Insurance With Confidence - Oxana Tsimbalova

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Insurance With Confidence - Oxana Tsimbalova Looking For Something New? I completely understand you! I'll Make Sure You Get The Insurance Covera

If you are caught driving without insurance, you can face fines, license suspension, registration suspension and even ja...
10/20/2021

If you are caught driving without insurance, you can face fines, license suspension, registration suspension and even jail time. Be sure to find an insurance policy right away if you own a car and are currently uninsured. ⁣⁣⠀
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Coverage can be expensive, but a lapse in coverage can be more expensive in the long run.⁣⁣⠀
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β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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The penalties for driving with no insurance in Ontario are as follows: a fine of between $5,000 and $25,000 on a first c...
10/20/2021

The penalties for driving with no insurance in Ontario are as follows: a fine of between $5,000 and $25,000 on a first conviction, a fine of between $10,000 and $50,000 on a 2nd or subsequent conviction.⁣⁣⠀
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β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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My condo corporation already has insurance, so I don’t need to buy my own coverage…Truth or myth?Unfortunately, your con...
10/16/2021

My condo corporation already has insurance, so I don’t need to buy my own coverage…

Truth or myth?

Unfortunately, your condo corporation’s master policy isn’t designed to protect you, your belongings, or improvements you’ve made to your unit β€” it likely only covers damage to the building and items in common areas, like the lobby, rooftop patio, or gym.

Each unit owner should have their own condo insurance policy to protect what’s inside their own unit.

β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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A condo insurance policy will cover everything in my unit, including fine jewelry… Truth or myth? πŸ€” Most condo insurance...
10/16/2021

A condo insurance policy will cover everything in my unit, including fine jewelry…

Truth or myth? πŸ€”

Most condo insurance policies have a special limit for all of your jewelry combined, including watches, gems, and fur or fur-trimmed items.

If your jewelry adds up to a higher amount than the limit stated in your policy, you should consider adding additional coverage.

Your policy may also have special limits for items like fine arts, coin and stamp collections, sports cards and other collectibles, computer software, silverware, and more.

Reach out to make sure you’ll be fully covered in the event of a loss.

β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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If you want to turn your life around, try thankfulness. It will change your life mightily.Happy Thanksgiving! πŸ˜€πŸ˜€πŸ˜€β£β£β €β£β£β €β£...
10/11/2021

If you want to turn your life around, try thankfulness. It will change your life mightily.

Happy Thanksgiving! πŸ˜€πŸ˜€πŸ˜€

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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Were you refused home insurance? 😯 Is that even possible? πŸ™ˆ βœ… Reason 1: you do not meet the terms of their underwriters....
10/11/2021

Were you refused home insurance? 😯 Is that even possible? πŸ™ˆ

βœ… Reason 1: you do not meet the terms of their underwriters.

βœ… Reason 2: A change in your circumstances - you are perceived to be a greater risk to insure.

β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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βœ… Compare car insurance quotes only when you understand the coverages that are best for you. βœ… Insurance prices vary a l...
10/10/2021

βœ… Compare car insurance quotes only when you understand the coverages that are best for you.

βœ… Insurance prices vary a lot by companies because every insurer considers certain factors while offering policies to individuals.

βœ… Insurance companies consider your driving history and the car you drive while providing car insurance coverage.

βœ… Many companies offer good deals on cheap auto insurance, but you'll have to comparison shop carefully to make sure you're still getting sufficient coverage.

βœ… You can ask for discounts and increase your deductible to save on your insurance policy.

β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Disadvantages of a new car… πŸš— β£β£β €β£β£β €βœ… Vehicles are a depreciating asset, and when you buy new, that depreciation starts ...
10/05/2021

Disadvantages of a new car… πŸš— ⁣⁣⠀
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βœ… Vehicles are a depreciating asset, and when you buy new, that depreciation starts the minute you drive off the lot. ⁣⁣⠀
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βœ… On average, it takes 4 years for a vehicle to lose roughly half its value.⁣⁣⠀
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β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Used versus new carβ€¦β£β£β €β£β£β €πŸ‘‡πŸ‘‡πŸ‘‡β£β£β €β£β£β €βœ… The main benefit of buying pre-owned is the LOWER PURCHASE PRICE. Set aside money πŸ’΄...
10/05/2021

Used versus new car…⁣⁣⠀
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πŸ‘‡πŸ‘‡πŸ‘‡β£β£β €
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βœ… The main benefit of buying pre-owned is the LOWER PURCHASE PRICE. Set aside money πŸ’΄ for vacation by shopping for pre-owned models rather than new ones.⁣⁣⠀
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βœ… A used car can offer better value with lower monthly payments and LOWER INSURANCE RATES. ⁣⁣⠀
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βœ… Buying used can also help you avoid many of the additional fees attached to new cars, like freight and extra taxes (depending where you live).⁣⁣⠀
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β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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⁣⁣⠀Many homeowner insurance policies don’t offer mold or sewage back up protection (or have claim limits). β£β£β €β£β£β €βœ… Mold ...
10/02/2021

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Many homeowner insurance policies don’t offer mold or sewage back up protection (or have claim limits). ⁣⁣⠀
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βœ… Mold coverage could be a worthwhile expense since the cost of removal is quite high. ⁣⁣⠀
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β£β£β£β£β£β£β£β£π‘°π’π’’π’–π’Šπ’“π’† π’•π’π’…π’‚π’š 𝒂𝒃𝒐𝒖𝒕 𝒂𝒍𝒍 π’Šπ’π’”π’–π’“π’‚π’π’„π’† π’π’‘π’•π’Šπ’π’π’”.⁣⁣⁣⁣⁣⁣⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Oxana Tsimbalova - Insurance Broker⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
(647) 205-5923⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀⁣⁣⠀
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Toronto, ON

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+16472055923

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