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Eligibility and restrictions

Know more about your coverage

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?

  • you must have a valid licence to operate an automobile
  • you reside and your car is registered in Ontario, Alberta, Yukon, Northwest Territories, Nunavut, Québec or an Atlantic province
  • your automobile is not rated or used commercially


To 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 modifications

If 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 convictions

Restrictions 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-payment

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 misrepresent or omit to disclose any facts and relevant matters known to you which are likely to influence an insurer in the setting of the premium, the appraisal of the risk, or the decision to cover the risk;
  • you do not promptly notify the insurer of any changes that increase the risk specified in the policy and result from events that are likely to influence the insurer in setting the premium, or deciding to continue to insure the risk, for example, failure to disclose that the vehicle has been altered or modified.

Non-payment of the policy premium may result in cancellation of your policy.

Other issues

There are a number of other factors that can prevent us from issuing a policy:
  • your automobile has substantial unrepaired damage or is unfit or unsafe
  • your automobile is rented or leased to others
  • your automobile is used for racing or competition

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 advisor 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.