Auto Insurance

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Driver history has the biggest impact on premiums.

An automobile insurance premium is developed to reflect the likelihood of a driver being involved in an at-fault accident or having other types of losses. Insurance companies use many factors related to the likelihood of loss that are then considered when establishing the appropriate premium for an automobile insurance policy.

When determining how much you’ll pay for premiums, insurance companies may consider factors such as:

  • your age
  • where you live
  • what car you drive
  • how much you use your car
  • your driving record
  • your claim history
  • the type of coverage you choose

The cost of car insurance premiums can vary significantly from one person to another as a result of the use of these factors.

Who a car insurance policy covers

If you get into a car crash, your insurance may cover:

  • ​the driver
  • all passengers
  • other people who are involved

What a car insurance policy covers

Coverage is the maximum amount of money the insurance company will pay you if you make a claim for a loss or an event covered by your policy.

Mandatory insurance coverage

Canadian provinces and territories require drivers to have mandatory coverage. Some provinces may require more coverage than others.

Liability insurance

Accident benefits/bodily injury insurance

Additional insurance coverage

Your car insurance policy may also provide you with additional benefits.

Collision insurance

Comprehensive insurance

Optional insurance coverage

Depending on your driving record, you may not be eligible for all types of optional insurance.

You may also want to consider if you’d need additional insurance coverage for:

  • renting a car or using alternate transportation while your car is being repaired
  • repair to physical damage to a rental car
  • emergency road-side assistance
  • collision forgiveness which keeps your premium from increasing following the first accident for which you’re at fault
  • depreciation to make sure you receive the full value that you paid for your car

What a car insurance policy does not cover

Most car insurance policies don’t cover the loss of personal possessions, such when a thief steals golf clubs, clothing or personal electronics from your vehicle. Your home or tenant’s insurance usually covers these losses.

Check your home insurance policy to find out if it provides coverage for the theft of personal items from your vehicle.

Read your car insurance policy carefully. Always make sure you understand what it does and does not cover. Keep it in a safe and accessible place. Refer to it when needed.