You’re coming from a party where alcohol was flowing freely and have decided to let your sober friend drive you home safely in your car. Bad luck! You and your designated driver accidentally end up in a ditch after too quick a move.

Unfortunately, your friend doesn’t have insurance! Will you be compensated for this accident? It depends! The answer is not as simple as you might think.

Clarification is required

In Québec, before lending your car to a friend, it’s essential to take a few precautions to ensure the safety of road users. First, check that the person has a valid driver’s licence and is fit to get behind the wheel. Otherwise, even a minor incident could jeopardize the compensation provided for in your insurance policy.

Next, we strongly recommend that you inform your friend of your insurance coverage, discuss the amount of your deductible with them, and determine who will pay this cost in the event of an accident. Clear communication will avoid misunderstandings and potential conflicts later on.

Understanding your insurance policy is critical!

Did you know that the insurance policy that covers your vehicle also covers the people who drive it, subject to applicable conditions, limitations, and exclusions? There are, however, some subtleties that warrant special attention when lending a vehicle. For example, if your insurance covers only third-party liability (does “one-way insurance” sound familiar?) and the driver is entirely at fault for an accident, your insurance will not cover damage to your vehicle. You should therefore be thoroughly familiar with your insurance coverage and not assume that it will cover all situations.

And keep in mind that if a loved one is involved in an accident while driving your vehicle, you could still face a premium increase if your insurer has paid you compensation.

Lastly, remind the driver that in the event of an accident, they must duly gather the information needed to identify all those involved, otherwise it could be considered a hit-and-run, a case that is inadmissible under your insurance policy if you don’t have “comprehensive” or “collision or upset” coverage.

On the road

Are you the person who needs to borrow or rent a vehicle? We strongly recommend that you contact your damage insurance representative to assess your needs and possibly add Endorsement 27 – Civil liability resulting from damage caused to vehicles of which named insured is not owner to your basic insurance coverage. That way, if you’re at fault for an accident involving a vehicle that is not your own, you may be covered by this endorsement, subject to the conditions, limitations, and exclusions of your policy.

Are you going on a road trip with your friends this summer and planning to switch drivers several times along the way? Before you drive someone else’s vehicle or lend your vehicle to a friend, make sure you’re thoroughly familiar with the coverage, limitations, and exclusions of your car insurance policy, so you can travel with complete peace of mind. Keep in mind that in some cases, your insurer must be informed in advance of the identity of other drivers.

Drive safely!

L’article If you lend your car to a friend, are they insured? est apparu en premier sur Courrier Laval news.

1. Your garden’s style

Do you want a sleek, modern space? Or perhaps you prefer a more natural, rustic look? When choosing materials for your patio, be sure to take into account the overall style of your garden to create a harmonious space that reflects your image.

2. Your lifestyle habits

Think about how you intend to use your new layout. For example, if you like to walk barefoot on your terrace in summer, opt for softer, more comfortable materials such as wood or reconstituted stone slabs.

Floor tiles are also very pleasant, but can be rather slippery in the rain. If you opt for this material, remember to apply an anti-slip treatment to avoid any nasty falls! For garden pathways, you can opt for resistant, easy-to-maintain materials such as concrete or natural paving stones.

3. Durability

Pathways and terraces are subject to major climatic variations all year round. Make sure you choose a covering that can withstand the elements, temperature changes and daily wear and tear. Some popular, durable materials include natural stone, concrete pavers, treated wood and ceramic tiles. On the other hand, other materials such as natural wood are less resistant to the passage of time, and their visual appearance is bound to change somewhat, unless they receive a great deal of care and maintenance!

4. Maintenance

Let’s talk about maintenance! It can be an important factor to consider, and some materials require more care than others. For example, wood surfaces require regular treatment to protect them from moisture and insects. Concrete pavers, on the other hand, require frequent cleaning to prevent the growth of weeds between the joints. Make sure you choose materials that suit your availability and your desire to maintain your outdoor space!

5. The environment

You can choose a green solution and go for sustainable, environmentally-friendly materials. Recycled concrete pavers, ethically quarried natural stone slabs and FSC-certified wood are excellent eco-friendly options! In addition, you can consider permeable paving so that rainwater can seep into the ground.

Finally, as you would expect, the materials you choose can greatly influence your landscaping budget. Don’t hesitate to ask a landscaper for advice on the materials best suited to your needs and terrain, to create a space that’s functional, aesthetically pleasing and long-lasting.

L’article What materials should you choose for your terrace and garden pathways? est apparu en premier sur Courrier Laval news.

1. Understanding and analyzing your credit file

First of all, do you know how your credit score is determined? A credit score is a three-digit number, ranging from 300 to 900, assigned by credit rating agencies such as Equifax or TransUnion. Credit ratings enable creditors to assess your solvency and characterize your financial behavior. Note that a credit score is considered good when it reaches 670.

It’s very important to understand the elements that impact your credit score and to check your file regularly. In this way, you can ensure that you adopt good habits to avoid being penalized, especially in the event that you need to apply for a loan or access certain goods that involve a credit check.

2. Avoid late payments

Your payment history is the criteria that carries the most weight in the evaluation of your file. If you miss the deadline for repaying your credit card, you risk penalizing your credit rating, as well as incurring fees that you’ll have to pay in subsequent months. If you find it difficult to make the required payment in full, make sure you pay back at least the minimum amount specified on your account to reduce the deferred charges.

3. Use only a portion of your credit

Whenever possible, try not to use more than 35% of the credit you’ve been granted before paying it back. Reaching your credit limit is viewed negatively by creditors, as you represent a higher risk of defaulting on your loan.

4. Keep your accounts open

Generally speaking, experience reassures creditors. The lifespan of your account is an important criteria for building a meaningful credit record, which will also enable lenders to assess your financial habits. Try to keep your accounts open so that your file can evolve over time.

5. Borrowing without a credit check

Credit inquiries have an impact on your credit file because, depending on the criteria defined, more and more requests can lead you into debt and make it difficult to meet your obligations. So limit your credit requests, or turn to no credit check financing solutions .

In fact, some institutions offer so-called “bad credit” financing solutions as an alternative for people who need fast credit but are having difficulty obtaining it. Processing times are accelerated because no credit check is required, and your file is not affected!

L’article 5 tips to boost your credit score est apparu en premier sur Courrier Laval news.

While it is apparent that the younger generations are operating a lot quicker and safer on the internet, older generations may be slower and more naive when it comes to information and disinformation. The internet is a whole world for itself and it is no wonder that there are also different rules and realities behind the digital curtain. The overwhelming density of products, services, information and possibilities that the endless depth of the internet offers often comes with a wide range of quality and safety. It is not a secret that the internet as well comes with a lot of danger, which is why it is important to keep an overview and stay in control.

Gambling is becoming increasingly popular among old and young Internet users

Besides so many other things on the internet, online games and gambling have seen a sharp rise in the last couple of years. More and more games are being introduced to the market and subsequently more and more people start to jump on the train and try it out. While some decades ago for gambling one had to wear a shirt and go to the casino, nowadays it is possible in our culture to play from wherever you want simply using a tablet, smartphone or laptop. With constantly new games being introduced to the market it is no wonder that also in this part of the internet the offer is overwhelming and it is hard to find the best platforms and games.

Besides the amount of games and the safety of an operator, apparently what makes a good online casino platform are the bonuses that are received when registering to a platform. But what does the term Bonus actually mean in the world of online casino games? What kind of different bonuses are there? And what are the best casino bonus offers in Canada? We have the answers to all your questions!

What are Online Casino Bonuses actually?

First things first! What actually is an Online Casino Bonus? An Online Casino Bonus is basically nothing more than a promotion that casinos offer for registering at their platform. While this might sound like a simple advertising trick, these bonuses are actually extremely powerful and popular amongst players. Some sites offer a welcome bonus in cash that one gets transferred to the personal wallet of the website and can be used for playing. Others are offering free spins and other exciting features as a bonus.

Almost all the online casino platforms in Canada work with such bonuses as they are an important part of the gambling industry, on the one had to attract new players and on the other to give some spice and motivation for the first steps into the world of gaming. Usually to get a bonus one has to first register and then also deposit a certain amount of money on the personal wallet to ensure the certainty. But not all of them are like this, there are some bonuses which one gets directly without even depositing any cash. Obviously bonuses that do not require any deposit are very popular amongst newcomers.

What kind of bonuses exist for Canadian gamblers?

There are many different types of bonuses to get while registering to a reputable online casino platform in Canada. More detailed information about the bonuses and how they work can be found on CasinoSource and still we want to give you a basic overview with this article.

Deposit Bonus

The Deposit Bonus is the most popular and common bonus. The idea is simply that one registers to a casino website and traditionally deposits money on the virtual wallet that can be used for gambling. After reaching the minimum deposit amount you will get the promotion. Often it is that the more money you deposit in the start, the higher will the bonus be, that you get.

Bonus without Deposit

As these bonuses do not require any deposit they are popular amongst those who are still hesitating to invest much money. The good thing is that some of the websites can reward you for registering simply by giving you free spins and other advantages without money involved. Mostly though, there are some restrictions on how these free spins can be used. For instance, it is often not possible to use those free spins for any game but just for certain games. Anyways, these free spins offer you the opportunity to win money without investing anything. All you need is a bit of luck!

Match Bonus

The bonuses which are probably the most exciting ones though are the so-called match bonuses. These bonuses require a deposit as well. The idea is that one gets a percentage of the first deposit on top of the amount in the wallet. Mostly the percentage match is around 100%. That means if you deposit 100 dollars in the first move, the website will give you another 100 dollars on top for free.

Obviously it is not possible to directly withdraw this money as the websites else would simply give away real money for free. But these 100% bonuses are real and can be used for playing various games of chance. This is giving you way more capital to work with and with that your chances of winning increase as well.

How to find the best online casino bonuses in Canada

It is easy to understand that the amount of offers on the internet is overwhelming. As not all websites offer the same quality of entrance bonuses, it is important to inform oneself before choosing the website to finally register for. There are many blogs and YouTube reviews about the websites that exist. Mostly it is recommendable that the biggest and most successful providers are often also the safest and best.

The government also offers information about gambling on the internet. Anyways, if you are looking to invest your hard earned money and have a beautiful gamble experience, you should take a moment and do a little research before registering and getting your first free bonus!

L’article Best Online Casino Bonus Offers in Canada est apparu en premier sur Courrier Laval news.