Real stories that make you wonder, is that covered by insurance?

Real stories that make you wonder, is that covered by insurance?

 

Compiled insurance stories by KANETIX.ca.

Bet you thought insurance was boring? It’s not (at least it’s not all of the time.)

Maybe it’s just us here at kanetix, but this story got the creative juices going. If we’re interested in these odd types of stories, then wouldn’t others be as well? So we searched, and looked around online to compile a list of some of the oddest, most bizarre, and in some cases downright strange insurance claims out there. But here was the twist; we didn’t want urban legends, or claims that have been identified as fraud. We wanted honest-to-goodness real claims that might have you scratching your head at the end of it. And we found some; enjoy.

Zany Zebra

You know those safari parks, where you drive through to get up close and personal with animals like lions, tigers, and zebras? Here’s why you invite another family to go and have them drive; do you want to tell your friends that a playful zebra collided with your car while at the safari park? No thanks.

How would you claim this through insurance?

    In most cases, if your car hit or were hit by a zebra at a safari park, the claim would likely go through your comprehensive coverage even though it’s technically considered a collision. Comprehensive coverage is an optional coverage that typically applies in the case of loss or damage from falling or flying objects, theft and vandalism – but getting run into by a zany zebra is anything but typical.

Cow Car Wash

We don’t know what’s in a cow’s saliva, and to be honest we don’t want to know, but apparently it can cause damage to a car’s paint job. Not sure where this person was parked, but how would you like to have to admit to your insurer that a herd of cows licked your car and caused damage to the paintwork?

How would you claim this through insurance?

    Through your car insurance policy under the Comprehensive coverage you’ll have hopefully purchased (because it too is optional.) Comprehensive coverage usually applies in the case of loss or damage from falling or flying objects, theft, and vandalism. While you might think it falls under vandalism by domestic farm animal, it doesn’t; luckily, ‘all-perils coverage’ covers what is not excluded.

Potato Payback

Reason number one to place your groceries in the trunk; you never know when a pesky potato will role out the bag and find it’s way behind your brake pedal. Of course the consequences are obvious; the driver couldn’t apply their brake and ended up getting in an accident.

How would you claim this through insurance?

    Through your auto insurance policy under the Collision coverage, you’ll have hopefully purchased. Collision is an optional coverage that is the part of your auto insurance policy that protects your vehicle if it is damaged in an accident.

Wasp Worry

Chances are bees, hornets, wasps and yellow jackets have caused many an accident. So it comes as no surprise that a driver got in an accident because a wasp flew up their pant leg causing the person to panic and hit the accelerator. Too bad they didn’t keep their foot on the brake; because the person was waiting at a traffic light with cars ahead of them.

How would you claim this through insurance?

    Through your auto insurance policy under the Collision coverage, you’ll have hopefully purchased. Collision is an optional coverage that is the part of your car insurance policy that protects your vehicle if it is damaged in an accident.

Redesigning Rover

In case it wasn’t obvious to you, if you own a dog and have just painted the living room, don’t leave the dog alone without getting rid of the paint tray you’ve been using. Otherwise, you might find that your favorite pooch will use his tail as a paint brush and paint more than just the walls; maybe your carpet and furniture too.

How would you claim this through insurance?

    Through your property insurance policy with the Contents coverage, you’ll have purchased. Hopefully, you got ‘all-risk’ contents coverage and not ‘named-perils’. Because with named-perils you’re only covered for losses that resulted from common perils like fire, theft and water damage.

Bull!

The country life is nice unless you live next to a farm with bulls that love to roam the countryside. It’s gets worse when three of your local farmer’s bulls end up in your backyard getting into a fight destroying your garden, your fence and all your trellis’ in the process; and that ain’t no bull!

Source: KANETIX.ca.

 

 

ICBC’s tips for teaching your teen to be a safe driver

ICBC’s tips for teaching your teen to be a safe driver

Every day in B.C., 129 teens get their learner’s licence. With students out for summer break, that number peaks in our province as teens are eager to spend their free time learning to drive and becoming more independent.

In an ICBC survey, 29 per cent of parents surveyed believed their teens had picked up a bad driving habit from them. The most common habits were speeding, not coming to a complete stop, impatience, eating while driving and not shoulder checking. Survey respondents also revealed that if they could teach their teen over again, they would enroll them in professional driving lessons.

ICBC’s top five tips for parents:

1. Set a good example: Once your teen has passed the knowledge and vision tests, they’ll get a class 7 learner’s licence and can now get behind the wheel with a qualified supervisor. Review your teen’s copy of ICBC’s Tuning Up for Drivers guide to brush up on the rules of the road, work on any bad driving habits and learn about the restrictions of each stage of the graduated licensing program so that you can make sure your teen follows them.

2. Gearing up: The type of car your teen learns to drive on can make a big difference. It’s best to learn on a vehicle that’s a manageable size, has good visibility, an automatic transmission and as many safety features as possible. Begin your driving lessons on roads with minimal traffic and avoid rush hour congestion to help build your teen’s confidence and ease their nerves.

3. Call in the experts: To help your teen gain as much driving experience as possible consider signing them up for lessons through a professional driving school if you can. Instructors can be objective without the emotion that’s often involved in parent-teen relationships. If you do choose this route, stay involved and discuss what they’re learning.

4. Test it out: To prepare for your teen’s road test, practice driving as much as possible at different times of the day, in different weather and road conditions and in unfamiliar neighbourhoods. That way they’ll be prepared for whatever conditions they encounter on the day of their road test. Teens can also take ICBC’s road ready quiz to help them avoid common driving mistakes.

5. Keep them safe: Once your teen has passed their class 7 road test and can now drive without a supervisor, consider creating a family contract. It helps set out your expectations of your teen, the responsibilities you want them to show on the road and the consequences for breaking those rules.

If your teen will be driving your vehicle, review your insurance coverage. If your vehicle is rated in an experienced rate class (all drivers in a household with at least 10 years’ driving experience), you’ll need to change the rate class.

Teens can find the redesigned practice knowledge test, video driving tips and road signs practice test on icbc.com. The practice knowledge test can also be downloaded as an app free from the Apple App
Store.

Media contact:
Lindsay Olsen
604-982-4759

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Fun in the sun? Sunburns trump drowning as top parental concern this summer

Fun in the sun? Sunburns trump drowning as top parental concern this summer

#SummerSense

TORONTO, June 25, 2015 –  Summer has arrived and families across the country are preparing for vacations and getaways that often include water activities. A recent RBC Insurance survey shows that while 96 per cent of Canadian parents agree that water safety is important, drowning only ranked number three on their list of top ‘kid-related’ worries this summer.

The greatest worry for Canadian parents heading into summer was that their child would spend too much time indoors (59 per cent). Getting a sunburn was next on the list of parental concerns (58 per cent). Parents were not as concerned about the risk of drowning (46 per cent), ranking it just ahead of bike safety and general mischief making (both at 44 per cent).

According to the Lifesaving Society, the majority of drownings happen between May and September, with 34 per cent of all drownings taking place during July and August. More than half of all fatal incidents occur on the weekend, when participation in aquatic recreation is highest.

The poll also revealed that while most parents (93 per cent) agreed that every Canadian should be able to swim, only 57 per cent agreed that their child was a strong swimmer. A quarter (25 per cent) of Canadian children over the age of 10 – an age when many children are left unsupervised – were not considered strong swimmers by their parents. Less than half (45 per cent) of 5-9 year olds were considered strong swimmers by their parents.

“Given the dangers of drowning, and the low numbers of children who are strong swimmers, swimming lessons and safety around the water needs to become a greater priority for Canadian parents,” says Rino D’Onofrio, head Canadian Insurance Business for RBC Insurance. “Water accidents happen in seconds so it’s important that parents take action to ensure their children know how to swim as they head to the water this summer.”

Last year RBC Insurance became the presenting sponsor of Canada’s Swim Team, the movement to teach every Canadian child how to swim and launched a program called ’25 metres matters’, designed to enable kids to swim at least 25 metres non-stop by the age of 12.

“We know that teaching kids to swim 25 metres can help save lives. Our goal is to raise water safety awareness and to teach children to swim at an early age so they become more water-safe, healthier and confident,” added D’Onofrio.

Water Safety Tips for Families
With the summer swimming season hitting its peak, RBC Insurance worked with Martha McCabe, RBC Olympian and the reigning Canadian champion in the 200m breaststroke, to offer the following tips for keeping families safe around water:

  • Small children should never be left alone near water. Parents should always be within arm’s reach and actively supervise. According to the Canadian Red Cross, only 10 per cent of small children who drown actually planned to enter the water.
  • Teach your children that an adult must always enter the water and provide approval before the children enter. Once children are in the water, give your full attention to supervising.
  • Always make sure your children wear Personal Flotation Devices (PFDs) on boats, personal watercraft and in open bodies of water where additional flotation will provide an extra layer of protection. Remember however, that PFDs and inflatable toys are not a substitute for supervision.

**People should remember to wear proper sun protection and sunscreen, stay hydrated and keep cool. The BC Government has provided a number of tips on health-related illnesses and how you can stay healthy.**

About the RBC Insurance Poll
These are some of the findings of an Ipsos poll conducted between June 10 and June 15, 2015 on behalf of RBC Insurance. For this survey, a sample of 1,008 Canadian parents (with children under the age of 18 living in the home) were interviewed via the Ipsos I-Say panel. Weighting was then employed to balance demographics to ensure that the sample’s composition reflects that of the adult population according to Census data and to provide results intended to approximate the sample universe. The precision of Ipsos online polls is measured using a credibility interval. In this case, the poll is accurate to within ±3.5 percentage points, 19 times out of 20, had all Canadian parents been polled. The credibility interval will be wider among subsets of the population. All sample surveys and polls may be subject to other sources of error, including, but not limited to coverage error, and measurement error. About RBC Insurance
RBC Insurance®, through its operating entities, provides a wide range of travel, life, health, home, auto, wealth and reinsurance products and solutions, as well as creditor and business insurance services to individual, business and group clients. RBC Insurance has more than four million clients globally. We are one of the largest Canadian bank-owned group of insurance companies, and among the fastest growing insurance organizations in the country. RBC Insurance employs more than 3,000 employees, and is the brand name for the insurance operating entities of Royal Bank of Canada.
– 30 –

For more information, please contact:
Greg Skinner, RBC Corporate Communications, 416-294-5579
Bob Stellick, Stellick Marketing, 416-347-3191

Lloyd’s Stops Insuring Marijuana Firms Due to U.S. Law Conflicts

Lloyd’s of London has stopped insuring marijuana industry firms of any kind due to conflicts between federal and state laws over their legality.

In a May 29 memo addressed “Dear Colleague,” obtained by Insurance Journal, Lloyd’s Director of Performance Management Tom Bolt wrote to U.S. Syndicates that the company has considered various requests with respect to insuring marijuana or marijuana related businesses, either medicinal or recreational in the United States, and has determined that it no longer will support insuring marijuana operations of any kind until the drug is formally recognized by the U.S. government as legal.

“Any policies of this type that are currently in force should not be renewed and no new business should be written.  Existing quotes issued before today should be notified to your Syndicate Underwriting Performance account executive who will consider on a case by case basis whether the quote may be honoured,” Bolt wrote in the memo.

Lloyd’s confirmed the London insurer’s exit through the following statement to Insurance Journal, which contains similar language to the original memo:

“Currently, marijuana is listed as a Schedule 1 drug under U.S. federal law, which means that it is not legal for sale.  In addition, cash generated from the sale of marijuana may implicate federal Anti-Money Laundering laws. Nevertheless, a number of states have passed laws that permit the sale of marijuana for medicinal purposes and additionally a smaller number allow its sale for recreational purposes.

The article Lloyd’s Stops Insuring Marijuana Firms Due …read more

Source: Insurance Journal

Motorcycle involved in police chase in mall seized, owner fined for 58 offences

By Keven Drews in Vancouver

SURREY, B.C.  – A motorcycle used to evade police in a movie-like stunt through a suburban Vancouver mall even hurtling down an escalator has been seized by RCMP and its owner fined about $13,000.

Mounties in Surrey, B.C., announced Tuesday that even though officers can’t identify the driver in the Feb. 20 video of the escapade, they are holding onto the bike pending outcome of a civil forfeiture hearing.

RCMP Cpl. Scotty Schumann said the 58 traffic violations that led to the fine included speeding, disobeying a red light and driving without insurance.

“I’ve seen some crazy driving in my time but I’ve never seen anything where a vehicle tries to elude police by driving into a building,” he said.

“It’s absolutely amazing that this motorcyclist was able first to stay on the machine while riding down an escalator but also amazing that he didn’t strike shoppers.”

Schumann said registered owners are responsible for their vehicles at all times and can choose to provide officers with information about who was driving during an offence. Owners who don’t co-operate can be charged with the offence under the Motor Vehicles Act, he said.

“We have advised the civil forfeiture office that all the offences are from the provincial statute, the Motor Vehicle Act,” said Schumann.

The B.C. Ministry of Justice, which is responsible for the office, said in an emailed statement that it received the file recently and has initiated proceedings.

“Under the authority of the Civil Forfeiture Act, the police have the right to maintain possession of the motorcycle while the process continues,” the statement said.

The video cuts between police footage taken by a helicopter and a cruiser, as well as surveillance video from inside Guildford Town Centre.

The motorcyclist can be seen speeding through the streets of Surrey before entering the mall, driving down an escalator and through a set of sliding doors, forcing people to dodge out of the way.

Helicopter video shows the motorcyclist leaving the mall and riding across a pedestrian overpass.

Following the incident, police said officers called off their chase to avoid further danger to the public as the motorcycle rode southeast toward the Fraser Valley city of Langley at a high speed.

Schumann said the bike bore Hells Angels support stickers and was later recovered with stolen licence plates on a street in the city’s north.

Peggy Howard, the mall’s general manager, said the incident happened quickly, and the bike travelled across a parking lot and down an exterior escalator.

“Nothing like that’s ever happened before,” she said. “We were very, very fortunate that nobody got hurt and the equipment wasn’t hurt, either.”

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For teenage drivers, these are the deadly days of summer.

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