December 2016 Newsletter


In this issue of Orr & Associates Insurance Update you will find:
  • Monthly referral winner
  • Winter Driving Tips
  • The importance of Travel Insurance
  • Orr & Associates 1st annual coloring contest
And much more....

Referral Winner

Lesline Martin
Congratulations to Lesline Martin for being the lucky winner of a $50.00 gas card.  If you would like to become a part of our monthly draw please contact our office, or just be sure that when referring a friend or family member that they mention your name.
Our Grand Prize winner will be announced in our January Newsletter

Winter Driving Tips

Check your vehicle
Be sure to get your vehicle winter ready by carrying an ice scraper and making sure that your washer fluid is effective to -40.  Keep your fuel tank at least half full and consider installing 4 winter tires on your vehicle. **Remember you are eligible for a discount if have them**

Be Prepared
Have emergency supplies with you and be sure that your cell phone is full charged.  Non perishable food, water, flashlight, blanket, warm clothes & jumper cables are all great things to carry while traveling in the winter months.

Slow Down, stay alert & in control
Many winter collisions occur because drivers are going too fast for the road conditions. Slow down and allow extra space between you and the other vehicles on the road. 
Focus on your driving and put away the cell phone and  any other distractions. 
Steer gently on curves and in slippery conditions. Hard braking, quick acceleration and abrupt gear changes can cause you to skid.  Avoid using cruise control on wet, snowy or icy roads as it reduces your reaction time and vehicle control.  If you do skid, release your brakes and steer in the direction you want to go. Be careful not to over steer.

**We have attached more winter driving tips to the bottom of this email available to download and read**


Don't let your credit cards go shopping without you.

You notice some charges that you know for a fact you didn't make. $188.85 at Canadian Tire, while you really love that store you know that you have not been in that store for the last 6 months.

Finally you do some more investigating and trace back more unauthorized charges on your card that you are sure you did not make.

So the damage has been done, but is not irreversible.  Most credit card companies are willing to strike the unauthorized charges from your bill and refund your money so long as you notify them within 60 days of the issued statement. But the real question is.... If the card is still in my wallet how did this happen?

There are two forms of credit card fraud that are widely talked about today - Skimming & Scanning.

Skimming - This scam has been around for several years.  One example of skimming occurs when thieves use a "universal key" to open gas pumps and embed a device that captures card numbers.  They also position a pinhole camera nearby that records the pin numbers. Fake cards are then encoded with the stolen information

Scanning - Most cards now a days have a microchip that is implanted into the card, it is a radio transmitter and has been around since WWII. The RFID chip embedment is everywhere from shoes, to humans.  The banks claim that the RFID chips on cards are encrypted to protect information, it has been proved that scanners, either homemade or easily bought, can swipe the cardholders information from 10 feet away.

There is a solution to the scanning and some people are recommending wrapping your cards in aluminum foil, but do you really want to be that person with the tin foil wallet? Luckily here are Orr & Associates we have wallets that block the RFID transmissions and stops the thieves from getting your cards information.  Should you wish for us to send you one please contact us and we will gladly send one out to you, or just stop by our office to pick one up.


Why buy Travel Insurance?

If an unexpected medical emergency should happen when you are travelling outside of your home province, territory or country, getting treatment can cost thousands of dollars.  Your government healthcare plans have limits on how much they will cover, which can leave you holding the bulk of the bills.

Here's how Emergency Hospital & Medical travel insurance can help
If you Travel Insurance can help you with…
Catch the stomach flu from tasting local exotic foods Finding a facility to treat you and paying your medical bills
Need to be taken to the hospital quickly for treatment Arranging an ambulance to carry you to the hospital
Only know how to say “yes” and “no” in the local language 24/7 access to multi-lingual emergency assistance
Need accomidations for your travelling companion during your treatment Covering unexpected out-of-pocket expenses
Want to continue your trip after your emergency Travel arrangements to get you back on track

Don't find yourself caught in a situation as listed above while away on holidays.  Contact one of our brokers before going away and we would be more than happy to help you out making sure you are protected.

What's been happening at the Orr & Associates Office.

Orr & Associates is having their first annual coloring contest.  Please click on the download image and print off the page or come into our office to pick one up. Have your kids take part in the coloring contest fun. All sheets must be returned by December 23.  We will announce the winner in our January edition of our newsletter.
Our King City ladies are at it again. This time celebrating "Movember".
    Orr & Associates Coloring Contest
Download now
    Safety Matters: Winter Driving - Skids
Help your truck drivers avoid skids, one of winter's many driving hazards, with pointers included in this safety talk.
Download now
  Orr & Associates Insurance Brokers Ltd
1700 King Road
King City, ON L7B 0N1
(905) 833-6691
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