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Car Rental Insurance Tips

by John Daoukakis, Operations Coordinator, CFS

Typically, when asked you if you would like to buy insurance, the first thing that comes to mind is to say “No”. The strong sales pitch makes many of us defensive because we are often under the impression that insurance is an unnecessary cost. We usually reflect on all the times we bought insurance or a warranty but never used it and think to ourselves what are the odds that I’m actually going to need this?

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Acqusition de Véhicules pour expatriés, quels problèmes?

Quelques conseils

par Mahmoud Fakhriddin, Directeur Des Comptes, CFS

Si déménager d’un appartement à un autre est rarement amusant, alors, déménager d’un pays à l’autre n’est certainement pas une partie de plaisir.
Ce sont les employeurs des professionnels transférés, qui font appel à des compagnies de relocalisation afin d’arranger toutes questions liées au déménagement : trouver un logement, les écoles pour les enfants et autres services légaux et fiscaux.

Quasiment tout est réglé. Je dis bien « quasiment » seulement car on oublie un bien complémentaire qui pourrait s’avérer très utile : un véhicule!

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From the ground to the tank: a sinuous hydrocarbon odyssey

A Crude Relationship (Part 3)

by Adrian Cernea, Senior Consultant, CFS

Our previous article mentioned the disparity between the fluctuations of oil prices versus gasoline prices. Not surprisingly, there are many factors fueling this lack of proportionality.The current article will mention the most talked-about ones and then outline some less well-known – but perhaps more relevant – causes.
This is how it how a hydrocarbon odyssey works: oil exploration and production companies locate the oil, get it out of the ground and send it to refineries. Refineries in turn take the crude oil and turn it into gasoline, diesel fuel and a number of other products. Then, gasoline and diesel fuel find their way to the retailers so that you and I can power our vehicles. So what is the source of this discrepancy?

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Cutting Expenses?

Look at your fleet's fuel consumption.

by Laura Zommere, Consultant, CFS

Fuel overconsumption is one of those issues that come up in vehicle fleet reviews every single time. We have yet to see a fleet with an optimal fuel consumption track record. As fuel makes up the largest part of operational expenses and about 20-30% of the total vehicle ownership costs (the only other higher expense being depreciation), fuel consumption tracking is a key to success in fleet expense management.

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What is the Best Price for a New Car?

A Guide to New Vehicle Pricing

by Dan Stechysin, Managing Director and Owner, CFS

How do you know that you are getting the best available price on a new car? Typically, what you see on the web or at dealerships is the MSRP or “Sticker Price.” This is what is suggested by the manufacturer as a selling price for a car. The actual cost to the dealer (not counting other incentives that they may get depending on how many vehicles or types that they sell) is what is known as “Net Price”. This, the retail customer rarely sees. This is the cost of the car to the dealer.

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The Different Roles in a Car Dealership

"Who am I talking to???"

by Michael Morgan, Operations Coordinator, CFS

When speaking to someone at a dealership, it’s important to know that person’s name, equally out of politeness as for reference. What is arguably more important, is to know said person’s position. As with any place of business, the various positions in a dealership have their own goals, tasks, and incentives. In this blog post, I will outline the different positions that you would come across when purchasing a car, and what you should expect from them.

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Recent oil market fluctuations and how prices at the pump responded

A Crude Relationship (Part 2)

by Adrian Cernea, Senior Consultant, CFS

Towards the end of 2014, global oil prices declined sharply. The downward trend started at the beginning of October 2014 and only showed signs of reversing at the beginning of February 2015. During this four-month period, world-wide crude went down by as much as 50%! The steep decrease in global oil prices was primarily a product of a worldwide oversupply of crude oil. This had a significant impact on the whole energy market.

The main culprit behind the drop was, not surprisingly, OPEC. More specifically, it was OPEC reacting to US oil production.

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Gasoline Prices

A Crude Relationship (Part 1)

by Adrian Cernea, Senior Consultant, CFS

The ability to predict what the price of crude oil will be tomorrow would make anyone rich virtually overnight. Were I to have this ability, I could have easily exchanged my seat in front of my computer with a beach chair on a sunny island in the Bahamas! Unfortunately not a lot of people in this world have much say in or control over this matter.


The global price variability of crude affects all of us either directly or indirectly. Directly, through the price we pay when we fill up our cars to go to work, or indirectly when buying groceries that have been transported to our favourite supermarket, consuming some derivative of oil in the process.

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How to lower your Car Insurance Premium

Three tips that will save you money

As a general guideline, expatriates relocating to Ontario can expect to pay on average $2,500 to $3,000 a year in insurance premiums. Quebec car insurance, including the public and private portions for one year, can amount up to $900 to $1,200 per year. In B.C. a driver can expect to pay between $1,400 and $2,000 a year. Expatriates can expect even higher premiums if they reside in highly populated city centers, such as the Greater Toronto Area. These premiums are estimates and will differ depending on personal circumstances. They will not only depend on the province but also on factors such as, for example, driving records.

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