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Articles from Billyard Insurance Group Inc.

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When looking to replace your vehicle, there are many different costs that you have to consider. One cost you should consider is the mandatory insurance on the vehicle. One way to save money is to purchase a car that costs less to insure!

October has arrived, and it’s hard to believe that winter is just around the corner when it’s still warm enough to spend a day at the beach. But, this is the perfect time to be preparing your vehicle so it’s safe to drive when the cold, wet weather finally arrives. Here’s a few tips to help get your car winter-ready.

Usually when you think of home insurance, you associate it only when purchasing or owning a home – it’s not often connected with renting an apartment, townhouse, single family home, or even student housing. No matter what kind of home you are renting, tenant insurance is a must-have, and we have all the scoop to keep you in-the-know.

With moving season and students preparing to head back to university this month, we start hearing the question more and more “Can I borrow your vehicle for the move?” Most of the time you want to say “No problem!”. But before you hand those keys over, it’s important to know what coverage you have and any ramifications of lending your vehicle out to a friend.

With another school year just around the corner, finding a place to rent is in high demand, which makes sense when you consider all the college and university students looking for a place to room, and the nice weather making moving conditions ideal. It’s an exciting time, but can also be overwhelming.

The summer is finally here and that mean wedding season is too. Along with big events like weddings, you should always consider getting insurance coverage for other events such as fundraisers, corporate parties, or even having a company booth at a town fair. Things like sudden cancellations, stolen gifts, a damaged gown, or even a guest getting injured are the last things you want to worry about with a big event, which is why coverage can not only help protect you against the unforeseen, but can also give you peace of mind.

For new drivers or home owners, or those without extensive experience in dealing with insurance companies, missing a few of your insurance payments may not seem like a big deal. A lot of people don’t know what exactly happens in these situations, however, missing just one payment can cost you a lot of money and potentially leave you unable to drive your vehicle legally.

Great news folks! With the arrival of the nice weather, you can finally pull your motorcycle out of storage and get ready to cruise with the wind in your hair helmet! Before you take dust off your bike to go for a spin, you need to make sure it is 100% ready for the road.

When you’re travelling outside Ontario you may wonder if your Ontario auto insurance policy automatically covers you for damage to your vehicle, and more importantly, personal injury. The short answer is Yes.  The standard automobile insurance policy in Ontario carries provisions that will cover you when you are involved in an accident in another province or in the United States.

We all want to keep our car insurance premium as low as possible, this is why so many people visit the Billyard Insurance Group for an on-line insurance quote.  Since car insurance is something we all must have, it just doesn’t seem right to overpay.

Traffic tickets play a big part in your insurance rates, and a few minor convictions can add up quickly. Once you’ve exceed three minor traffic violations within a three-year period, most of the regular insurance companies won’t insure you anymore and now consider you a ‘high-risk’ driver… and that means higher premiums.

The holiday season has arrived and brings with it Christmas Cheer, fun with Friends and Family and plenty of Christmas shopping to.  But this also means increased traffic in your neighbourhood, plenty of hustle and bustle, increased driving distractions and poor weather conditions.  The Billyard Insurance Group wants you to have a safe and happy holiday season, so please be safe on the roads and follow these helpful tips:

1. Check your vehicle maintenance list twice

The Billyard Insurance Group is proud to present the Welland Hope Centre Executive Director, Mark Carl and Fund Developer & Community Coordinator, Christina Lajeunesse a donation cheque on behalf of our partners Unica Insurance and their parent company La Capitale Financial Group. 

In the moments after a car accident, when you are shaken up, scared and caught off-guard, it can be extremely overwhelming. This feeling leaves most people wondering, “What do I do now?”

A house under construction or undergoing renovations is more vulnerable to destruction and damage than at any other time in a home’s history.


Does your recreational vehicle require insurance coverage? If you’re not sure if your recreational vehicle requires insurance coverage, it is best to find out before you take off on your summer vacation. Even if your RV does not require insurance, you should still look into getting some insurance coverage to protect you and your RV in case of an accident.

It’s that time of year, you’re pulling out the boat and you’re ready to hit the water, but wait, before you dive into summer you need to think about boat insurance. Insurance is usually the last thing on one’s mind when they think about a boat, but we should think about owning and protecting a boat the same as we would a car. Boat insurance includes various types of boats, as well as jet skis and it protects you and the boat in the event of a loss.

Over half of all fatal motorcycle crashes involve another vehicle; and most of the time, the motorist, not the motorcyclist, is at fault. Let’s keep the roads safe for everyone this season by following these safety tips. Both motorists and motorcyclists have to play their part when it comes to road safety.

Tickets issued under the Highway Traffic Act, Insurance Act or Criminal Code appears on your driver abstract and affects your insurance rate.  Car insurance rates between auto insurance companies can vary by hundreds, even thousands of dollars.


Since we know Canadian winters can leave their mark on your car and your home, here are some important tips when it comes to prepping for the warmer months ahead.

A recent survey found that two thirds of the Canadians surveyed incorrectly believed that flood protection is included in a typical home insurance policy. Your typical policy only covers water damage from a burst pipe, overflowing washing machine, failure of a heating or air conditioning system or accidental sprinkler going off. Depending on your location, your insurance company may offer sewer back-up as an additional coverage to help cover damages resulting from water that has accidentally escaped from a sewer, storm drain, sump, septic tank, eaves trough or downspout.

Are you still overpaying for car insurance? You shouldn’t be! There are many easy ways to save that you may not even be aware of. Here are five easy ways to cut down your insurance costs. 

If you have driven through Downtown Welland lately you are sure to notice the BIG change. The Billyard Insurance Group purchased the old Bank of Nova Scotia Building and created a beautiful office space.  The look is fresh and friendly to match their staff!

BIG celebrated their Grand Opening on Friday April 1st and was there to capture some of the special moments!

With the Billyard Insurance Group you get everything you want in an insurance provider. We can take care of all your insurance needs, finding the best price and coverage while providing fanatical personal customer service. Let our team of insurance professionals handle all your insurance needs.

If you have driven through Downtown Welland in the past month you are sure to notice the BIG change!  The Billyard Insurance Group purchased the old Bank of Nova Scotia Building and created a beautiful office space.  The look is fresh and friendly to match their staff!

Join BIG on Friday April 1st from 3 to 6pm for their Grand Opening. Be sure to RSVP.