Category Archives: Client Service Alerts

Electronic Pink Slips Now Available in Ontario

e-Pink Slips Now Available in Ontario

As of September 5th 2019,  The Financial Services Regulatory Authority of Ontario (FSRA) has approved the use of electronic proof of auto insurance in Ontario.  More information about the FSRA’s announcement can be found here.

Insurers may now provide electronic insurance cards that serve as proof of auto insurance on a mobile device. Consumers have the option of keeping an electronic insurance card on their mobile device instead of, or in addition to, a paper version.

For people who prefer the paper “pink card” as their proof of auto insurance, it is not being eliminated.  Electronic proof of insurance simply provides an option for Ontario drivers who own or lease a motor vehicle, including motorcycles and trucks, to access their auto insurance card in the way that best suits their needs.

During a one-year transition period, insurers who provide an option for an electronic insurance card must continue to provide a paper version of the insurance card at no additional cost.

So, what does this mean to you as a Jones & Associates Insurance client?

Our goal is to provide services that are convenient and easy to use.  We want our clients to have choice on how and when you receive documents and communications.  E-pink slips are one way in which you can control this experience.

Pink Slip Preference

To request your pink slip preference, please fill out our online form:

Request Your Pink Slip Preference

How to protect your data when providing your electronic proof of insurance

Learn how to lock your phone when providing your electronic proof of insurance from our friends at IBAO.org

Protect your Data while using Electronic Pink Slips

View the Video

 

FAQ’s

Q) What if my phone isn’t working or I have no data?

A) Drivers must ensure they can show proof of auto insurance, regardless of potential issues with a mobile device such as poor cellular service, drained batteries or damaged screens.

Q) I am concerned about my Privacy giving my phone over to a police officer.

A) Insurance providers offering electronic insurance cards must include lock screen capability. This reduces the risk of other people getting access to personal information when viewing the electronic insurance card. However, it is still the responsibility of the driver in question to enable the screen lock function and make sure personal information is protected.

Q) Do I have to still have a pink slip?

A) It is still the law to have proof of auto insurance in the vehicle at all times, whether in paper or electronic format. Drivers are required by law to show proof of auto insurance to a police officer when asked.

Q) What about when I am driving in different provinces or the USA?

A) The requirements for showing proof of auto insurance outside of Ontario could be different. Drivers are encouraged to contact their insurance provider with any questions about proof of auto insurance before driving outside of the province.

Q) How do I add my electronic proof of insurance to my mobile phone.

A) For more information on how this e-liability slip solution works, including how to add to your phone’s digital wallet, or lock the screen, visit epinkslip.com

Q) Are there other options for accessing my policy information and e-pinkslips with my phone or mobile device?

A) Yes, visit Jones & Associates Client Access for more ways to communicate and manage your insurance with us digitally.

Client Service Alert – Protect your Property from Ice Dams

Icicles that form during Northwestern Ontario’s never-ending winter may look beautiful, but they could be a symptom of something sinister – ice dams.

Ice dams are thick ridges of ice that build up along a home’s eaves. They block melting ice from escaping through the eavestroughs and they can spell it huge problems for your home, including a collapsed roof.

How do ice dams form?

When heat rises in your home, poor insulation and ventilation can allow this warm air to escape and heat your roof. The snow melts and causes water to flow until it’s far enough away from the attic’s warm air to freeze. As this process repeats itself, the melted snow continues to freeze in the same area to create a buildup of ice that eventually forms an ice dam.

Are ice dams damaging?

Fresh water ice weighs about 60lbs per cubic foot. When you consider that, it makes sense that ice dams can tear off gutters, loosen shingles, and cause water to back-up into your home causing peeling paint, sagging ceilings, and soggy insulation. On lower pitched roofs, even a thin ice dam can be problematic. At best, ice damming is a preventable, or at least fixable, situation. At its worst, it’s very damaging on your home and potentially dangerous.

How to prevent ice dams

The Insurance Brokers Association of Ontario (IBAO) has published these helpful tips to keep your home free of ice dams:

  1. Check your roof once a week to monitor the snow and ice accumulation; if you can, remove the snow and ice with a roof rake before it builds up.
  2. Insure that your attic is adequately insulated
  3. From inside your home, seal any perforations in the ceiling
  4. Ensure your soffit vents are not blocked by insulation
  5. Draw more air into the attic through the gable and eave vents
  6. Keep roof vents free of snow so cold air can circulate in your attic
  7. Make sure that the ducts connected to the kitchen, bathroom, and dryer vents all lead outside through either the roof or walls, but never through the soffit.
  8. If you are installing a new roof, have the contractor provide options for an ice and water shield.

We know that ice damming can happen despite your best efforts and intentions. Luckily, your home insurance policy could help to support you through any necessary repairs. If an ice dam has formed on your roof, do not climb up to inspect it or remove it yourself – leave that to the professionals.  Instead, check your attic for leaks.

If you do find a leak, give Jones & Associates a call to chat about next steps.

Client Service Alert – Excess Snow and the Risk to Property

Large amounts of snow on a roof

Snow, those of us who live in the North have a love/hate relationship with the white stuff.  When we get dumped on with a storm, most of us either hibernate or get excited about reaching for the skis.  Often, you’ll hear your friends and neighbours moan and groan about having to shovel the walkway and stairs, the driveway, and the driveway again.   With all this attention paid to clearing away the snow to protect those walking and the vehicles parking on our properties, we often forget to look up.  Removing accumulated snow from the roofs of your home and outbuildings is an excellent way to protect the property from damage and yourself from injury.

According to the National Research Council of Canada, the minimum snow load that a roof should be able to handle is 21 pounds per square foot. (That’s about 2 to 2.5 feet of packed snow)!  As your home and roof age, the risk of damage to your home increases.   Watch for signs of impending collapse:

  • Sagging ceilings
  • Visible cracks in ceilings and interior walls
  • Leaks
  • Unusual cracking or popping sounds
  • Warped or bent utility pipes
  • Doorways that won’t close or are hard to open

You can help avoid these symptoms by always performing regular maintenance on your roof, keeping drains, gutter and downspouts clear of snow and being diligent with removing excess snow from the roof itself.   To reduce the risk of damage to shingles or injury to yourself, consult insured professionals to help you keep the surface as clear as possible of dangerous weight and ice.   

Stay Warm