Randy Spenceley RIBO Licensed Insurance Broker

12/18/2025

With Hagerty UK – I just got recognized as one of their top fans! 🎉 I am a Canadian Insurance Broker who has my 2001 Porsche BoxsterS with Hagerty. Very happy with them.

07/06/2023

To all my friends, and boating friends. Hello! For the last few weeks i have been trying to put together a group of brokers who will use me as a reference for doing quote. As you are well aware, there are companies that do it right, and those who do not. I am in the process of training them how to insure boats the way i did. I want to have people i trust who i can refer you to. I am almost there. Another couple of weeks and i will post the link. These staff know to come to me if they have any questions. I expect the odd glitch in the begining but i want them to quote and treat you the same way as i have. I will update ypu soon!

01/11/2023

Well here is an interesting one for the books as far as possible claims go. This would probably be a game changer for managing claims, not sure we want to go there. The result I think is correct. Thoughts?

https://www.canadianunderwriter.ca/claims/insureds-traumatized-by-witnessing-car-accidents-are-not-entitled-to-benefits-tribunal-1004229427/?utm_medium=email&utm_source=newcom&utm_campaign=CanadianUnderwriterDaily&utm_content=20230110161045&hash=d6bc609745f8ad76685a45d6feb37ac0

12/17/2022

As the article says, you could be liable. Please have fun at this time of the year but use caution.

If you're hosting a holiday party this weekend, remember that you could be responsible for your guest's actions if liquor is served. Always ensure there is a designated driver & non-alcoholic beverages available.

12/17/2022

The holidays are an expensive time of year. But, there are ways to help save on your insurance premiums. Read, share and “gift” these tips to family & friends this holiday season.

12/17/2022

07/29/2020

I represent April Marine, have had several clients with claims with them and they have been very satisfied with the service they have received. Generally, April is one of the best priced companies that i can quote your Marine Insurance with. They will write Bass Boats, Pontoon Boats, Cruisers, Sail Boats, and even Seadoos, competitively. Please call me if you are interested in a quote with this company, and the others that, as a Broker, I represent.

Être assuré APRIL Marine a ses avantages! Avec APRIL Marine Assistance, vous bénéficiez d’une équipe à votre écoute 24/7 (remorquage, conciergerie...).

07/29/2020

Were you aware that companies consider the Water the new Fire? We use to see mostly fire claims, at one time, now they are water. With water claims the fear, of course is mold. Mold can be very costly to repair and we are seeing many more of these types of claims now. Keep your sump pump clear and consider a a battery back up and even, if you are like me, a spare sump pump, just in case. Have an awesome day!

Do you know what type of water damage you are covered for? If you're unsure, contact your insurance rep. and ask questions. Your rep. is there to help. To learn more: https://bit.ly/38dxiEA

07/29/2020

Some of you may not know this but many of the companies I represent will add your cottage to your homeowners policy. This is usually best for coverage and cost. Just a thought!

Did you know your cottage can be listed on your home insurance policy as a secondary or seasonal location? Speak to your insurance rep. about the type of coverage that works best for you. Learn more: http://bit.ly/2sRGhba