Trusted Tips and Resources

Trusted Tips & Resources

Trusted Regina Insurance Provider Campbell & Haliburton Insurance Share A Story of Home Explosion!

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they share the October 2022 Talk To The Experts Regina Home Insurance Show. Hear what happened when Dave's house blew up! 


Talk To The Insurance Expert - When Your House Explodes!


The Campbell & Haliburton Home Insurance Show:

On October 2022 we aired our second Campbell and Haliburton Talk To The Experts Show on CJME 980AM. the theme of our second show was centered around the experience one of our Insurance brokers’, Dave Arnold had – he explains why he appreciates the importance of Home Insurance!  


Part 1


Part 2


Packages for Home Insurance are not one size fits all.  We all have different needs and different budgets. At Campbell & Haliburton, we will help you determine the best home insurance for you. Confused by terms like Prestige, Broad Form, or Comprehensive Insurance?  We’ll explain this to you in ways that will make sense.  Plain talk you can understand – not insurance-speak. Life can be expensive. Protect you and your family with reliable, understandable home insurance from Campbell & Haliburton. We help you look after what is important to you.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

How to Renew Your Plates Online with Trusted Regina Insurance Provider Campbell & Haliburton Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they review how to renew your plates online with SGI in Regina. 

How many times have you woken up Monday morning and realized that your vehicle plate expired over the weekend?  The first thought is always... now what? Over the next 2 blogs, we are going to review.


Here are a couple of things you are going to need before we start: 

  1. Email address
  2. Smartphone
  3. Computer
If you are comfortable using your smartphone and making calls at the same time, then you won’t need your computer. Alright let’s start this process of How to Renew your plates online with SGI in Regina.


Step 1: You are going to have to register your email address

If you aren’t already signed up with MySGI, you need to register a valid email address with them before you can set up your new account.

When you get to this area, there are three possible scenarios and next steps below:

1. You Have a Saskatchewan driver’s licence only:

Register your email address at your local motor licence issuer by calling 1-306-757-0651 or if you are outside of Regina, you can call 1-877-757-0621.

2. You have a Saskatchewan driver’s licence AND an SGI CANADA insurance policy:

Register your email address online with the instructions provided.

3. You have an SGI CANADA insurance policy only:

Register your email address with your local motor licence issuer by calling 1-306-757-0641


Step 2: Create your account

Once your email address is registered, create your new MySGI account with these steps:

  1. Request an activation code
  2. On the Register screen, follow the instructions to get an activation code.
  3. Enter the requested information to verify your identity.
  4. The activation code is then sent to the email address you registered with MySGI.
  5. Register your account
Use the activation code sent to your email address to complete the registration process.
  1. Set up your new account
  2. Create a username and password of your choice.
  3. Read and accept the Terms of use.
  4. Once registered, you can sign into MySGI.
  5. Select Campbell & Haliburton Insurance  as your motor licence issuer
  6. Transaction complete
If have any troubles on how to renew your plates online with SGI in Regina, please let us know, we are here to help you.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Talk To The Insurance Experts - Trusted Regina Insurance Provider Campbell & Haliburton Insurance

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they share the August 2022 Talk To The Experts Regina Home Insurance Show. 


In August 2022 we aired our first Campbell and Haliburton Talk To The Experts Show on CJME 980AM the theme of our first show was Home Insurance!  

Part 1 – Regina Home Insurance Show



Part 2 – Regina Home Insurance Show


Packages for Home Insurance are not one size fits all.  We all have different needs and different budgets. At Campbell & Haliburton,  we will help you determine the best home insurance for you.  Confused by terms like Prestige, Broad Form, or Comprehensive Insurance?  We’ll explain this to you in ways that will make sense.  Plain talk you can understand – not insurance-speak. Life can be expensive. Protect you and your family with reliable, understandable home insurance from Campbell & Haliburton. We help you look after what is important to you.


Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Trusted Regina Insurance Provider Campbell & Haliburton Insurance Discuss Gifting Vehicles

Trusted Regina Insurance experts at Campbell and Haliburton Insurance Inc have been in the community for over 50 years. They know it is customer service and knowledge that counts when you are in need of an insurance company in Regina. Campbell & Haliburton Insurance, myCH.ca, dedicated insurance brokers in Regina, can assist you with finding the plan that works best for you. In their latest Campbell & Halliburton Regina Home insurance tip, they are going to review: can you gift a vehicle to a family member?


The short answer is “it depends.” 

What do you mean by a family member?  We all consider “family” to mean different things.  For some, our spouse’s second cousin’s aunt’s brother-in-law twice removed is family.  For others, we got lost in the “second cousin” part.  Thankfully SGI had defined who is and who is not qualified as family when it comes to gifting as vehicles.  The term that they use is “First Degree Relatives”  First Degree Relatives would include spouse, parent, child, grandparent, grandchild and sibling.  Actually, it gets a little more technical than that, so the best to ask before you give away your vehicle.  You can contact our motor license issuers at hello@mych.ca or on MyCH live chat.

Once you have determined that the person to whom you are gifting qualifies as a First Degree Relative you will need to draft a letter stating your relationship with the new owner.  The new owner needs to present this letter when they are registering the vehicle.  Now if the vehicle has not had the Saskatchewan tax paid it will be subject to PST.  But again, our knowledgeable staff can assist with the fine points of this.

What if you want to not gift the vehicle, but sell it for a low, low cost?  The same rules apply.  If you are looking to sell for less than the fair market or red book value, it must again be to the first degree relative.

We get it, when we are passing on vehicles to family members, typically we either give them the vehicle or sell them for a dollar.  However the mold can be broken, when Daryl’s daughter was due to inherit his car he sold it to her for a whopping $3.28.  Why that amount?  Simple!  Daryl loves coffee, and a large dark roast coffee at his favourite coffee shop cost exactly $3.28.  That’s him!   How about you?  What is the most outrageous price you have ever sold a vehicle for?  Let us know on our Facebook page.

Based on our research and the current guidelines from SGI, it is a fact that you can gift a vehicle to a family member. 

Our Trusted Regina Insurance Agents at Campbell & Haliburton have your best interests and safety in mind and our commitment to customer service is one of the pillars of our business. We also know insurance inside and out, so please get in touch with us for all of your insurance needs and we will be more than happy to help ensure what you value most is protected.

Campbell & Haliburton's doors opened in 1957. Since then, they have seen run-away inflation, recessions, and now, a global pandemic. Through it all, their doors have remained open as they are committed to providing outstanding service to you. No matter what the next years and decades bring they have committed to continue to stay open to serve you.


Campbell and Haliburton Insurance are a Trusted Regina Insurance provider.

They offer many different insurance policies to protect the most important areas of your life including:


**This is a general overview. There are many different insurance companies, and there are always differences in insurance policies. For specific details on your policy and coverage, we recommend that you contact your agent or broker.

Making Sense of Insurance from Regina Financial Advisor John Barabe

John Barabe and Madison Schenher understand that everyone's financial situation is unique and that managing your wealth can be complex and time-consuming. They have has an unwavering commitment to quality and service which has enabled John to build and retain a successful practice in Regina. The team of Regina financial advisors and support staff believe that planning with honesty and integrity are cornerstones to improving their clients' quality of life. They apply their knowledge to help clients make the right choices when considering all the product and service options that exist in today's marketplace. In their latest Regina financial advisors expert article, John and Madison help you make sense of insurance. 


Making Sense of Insurance


To simplify what coverage is most important, I will divide the coverage types into two main categories: Financial Inconvenience, and Financial Disaster. Financial Inconvenience coverage you can live without. It does not make this coverage bad, just not devastating to your loved ones. Financial Disaster insurance is of far greater importance. 

Financial Inconvenience Insurance

What is financial inconvenience insurance? Examples include $300 Coverage for a new pair of glasses and an extended warranty on a toaster oven. Neither of these would wipe out the household if they had to be paid for directly. Even larger appliances or cell phones could fall under this category. The loss might be hundreds of dollars to fix an item, or even a couple thousand. Definitely put a pinch on the household for a few months, but this reflects the importance and purpose of an emergency fund. 

If not for liability coverage, a package policy on your car would fall under this category. Taking your deductible down from $700 to $200 saves you $500. This is the financial inconvenience part. Liability coverage on the same policy can be a million dollars or more. This falls into the financial disaster area. I would recommend that this type of coverage be thought of as a financial disaster for this reason.

Please understand that financial inconvenience insurance is not bad. This is a personal decision. My experience is that many people will spend money to have financial inconvenience insurance, but come up short or have no crucial financial disaster coverage. The context I am sharing is for you to better understand what deserves your attention and money to protect. 

Financial Disaster Insurance

One of the biggest losses you and your family could sustain is a loss of income. Think of earning $50,000 per year for 30 years. That is a loss of $1,500,000 and would be catastrophic to the household. Your loss of income should be protected against surviving but being unable to work and also in the event of death. 

Disability insurance protects you if an event happens that you survive but no longer can work. With a long-term disability, not only is there a loss of income, but you can end up with additional expenses due to your disability. 

Life insurance protects the household in the event of death. In this case, the loss can include final expenses, legal, accounting, tax, debt, and loss of income. Life insurance should take into account many factors, even beyond the financial portion (estate planning). 

Another type of insurance that is less popular is critical illness. Coverage is a lump sum paid if you survive a heart attack, stroke, cancer, etc. for 30 days. There can be a long road to recovery that is not always covered under other insurance. The funds help to offset your health care costs, such as uninsured prescriptions and treatments, hotel, travel, time off work, home care, and modifications to your home or vehicle. The dollar amount can be less with this coverage as long as you are adequately protected with disability and life. Critical illness can be thought of as filling in the gaps left by traditional coverage.

Insurance can be complex. Our professional independent approach simplifies your insurance planning so that you can be rest assured your family is protected.


 

I am sending this out as material information to keep everyone informed. This is not a solicitation for any investment. Before making any investment decision, please contact us for professional investment advice through our extensive planning process. This is only meant to provide perspective and update you as best as I can from the extensive ongoing research that we do. 

The opinions expressed within this article/communication are those of the Financial Advisor and are not necessarily those of Keybase Financial Group Inc. Any data provided is for illustration purposes only. Clients and prospective clients should always read a product prospectus and fully understand all of the risks associated with the product before purchasing. Any information relating to the discussion of taxation issues is considered to be only general in nature. Clients should seek a qualified tax professional to discuss their specific tax requirements.

Third-party publications are not prepared by Keybase Financial Group Inc. The opinions, estimates and projections contained in the publication are those of the author as of the date indicated and are subject to change without notice. Keybase Financial Group Inc. makes no representation or warranty, express or implied, in respect thereof, takes no responsibility for any errors or omissions which may be contained therein and accepts no liability whatsoever for any loss arising from any use of or reliance on the report or its contents. The provision of this publication is not to be construed as an offer to sell or a solicitation for or an offer to buy any securities.

Keybase Financial Group Inc. is a member of the MFDA and is a member of the MFDA IPC.

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