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Snowbirds: Don’t take off without protecting your property

Published on October 23, 2019

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The cold inspires many people to head South during the winter, including Quebec snowbirds who flock toward the sunshine by the thousands. Are you among them? Don’ttake off without taking a few precautionary measures when it comes to your home and auto insurance. The L'Unique General Insurance team would like to share a few tips so you can leave with peace of mind.

​Leaving for several weeks? 

Before you take off, it’s important to notify your insurance broker about how long you’ll be away from your house, condo or apartment. He or she will tell you what to do to adequately protect your home during this period and let you know what's covered and what isn't. Freezing, for example, can sometimes cause serious damage and some coverages may not apply if you haven’t taken some necessary steps. A simple phone call can spare you a lot of grief!

Are you going by car, motorcycle, or motorhome, or bringing a trailer?

Ask your insurance broker about the coverage provided under your policy in the event of a problem. Will it be enough? Are you covered outside of Canada? Your broker will tell you about the additional precautions to take so that your vehicle is adequately covered during your stay abroad. 

Do you have roadside assistance?

Any vehicle can break down anytime on the road and being able to rely on a good roadside assistance service can help you avoid a lot of problems and costly expenses. Check with your broker whether your car, motorcycle or leisure vehicle insurance includes roadside assistance in Canada and the United States. If you run into a problem, you can take advantage of: 

  • Towing
  • Battery boosting
  • Installation of a spare tire
  • Fuel delivery 

Travelling in an RV? Then it’s especially important for you to have this coverage. This type of vehicle is often very expensive to tow. Plus, it’s important to take out separate auto insurance if you use your RV to tow your car.

If you don’t have roadside assistance, ask your broker who will be able to give you some advice.

Your insurance broker is there to help you prevent losses. Feel free to contact him or her!

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