You will have to pay the deductible amount shown in your policy. If there are losses not covered by your policy, you would pay for those too.
Do I need travel trailer coverage?
Third-party liability automatically extends from the towing vehicle* - while the trailer is being towed.
Once the trailer is no longer being towed, a personal liability extension is required to cover any damage the trailer may inadvertently cause to others or their property.
Please connect with us to learn more.
*Not applicable in Quebec.
What are different types of car insurance?
There are different types of insurance for different needs, and in some cases, for different provinces:
Third Party Liability
Accident Benefits
Comprehensive
Collision
Direct Compensation-Property Damage
Uninsured Automobile Coverage
All Perils
Specified Perils
You can also add additional "covers", depending on your needs.
Why is it cheaper in some provinces to insure female drivers under age 25 than male drivers under 25?
We know young men don't like to hear this, but statistics show that young male drivers have more accidents on average - and they also tend to be more serious accidents.
Every insurer sets premiums based on how likely you are to be in an accident. Statistics are the only way we have to come close to a good prediction.
Yes, in some parts of Canada it is more expensive for young male drivers to get insurance. The good news is keeping your driving record clean will even it up after the first few years. Keep driving safely and your premiums should even out quicker. Risk-takers make insurance more expensive for everybody.
How do I add or replace a car on my policy?
Adding or replacing a car on your policy is easy! Just get in touch with us by calling 1.833.223.8740. Here are a couple of things we'll need from you when you contact us:
The name and address of the company handling your lease or financing (if applicable). Please note, this will not be the dealership you purchased your car from.
If you're from one of the below provinces, we'll also need:
Alberta - A Vehicle Inspection Report if your vehicle is 12 years or older.
Atlantic Provinces - Depending on your circumstances, a Motor Vehicle Inspection may be requested.
How do I make a collision claim?
First, call the police and report the accident. Then, just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
What does Collision coverage provide me?
This covers the cost of damage to your vehicle in a collision or overturning which you're responsible for. It covers single or multiple vehicle collisions. It also covers you if the responsible party is unknown/unidentified. It doesn't cover mechanical breakdown, wear and tear, etc.
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.
How can I be sure I have enough or the right insurance coverage?
There is no right answer to fit everybody's situation. Talk to an insurance expert, such as a Service Specialist, and they'll help you decide. You should always review your coverage if your circumstances change. For example if you move or change vehicles.
Auto Insurance