These are the 10 most stolen vehicles in Canada

These are the 10 most stolen vehicles in Canada

Jackie Dunham | CTVNews.ca 

TORONTO — Owners of Ford F-series pickup trucks should take extra care to lock their vehicles because it appears they’re a primary target for thieves.

Once again, Ford F250 and F350 trucks from the 2000s topped the Insurance Bureau of Canada’s annual ranking of the most stolen vehicles in Canada. In 2019, Ford pickup trucks took up eight of the top 10 spots on the list with the 2007 Ford F-350 claiming the unenviable title of most stolen vehicle for the year.

It’s unsurprising news for anyone who has been following the IBC’s annual ranking, which is based on insurance claims data collected from “nearly all” automobile insurance companies in Canada. Ford pickup trucks have consistently dominated the list since it began in 2003.

According to the IBC, Ford pickup trucks are prime targets because they lack ignition immobilizers, which are devices that can prevent thieves from hot-wiring them.

“The lack of an ignition immobilizer is the number one reason this series of Ford trucks continues to take up the majority of spots on the list,” the association said in a press release Tuesday.

Interestingly, the Ford pickup trucks featured on the list were earlier models from before 2008 when new safety technology was installed in the vehicles.

As some of the most popular vehicles on the road, the prevalence of Ford pickup trucks in Canada, particularly in provinces such as Alberta, also contributed to the high rate of theft.

THE TOP 10 MOST STOLEN VEHICLES IN CANADA IN 2019

  • Ford 350SD AWD 2007
  • Ford 350SD AWD 2006
  • Ford 350SD AWD 2005
  • Ford 350SD AWD 2004
  • Ford 250SD AWD 2006
  • Ford 350SD AWD 2003
  • Lexus RX350/RX350L/RX450h/RX450hL 4DR AWD 2018
  • Ford F250 SD 4WD 2005
  • Ford F350 SD 4AWD 2002
  • Honda Civic Si 2DR Coupe 1998

With auto thefts costing Canadians close to $1 billion each year, the IBC warns that thieves are becoming more sophisticated and using new technology to bypass security systems and electronically gain access to vehicles.

According to the bureau’s findings, technology had a “major impact” on vehicle thefts in 2019.

“Electronic auto theft is on the rise across the country as more vehicles are equipped with technology like keyless entry fobs,” said Bryan Gast, the national director of investigative services at IBC.

The IBC said thieves can use wireless transmitters to intercept the signal from keyless entry fobs and open a locked vehicle’s door.

TIPS TO PREVENT VEHICLE FRAUD

To protect your vehicle, the IBC advises owners to avoid leaving their keyless entry fob in a vehicle or in an unprotected area near the entrance of your home.

If you want to leave your fob near the front door, the IBC said to place it in a protective box or bag that blocks the signal instead of in an exposed bowl or on a hallway table.

Additionally, if your vehicle isn’t already equipped with one, consider installing an immobilizing device to prevent thieves from hot-wiring it.

The IBC said Canadians should install a tracking device in their vehicles that can emit a signal to police or a monitoring station if a theft occurs.

OTHER TIPS

  • Don’t leave the vehicle running while it’s unattended
  • Lock the doors and close all windows when it’s parked
  • Make sure to park in well-lit areas or in a garage
  • Use a visible or audio device to alert potential thieves that the vehicle is protected
  • Consider using a steering wheel or brake pedal lock as a deterrent
  • Avoid leaving personal information, such as insurance or ownership details, in the glove box when the vehicle is left alone
Tips from RSA Insurance: Are your clients ready to host a holiday party?

Tips from RSA Insurance: Are your clients ready to host a holiday party?

Help your clients keep their holiday parties from getting out of hand with our new tip sheet, and make sure everyone gets home safely.

Setting is everything

Choose the right place for your party
When choosing the venue, consider if it can safely accommodate the number of people attending the party. Cordon off areas that don’t need to be part of the event to reduce the risk of damage.

Coat check

Run a coat check service for people’s jackets and handbags so that guests don’t lose valuable belongings. It will also reduce the risk of guests tripping overcoats and jackets that may be otherwise left on the floor or on the backs of chairs.

Registration on arrival

Ensure staff members and their guests register when they arrive at the event before they get their drink tickets. Doing so will make sure that all guests are accounted for, that the correct number of people are admitted and that no non-staff members sneak in unnoticed.

Sensible table decor

Make sure that tables are decorated appropriately and that there are no open flames present, e.g., no candles on tables.

Food & drink

Serve plenty of non-alcoholic options
Offer unlimited, free non-alcoholic beverages—including juices, mocktails, coffee and tea—to encourage less drinking. And don’t forget water!

Are your servers certified?

Ensure that your servers are licensed to serve alcohol so they understand not to over-serve guests and how to recognize people who have had enough to drink.

Have lots of food around, too

Drinking on an empty stomach multiplies the effects of alcohol—so food is a sure way to reduce risk. Just be sure to respect food allergies and intolerances!

Ensure your staff members drink responsibly

Limit the amount of alcoholic drinks by distributing tickets, and avoid having a self-serve bar. Put up reminders around the venue to drink responsibly. Or, consider hiring a professional bartender to guard against over-serving.

Best behaviour

Set clear rules about the use of cannabis
As with alcohol, you’ll need to reinforce your company’s policies around cannabis and communicate any smoking (including vaping) rules of the venue itself. Remind employees not to drive impaired by either drugs or alcohol.

Make arrangements for safe transportation

Reduce the risk of drinking and driving: consider reimbursing employees for their transportation costs, appointing voluntary designated drivers or hiring a fleet of cabs.

Remind attendees about the essentials

Send out an email the day before the party to remind everyone that this will be an office party—it’s still considered a workplace event, so they are expected to behave responsibly and take cabs back home.

Edited for ILSTV

For more resources, please visit rsabroker.ca.

Canada: What To Know About Left-Turn Accidents

Article by Gluckstein Personal Injury Lawyers

What to know about left-turn accidents

Traffic accidents always come down to a blame game and the person making the left turn is often in the wrong. About half of all crashes at Canadian intersections involved a vehicle that was turning left, according to a 2007 joint study by the Traffic Injury Research Foundation and the Insurance Institute for Highway Safety.

With so many claims stemming from those incidents, the Insurance Bureau of Canada considers all left turns into traffic that lead to an accident, as against insurance company policy.

Before trying to beat the light and making an ill-advised left turn, here are some things drivers should consider:

Different types of insurance

Insurance companies always deem someone at fault in cases of accidents. The fault could be partial or full depending on the circumstances. Individuals deal with their own insurance companies, regardless of who caused the accident. No-fault insurance allows a person to receive part or full coverage by their company regardless of who caused the accident. They can receive medical and other benefits without having to track down the other driver and take them to court. They are also eligible even if they are deemed to have caused the accident.

Proving who’s at fault

Insurance companies determine fault by analyzing accident reports. Therefore, if the other driver committed a traffic violation as well, such as speeding or running a red light, there is room for adjustment. Adjusters can “split the fault” in these situations, instead of the full liability for the driver turning left.

As a driver, proving what happened at the time of the accident is crucial in determining your eligibility for an insurance claim. First-hand witness accounts are helpful in constructing the scene before and after the accident.

An impartial witness is ideal to corroborate your story, especially if you claim that the other driver was at fault.

The content of this article is intended to provide a general guide to the subject matter. Specialist advice should be sought about your specific circumstances.

Source: Mondaq

Economical employees celebrate GivingTuesday by donating $65,000 to Canadian charities

WATERLOO, ON, Dec. 3, 2019 /CNW/ – This GivingTuesday,  Economical Insurance is granting donations to 14 community-based organizations across Canada through its employee-driven Choose Your Charity program.

Giving back to communities has always been and will continue to be a part of the story that defines Economical. This year marks the fourth anniversary of Choose Your Charity, a program that empowers employees from the Economical family of companies to nominate and vote for charities in their regions across Canada to receive individual donations of $5,000. Since the program’s inception, Economical has granted $222,500 to worthy causes nationally – including this year’s total of $65,000.

“Economical Insurance is committed to supporting causes that drive positive change in the communities where we live and work,” said David Bradfield, Vice-President, Marketing and Communication at Economical Insurance. “We’re proud to continue building a legacy that enables our teams to advocate on behalf of the causes nearest to their hearts.”

Each organization benefiting from this annual giving campaign is making a difference in the communities where Economical employees, brokers, and customers call home.

The 2019 Economical Insurance Choose Your Charity recipients are:

Location

Charity

Amount

Vancouver

BC Children’s Hospital Foundation

$5,000

Edmonton

Youthwrite Society Canada

$5,000

Calgary

Youthwrite Society Canada

$5,000

Winnipeg

Winnipeg Humane Society

Children’s Rehabilitation Foundation

$2,500

$2,500

London

Ronald McDonald House Charities Southwestern
Ontario

$5,000

Woodstock

Sakura House

$5,000

Waterloo

Nutrition for Learning

Canadian Mental Health Association Waterloo
Wellington

$2,500

$2,500

Kitchener

The Humane Society of Kitchener Waterloo &
Stratford Perth

$5,000

Mississauga

SickKids Foundation

$5,000

Toronto

The Shining Through Centre

$5,000

Ottawa

Children’s Hospital Eastern Ontario (CHEO)

$5,000

Montreal

Bouffe pour tous

$5,000

Halifax

Nova Scotia SPCA

$5,000

As a proud supporter of Canadian charities and causes that directly protect the safety and security, youth and education, and health and wellness of Canadians — Economical remains focused on driving true change for Canadians through community funding.

About Economical Insurance

Economical Mutual Insurance Company (“Economical” or “Economical Insurance”, which includes its subsidiaries where the context so requires) is a leading property and casualty insurer in Canada, with approximately $2.5 billion in annualized gross written premiums and $5.9 billion in assets as at September 30, 2019. Economical is a Canadian-owned and operated company that services the insurance needs of more than one million customers across the country.

SOURCE Economical Insurance

www.economical.com

4 scams to watch out for this holiday season

Frauds, scams spike this time of year, says RCMP

CBC News

As shoppers gear up for the holiday season, police say fraudsters are also preparing to take advantage of those who aren’t careful.

The holidays are ripe for fraudulent activity, with various types of scams appearing around this time of year, according to Jeff Thomson, a senior intelligence analyst with the RCMP’s fraud unit.

Here are some of the most common scams Thomson said people should watch out for.

SIM swapping

Thomson said the RCMP has seen a recent spike in identity theft through what’s known as SIM swapping.

Fraudsters will send a phishing email, which appears to be from your service provider, offering you free data or something similar — and a link for you to claim your “prize.”

The link asks for personal information to update your cellular account profile. Fraudsters will then contact your service provider and, using that information, gain access to your phone.

“If you have your bank accounts, your social media accounts, email accounts — they can now start to gain access to the accounts you have on your mobile device,” Thomson said.

If you receive an email from your service provider with an offer, Thomson recommends calling them to verify it’s real.

Evolving phone scams

This one might sound familiar: someone allegedly calls from the Canada Revenue Agency (CRA) and demands payment for back taxes while threatening the victim with arrest.

Thomson said the RCMP are seeing a spike in these kinds of scams, but instead of the CRA, the fraudsters claim to be from Service Canada.

“The Service Canada scam I’m seeing as the evolution of the CRA scam,” Thomson said.

Fraudsters tell victims their social insurance number (SIN) is compromised and then attempt a two-part scam.

First, they’ll attempt to coax your name, date of birth, SIN and other personal information from you.

Then they’ll say police or investigators need to follow up, which later turns into a demand for cash. Thomson said that usually takes the form of fraudsters telling victims to move money into a “safe account.”

Like with the CRA scam, Thomson said Canadian agencies wouldn’t call and ask for personal information.

Online shopping scams

As more and more shoppers turn to the internet to find that perfect holiday gift, fraudsters are taking notice.

Thomson said one scam comes in the form of an unbelievable offer for a wish-list item — but often it’s counterfeit or of an inferior quality.

To avoid being duped, Thomson recommends only shopping at well-known websites, reading reviews on lesser-known ones first, and using payment programs that have credit card protection.

“If a deal seems too good to be true, it probably is,” he said.

Loan scams

This scam typically preys on victims looking for extra cash during the holidays.

Fraudsters offer loans, Thomson said, and then either take personal information or begin to demand payments.

Thomson advises people to be cautious and only seek loans from credible providers.

CBC News

 

Ontario is about to scrap out-of-country emergency health care coverage

Travelling to the U.S.? Here’s what you need to know

The Star Vancouver

When Toronto resident Jill Wykes had a health scare over a racing heartbeat in Florida a few years back, the $3,000 hospital bill for a two-hour visit and three tests added insult to illness.

Fortunately, the seasoned snowbird had a comprehensive travel health insurance policy that paid the full tab.

But the incident, which turned out to be nothing serious, served as a reminder that medical emergencies can happen any time, anywhere.

Buying enough travel insurance to cover all eventualities becomes even more important for Ontario residents when the province scraps its out-of-country coverage of emergency health care expenses on Jan.1.

Until Dec. 31, OHIP will continue to pay up to $400 per day for emergency in-patient services and up to $50 per day for emergency outpatient and doctor services. Starting next year though, that coverage stops.

A new program will provide kidney dialysis patients with $210 toward each treatment — actual prices in the U.S. range from $300 to $750 — but travellers will be on the hook for everything else.

The province says it’s cancelling the existing “inefficient” program because of the $2.8-million cost of administering $9 million in emergency medical coverage abroad each year. OHIP’s reimbursements also tended to offset only a fraction of the actual expenses.

Without private insurance, travellers can face “catastrophically large bills” for medical care, warns Ministry of Health spokesperson David Jensen, who “strongly encourages” people to purchase adequate coverage.

Health care south of the border, in particular, costs an arm and a leg. On average, fees in the U.S. are double those of other developed countries, according to the International Travel Insurance Group.

The insurance provider cites an array of costs, including: ambulance, $500 and up; ER visit, $150 to $3,000; hospital stay, $5,000 per day; MRI, $1,000 to $5,000; X-ray, $150 to $3,000; hip fracture, $13,000 to $40,000.

The monetary ouch factor can be especially painful for snowbirds, who are flocking to warm spots like Florida, Arizona and Texas in growing numbers as baby boomers reach retirement age.

But a significant number of vacationers of all ages are putting their financial health at risk.

According to a recent survey by InsuranceHotline.com, 34 per cent of Canadian respondents said they were unlikely to buy travel insurance, often in the mistaken belief their province would cover them. And 40 per cent had unrealistic expectations of health care costs, thinking, for example, that emergency medical evacuation would be under $2,000. In reality, the service can cost tens of thousands of dollars.

Jill Wykes and her husband Pierre Lepage leave nothing to chance during winters in Sarasota, Fla., an annual trek since 2011 when she retired as a travel industry executive.

The couple, now in their 70s, purchase a multiple-trip plan with a 60-day top-up for their four-month sojourn, which includes driving there and back and flying home for two short visits. Her policy costs about $900 while his is $1,600, because he falls into an older age bracket. They’re each covered for up to $5 million.

Wykes, a blogger and editor of, snowbirdadvisor.ca, calls it “foolish” to travel anywhere without health insurance and advises against thinking “you would just drive or fly home if you were sick.” The financial fallout from an accident or sudden illness “can quickly rise into six figures” in the U.S., she adds.

Anne Marie Thomas of InsuranceHotline.com, which provides free quotes for all types of insurance, echoes Wykes’s advice.

“Now, more than ever, you need travel insurance because there will be zero coverage (as of Jan. 1),” she says.

There’s no one-size-fits-all policy and insurance can cover everything from trip cancellation or interruption to lost baggage and medical costs, Thomas explains, so it’s important to match your needs and situation. A sunseeker driving south, for instance, wouldn’t need trip cancellation.

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