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00:49

Aviva has introduced a new insurance product for ridesharing programs. But we're predicting most drivers won't even bother


A prediction, and a challenge.
As promised, Aviva Canada, one of Canada’s largest insurers, now has a plan in place for ridesharing programs in Ontario, and are currently with regulators in other key markets, such as Alberta, Quebec and the Maritimes. They don’t call it the Uber plan, but it’s the Uber plan. While acknowledging they want no part of ongoing legal gymnastics taking place over the legality of Uber in centres across Canada (Uber is not legal in most centres across Canada), they do want to make sure their customers are protected should they sign up to drive for a ridesharing program.
The goal is to cover the gap between personal car insurance policies and commercial ones; once you drive your vehicle for money, like picking up people and driving them around, you have left the realm of using your vehicle for personal reasons and your insurance changes. Prospective Uber drivers were finding if they called their personal insurance company to inquire about securing the proper coverage, they faced one of two usual outcomes: commercial rates that dwarfed their personal ones, or a cancelled policy. Most prospective Uber drivers then did what human nature would dictate they would do: they stopped calling their insurance companies to ask about securing proper coverage.
Uber, the world’s largest (and still mostly illegal in most jurisdictions) rideshare program set up shop and quickly dominated the market with their ease of use: you have an app on your phone that delivers an Uber driver to your location fast, and frequently gets you to your destination cheaper than a traditional cab would. They also have things like surge pricing, which is just what it sounds like: prices surge if demand is high, and there are a lot of New Year’s Eve horror stories out there. People have wrongly pitted this as a taxi vs. Uber fight, when in reality it is an Uber vs. the law fight. If riders think the current taxi industry in their area is unreliable or costly or smelly, the answer is not to hop into an unregulated, uninsured, illegal ride. Taxis should get better; Ubers should get legal.
Uber has never much cared if it played by the rules or not, and it hasn’t. Taxis are revolting everywhere (insert Monty Python line here) because their long-held monopoly on the industry has been shattered, legally or not. Uber and the threat of Uber has municipalities scrambling to decide if they should make it legal so as to protect their constituents and piss off the local cab industry, or outlaw it and watch people do it anyway.  
An Uber driver sits in his car parked near the San Francisco International Airport parking area in San Francisco, Wednesday, July 15, 2015.
Jeff Chiu, THE CANADIAN PRESS/AP
Currently, nearly every Uber car you get into is riding without insurance. The driver may think he or she has coverage because their provider is unaware they are driving for a rideshare program. Testing that theory will take exactly one collision, when that information will come to light and the insurance provider will in all probability void the policy.
Aviva has offered up a good product. Drivers must have at least six years of a clean driving record and drive no more than 20 hours a week for a rideshare program to be able to secure full gap coverage for as little as $500 to $600 annually on top of their regular policy rate. Those are the broad strokes. One broker I spoke with recently wrote a policy in the Toronto area where the surcharge was $1,000; another was $1,600. Like all insurance, that rate will be predicated on your driving record. That 20 hours a week will be taken at your word, unless you have a crash or claim and they take a boo at your Uber records just to confirm it. The fabulous technology that makes Uber so much fun will also bite you in the butt if you lie.
Aviva Canada’s senior manager of public relations, Glenn Cooper, is blunt. “If you live in a high-density area where insurance rates are already high, and your driving record isn’t good, you might want to rethink rideshare driving as a career.”
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00:48

What if you could buy car insurance that would cover you only for the miles you drive your car, instead of year-round, 24 hours a day?
Or how about joining with your friends to buy car insurance as a group and qualifying for discounts if no one in the group gets into an accident?
Those are some of the possibilities being developed by startups around the U.S.
Metromile, of San Francisco, offers coverage by the mile, and Lemonade, of New York City, is among those planning to offer small group coverage.
If health IT startups are all the rage, insurance startups are headed there, leaders in the entrepreneurial community say.
So gener8tor — the Madison/Milwaukee business accelerator — and Lightbank — a $200 million Chicago venture capital fund started by Groupon’s founders — are staging theOnRamp Insurance Conference in Chicago on March 31.
It is the first such conference in the country, said Sara Woldt, gener8tor’s director of business development. She said the idea is to address the “disruption” going on in the insurance industry.
“Lots of startups ... are creating solutions that are really changing how some of these corporations are selling insurance or working with their claim holders,” Woldt said.
More than two dozen big-name insurance firms are signed up to participate, including American Family Insurance and CUNA Mutual Group, both of Madison, as well as six other Wisconsin insurance companies and Harley-Davidson.
At least 60 startups are scheduled to make presentations to the companies, including six from Madison: AltusCampus; Catalyze; EnsoData; Telematic; Quietyme; and Understory.
Venture capitalists also will attend.
Woldt said the conference is meant to bring the groups together to see how entrepreneurs can work with large corporations to create strategic partnerships and, in some cases, to talk about investment opportunities.
The most impressive U.S. startups and the most active investors have been invited, she said.
Some of the young companies have new concepts for the insurance industry while others may have insurers as their customers, said Woldt. “There’s a multiplicity of opportunities that could be discussed.”
AIG, Allstate, Northwestern Mutual, Prudential, Sentry Insurance, State Farm and Kaiser Permanente are among the companies set to attend.
According to CB Insights, funds invested in insurance tech companies topped $2.5 billion in 2015.
“As startups continue to disrupt segments of the insurance industry, there is a need for all the innovators and players in insurance to get in the same room together,” the conference website says.

Madworks takes the cheese, and more

From mindfulness to cheese, there’s a variety of startups under the tutelage of the Madworks Seed Accelerator.
The group’s sixth cohort includes:
  • 3LW: customized mindfulness training classes for organizations to boost employee productivity.
  • Creme de la Coulee: producer of French-style, soft-ripened cheeses, looking to start a Cheese of the Month Club in cooperation with other Wisconsin artisan cheesemakers.
  • Ludipics: a social networking app where participants compete to post the best pictures and videos.
  • Metrecycle: electronic waste collection for developing countries.
  • Physical Literacy America: educating children about being physically active for the rest of their lives.
  • Roll Play: builds original, mobile arcade games.
Physical Literacy is based in Stoughton; all the rest are in Madison.
Madworks takes on very early-stage companies for 10 weeks of mentorship. The current session ends April 18.
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00:46
(PRLEAP.COM) March 18, 2016 - ShopInsuranceCanada.ca (Shop Insurance Canada) offers one of the most robust auto insurance quoting tool online, giving customers an easy and efficient way to find the best premium rates from over 25 of Canada's largest providers. The portal is made by industry experts who know the auto insurance market in Canada and can offer the best advice for consumers seeking to insure a vehicle.

Through Shop Insurance Canada, customers are able to be equipped with in-depth knowledge when looking for the best possible coverage to suit their individual needs. The company is warning those shopping for auto insurance to know what to expect and what dictates premium rates when trying to ensure the best deal.

Many people misunderstand the auto insurance industry, and misconceptions have arisen around coverage options and what insurers judge as criteria for deciding premium cost. Shop Insurance Canada is dispelling the most common auto insurance myths in its latest effort to arm consumers with quality industry knowledge:

Do insurance companies charge the same rates across the country?
While individual insurance providers do use the same criteria to judge premiums, companies employ different rates depending on the province and city in which the consumer resides. Providers gauge rates based on numerous criteria, among them location based data such as accident and theft rates for a region and the average premium cost of a city/province. Instead, postal codes are used to help determine the price of insurance.

Are red cars in general more expensive to insure?
Unless the red car happens to be a Ferrari, you will be paying the same auto insurance for a red car as you would for any other color of the same make, year, mileage, and other deciding factors. As Shop Insurance Canada points out, many insurance providers do not even ask what color the vehicle is when going through policy details.

Does policy cancellation due to unpaid coverage affect insurance rates?
Many believe that a missed policy payment will not mean having to pay a higher premium rate in the future. While a missed payment has nothing to do with vehicle, demographic, or location, it does show that the customer is a risk to insure. Missing payments that lead to a cancellation of a policy can lead to as much as $250 placed on the next premium, while some companies will refuse insurance if there is evidence of multiple missed payments.

Does putting a son/daughters car under a parents name bring down the car insurance premium?
While a parent in most cases will undoubtedly be "more insurable" than a novice young driver, auto insurance companies do not calculate premiums based on the owners of the vehicle. Instead, rates are decided based on who will be using the vehicle, which means the same rates will apply for the young driver whether they own the vehicle or not.

Do insurance brokers commission costs get transferred onto policy premium?
A common excuse for not using a broker is because they cost money to use. Actually, auto insurance brokers do not get paid by the client, with all costs picked up by the insurance company instead. Shop Insurance Canada points out that brokers are vital in ensuring customers have the very best deal possible, while also offering advice and guidance in the policy process.

Should all collisions be reported to the police?
Clients often think that police need to be involved in every traffic related accident. The truth is, unless there is criminal wrong doing (DUI or insurance fraud) then in many cases the police do not need to be called. There are exceptions, and every accident that results in over $2000 in damage should be reported to the police. In other cases clients should simply exchange insurance details with other parties and contact their auto insurance provider. 

Do all accidents result in a higher insurance rate?
Easily one of the most common misconceptions sees clients believe all or any accident they are involved in will mean their insurance premium will be higher upon renewal. Only collisions that are deemed at-fault (in other words, the client caused the accident) will result in an increase in premium. If for example the customer is 0% at fault then their rate will remain the same or even decrease depending on other factors. If they are at-fault (even 1%) then insurance companies will increase the premium, how much a client is at-fault is irrelevant. 
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00:46

A Peterborough company has just agreed a new deal with a national bank to launch a car insurance product.

The agreement has been reached between Junction, which is part of insurance giant BGL Group, based in Orton Southgate, and financial services provider the Bank of Scotland, part of the Lloyds Banking Group.
It means the Bank of Scotland will be able to offer competitive car insurance with a range of benefits and extras.
The deal is an extension of Junction’s long-term partnership with the Lloyds Banking Group, through which it provide insurance products for Lloyds and Halifax.
The move adds to the strength and range of insurance products available through Junction, which currently provides insurance for more than two million customers.
These are offered through high profile brands such as M&S Bank, Co-op Insurance, RAC Insurance, Post Office, Lloyds Bank, Halifax, and Santander.
It is likely to further fuel the growth of Junction, which, says the company, has enjoyed a record-breaking start to its financial year with year-on-year sales increases of more than 25 per cent.
Junction’s managing director, Gary Duggan, said: “We are delighted to extend our relationship with the Lloyds Banking Group.

“Our partnership has been extremely successful and the introduction of Bank of Scotland will further increase the strength of our insurance offering.
He said: “Junction continues to introduce new partnerships and products as part of our ongoing growth.
“We have enjoyed a strong start to 2016 and have cemented our position as the insurance partner of choice for the UK’s biggest brands.”
Paul Birkhead, head of motor and corporate partnerships for Lloyds Banking Group, said: “We are continually working with our motor insurance partners at Junction to improve our products and services to help customers protect the things most important to them.

“The launch of Bank of Scotland Car Insurance is an important milestone, giving our customers greater choice by offering comprehensive and competitive cover through an iconic and trusted brand.”
There are a number of key features of the new product.
It will allow Bank of Scotland’s internet banking customers to receive a 10 per cent discount on standard car insurance cover in the first year.
All customers will benefit from a three year guarantee on repairs carried out at approved garages and a 24-hour emergency and windscreen helpline.
The cover also includes 60 day European Union cover and no claims discount rewards for careful driving.
Customers taking out comprehensive cover will receive additional benefits such as a courtesy car whilst their car is being repaired, and new car replacement if their new car is stolen and vandalism cover, subject to terms and conditions.

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00:44
Auto insurance is a mandatory investment in many states. Car owners who do not have the minimum vehicle coverage required by their state's laws, will not be able to legally drive. If auto insurance is mandatory, it doesn't mean that it is cheap too. Especially in some states, drivers have to spend a lot on vehicle coverage.
The newly released article presents five simple money saving tips that will help drivers reduce their coverage expenses by more than 25%. The article puts a lot of accent on information and indeed, when buying auto insurance online, information is key.
Many customers do not know enough about auto insurance to be able to make the right decision. The good news is that there are now a lot of available resources that can help car owners learn more about vehicle coverage. The blog section found at http://compare-autoinsurance.org/ provides excellent articles on various car insurance topics. Many articles, like the one released today, offer tips for buying auto insurance at low costs.
Clients can also compare online auto insurance quotes. Quotes provide price information about policies selected from different agencies. Comparing quotes is a great way to see competitive rates and select the cheapest plan available in an area.
To get a list of auto insurance quotes, a driver has to complete the ZIP code in the appropriate box and complete an online form with some basic information about the vehicle, policy and his/her own driving record. A list of car insurance quotes will be instantly generated. By clicking on a quote, a driver will be redirected to the agency's website to complete the purchase. This makes buying auto insurance online very convenient and fast.
"Compare car insurance quotes everytime you want to find cheap coverage online. Our website provides top plans from the best agencies in just a few minutes," saidRussell Rabichev, Marketing Director of Internet Marketing Company.
Compare-autoinsurance.org 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.
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00:43

A car insurance Glendale NY is an absolute must for car owners to save themselves from the burden of paying hefty bills on repair in the event of an accident. 
There is one family owned and operated insurance agency that has served the residents of New York, New Jersey, Pennsylvania and Connecticut since 1967. All throughout these years, residents of these places have had not to worry about their insurance needs as this insurance agency had taken the responsibility to offer them whatever insurance coverages they required. The insurance agency named Hughes Associate Inc., has never ever failed to deliver as per their customers requirements and demands. What is more, they have always lent a patient ear to whatever their clients had to say and then provide them with valuable advice on the same. At Hughes Associate Inc., the insurance agents are well aware of the importance of an insurance coverage. From homeowners insurance to life insurance to auto insurance Glendale, NY, the insurance agency provides all and nothing less than the best of coverages.
One of the spokesperson of the company says, ‘A car insurance Glendale NY is a must not only for registration of the vehicle, but it also comes handy when it concerns the car in need of extensive repair resulting from an accident. In the event of an accident, there is more than what might appear to have been damaged and requires replacement. All these repairs and changes will be expensive and in the absence of an auto insurance Glendale NY, the car owner will have to pay the money from their own pocket. On top of that, a car owner might have to bear the medical costs of the driver, if any. With a simple car insurance Glendale NY, one can not only protect oneself and the family but also ensure financial security.’
It pays in the long run to work with a reputed insurance agency and Hughes Associates, Inc., with 40 years of experience is indeed one such agency. They have been helping  individuals protect their future financial security against expensive liability losses as a result of an automobile accident.
For more details on their auto insurance Glendale NY, please visit

http://www.hughesassocinsur.com/

About The Company: Hughes Associates, Inc., has many years of experience in providing auto insurance Glendale Ny apart from commercial insurance, homeowners insurance, life insurance and more.

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00:42
Yes, auto insurance companies look at your credit score and a lot of other factors when determining what your insurance premiums will be. It’s all about risk, and insurance companies rely on some pretty sound statistical data to determine just how risky you and your driving habits are. It’s a common belief that the faster your car can go the more expensive it will be to insure, but that theory is not really true.
What is true is that performance vehicles, which do go faster than the average person’s car, are typically more expensive to insure because of their sheer value and cost to repair.
“It’s not the speed, but it’s the price for keeping the car looking good after an accident that you’re paying for,” said Lynne McChristian, a representative for the Insurance Information Institute and member of the teaching faculty at Florida State University’s Insurance Department.
Tabetha Hammer, a spokesperson with Hagerty Insurance, which specializes in classic and exotic car policies, said modern high-value, high-performance cars (think Ferrari and Lamborghini) almost always cost more to insure.
“With the modern exotic vehicles, the typical higher premium … is not necessarily based on it going faster, but the increased overall risk,” she said. “It is much easier and more appealing to utilize a vehicle of that nature for ‘regular use’ than a classic version [would be].”
So what exactly factors into your auto insurance premiums? According to DMV.org, a private company that provides information and resources for drivers across the country, these are the major factors: age, gender, location, vehicle type, marital status, accident history, driving record, annual mileage and credit score. Additionally, the site says people who generally get the lowest insurance rates are those who:
  • Are female
  • Are older than 25 years old
  • Are married
  • Drive an older, less expensive car
  • Drive a car with a good safety record
  • Live in a rural area
  • Have no chargeable accidents
  • Have no moving violations
  • Meet insurance low mileage standards for your state
  • Have a high credit score
“Drivers with these characteristics have been shown to — on average — cause fewer accidents, report fewer claims, and cost insurers less money,” DMV.org says on it’s website. “That’s why those who fit into most of these categories pay a cheaper car insurance rate than other drivers.”


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