Frequently Asked Questions about car insurance
What factors affect my insurance premium?
- Your driving history
- The type of car you drive
- What you use your vehicle for
- How many people will regularly drive the car
- Where you live
- The type of coverage you choose
- Industry-related factors such as markets, inflation, taxes and regulations. Visit the info page to get details, view a demo, register or login.
For an automobile claim, you will be asked to provide certain particulars, including information about any other vehicles or passengers involved in the accident and details from the accident report (if necessary).
We strongly recommend that you first take all the necessary steps to ensure that you are safe and to help prevent further loss.
We may suggest that your vehicle be appraised at one of our recommended licensed repair facilities. When you report your claim, your claims analyst will provide suggestions of licensed repair facilities. However, it is up to you to decide where to have the appraisal done.
However, you should know that if a friend borrows your car and has an accident, then your auto insurance policy is likely to be affected, and the accident is also likely to appear on your friend’s driving record. The record of an accident tends to follow both the car and the driver. That's why lending your car is not generally recommended.
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.