Help & Support - Auto Insurance

A joint policy means the policy covers both policyholders; it doesn't double the payment amount.

Insurers base your premiums on how likely it is you'll be in an accident. They use a lot of factors to get a realistic and fair estimate, including:

• How long you and other drivers listed in the policy have been driving
• How long each of the drivers has been continuously insured
• Insurance claim history
• Whether the vehicle is used for work or pleasure, and whether it's driven to work or school
• Where you drive
• How far you drive

They also consider the make and model of the car you drive.

And yes, in some parts of Canada, your age, gender and marital status make a difference too.

Home insurance companies will use many factors to calculate your premium. Some of these factors include:

• The price of the home
• The age and condition of the home
• The cost to rebuild the home
• The home's location
• The value of the contents and property within your home
• The deductible amount you’ll need to pay to make a claim
• Your credit history (for some provinces)
• Any discounts you could be eligible for

Talk with an insurance agent to see what discounts you might be eligible for and get a home insurance quote today!