Each insurance policy starts with a base premium (currently, this is $1,063).
Your premium then increases or decreases depending on aspects related to the vehicle (such as its use and location) and its drivers – their experience and crash history.
Of the driver portion, the majority (75%) will be based on the principal driver – the person who drives the car the most. The remaining 25% will be based on the listed driver with the highest risk.*
* If the other listed driver is lower-risk than the principal driver, the premium will only be reduced if that listed driver is a household member or employee.
Copyright ©2019 Christie Phoenix Web Master
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What customers need to know about peer-to-peer car sharing services
​Peer-to-peer car sharing services are promoted by companies that use their websites to connect vehicle owners with individuals interested in renting a car for a short-term. Companies that provide the online platform for peer-to-peer car sharing do not own the vehicles being rented. In some areas, the service includes insurance but this is not the case in B.C. In B.C., vehicle owners are responsible for having their own vehicles appropriately insured.
Who is responsible for insuring a vehicle used for a peer-to-peer sharing program?
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Climate change is an important environmental issue that has been attributed to human activities, including the release of carbon dioxide and greenhouse gases, as well as natural processes.
Climate change is partially responsible for the rising frequency and severity of extreme weather events such as floods, storms and droughts since warmer temperatures tend to produce more violent weather patterns.
As a result of climate change, extreme weather events involving hail, wind and precipitation that used to happen every 40 years in Canada are now happening every 6 years in some regions. (IBC)
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There are several ways for a home owner to reduce the insurance premiums for your home.
 1. Review your deductible. Increasing it can save you $$
2. Replace your hot water tank every 8 years and let your insurance broker
know. Consider a tankless one.
3. Have a back water valve installed on the main line to your home.
4. Put an alarm on your sump pump.
5. If you've replaced your roof, let your broker know.
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 Broker succession planning is something that can fall through the cracks, until it is too late. As insurance has evolved into meeting a client’s needs within minutes, having your own house in order – with a clear line of succession – is more important than ever.
Nolan Peters, a partner at Christie Phoenix Insurance, says Succession Planning has already undergone an evolution at his firm.
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 Christie Phonix will sponsor the 2013/14 Saanich Braves for a 3rd year in a row. Good Luck and "keep the stick on the ice"
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Hello, my name is Trish Beveridge – I have been in the Personal Insurance field in Victoria since 1984.
As an experienced Level II agent, I have spent the last 15 years as a senior Personal Insurance Account Manager with a large, publicly traded, international insurance brokerage, specializing in Private Client Service.
I am looking forward to joining the Christie-Phoenix team, sharing my knowledge and expertise in Home, Condo, Tenant, Marine and Travel Insurance. I am committed to providing you with the very best in Customer Service.
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 Christie-Phoenix Insurance, would like to announce that Jeff Wilbee CAIB, CIP & CRM has joined our team. With 13 Years of experience and three industry designations Jeff brings a wealth of knowledge. Jeff specializes in the Construction, Forestry, Manufacturing & Marine industry business segments.
Welcome aboard Jeff!
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Insurance is a mechanism for spreading risk, for sharing the
losses of the few among the many. It allows the policyholder
to substitute a small, defined expenditure (the premium) for a
large, but uncertain, future loss. Policyholders who escape
losses help to compensate those who are directly and
adversely affected by loss.
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