of impaired driving as a driver’s judgment is compromised when they are not fully focused on the road.” Laws around cellphone use and driving are different in each province and territory in Canada. In some provinces, a person can be fined up to over $500 and lose up to four demerit points if charged with distracted driving.

In 2015, Aviva launched the “Driving Change Together” campaign to curb distracted driving. This year Aviva is increasing its efforts with the #avivayolo campaign against texting and driving, asking drivers to share their stories.

As more and more people depend on their cell phones to stay connected, it has also become a distraction for drivers. In a new poll conducted by Pollara Strategic Insights for Aviva Canada, 95 per cent of Canadians said texting and driving by others makes them feel unsafe on the road. A total of 88 per cent of Canadians have witnessed other drivers texting behind the wheel, while only 22 per cent of respondents admitted to texting while driving.

Currently, technology exists in the form of apps and devices that can help drivers stay focused on the road. Some vehicles now have Android Auto or Apple CarPlay that allow drivers to connect their smartphones to the vehicle’s built-in display – providing access to select functions on their phone. Drivers can access maps, music, and even pick up a call. With voice activation, it also allows drivers to stay focused on the road.

In efforts to curb texting and driving Android Auto is also equipped with an auto reply function that allows drivers to tap a preset message back to the sender. Similarly, Apple has developed a “Do Not Disturb While Driving” (DND While Driving) feature for their newest iOS11.  The iPhone 8 launched on Tuesday which includes this new feature.

As an extension to the existing “Do Not Disturb” feature, the iPhone can now detect when you’re driving and block incoming calls, texts and notifications. Your screen will also stay dark. If the “DND While Driving” is activated, your phone can send an automatic response to those trying to reach you – you can also customize the message.

It seems Android, Apple and third-party app companies are on the right track. According to Aviva Canada’s latest poll, the majority of Canadians believe the solution to making roads safer is technology that disables the texting function on a smartphone while a person is driving rather than peer pressure or police crackdowns. Furthermore, 78 per cent said they want to see insurance companies, auto manufacturers and governments work toward a technology solution that would stop distracted driving by disabling texting and other functions while a driver is behind the wheel.

The RCMP reports 80 per cent of collisions are due to drivers taking their eyes away from the road for only three seconds prior to a crash. Texting makes you 23 times more likely to crash. Despite advancing technology, drivers should always be alert and never be distracted while driving.

Auto insurance rates in Ontario drop by less than one per cent

By Allison Jones

THE CANADIAN PRESS

TORONTO _ After two straight quarters of increases, auto insurance rates in Ontario have now dropped by less than one per cent.

Approved rates posted Friday by the Financial Services Commission of Ontario for the third quarter of 2017 show an average decrease of 0.14 per cent.

Rates went up in the second quarter by an average of 0.76 per cent and in the three months before that, they increased by 1.24 per cent.

That means rates have decreased on average by around eight per cent since 2013, when the Liberal government promised to cut rates by an average of 15 per cent by August 2015.

But when that self-imposed deadline passed, Premier Kathleen Wynne admitted it had been what she called a “stretch goal.”

A report earlier this year by Ontario’s auto insurance adviser found that the province has the most expensive auto insurance premiums in Canada despite also having one of the lowest levels of accidents and fatalities.

David Marshall found that the average auto insurance premium in Ontario is $1,458, which is almost 55 per cent higher than the average of all other Canadian jurisdictions.

The government consulted on the report’s recommendations over the summer and is now reviewing the feedback, said a spokeswoman for Finance Minister Charles Sousa.

“Since 2013, we have made progress on lowering rates through product reforms, including changes made in 2015 that require insurers to offer discounts for the use of winter tires, create a new dispute resolution system to help Ontario claimants get faster access to the benefits they need, prohibit premium increases on minor at-fault accidents, and lower the maximum interest rate charged on monthly premium payments,” Jessica Martin wrote in a statement.

“Based on Marshall’s recommendations, we are considering systemic changes to further reduce costs.”

Marshall’s recommendations included adopting a “care not cash” approach, exploring better ways to care for people who are catastrophically injured and making lawyers’ contingency fees more transparent.

 

What Makes Auto Insurance Expensive?

LOS ANGELESOct. 10, 2017 / PRNewswire-iReach/ — Carrinsurancehints.com (http://www.carinsurancehints.com/) has released a new blog post explaining what makes auto insurance expensive.

An insurance agency will rate applicants based on their insurability risk. Every driver will have to pay a premium based on the type of car they drive and on how they drive. A driver’s history s carefully analyzed by every agency to determine if the applicant is safe driver or a high risk one. The vehicle will also play an important role in determining coverage costs. The applicant’s age, gender and financial situation can also have an impact. In short, there are numerous factors that determine coverage costs.

A list of things that increase car insurance costs:

  • A past DUI arrest
  • Multiple fines and tickets on the driving record
  • A high-cost vehicle with a low safety rating
  • A bad credit record
  • Being under 25 years old

High risk drivers should not give up on purchasing auto insurance. Driving without the minimum required vehicle insurance is illegal. High risk drivers should shop around for vehicle coverage. They can compare multiple auto insurance quotes on a single website: http://www.carinsurancehints.com/. Comparing different prices helps drivers save more than 25% on their premiums.

“Always compare car insurance quotes and you are bound to find the right plan for your vehicle,” said Russell Rabichev, Marketing Director of Internet Marketing Company.

Carrinsurancehints.com is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to  offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

For more information, please visit http://www.carinsurancehints.com/.

Media Contact:Russell Rabichev, Internet Marketing Company, 800.475.3410, rel=”nofollow”>russell@internetmarketingcompany.biz

News distributed by PR Newswire iReach: https://ireach.prnewswire.com

2017 Ajusto survey: The Desjardins program is making better drivers

A recent survey of Ajusto users confirms that, since Desjardins launched the program in 2013, it has helped improve the way people drive.

Safer drivers
The majority of respondents (close to 75%) said they had improved their driving by sticking closer to speed limits and by avoiding sharp acceleration, braking and cornering. Also, 76% of them said they feel that Ajusto helps improve road safety.

“I’m really proud of the results. We’re committed to helping improve road safety and preventing accidents. These results confirm that focusing on prevention is the key to making that happen,” said Denis Dubois, President and COO of Desjardins General Insurance Group.

Satisfied users

  • 91% of respondents said they were satisfied with the program as a whole.
  • Since the program was launched, users have saved an average of 10% on their auto insurance premium. Almost 80% of survey respondents said they were satisfied with their discount.

Drivers get rewarded sooner
Recent analysis has shown that after using Ajusto for only three months, a person’s driving can be mapped sufficiently to assign a representative score. As a result, Desjardins has shortened the data collection period to just 100 days. Now clients don’t have to wait for their policy renewal to enjoy the savings. Instead, they get their discount at the end of the 100-day period. An example of how Desjardins listened to feedback from clients to improve their offer.

Ajusto users can also continue to get driving feedback through the smartphone app called Desjardins Insurance Home-Auto, The Personal or State Farm Canada. Clients can use the app to sign up for the Ajusto and Alert programs. The app also includes features that allow clients to view their insurance policy, change their address, store a vehicle, get a quote and even start a claim.

Desjardins will continue to develop its mobile offer, providing added benefits for its policyholders. In fact, 9 out of 10 survey respondents thought new technologies (telematics, smart devices and apps) added value for customers.

As a reminder, the Ajusto program is available to drivers in Ontario and Quebec who insure their vehicle with Desjardins Insurance, The Personal or State Farm Canada (under the name Telematics). With Ajusto, policyholders can save up to 25% on their auto insurance premium based on their actual driving habits. The discount is calculated by measuring four criteria: driving smoothness (avoiding sharp acceleration, braking and cornering), speed, time of day and distance driven.

About Desjardins General Insurance Group
A subsidiary of Desjardins Group, Desjardins General Insurance Group (DGIG) is Canada’s third largest provider of property and casualty insurance. The company distributes insurance under the Desjardins Insurance, The Personal, and State Farm Canada brands. DGIG is also a leader in Canada in white label distribution.

SOURCE Desjardins Groupe d’assurances générales

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