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The comprehensive guide to car sharing and your insurance policy

The Comprehensive Guide to Car Sharing and Your Insurance Policy

Ride-sharing has become an affordable, convenient, hassle-free, and environmentally-friendly transportation strategy in Ontario. However, these new ways of getting around do have an impact on insurance coverage. Do you get separate car-sharing coverage or use traditional auto insurance? Before you embark on car-sharing as a service provider, you must understand how it implicates your auto insurance. What Is a Car-Sharing Service and How Does It Work? A car-sharing service is a peer-to-peer car rental service that allows people to rent their cars to others who need them. The beauty of it, it eliminates the long-term commitment and expenses of owning a car. The service usually has a fleet of vehicles available at different locations in your city or neighborhood. The process is simple: Sign up for a car-sharing service via an app or website. Use the car-sharing app to find a car that is available nearby. Unlock the car with a smartphone. Run errands, appointments, or take trips using the vehicle for as long as needed. Return and park the car at the same designated parking spot. You typically pay by the hour or by the day for car-sharing services. The total cost will depend on the car of choice,

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The Duliban difference

As an independent brokerage, we have the unique ability to fine tune our experience to be the quickest, most efficient way to get you from point A to B. Here’s how we do it:    

Step 1: Send referral link to friends and family

Step 1: Obtain your quote online or over the phone from one of our insurance pros, in as little as 5 minutes.

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Step 2: Receive $50 e-gift card of your choice.

Step 2: Our team will match you with the best available rate and coverage for your unique situation, and send you a personalized quote to review.

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Step 3: Refer up to 5 people per month

Step 3: Once we bind your coverage, you’re all set. We’ll manage your policy documents, changes, e-signatures and more.

Expert Picks

Speed Cameras in Ontario School Zones: What You Need to Know

Speed Cameras in Ontario School Zones: What You Need to Know

To enhance road safety and protect school zones, speed cameras have been installed throughout Ontario. These cameras automatically capture and issue tickets to speeding motorists, raising several questions regarding their impact on insurance, demerit points, driving records, corporate vehicles, and the extent of their deployment. In this blog, we will

Read More
5 essential business coverages for entrepreneurs

5 Essential Business Coverages for Entrepreneurs

When opening a business, it’s important to get insurance that will cover the unique risks you now face. Business coverage takes several forms, each meant to protect you from financial loss in specific situations. Here are some of the top coverages and the kinds of risks they protect against:   

Read More
Keeping your home protected during a severe wind storm

Keeping Your Home Protected During a Severe Wind Storm

Keeping Your Home Protected During a Severe Wind Storm May 26th, 2023 The wind in Ontario can be a mighty force to reckon with, capable of causing severe damage to homes and properties. When a windstorm is on the horizon, taking necessary precautions to protect your home and ensure your

Read More
Home renovations and your insurance policy

Home Renovations and Your Insurance Policy

Home Renovations and Your Insurance Policy April 24th, 2023 Your home is your biggest asset, and you take great pride in your ownership. Beyond routine maintenance or general upkeep, you may make some updates while owning your home. Whether you are handy enough to do it yourself or decide to

Read More
What to do when in a collision with wildlife

What to Do When in a Collision with Wildlife

While driving on rural roads, catching a glimpse of wildlife roaming through nature is expected. Although loud noises caused by traffic will often cause many animals to stay as far from the road as possible, there are times when they must get across, especially when looking for food or shelter.

Read More
Protecting your small business with crime coverage

Protecting Your Small Business with Crime Coverage

Small businesses and entrepreneurs need to take steps to protect their investments. Crime coverage is an essential aspect of business insurance that can help protect your business from financial losses due to theft, fraud, and other criminal activities. Despite a 38% drop in the rate of breaking and entering over the

Read More
Wood stove chimney maintenance 101

Wood Stove Chimney Maintenance 101

Wood Stove Chimney Maintenance 101 March 20th, 2023 If your house is located in an area that experiences intense winter storms, your home may likely have a woodstove chimney. While these classic home additions may offer unparalleled warmth on a cold night, they also come with a long list of

Read More
How inflation can affect your commercial insurance policy

How Inflation Can Affect Your Commercial Insurance Policy

  What is the connection between inflation and commercial insurance? Inflation drives up vehicle repairs and medical bills, forcing commercial insurance companies to pay out large amounts for claims. Small business owners will subsequently feel the pinch when their insurance policy renews. While small business owners cannot prevent inflation, they

Read More
Moving 101: change of address checklist

Moving 101: Change of Address Checklist

Moving 101: Change of Address Checklist February 24th, 2023 Moving can be a stressful experience, whether you are a first-time homeowner or have purchased and sold properties several times. To make things easier, it’s important to make a checklist of everything you need to accomplish before, during, and after your

Read More
Top 10 most affordable cities for home insurance in Ontario

Top 10 Most Affordable Cities for Home Insurance in Ontario

Top 10 Most Affordable Cities for Home Insurance in Ontario February 21st, 2023 The province of Ontario has something for everyone – beautiful scenery, great amenities, and affordable home insurance rates. While various factors can make it affordable to live in a particular area, not all cities and towns offer

Read More
Inflation’s impact on insurance – extended edition

Inflation’s Impact On Insurance – Extended Edition

Inflation’s Impact On Insurance February 15th, 2023 Since the global pandemic began in 2020, inflation has been at an all-time high causing major challenges to the insurance industry as well as our valued clients. The price of goods, labour and interest rates are all on the rise, causing stress to

Read More
A note from your broker on inflation

A Note From Your Broker On Inflation

A Note From Your Broker February 15th, 2023 As your dedicated insurance broker; it is our top priority to ensure that our customers are properly protected, and obtain the support and coverage they would need in the event of claim. We are strongly committed to understanding the needs of each

Read More
Things to consider before buying your first snowmobile

Things to Consider Before Buying Your First Snowmobile

Things to Consider Before Buying Your First Snowmobile October 12th, 2022 As the temperature drops, outdoor sports enthusiasts begin planning their winter excursions. One of the most popular winter activities throughout Ontario is snowmobile riding. Snowmobiles can be fun recreational vehicles that allow you to maneuver easily through rugged, snowy

Read More
Speed Cameras in Ontario School Zones: What You Need to Know

Speed Cameras in Ontario School Zones: What You Need to Know

To enhance road safety and protect school zones, speed cameras have been installed throughout Ontario. These cameras automatically capture and issue tickets to speeding motorists, raising several questions regarding their impact on insurance, demerit points, driving records, corporate vehicles, and the extent of their deployment. In this blog, we will

Read More
5 essential business coverages for entrepreneurs

5 Essential Business Coverages for Entrepreneurs

When opening a business, it’s important to get insurance that will cover the unique risks you now face. Business coverage takes several forms, each meant to protect you from financial loss in specific situations. Here are some of the top coverages and the kinds of risks they protect against:   

Read More
Keeping your home protected during a severe wind storm

Keeping Your Home Protected During a Severe Wind Storm

Keeping Your Home Protected During a Severe Wind Storm May 26th, 2023 The wind in Ontario can be a mighty force to reckon with, capable of causing severe damage to homes and properties. When a windstorm is on the horizon, taking necessary precautions to protect your home and ensure your

Read More
Home renovations and your insurance policy

Home Renovations and Your Insurance Policy

Home Renovations and Your Insurance Policy April 24th, 2023 Your home is your biggest asset, and you take great pride in your ownership. Beyond routine maintenance or general upkeep, you may make some updates while owning your home. Whether you are handy enough to do it yourself or decide to

Read More
What to do when in a collision with wildlife

What to Do When in a Collision with Wildlife

While driving on rural roads, catching a glimpse of wildlife roaming through nature is expected. Although loud noises caused by traffic will often cause many animals to stay as far from the road as possible, there are times when they must get across, especially when looking for food or shelter.

Read More
Protecting your small business with crime coverage

Protecting Your Small Business with Crime Coverage

Small businesses and entrepreneurs need to take steps to protect their investments. Crime coverage is an essential aspect of business insurance that can help protect your business from financial losses due to theft, fraud, and other criminal activities. Despite a 38% drop in the rate of breaking and entering over the

Read More
Wood stove chimney maintenance 101

Wood Stove Chimney Maintenance 101

Wood Stove Chimney Maintenance 101 March 20th, 2023 If your house is located in an area that experiences intense winter storms, your home may likely have a woodstove chimney. While these classic home additions may offer unparalleled warmth on a cold night, they also come with a long list of

Read More
How inflation can affect your commercial insurance policy

How Inflation Can Affect Your Commercial Insurance Policy

  What is the connection between inflation and commercial insurance? Inflation drives up vehicle repairs and medical bills, forcing commercial insurance companies to pay out large amounts for claims. Small business owners will subsequently feel the pinch when their insurance policy renews. While small business owners cannot prevent inflation, they

Read More
Moving 101: change of address checklist

Moving 101: Change of Address Checklist

Moving 101: Change of Address Checklist February 24th, 2023 Moving can be a stressful experience, whether you are a first-time homeowner or have purchased and sold properties several times. To make things easier, it’s important to make a checklist of everything you need to accomplish before, during, and after your

Read More
Top 10 most affordable cities for home insurance in Ontario

Top 10 Most Affordable Cities for Home Insurance in Ontario

Top 10 Most Affordable Cities for Home Insurance in Ontario February 21st, 2023 The province of Ontario has something for everyone – beautiful scenery, great amenities, and affordable home insurance rates. While various factors can make it affordable to live in a particular area, not all cities and towns offer

Read More
Inflation’s impact on insurance – extended edition

Inflation’s Impact On Insurance – Extended Edition

Inflation’s Impact On Insurance February 15th, 2023 Since the global pandemic began in 2020, inflation has been at an all-time high causing major challenges to the insurance industry as well as our valued clients. The price of goods, labour and interest rates are all on the rise, causing stress to

Read More
A note from your broker on inflation

A Note From Your Broker On Inflation

A Note From Your Broker February 15th, 2023 As your dedicated insurance broker; it is our top priority to ensure that our customers are properly protected, and obtain the support and coverage they would need in the event of claim. We are strongly committed to understanding the needs of each

Read More
Things to consider before buying your first snowmobile

Things to Consider Before Buying Your First Snowmobile

Things to Consider Before Buying Your First Snowmobile October 12th, 2022 As the temperature drops, outdoor sports enthusiasts begin planning their winter excursions. One of the most popular winter activities throughout Ontario is snowmobile riding. Snowmobiles can be fun recreational vehicles that allow you to maneuver easily through rugged, snowy

Read More
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