Car Insurance faqs

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Will my insurance cover another driver who gets into an accident with my car?

When you lend your car, you lend your insurance, too. Your insurance policy is responsible for any property damage or bodily injury if your vehicle is involved in a loss ─ ev...

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How much should I pay for car insurance per month?

You're going to hear this answer a lot when it comes to insurance: it depends! There are many factors that determine how much you will pay each month. Things like where y...

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Is insurance higher on newer cars?

Sometimes yes, sometimes no. Sorry, we know that’s the worst answer, but there are so many factors that determine how much you pay for insurance. Safety features on new...

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Is it cheaper to insure an older car?

Sometimes yes, sometimes no. The age of the car is one factor insurance companies consider, but they also consider many other things, like your age, location, and insurance h...

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Do I need business insurance to drive to work?

If you're driving to your nine to five and don't have a pickup truck full of power tools, you most likely only require personal insurance. Talk to a broker to make su...

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Does my marital status affect my car insurance rate?

Some insurance companies take your marital status into consideration. And we hate to break it to all the lonely hearts out there, but common-law and married couples sometimes...

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Does my driving experience affect my car insurance rates?

Yes! Driving experience and driving history are factors insurance companies take into consideration when determining rates. If you don't have a lot of driving experience,...

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I commute to work, does this impact my insurance rate?

Yes, your driving habits are something that insurance companies take into consideration. The more time you spend driving, the more likely you are to be in an accident. This m...

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When is a car considered totalled?

That depends on the value of your car. Generally speaking, if the cost to repair the car is more than the value of the car, it is considered totalled.

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What if a friend wrecks your vehicle?

When someone else drives your car, your insurance will follow them. As long as you give them permission, and they are legally able to drive, your policy will be in effect. If...

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What is "Full" car insurance coverage?

Each province in Canada requires all drivers to have car insurance. However, the amount of insurance mandated by the law is quite minimal, and there are many other types of c...

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Am I covered if I lend my vehicle to my neighbour or friend?

Yes. When you lend your car, you lend your insurance too. In the event of a loss or incident your policy will cover any damage. However, if you are deemed at fault in the inc...