Insurance with Tash

04/27/2026

🚗 Ontario Drivers: 📣 Did You Know DCPD Is Now Optional?

Direct Compensation Property Damage (DCPD) is no longer mandatory on auto policies in Ontario, but opting out isn’t always the money-saver it seems.

🔍 What is DCPD?
DCPD covers damage to your vehicle when you’re not at fault in an accident involving another insured vehicle in Ontario.

💡 If you remove DCPD, here’s the risk:
❌ No coverage for damage to your vehicle if you’re not at fault
❌ You may have to pay out of pocket for repairs
❌ You can’t rely on the other driver’s insurance to pay you directly
❌ Potential delays and legal headaches trying to recover costs

💰 Yes, you might save a bit on premium…
…but you’re taking on significantly more financial risk if something happens.

⚖️ Bottom line:
DCPD protects your vehicle in situations where you did nothing wrong. Removing it shifts that risk back onto you.

📩 Not sure what’s right for you? Reach out, I am happy to walk through your options and make sure you’re properly protected!

04/21/2026

🚗 Big changes are coming to Ontario auto insurance (July 2026).

Ontario is moving to a more customizable system for accident benefits. While medical, rehabilitation, and attendant care will remain mandatory, most other coverages like income replacement, caregiver, and death benefits, will now be optional.

What does that mean for you?

✔️ More flexibility to choose coverage that fits your needs and budget

⚠️ But also more responsibility to make sure you’re properly protected.

If you don’t select additional coverage, you may not have certain financial support after an accident.

Now more than ever, it’s important to review your policy and understand what you’re covered for.

📩 Have questions? Let’s make sure you’re protected the right way.

04/20/2026

Back at it again 🙂
Feel free to reach out if you would like some quotes on your home and auto insurance! 🙂 🚘🏘️

05/26/2021

Not everyone who rents has tenant insurance, yet it's an integral thing to have. Just because you don't own a home doesn't mean you shouldn't get tenant insurance and protect your belongings. FUN FACT: Some landlords now require it as a condition of their lease. Read here about the pros and cons of getting tenant insurance: https://bit.ly/3wnEwRp

01/17/2021

Maybe you’ve heard the myth that insurance companies have an exclusion for “Acts of God” (or natural disasters), but the truth is that type of exclusion isn’t something used in the Canadian insurance industry and you can get coverage for natural disasters.

So, does this mean you are covered for ALL natural disasters? It’s not that simple; a lot of it depends on the coverage you decide to purchase with your insurer.

A typical home insurance policy may cover you for natural disasters such as wildfires or hailstorms, but your broker will offer you extra coverage that does not come with a base home insurance policy such as flooding, sewer backup and earthquake coverage. Consider carefully when you shop for insurance and weigh the risks to your home because without these endorsements on your policy, you will have to pay out of pocket for any damage to your property.

It’s usually better to be safe than sorry. Purchasing the additional coverage for natural disasters will provide the peace of mind and financial stability you need in the middle of a crisis.

The winter is a time of extreme weather changes that may put your home at risk. Take the time to review your home insurance policy with your BIG broker today and be prepared for any adverse weather that may impact your home.

12/19/2020

The holidays are the perfect time to gather around the fire and enjoy time together as a family! While you do that, you should be aware of potential fire hazards and try to eliminate them. Here are some of Santa’s fireplace safety tips so that you can protect your family and your home from a fire.

🔥 Open the damper or flue before you start a fire for proper circulation (and so that Santa can come down the chimney).

🔥 Clear out ashes from previous fires leaving only about 1 inch at the base. More ashes could result in less air supply and more smoke.

🔥 Have the chimney checked annually by a professional so that Santa doesn’t meet any animals nests or blockages on his way down.

🔥 Reduce risk of injury or fire by removing flammable items nearby, installing a safety screen to reduce the risk of your child getting a burn, and keeping fireplace tools out of your child’s reach.

🔥 Use dry, aged wood to get a good, even burn with less smoke.

🔥 Maintain good air circulation throughout the house – crack open a window, install a CO detector and make sure smoke alarms are in working order.

🔥 Have a fire extinguisher on hand in case of an emergency.

If you have home insurance, damage to your home due to a fire is likely covered on your policy. Speak with a Broker today to learn more about your policy to ensure you have the right coverages and that your home insurance is up to date. Have a safe and Happy Holiday by the fire!

11/25/2020

Drive safe and keep your vehicle clear of ice and snow to ensure everyones safety.

Tickets can impact your insurance and increase your rates. So be sure to take a few extra minutes to clean off your vehicle to protect yourself and other drivers on the road!
❄️🚗🌨️

Dramatic evidence of what can happen if you don't remove ice or snow from your car. CTV's Megan Shaw reports.

10/21/2020

Such a nice testimonial to receive! Though we put service and guidance ahead of savings, we know it's always icing on the cake to keep hard-earned money in your pocket.

Feel free to reach out for some quotes as I am always happy to help!!

10/13/2020

If you’ve been with the same insurance company for any length of time, some will reward their clients with loyalty discounts. Watch out though, the fact is that not all companies offer a loyalty discount, and for those that do, it’s typically around 5%. While you may feel enticed to stay for the loyalty discount, there could be a much better rate out there! The only way to find out is to… shop around! It never hurts to get a few quotes from other insurance companies and I can do just that!

You will not lose your loyalty discount for simply shopping around. The only way you would lose your discount is if you find a better price and switch companies, at which point you have a better price anyway. You’ve got nothing to lose, so why not click that link below to get a quote and start shopping!

The added benefit to a brokerage like ours is that we have access to multiple markets. So, if your price increases with a particular company, I can shop your insurance each renewal to get the best coverage at the best price, all while still showing your loyalty. It’s a win-win!



https://www.brysoninsurance.ca/natasha-lucas/

09/30/2020

Does Leasing or Financing Affect Car Insurance?

If you are getting a new car, you might be wondering whether leasing or financing could be cheaper for your insurance. There is generally very minimal to no effect on your insurance caused by whether you lease or finance the vehicle. Rather, your driving record and insurance history, where you reside, and the type of vehicle you are insuring are factors that impact your insurance rate.

The only significant difference for your car insurance if you lease the vehicle is that the leasing company will be listed on your policy since it technically owns the car. Since you are required to protect their interest, you will likely have to purchase collision and comprehensive insurance for the vehicle.

Most people will have collision and comprehensive coverages on a new car anyway, and it’s smart to have because without it, you're on the hook for any damage to it that occurs due to a collision or if it is vandalized or stolen. Ultimately, leasing or financing a vehicle should not affect your car insurance rate, given that you are taking the recommended collision and comprehensive coverage.

If you’re financing or leasing a new vehicle, get a free, no-obligation quote! 😊