Help & Support - Auto Insurance

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!

We can help with that. Just call 1.833.223.8743. Service Specialists are available 24/7 every day of the year and will help if they can.

We can help with that. Just call 1.833.223.8743. Service Specialists are available 24/7 every day of the year and will help if they can.

We can help with that. Just call 1.833.223.8743. Specialists are available 24/7 every day of the year and will help if they can.

We can help with that. Just call 1.833.223.8743. Service Specialists are available 24/7 every day of the year and will help if they can.

This coverage is available if you have an accident caused by someone who is uninsured (i.e. neither the owner or driver is insured) or not identifiable (for example, in a hit and run). You are covered by your own insurer thanks to Uninsured Motorist Cover (in Alberta) and Uninsured Automobile coverage (in other provinces). To qualify, the other driver has to have been at fault.

How much coverage is available?
You will be covered up to the statutory limit in the province where you live or the province where the accident took place, whichever is less. This is generally $200,000. The exceptions are Nova Scotia ($500,000) and Quebec* ($50,000).

*Specific Uninsured Automobile Coverage is not offered in Quebec, but coverage is included under the mandatory civil liability coverage. 

If you are driving someone else's car, their insurance covers you while you are driving their car, as long as you:

• Have a valid Canadian driver's license (travelers from outside Canada need to check with the regulatory body of the province(s) they will be driving in)
• Are using the vehicle with the owner's permission
• Haven't committed an offence under Canada's Criminal Code while operating your vehicle
• Don't use the vehicle for one of the uses prohibited in their policy (for example, no racing)
• Are not specifically excluded from driving their vehicle

If you have an accident while driving someone else's car, you'll need to present proof of insurance. It's a good idea to make sure you have this available to you before borrowing a car.

If the car's owner doesn't have insurance, there is coverage under your own policy to protect you*. There are some criteria to be met; coverage won't extend to a vehicle owned by someone else in your household. Not all coverages on your own vehicle are provided and, while the covers vary by province, third party liability cover extends in all provinces.

*In Quebec, this coverage must be purchased as an add-on. 

You may not know that when you lend your vehicle, you're also lending your insurance. That's because any claims will be made through your insurance, not the driver's.

For that reason, your policy requires that the driver you're loaning the vehicle to be qualified and/or licensed to drive, depending on the province. Additionally, the same rules outlined in your policy apply to the other driver. For example, if your policy only allows personal use, the person borrowing your car cannot use it for deliveries or Uber.

If you routinely loan your car to the same person, you should name them on your policy as an occasional driver, too.