How do I switch insurance from one car to another car?
All customers may contact us at 1.833.223.8740. Please indicate your policy number, as well as your newly acquired vehicle's VIN, and the name and address of the company handling your lease or financing (if applicable). Learn more about how to find your VIN.
My vehicle is a total loss. What do I do?
We can help with that. Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
What information should I collect if I have a car accident?
Once everyone is safe, you'll need to write down some basic information.
Driver information:
Names
Driver's licence numbers
Address and phone number for other driver(s)
Vehicle information:
Car license plate number(s), including year and province
Make, model, year of all vehicles
Name and address of vehicle owner(s)
Insurance information:
Other owner/driver's insurance company and policy number
Accident information:
Time
Location
Your speed
Other driver's speed (for each vehicle)
Weather conditions
Road conditions
Number of passengers in each vehicle
Damage to vehicles
Claims adjusters are available 24/7 at 1.833.223.8743 to help with your claim.
Am I covered if I use my car for Uber?
Provincial regulations have specific guidelines as to what is and is not personal use for your vehicle. Carrying paying passengers is not a coverage under your personal auto policy. Whether or not your automobile will be used to "carry passengers for compensation" would have been addressed as one of the questions you answered on the original application for insurance.
If you have an accident while using your vehicle as an Uber driver, you could face serious financial challenges in both the costs to repair your vehicle and liability expenses. Property damage costs will likely be your responsibility. Another consideration is, if your passenger is injured in an accident while you are using your vehicle as an Uber driver and your claim is denied, your personal automobile insurance policy may not respond to cover injuries.
Finally, if you're using your vehicle to carry paying passengers and do not have the required municipal license, you could be facing a fine by local bylaw officials. Cities such as Toronto, Ottawa and others are ticketing and fining Uber drivers. Driving for a ride sharing company such as Uber may lead to significant coverage issues and may result in your policy cancellation.
Does a deductible always apply for auto insurance coverage?
Typically, a deductible is applied to every claim. The exception (in most provinces) is when the loss is caused by fire, lightning or when a vehicle is stolen.
Does the policy pay twice the amount insured if it's a joint policy?
A joint policy means the policy covers both policyholders; it doesn't double the payment amount.
Will I get a discount with a dash cam?
Not currently.
How to find my VIN or serial number?
A Vehicle Identification Number (VIN) (also known as a serial number) is a 17 character code of letters and numbers that identifies your vehicle. You can find your VIN in several places:
On top of the dashboard on the driver's side
Inside the driver's side door
On forms such as your bill of sale, registration card, and/or vehicle permit
When you are entering your VIN, keep in mind the following:
A VIN never has the letters I, O, or Q
The last five characters will always be numbers
Some characters may look similar, such as: S & 5, D & 0, B & 8, G & 6, U & V, Z & 2