Your insurance applies where the vehicle is being operated, used, stored or parked within Canada or the U.S., and on a vessel travelling between ports of those countries.
You must buy your insurance in the province where your vehicle is registered. That's usually your province of residence.
Do I have to have car insurance?
Yes, if you own and drive a vehicle on public roads, you must have car insurance. Every licensed driver in Canada has access to insurance, even in provinces with only private insurers. High-risk drivers may have to pay considerably more than average, but these drivers can at least get the minimum required coverage.
What factors affect the cost of my auto insurance?
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.
My child just got a learner’s permit, now what?
Although your child may be eager to get behind the wheel, please connect with us first to add them to your policy.
Newly licensed drivers will always benefit from taking a driver's training course from a Ministry-approved school, as safe and confident drivers are everyone's goal.*
Additionally, there may be savings on your premiums down the road with evidence of completed, approved training.
*Not applicable in Quebec. Driver training is mandatory in Quebec.
How do I make a windshield claim?
Just call 1.833.223.8743. Our claims service is available 24/7 every day of the year.
Do you offer insurance for Cabin Trailers or Camper Units?
Yes we do*. A basic Cabin Trailer or Camper Unit insurance policy typically covers:
If you have any specific questions about Cabin Trailer or Camper Unit insurance, your Specialist will be happy to answer them.
*Cabin Trailers and Camper Units are highly recommended to be written under a residential policy for better coverage.
**Not available in Quebec.
What does All Perils coverage provide me?
This is a very broad type of coverage. It covers everything that Collision and Comprehensive cover, plus theft by somebody in the household or by an employee.
This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.
Auto Insurance