Toronto Insurance

Valuable information for Toronto commuters.

Lane reductions on Highway 401 eastbound collectors to Highway 427 southbound at Renforth Avenue: expect significant delays.

Highway 427 southbound collector lanes: expect periodic full closures and significant delays.

Highway 427 southbound express ramp to the eastbound Gardiner Expressway: expect periodic full closures and significant delays.

Southbound Highway 427 traffic will be required to exit to westbound QEW during these periods.

The eastbound QEW/Gardiner Expressway: expect periodic full closures and significant delays during these periods. At Highway 427, all eastbound traffic will be re-routed to Highway 427 northbound. The eastbound York, Bay, Yonge Streets exit will be closed.

Highway 401 eastbound ramp to Renforth Avenue and the on-ramps from Renforth Avenue to Highway 427 southbound will also experience periodic closures.

Highway 27 southbound will be periodically closed at the 401 overpass during periods when Highway 427 southbound collector lanes are closed. During these periods there will be no access to Highway 427 collector lanes from Highway 27: expect significant delays.

There will be no access from Highway 427 southbound express to Holiday Drive and Burnhamthorpe Road.

More information on:  http://www.g8-g20isu.ca/g20/traff-circ-eng.htm

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Many people in Toronto, ask why I should choose an insurance broker. An insurance broker provides a service, obviously insurance coverage. When an insurance broker represents many different companies, they can place their clients with certain “markets” which prefer insuring different risks. In simple terms, if you have 4 speeding tickets and Company A likes insuring drivers with no tickets and Company B likes insuring people with 4 or less tickets, you will be placed with Company B.
This can apply to business insurance as well, some companies specialize insuring construction risks, while others may prefer insuring retail stores or restaurants, offering better rates to the type of business they prefer and want.
It is the job of an insurance broker to know what each of their companies prefers and acquiring the best price for the best coverage for their clients.

Many insurance brokers also answer many questions for their clients, assist in any claims process and can add coverages, remove or add vehicles quickly and efficiently – unlike call centers.

If you are not pleased with your current insurance adviser, you owe it to yourself to shop around, speak to a few brokers and find one you think you can work with.

The value provided by a good insurance broker is bar none. Stop waiting on hold!

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Many clients of Toronto Insurance brokers have been asking about Ontario’s new legislation which has made it an offense to talk on a cell phone while driving. Here are some questions and answers.

How much is the fine?
If caught, you expect to pay a $150.00 fine, but it can be as high as $500.00

Does it go on my driving record and affect my insurance?
Yes

Do you get points taken off?
In short, No. But if warranted the police officer could lay a charge of careless or dangerous driving. A conviction of careless or dangerous driving results in 6 demerit points and a fine of up to $1,000.

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Chrystyna Kowal has been a Toronto Insurance Broker since 1980. She has provided insurance for many families, businesses and people across Ontario. Chrystyna Kowal has been described an insurance professional who is knowledgeable, caring and efficient. Currently Chrystyna is an associate broker for Vachon Enright & Peter Insurance ltd. Chrystyna provides:

• Car insurance
• Home insurance
• Business Insurance
• Hot dog vendor insurance

Her Motto:“Contact me for a quote. Hopefully I can save you money and if I can’t we can both be satisfied that you have a fair rate already”
Languages Spoken: English, Ukrainian, Polish, Russian, French (un peu)

Contact Chrystyna Kowal today:

Office: 416 239-3373

Mobile: 416 939 9200

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Insurance Brokers in Toronto are recently challenged by questions posed by their clients. This year alone, car insurance reforms, the new HST tax, higher insurance prices, and a new ban on driving while talking on a cell phone have come in all at once this year. All of these developments have created questions by clients. We will be discussing these topics in further detail in the coming days, providing answers for consumers and a forum for Toronto insurance brokers to ask their own questions or provide answers and insights. Welcome to Toronto-Insurance.Com a newly developed portal for brokers to connect with each other and consumers.

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