The Trusted Regina directory community welcomes Campbell & Haliburton Insurance ltd!  Yet another amazing new partner to the Regina Directory of excellence in the Insurance category.  Our Regina team works for YOU, the public and we work extremely hard to find the Trusted local businesses we feature on the Regina Directory.  We do all the running around and checking on those businesses so YOU don't have to,  the Trusted verification process is intense and we take our job very seriously.  Let us tell you why Campbell & Haliburton is a Trusted Regina Insurance provider. 

Trusted Regina Welcomes Our Newest Partner Campbell & Haliburton Insurance Ltd. to the Directory of Excellence

Campbell & Haliburton Insurance Ltd have been a part of the Regina community since 1957.  They are a family owned company, no not by the Campbells or the Haliburton's but by the Brian Gibson family.  John Grant, Brian’s son in law is the president of the entire Campbell & Haliburton group of companies including the insurance office. 

Campbell & Haliburton have worked hard to establish partnerships and relationships with the insurance companies that they represent.  Many of these relationships span decades.  Why does that matter?  Quite simply, it means that when they need to advocate on your behalf, either in terms of arranging insurance or at the time of claim, they have the history and relationships they need to stand with you.  The outcome of these relationships translates into exceptional customer service.  This was truly reflected in the many calls we made to customers and the outstanding reviews they received.  Here is one example:

"I give Campbell & Haliburton a 10 out of 10.  In my experience they have gone the extra mile to provide great service.  They are also involved in the community which is important to me"  - Sean Reidy - Regina , SK

Even though insurance is the day-to-day, nuts and bolts part of Campbell & Haliburton's business, like you, they live, eat, and breathe here in Saskatchewan.  They care about what matters, to our province, city, neighbours, and customers.  To that end their team looks to find ways to give back.  For years they have been a proud supporter of the Cathedral Arts Festival, celebrating life and diversity here in our own backyard.  They believe in wellness, physical, mental, and social.  They are the title sponsor for the Queen City Marathon Campbell & Haliburton Family 5K each year in September.  

Campbell & Haliburton also recognize that there are those who selflessly do things we cannot.  They have aided community partners here in Regina.  Partners such as Build Love, who assist the less fortunate with a new lease on life, or the North Central Family Centre who helps those in need.  While they may not be on the daily front line in these ventures they stand alongside and lend our support and expertise in other ways.

They are a diverse company with the management and staff proudly representing various backgrounds and diversity the same way that our province does.

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 & Haliburton is a Trusted Regina Insurance Provider.

Dusyk & Barlow is a 100% locally owned Regina Insurance Brokerage providing honest, reliable, and personalized service to all their clients. Their long standing reputation in the community remains strong through maintaining high standards of excellence and ensuring that their clients insurance needs are met.

They are you Trusted Regina insurance experts !

Dusyk & Barlow  - COVID-19 continued service plan for the health and safety of staff and customers

Dear Dusyk & Barlow clients

We have been working diligently to develop plans for our offices in preparation for the potential impacts of COVID-19.  We are constantly referencing and utilizing the information available from World Health Organization (WHO), Centers for Disease Control and Prevention (CDC) and Health Canada to create and update these plans as needed.

Using the information currently available, we have implemented various staff safety protocols including:

• requirements that employees remain at home if they or an immediate member of their household are not feeling well and have symptoms of an illness, until the symptoms have passed. 

• those experiencing flu-like symptoms, are required to consult a doctor or call the health line to seek medical care/advice.  

• Staff who are in positions that allow remote work will be able to do so if they find themselves in a quarantine situation that allows for such an option. We are working to ensure we are properly set-up for work from home options.  

• we have implemented a ban on business travel and are encouraging staff to change out of office appointments of more than 10 people, even here in the city, to telephone appointments.

We have ramped up daily office cleaning routines including regularly wiping down and sanitizing workspace and counter areas. 

We encourage both our employees and clients to maintain good health practices including: 

• washing hands properly and regularly; 

• using hand sanitizer whenever possible; 

• maintaining a healthy lifestyle (ex. proper diet, sleep and exercise) to help keep the immune system strong; 

• respecting social distances when appropriate (ex. 2 meter distance; respect choice to not shake hands).

Although we prefer to deal with our clients face-to-face, we are in a business where most of our services can still be effectively provided in a socially distanced fashion such as via telephone or email.  As such, we ask that our clients observe the same protocols we are asking of our staff. For the good of all in the community, we ask that clients please remain home if they, or anyone they have been in close contact with, are experiencing any symptoms listed above.  If those experiencing symptoms do require our services, rest assured we will do so via telephone, email or fax.

We want to protect the health and well-being of our employees and clients and, if need be, will amend plans accordingly by continuing to monitor recommendations through the noted health agencies.

Dusyk & Barlow can be found online here . Read the words of their happy clients on their listing On the Regina Directory they are your TRUSTED REGINA INSURANCE EXPERTS  

Bergens Auto Body is a Regina family collision repair and auto body shop and from the moment you call you will be treated like family! They are proud to have an amazing 80 Years Auto Body Experience, and they have been serving Regina Auto Body needs for over 30 Years....they have a loyal customer base that simply wouldn't think of going anywhere else. Bergens are Regina's best OEM Certified, SGI Accredited Collision repair shop and  Bergen's Auto Body is a Trusted Regina Auto Body Shop.

COVID-19 Continued Service Plan - for the health and safety of staff and customers

Get free expert mortgage advice from a multi-award-winning Regina mortgage broker. Skott Enns is a Trusted Regina Mortgage Broker and he is fully committed to helping clients find the best option that suits their financial goals. His mission isn’t to simply help you get a mortgage with the best mortgage rates, he wants to help you figure out a plan to pay off your mortgage as quickly as possible! In his latest Regina mortgage tip, he shares some great advice on mortgage renewal! 

Mortgage Renewal Time?

If you have a mortgage, at some point it will come up for renewal (unless of course, you are really close to paying it off, and in that case – congratulations!!!). When this happens, it is important for you to know your options, so that you are not leaving money on the table or putting yourself in a situation that could cost you money down the road.

There are two primary reasons that you may want to leave your existing lender: rate being the primary one, and sometimes you may simply be unhappy with the service (or lack of) that your existing lender is providing to you.

Approximately 65% of clients will simply sign the first mortgage renewal form offered to them by their existing lender when. No questions asked. That is a mistake, and often a costly one. Don’t get me wrong, the easiest thing for you to do is to sign that form. No requalification, no additional questions, things just keep humming right along… but here is the thing: the banks are also aware of the fact that two-thirds of clients will ‘just sign’, and guess what… the higher the interest rate they can get you to pay, the more money they make.

How often do you think they will have your best interests at heart when renewing your mortgage?

Negotiating a Better Offer Upon Your Mortgage Renewal

The reality is that at the end of that term, you are indeed a free agent! Get out there and play the field. Here is how I would recommend doing that.

Ask Your Existing Lender To Come To The Table With Their Best Rate

Again, there is no doubt that the easiest thing to do IS to stick with your existing lender, and if they are offering a competitive rate, then my advice will always be to stay there. However until you know what they are willing to do for you, it is difficult to determine what the best course of action is.

Call A Mortgage Broker

As a Mortgage Broker, we work with an array of lenders: big banks, credit unions, mortgage finance companies, private lenders etc. Once you have a rate from your existing lender, your Mortgage Broker will be able to run through the mortgage products that the various lenders are offering, and figure out whether or not you would save money by switching lenders. Once we are within 120 days of your mortgage coming up for renewal, if there is a better rate out there for you, we can lock it in. One other reason to avoid signing blindly is that life happens, and situations change… if you just got out of a 5-year fixed term, but have a growing family and recognize that you will likely be upgrading your home in less than two years, perhaps it makes more sense for you to consider a shorter fixed-term or a variable term (where the penalty for breaking that term is only a 3-month interest penalty). A Mortgage Broker will help you to work through all of these scenarios.

A Quick Requalification

In the event that you can save money by switching lenders, it is important to realize that you will need to requalify. However, in most cases, assuming your financial situation is similar or better than what it was when you first obtained the last mortgage, this shouldn’t be a big deal. Typically, you will require the following documentation:

• A letter of employment confirming position, salary, and full-time/part-time status
• A recent paystub
• A copy of a recent mortgage/renewal statement from your existing lender
• A copy of your house insurance policy
• A copy of your property tax bill ensuring payments are up to date
• A void cheque or PAD form for the bank account where you would like your new mortgage to come out of

Other Points to Consider When Renewing Your Mortgage

Please recognize that every mortgage is different, and if you are self-employed, a part-time employee, own rental properties or something a little outside the norm, additional documentation may be requested, but the above list will cover the majority of the paperwork. Clearly, it may take a little bit of time to gather these documents. It is up to you whether or not you believe it is worth it.

If I can save you $5,300 (a recent real-life example) over the next 5 years through lower payments and interest savings, is it worth spending 2-3 hours collecting a little information? In my eyes, you are making $1,766 per hour if it takes you three hours…. Now there are a LOT of things that I would do if I was paid $1,766/hr to do them, even if they are not my favourite! I would teach myself to snowboard. I would eat plates of raw oysters. I would shop at Walmart. And I would definitely collect void cheques and paystubs if it meant I could save that kind of cash.

When switching lenders, there may or may not be fees involved. Discharge fees, appraisal fees, ‘legal’ fees can all be part of the switching process, HOWEVER, in many cases, these fees can be covered by the new lender. Again, best to discuss these options with your Mortgage Broker, and see what they can do to save you money.

One final point about moving lenders… 

Since October 2016 there has been a substantial rule change that has come into effect which does make it more difficult to qualify for purchasing a home today. That is the truth and there is no getting around it. However, if you are simply renewing your mortgage with a different lender, although you DO have to re-qualify, you have grandfathered in under the pre-October 2016 guidelines… which is great news, and ensures that you have a much better chance of being able to move lenders if it makes sense to do so.

If you are looking for honest, unbiased advice from a mortgage broker in Regina Skott Enns would love to talk with you!   

Skott Enns is a Trusted Regina Mortgage 

Bergens are a local family business and from the moment you walk in the door you will be treated like family!  They are proud to have over 80 Years Auto Body Experience, and they have been serving Regina Auto Body needs for over 30 Years....they have a loyal customer base that simply wouldn't think of going anywhere else. Bergen's are an SGI Accredited Regina Auto Body and Collision Repair shop  , they offer courtesy cars to their clients and they specialize in foreign vehicles. Bergen's AutoBody & Collision Centre are TRUSTED REGINA AUTO BODY EXPERTS

5 THINGS A CAR OWNER SHOULD DO - TO PREVENT AND HELP IF YOU HAVE AN ACCIDENT

Owning a car is a big responsibility for both new and seasoned drivers. In order to reduce stress further down the line, there are a few key things every driver should know. Luckily, these necessary basics are pretty easy to find out!
 
Learn the basics of maintenance. That means checking things the oil brake fluid, antifreeze, and windshield wiper fluid. Even better, learn to jump your car in case the battery dies and replace a tire. Everything you learn becomes a tool in case of emergency. Why not invest a little bit of time for less of a headache later on?
 
Find your car’s manual and read it. Read it again! Put it in a place where you can easily locate it again. Why? There is a lot of information specifically for your make, model, and year. Your manual will tell you which maintenance tasks should be prioritized, as well as how often those things should be addressed. Some critical ones to keep in mind are oil changes, wiper blade replacement, filter changes, fluid flushes, and when to get new tires. In addition, it will tell you what each light on the dash indicates.
 
Know where your personal identification is, who your insurance provider is, and where the documentation for insurance and registration is stored at. It’s simple enough to keep it in your car, and that will certainly do the job. But in the case of an emergency, the last thing you want to do is have to go digging through the glove box, center console, and through all the other cubbies and pockets your car has just to find it. Do yourself a favor, and keep it in one spot so that you can find it and reach it easily.
 
Put an emergency kit in your trunk. Jumper cables, a flashlight, spare tire, and a first aid kit are incredibly important. Consider also including some weather specific gear like sunscreen, a towel, blankets, umbrellas, etc. Safety first!

Have a ' GO TO' Regina Auto Body and Collision Repair shop!
At Bergens we truly do treat our customers like family!  

Why should you choose us as your go to Regina Auto Body professionals?

We are:

• An SGI Accredited Auto Body Shop
• Trusted Regina Auto Body and Collison Repair shop. 
• We have been voted 3 Best Rated Auto Body shop in Regina and we are Number #1 best rated Auto Body in Regina!

Bergen's GUARANTEE that you will be treated to both friendly service and quality workmanship....and after speaking to their clients we can definitely say that they do all they claim and all in a style all of their own! 

Bergen's AutoBody & Collision Centre are TRUSTED REGINA AUTO BODY EXPERTS...and they are waiting to help you. Fan them on Facebook here and be assured that they will look after you ..you can TRUST them..we Guarantee it!