Help & Support - Auto Insurance

Auto InsuranceAuto Insurance

Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their lawyer or other representatives.

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.

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 with evidence of completed, approved training.

*Not applicable in Quebec. Driver training is mandatory in Quebec.

In order to properly assess your application, there are a couple of things we'll need from you when you contact us. These include:

You may also be asked questions about your age, riding experience and if you've taken a training or safety course.
If you have any specific questions about motorcycle insurance, your Service Specialist will be happy to answer them.

*Not available in Ontario.

Yes, we do but some restrictions apply. Snowmobile insurance is based on 12 months of coverage and accounts for off-season storage. A basic policy typically covers:

If you have any specific questions about snowmobile insurance, your Specialist will be happy to answer them.

*Not available in Quebec.

This covers the cost of damage to your vehicle by something other than a collision or overturning. Examples are:

  • Falling or flying objects
  • Broken glass
  • Vandalism
  • Animal impact

It covers you against many types of damage, but there are some exclusions, including:

  • Theft by a household member
  • Damage caused by a breakdown
  • Corrosion

This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may require you have it.

Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their insurers or other representatives.

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. 

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