Not sure if you’re eligible for car insurance? Don’t worry. We’ve taken out the guess work. Here are the conditions that make you eligible for car insurance:
To obtain an auto insurance policy, you need to have a valid license. If you intend to list any other drivers on the policy, they will also need to have a valid driver’s license.
All drivers for the insured car must reside in Canada.
Eligibility is also based on things like prior accident record as an example and 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 when your last conviction occurred and the nature of the conviction.Here are the restrictions that may prevent you from getting car insurance:
Your automobile must be for personal use.
If you have altered your vehicle to enhance its performance or appearance, insurance companies would need to assess the vehicle to determine if they would insure it. Tip: 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.
If 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:
- You omit or fail to disclose any facts and relevant matters known to you which are likely to change the insurers willingness to offer you a policy