Eligibility and Restrictions
Not sure if you’re eligible for our auto insurance? Don’t worry. Whether you choose to get a quote online or on the phone with one of our customer representatives, you’ll find out right away whether you’re eligible for coverage.
What are the conditions for getting auto insurance?
LicensingTo obtain an auto insurance policy, you and all the people you intend to list as drivers of the vehicle need to have valid licenses.
Customization or modificationsIf you have altered your vehicle to enhance its performance or appearance, be aware that we might not approve some modifications. For example, a change from the manufacturer’s original specifications that is designed to enhance the vehicle’s performance could lead to a refusal. If you plan to modify your vehicle, call us first! We’ll let you know if the changes could have an impact on your policy.
Past losses or convictionsRestrictions based on a prior accident record will vary depending on whether you are looking for a new car insurance policy or wish to renew an existing policy. Other restrictions may arise from past convictions and can vary depending on the time elapsed since your conviction and the nature of the conviction.
Legal issues and non-paymentIf you have been convicted of auto insurance fraud in the last 10 years, or were involved in any fraud or misrepresentation, this could affect the likelihood of your obtaining insurance.
Please note that your policy may be nullified (voided) and your claim payment denied if:
Non-payment of the policy premium may result in cancellation of your policy.
Other issuesThere are a number of other factors that can prevent us from issuing a policy:
In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.
The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.