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Warm Thanksgiving Wishes for a Memorable Celebration!
The Ing & McKee Insurance team, want to take a moment to express our
heartfelt gratitude for your continued trust and loyalty. As Thanksgiving
approaches, we are reminded of the blessings that each and every one of you
brings to our professional journey.
This Thanksgiving, we want to extend our sincerest thanks for allowing us to be
your insurance partner. Your support and collaboration have been invaluable,
and we are truly honoured to serve you. Your confidence in our expertise
motivates us to continually strive for excellence in providing tailored coverage
and exceptional service.
May this Thanksgiving season fill your homes with warmth, love, and laughter
as you gather with family and friends. We hope your table is adorned with
delicious food, cherished traditions, and moments of joy that create lasting
memories.
We look forward to continuing our relationship and protecting what matters
most to you in the years to come.
Happy Thanksgiving!
Newsletter
October - December 2023
Did you know we offer Travel
Insurance!
Introducing the perfect travel partner: TRAVEL
INSURANCE!
Whether you’re planning a dream vacation or a
quick getaway, it’s important to have the right
coverage to ensure a worry-free trip.
From lost luggage to flight cancellations, we’ve
got you covered. Travel with confidence knowing
that you are protected every step of the way.
With Travel Guardian and Ing & McKee
Insurance, requesting a quote has never been
easier. Just click on the link below and embark
on your journey with peace of mind, knowing
that your vacation is protected. Don’t leave
home without it!
Make unforgettable memories worry-free. Your
dream vacation starts here!
Click here for your quote today!
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What types of insurance coverage do you
offer?
Ing & McKee Insurance offers a wide range of
coverage options, including auto insurance, home
insurance, renters insurance, business insurance, and
more. We can tailor a policy to meet your specific
needs.
How often should I review and update my
insurance policy?
It’s a good idea to review and update your insurance
policy annually or whenever significant life events
occur, such as moving, buying a new car, or
renovating your home. Regular reviews help ensure
your coverage aligns with your current needs and
circumstances.
What factors affect the cost of my insurance
premium?
Several factors impact your insurance premium,
including your age, driving record, location, type
of coverage, and more. We’ll assess your individual
circumstances to determine your premium.
Can I bundle multiple insurance policies
together?
Yes, we offer bundle discounts when you combine
multiple policies, such as auto and home insurance.
Bundling can help you save money while simplifying
your insurance coverage.
Do you offer insurance for recreational
vehicles, such as boats or motorcycles?
Yes, we offer insurance coverage for recreational
vehicles, including boats, motorcycles, RVs, and
more. We can help protect your valuable assets
while you enjoy your leisure time.
How does insurance coverage work for rental
cars?
Physical damage coverage for a rental vehicle can
come from several different sources. The coverage
chosen will depend on the circumstances, rental
duration, drivers, etc. In some situations, rental
coverage may be unavailable, such as with U-hauls
and recreational vehicles.
Another tip: check with your credit card company for
car rental insurance coverage if you use the card for
the rental.
The best practice when booking the rental is to figure
out the following:
1. The current value of the vehicle you are renting
(rental agency should be able to provide this).
2. Duration of the rental.
3. Drivers you plan to have using the vehicle when
you are away.
4. Options that the rental company offers for
coverage – we can use this info to help figure
out what you need/don’t need.
5. For a very reasonable annual premium, we can
add rental car insurance to your auto policy
that will provide the coverage you want in most
situations, at a much lower cost than the rental
car company.
Is ride sharing considered a commercial use
and should it be disclosed?
The ride sharing coverage is usually provided by the
ride sharing company while the driver is actively
working. This coverage is known as the SPF-9 policy,
and it is held by the ride-sharing company itself, not
the individual driver. When the driver is not actively
working, their personal auto policy will come into
effect to provide coverage.
1. It’s important for drivers to disclose their ride
sharing activities to their insurance provider, as
increased kilometres driven for work purposes
may need to be taken into account.
2. It’s worth noting that this coverage applies
specifically to app-based ride sharing services
where the parent company holds an SPF9 policy.
If the ride sharing activities are not covered by
such a policy, they may be rated as taxi services
instead.
3. The driver cannot do both Uber and Uber Eats
under a personal rating even if they are both
under the “Uber” platform.
4. Taxis are not considered ride sharing and require
commercial rating and insurance.
Is delivering food through platforms like Uber
Eats or Skip considered commercial use?
Yes, delivering food through platforms like Uber Eats
or Skip is considered commercial use. It falls under
the same category as pizza or take-away delivery.
Therefore, it is necessary to disclose this activity
to your insurance provider and obtain appropriate
commercial insurance coverage to ensure you
are adequately protected while engaging in these
services.
Can I make changes to my policy mid-term?
Yes, you can make changes to your policy mid-term.
Simply reach out to your broker, and we’ll assist you
with any updates or adjustments you need to make.
What is the process for adding a new driver to
my policy?
To add a new driver to your policy, contact our
customer service team and provide the necessary
information about the driver, such as their name, date
of birth, and driving history. We’ll update your policy
accordingly.
Does it cost more to insure a red vehicle?
Contrary to popular belief, the colour of your vehicle
does not directly impact your insurance premiums.
Insurance companies primarily consider factors such
as the make, model, year, and mileage of the vehicle,
as well as the driver’s age, driving history, and location.
What happens if I want to cancel my insurance
policy?
If you decide to cancel your policy, please contact
your broker. We’ll guide you through the cancellation
process and answer any questions you may have.
Ing & McKee Insurance: FAQ’s
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As insurance brokers, our role is not only to provide
coverage but also to offer valuable advice to our
clients. We want to emphasize the importance of
understanding the factors involved in insuring homes,
rented dwellings, farm and commercial buildings,
automobiles and other personal property. Here, we
will share some essential insights to help you make
informed decisions.
Regular Assessments: To ensure accurate coverage,
we recommend you review the value with your broker.
New Insurance-To-Value (ITV) assessments should be
reviewed every five years or sooner. These assessments
use things like home size and construction features
to determine an approximate reconstruction value
for your home. If you have done or will be doing any
modifications or improvements that increase your
home’s value by $5,000 or more, please contact your
broker to discuss as this could affect your Guaranteed
Replacement Cost.
Rented Dwellings & Older Homes: For homes insured
on an Actual Cash Value (ACV) basis, depreciation
and wear/tear on the home factors into all claims
settlements. For homes on a Replacement Cost
settlement basis, the maximum claim amount for a
total loss can be capped at the limit of insurance on
the policy. In both cases completing an ITV assessment
and having a value discussion with your broker is
vital. Policies with these settlement options don’t
have the same safety net as a home with Guaranteed
Replacement, so even more of a “hands-on” approach
to reviewing value is necessary.
Tenants/Condo/Contents Policies: These policies
can be challenging to figure out since everyone has
different stuff. The majority of these policies are
based on replacement cost. So, when figuring out your
policy limits, you must factor in the new cost, not the
acquisition cost. If you bought a couch for $200 at
a garage sale and it is destroyed in a fire, the policy
needs to replace the couch with something new,
similar to your previous couch in size and quality. That
is definitely going to cost more than the $200 you
originally spent.
The best question to ask: if you lost everything you
owned in a fire tomorrow, what size of cheque do you
need to repurchase everything immediately? Tools
like the personal inventory (see link at the end of the
article) can be helpful to figure out what you need
to insure for, and when in doubt, aim high. Increased
coverage limits are usually inexpensive and can provide
a buffer. Most of us have more stuff than we realize.
Don’t forget the junk drawer!
Appraisals and Coverage Limits: For valuable
possessions like jewellery, fine arts, collectables,
unique items, bicycles or other “limited” items within
your policy, extra attention is required to the values
assigned. While appraisals may not always be
mandatory, it’s important to reassess the value of
these items regularly.
Farm and Commercial Buildings: Unlike residential
properties, farm and commercial buildings do not
typically benefit from Guaranteed Replacement Cost
(GRC). Ensure regular updates on these properties,
taking into account factors such as debris removal.
Your broker can complete a replacement cost estimate
called a BVS to help you determine what it would cost
to haul away the debris and replace the structure. For
a more detailed assessment, getting a professional
appraisal or quote from a contractor on rebuilding is
even better.
Automobiles: The default claim settlement for
automobiles for total loss (write-off) claims is Actual
Cash Value, which factors in things like current market
value and wear/tear. However, some vehicles may be
eligible for an improved claim settlement. For classic
cars, obtaining appraisals is highly recommended.
Brand new vehicle? Opting for replacement cost
coverage provides improved settlement options for
up to five years. In cases where replacement cost
coverage is unavailable, consider adding limited waiver
coverage. Disclose any modifications or customizations
made to the vehicle and keep receipts as proof.
Not sure when to call? Common triggers:
Home Renovation
Major Purchase
Updates to items like: roofing, plumbing, heating,
electrical and hot water systems
New Construction
If you have any questions or need further discussion,
please contact your dedicated broker.
Your trust and satisfaction are our top priorities!
Personal Property Inventory PDF - Wawanesa
Check out this list of apps for Personal Property
Inventory.
Valuable Advice on Property Insurance: A Broker’s Perspective
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Blackfalds Ing & McKee is Moving
As we’ve communicated with our Blackfalds clients already,
we would advise that eective October 19th, our Blackfalds
team will be moving and joining our Ing & McKee colleagues
in the Red Deer oce at 6000 – 20 Sharpe Avenue.
This move allows us to provide you with better service
(including longer opening hours) with the resources of
Central Alberta’s largest team of insurance professionals. In
recent years, we have made significant investments in new
technologies that enable us to enhance our client service,
and more of our customers are dealing with us electronically.
From computers and soware to the latest in phones and our
online capabilities, we now have the best tools available to
service all your needs.
We want to take this opportunity to express our gratitude for
allowing us to be an integral part of the Blackfalds community.
Our entire team will be making this transition, and please
be assured that this change will only enhance the amazing
service that you have come to expect from our people.
Our contact information (direct line telephone numbers,
reception number, email address’s) remain unchanged.
If you have any questions or require assistance, feel free to
reply to call or email us.
Thank you once again for your continued support. We look
forward to welcoming you to our new oce in Red Deer,
should you wish to join us in person!
Spotlight Feature
Brent Williams, Calgary Managing
Partner at Ing & McKee Insurance
We are thrilled to announce
the arrival of Brent Williams,
our esteemed new Managing
Partner at Ing & McKee
Insurance in Calgary! With
his wealth of experience and
dedication to the insurance
industry, Brent brings a dynamic energy and a team of
six talented professionals to our organization.
Brent’s journey in the insurance industry began in
late 2004 in Prince George, B.C., where he started as
a Commercial Producer. His main focus was on the
Forestry and Oilfield Sectors. In 2011 an opportunity
presented itself to open his own office. In December
of 2011, he opened up Wilson M. Beck Insurance
Services (Alberta) Inc. along with David Beck and
Steven Pavelich. This experience allowed him to gain
invaluable knowledge and expertise as a business
owner and Commercial Insurance Broker, while building
the office from the ground up.
Starting with a small branch in Calgary , Brent’s hard
work and determination led to the remarkable growth
of his team, expanding to include 43 staff members
at Wilson M Beck Insurance Services (Alberta) Inc.
Throughout this journey, he has specialized in various
areas, such as Oil & Gas, Forestry, Construction,
Manufacturing, Transportation, Professional Services,
Trades & Contractors, Surety and Home-Based
Businesses. Additionally, Brent offers his business
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clients VIP personal-business insurance, ensuring
they receive comprehensive coverage tailored to their
specific needs.
Brent attributes his success to the quality of his
teammates. Without the support of his original
business partners, right to his current Account
Managers, none of his success would have been
realized. He values his clients and is grateful for their
continued support during this transition. Joining
forces with Ing & McKee Insurance was an opportunity
that Brent eagerly embraced as he already had a
long term relationship with the team. The partnership
with Navacord further enhances the support and
infrastructure available to Brent and his team,
providing the best available resources to serve their
clients in the manner they’ve come to expect.
Though starting from scratch presents its challenges,
Brent is eagerly looking forward to the incredible
journey ahead with Ing & McKee Insurance. His primary
goal is to foster the firm’s growth alongside his
talented and hardworking team in Calgary. Customer
service is paramount to Brent, and he takes pride in
delivering the best service possible to his clients. With
the backing of a remarkable team, Brent is excited to
expand his client base and provide ongoing support
every step of the way.
We are confident that Brent Williams and the Calgary
team at Ing & McKee Insurance will excel in this new
partnership. Their dedication to their clients and
commitment to excellence will undoubtedly drive
exceptional growth and success. Welcome aboard,
Brent! We are thrilled to have you as part of our team!
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Safety in the kitchen - Tips for a Successful Thanksgiving
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Cheesy Scalloped Potatoes: Tina Brenner
8 tbsp butter or
margarine
1 large onion chopped
or
sliced thinly into rings
4 cups milk
1 1/2 cup cheese
6 medium-sized
potatoes
8 tbsp all-purpose flour
1 1/2 tsp salt
1/2 tsp pepper (we like
pepper, could reduce
to 1/4)
In a medium saucepan, melt butter. Whisk in flour, salt and pepper;
it will take on a thin paste-like consistency and will be lightly
bubbling.
Add milk. Whisking constantly until boiling. Add cheese and stir
until thickened. Remove from heat.
Peel potatoes. Slice thinly (I use a mandolin).
Peel onion and chop, or if you prefer, slice thinly and separate into
rings.
Layer half the potatoes and onions in a 2-quart (2.5L) casserole.
Pour half the sauce over;
Layer the rest of the potatoes and onions on top.
Cover with the rest of the sauce. Bake covered in 350F (180C)
oven for 60 minutes. Uncover and bake for 15-20 minutes or until
potatoes are tender.
Savory Harvest Stuffing with Fruits and
Nuts:
Tamara Stuart
3 bags of bread
crumbs
½ bag soaked golden
raisins
½ bag sliced and
browned almonds
1 granny smith apple
1 (big) pear
Handful of walnuts
(optional)
5 stalks of celery
2 onions, one white and one yellow
6 cups of butter
3 litres of chicken stock – reduced salt
Water to your consistency
Poultry seasoning, oregano, S&P, spring of fresh rosemary, thyme
– all to taste
This stuffing is a delicious combination of bread crumbs, golden
raisins, almonds, apple, pear, walnuts, celery, onions, butter,
chicken stock, and a variety of seasonings. Mix together and stuff
into the bird in small balls or bake it separately in a pyrex dish for
your tasty side dish.
Enjoy!
Read the article below for great tips on staying safe in the kitchen this Thankgiving
We are excited to announce the upcoming Sharpe Ave Fall Festival, a fun-filled community event that
you won’t want to miss! Mark your calendars for the date, gather your friends and family, and get ready for
a day of festivities.
Date: October 7, 2023
Time: 11:00 AM - 3:00 PM
Location: Sharpe Avenue, Red Deer, Alberta
Here’s a sneak peek at what you can expect: Live entertainment, Food Trucks, Face painting, Bouncy Castle, VR
games, Make a Fall Centerpiece, Pumkin Patch, Superheros, Princesses and more! Best of all this is a FREE EVENT! Join us
for some family fun, where memories are made. Click here for more information and check out our map
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Exciting news for our valued customers in Rocky Mountain House and Caroline!
With the merging of Hunley Insurance and Ing & McKee Insurance, we are now able to provide our full
suite of insurance companies to all of our clients in Rocky Mountain House. These additional options are
fully complemented by our team of professionals who are here to provide you with exceptional customer
service.
Our Caroline oce also provides Alberta Registries Services, making us your one-stop destination for all your
insurance and registry needs.
Experience the dierence of personalized service and extensive market options.
We work with over 50 top-rated insurance companies across Canada to find you the most aordable
coverage.
Don’t delay, give us a call today and speak with one of our trusted brokers! 403-845-3180
Follow us on Facebook, LinkedIn and Instagram for more blog posts, tips and tricks to help you with all your
insurance needs. We have the broker advantage, so you don’t have to do all the work yourself. Get advice
from our experienced team of experts and find the best coverage at the lowest cost.
Winterize your Trailer Winter Tires Renew Registration
As the winter season
approaches, it’s essential to
prepare your trailer for the
cold weather to avoid costly
damage. Our comprehensive
guide will walk you through
the step-by-step process
of winterizing your trailer,
ensuring its protection during
the harshest months.
Click here for article
When it comes to driving in
the winter, having the right
tires is important to ensure
safety and will help you enjoy
your driving experience. The
diverse and often challenging
road conditions in this region
demand tires that can handle
it all. Read our article on the
importance of winter tires to
ensure safety and peace of
mind.
Click here for article
Located right next door to Ing
& McKee Insurance, Red Deer
Registries offers convenient
access for all your registration
needs. Whether you need
to renew your registration
or have any questions, their
friendly team is ready to assist
you. Plus, with the option to
complete registration renewals
online, it couldn’t be easier!
Contact them Monday to
Friday from 9 am to 5 pm at
403-347-3570.
Renew your registration online
