Billyard Insurance Group

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Billyard Insurance Group The Billyard Insurance Group is an independent insurance brokerage in Canada. We offer Auto, Home,

Handing over the car keys to your teen? 🎉🔑 It’s a huge milestone—but it can also feel like a major shock to your auto in...
09/26/2026

Handing over the car keys to your teen? 🎉🔑 It’s a huge milestone—but it can also feel like a major shock to your auto insurance premium!

Adding a newly licensed teen driver to your family policy in Ontario doesn’t have to break the bank. Here are 4 proven ways to keep your rates manageable:

🎓 1. Certified Driver Training
Enrolling your teen in a Ministry-approved Beginner Driver Education (BDE) course can significantly reduce their insurance premiums and shorten the wait time for their full G licence.

📚 2. Good Student Discounts
Many insurance companies offer discounts for students who maintain an 80% (or "B") average or higher. Good grades really do pay off!

🚗 3. List Them as an Occasional Driver
Unless your teen has their own vehicle, listing them as a secondary/occasional driver under a parent's car is much more affordable than having them as a primary driver.

📱 4. Telematics & Safe Driving Apps
Opting into usage-based insurance programs tracks safe driving habits (speed, braking, smooth turns) and can unlock immediate and ongoing premium discounts.

Have a new driver in your household? Let’s find the best rate together so your teen can hit the road safely and affordably! 🛣️

🏢 Billyard Insurance Group Inc.
📍 109-875 Milner Avenue, Scarborough, ON M1B 5N6
📩 Send us a DM or visit our Scarborough office for a free quote today!

When a chip turns into THIS... repair is no longer an option. 💥🚗A shattered or severely cracked windshield isn't just an...
09/25/2026

When a chip turns into THIS... repair is no longer an option. 💥🚗

A shattered or severely cracked windshield isn't just an eyesore—it’s a major safety hazard. Your windshield provides up to 30% of your vehicle's structural strength in a rollover and keeps airbags deploying properly.

Here is what you need to know about Windshield Replacement & your auto insurance:

🔹 When do you need a full replacement?
If the crack is longer than a credit card, is in your direct line of sight, or reaches the edge of the glass, the windshield must be fully replaced.

🔹 Is it covered by insurance?
YES—if you carry Comprehensive Coverage on your policy. You will just pay your agreed-upon comprehensive deductible.

🔹 ADAS Calibration:
Replacing glass on newer vehicles also means recalibrating lane-assist and collision-warning cameras mounted on the windshield. Comprehensive coverage helps protect you from these steep out-of-pocket tech costs!

Don't wait until a small stone chip turns into a full replacement. Check your coverage today!

🏢 Billyard Insurance Group Inc.
📍 109-875 Milner Avenue, Scarborough, ON M1B 5N6
📩 Send us a DM or visit us in Scarborough to make sure you're properly covered.

*SNAP!* 💥 That sudden sound on the highway is every driver’s worst nightmare. A flying pebble on the 401 can turn a tiny...
09/24/2026

*SNAP!* 💥 That sudden sound on the highway is every driver’s worst nightmare.

A flying pebble on the 401 can turn a tiny chip into a spiderweb crack across your entire windshield in no time. But does your car insurance cover it? 🤔

Here is what you need to know in Ontario:

🔍 1. It Falls Under "Comprehensive Coverage"
A cracked or shattered windshield from road debris is covered under your Comprehensive coverage, not Collision.

💵 2. Repair vs. Replacement
• Small chips can often be repaired quickly, and many insurers will waive your deductible for repairs!
• Full windshield replacements (like the one pictured!) require paying your policy's comprehensive deductible.

🚘 3. High-Tech Windshields Cost More
Modern cars have front cameras and safety sensors (ADAS) mounted behind the glass. Replacing the windshield also means recalibrating those sensors, which can easily cost over $1,000+ out-of-pocket without the right coverage.

📈 4. Will It Raise Your Rates?
Generally, a single comprehensive glass claim won't increase your premiums, but having the right deductible in place makes all the difference!

Unsure if you have glass coverage on your policy? Let our team check for you!

🏢 Billyard Insurance Group Inc.
📍 109-875 Milner Avenue, Scarborough, ON M1B 5N6
📩 DM us or stop by our office to review your auto policy today!

Did you know that touching your screen while stopped at a red light is still considered distracted driving in Ontario? 🚗...
09/23/2026

Did you know that touching your screen while stopped at a red light is still considered distracted driving in Ontario? 🚗🛑📱

It’s easy to think tapping your dashboard touchscreen or adjusting your GPS only takes a second, but in Ontario, distracted driving penalties are steep:

⚠️ Fines up to $1,000
⚠️ 3 demerit points
⚠️ A 3-day licence suspension for a first conviction
⚠️ Major conviction on your record, causing insurance premiums to skyrocket

Quick safety tips before putting your car in drive:
🗺️ Set your GPS and route before you leave your driveway
🎵 Queue your playlist or podcast in advance
✋ Pull over safely if you need to input directions or handle an alert

Safe driving keeps everyone protected—and keeps your insurance rates low!

Got questions about your auto policy or how convictions affect your rates? We’re here to help you stay informed and covered.

🏢 Billyard Insurance Group Inc.
📍 109-875 Milner Avenue, Scarborough, ON M1B 5N6
📩 Send us a DM or drop by our office for a personalized insurance check-up!

Ever wonder if installing a dash cam is actually worth it? 🚗👀While a dash cam won’t automatically reduce your insurance ...
09/22/2026

Ever wonder if installing a dash cam is actually worth it? 🚗👀

While a dash cam won’t automatically reduce your insurance rate in Ontario, having one can save you time, stress, and thousands of dollars when it counts:

✅ Clear Evidence: Eliminates "he said, she said" disputes after a collision.
✅ Fraud Protection: Shields you against staged accidents and false claims.
✅ Hit & Run Record: Helps capture license plates if a driver takes off.
✅ Protects Your Record: Proves you weren't at fault, protecting your claims-free discount!

Do you currently drive with a dash cam? Let us know in the comments below! 👇

Have questions about your auto coverage? We're right here in the neighbourhood to help.

🏢 Billyard Insurance Group Inc.
📍 109-875 Milner Avenue, Scarborough, ON M1B 5N6
📩 Send us a DM or visit us in person for a quick quote!

🚗 RENTING A CAR?Before you drive away, know your coverage.Your personal auto insurance may provide coverage for a rental...
09/21/2026

🚗 RENTING A CAR?

Before you drive away, know your coverage.

Your personal auto insurance may provide coverage for a rental vehicle, depending on your policy and circumstances.

✅ Check your coverage before renting
✅ Understand your deductible
✅ Ask about liability and physical damage coverage
✅ Review the rental agreement before you drive away

A little preparation can help make your trip a lot smoother.

Billyard Insurance Group Inc.
109-875 Milner Avenue • Scarborough • Ontario • M1B 5N6

📞 Have questions about your auto coverage? Give us a call.

🚗 **BE EXTRA VIGILANT ON THE ROAD WHEN…** ⚠️☀️ **Driving in Bright Sunlight** – Reduce glare and keep your windshield cl...
09/20/2026

🚗 **BE EXTRA VIGILANT ON THE ROAD WHEN…** ⚠️

☀️ **Driving in Bright Sunlight** – Reduce glare and keep your windshield clean.

🌧️ **Roads Are Wet** – Slow down and increase your following distance.

🌙 **Driving at Night** – Watch for pedestrians, cyclists, and wildlife.

🚧 **Passing Through Construction Zones** – Follow signs and stay alert.

📱 **You’re Feeling Distracted** – Put your phone away and focus on the road.

**Stay alert. Stay safe. Every journey matters.** 💙

📍 Billyard Insurance Group Inc.
109-875 Milner Avenue, Scarborough, Ontario M1B 5N6

📞 Let’s keep you protected on every journey.

Looking for ways to lower your car insurance premium? 📉🚗 We’ve got you covered!Saving money on auto insurance in Ontario...
08/03/2026

Looking for ways to lower your car insurance premium? 📉🚗 We’ve got you covered!

Saving money on auto insurance in Ontario doesn’t have to be complicated. Here are 5 proven ways you can lower your rates with BIG Scarborough East:

🛍️ Shop With Us: As brokers, we compare policies across multiple top-tier providers to secure you the best deal. 🏠 Bundle Insurance: Combining your home and auto policies is one of the easiest ways to get a major discount. ❄️ Winter Tire Discount: Switching to winter tires keeps you safe and saves you up to 5% on your premium. 💳 Pay Premium Outright: Paying your annual premium in one lump sum helps you avoid monthly administrative fees. 🛑 Drive Safely: Maintaining a clean driving record keeps your rates low year after year.

Ready to start saving? Let's check which discounts you qualify for! 👇

🔗 Click the link in our bio to connect with one of our local brokers today.

07/31/2026

It only takes a thief seconds to break into a vehicle, but a few simple habits can stop them in their tracks. 🛑🚗

Keep your vehicle safe by practicing the 9 PM Routine: 🔑 Take your keys and key fobs inside. 👜 Remove all valuables (or lock them out of sight in the trunk). 🔒 Double-check that all doors and windows are locked. 💡 Park in well-lit areas or driveways with motion lights.

What about insurance? If a break-in does occur, damage to your vehicle (like a broken window) is covered under Comprehensive Insurance. However, did you know that items stolen from inside your car (like laptops or sports gear) are usually covered under your Home or Tenant Insurance policy?

Let's make sure you're protected from every angle.

🔗 Click the link in our bio to chat with a BIG Scarborough East broker today!

With road conditions getting rough, having comprehensive and collision protection is more important than ever. At BIG Sc...
07/31/2026

With road conditions getting rough, having comprehensive and collision protection is more important than ever. At BIG Scarborough East, we shop the market to find you great coverage at rates that won't break the bank.

🔗 Click the link in our bio or call us today to get a quote or review your current policy!

Happy Canada Day! We hope you enjoy the day celebrating our amazing country and all it has to offer.
07/02/2026

Happy Canada Day! We hope you enjoy the day celebrating our amazing country and all it has to offer.

Happy Father's Day to all the incredible dads out there! Your strength, love, and dedication inspire us every day. Here'...
06/21/2026

Happy Father's Day to all the incredible dads out there! Your strength, love, and dedication inspire us every day. Here's to celebrating you and all that you do.

Today is a day to celebrate the beautiful cultures and contributions of the First Nations, Inuit, and Métis Indigenous p...
06/21/2026

Today is a day to celebrate the beautiful cultures and contributions of the First Nations, Inuit, and Métis Indigenous peoples of Canada. Take some time to learn about indigenous culture and listen to the stories of indigenous voices.
“The more you want to embrace the notion that you can indeed inspire change, the more power and courage you give yourself to act in the pursuit of justice and equality” –Chief Dr. Robert Joseph

Celebrating diversity, embracing authenticity, and standing with the 2SLGBTQ+community—this month and every month. 🌈
06/19/2026

Celebrating diversity, embracing authenticity, and standing with the 2SLGBTQ+
community—this month and every month. 🌈

Eid Mubarak! Wishing you and your loved ones a joyous and blessed Eid-al-Adha. May this day be filled with love, happine...
05/27/2026

Eid Mubarak! Wishing you and your loved ones a joyous and blessed Eid-al-Adha. May this day be filled with love, happiness, and the blessings of faith.

Wishing everyone a safe and happy Victoria Day long weekend! 🇨🇦Whether you’re spending time with family, getting away fo...
05/18/2026

Wishing everyone a safe and happy Victoria Day long weekend! 🇨🇦
Whether you’re spending time with family, getting away for the weekend, or enjoying some well-earned downtime, we hope you have a great holiday.

"

Cheers to the incredible mothers who fill our lives with love, laughter, and endless support. Happy Mother's Day! ...
05/11/2026

Cheers to the incredible mothers who fill our lives with love, laughter, and endless support. Happy Mother's Day!

Happy Easter from everyone at BIG! May the spirit of Easter fill your heart with joy, love, and the promise of new begin...
04/05/2026

Happy Easter from everyone at BIG! May the spirit of Easter fill your heart with joy, love, and the promise of new beginnings. Here's to celebrating the beauty of life and the blessings of this special day.

This Good Friday we find peace in reflection and gratitude. Wishing you all a day filled with tranquility and the promis...
04/03/2026

This Good Friday we find peace in reflection and gratitude. Wishing you all a day filled with tranquility and the promise of renewal.

Wishing peace, love, and blessings to all celebrating Passover. Chag Pesach Sameach!
04/02/2026

Wishing peace, love, and blessings to all celebrating Passover. Chag Pesach Sameach!

Address

109-875 Milner Avenue
Scarborough, ON
M1B5N6

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14162924424

Website

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