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Auto Insurance
Frequently Asked Questions



What factors affect my insurance premium?

Your car insurance premium is not determined solely by age, but also by a number of factors, including:

  • 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.

Can I view my policy on your website?

You can view your home and vehicle policies online via our secure site, MyInsurance. Visit the info page to get details, view a demo, register or login.

What do I have to do when I want to make a claim?

Please contact our Claims Department promptly at 1-877-323-0343. Our claims experts are there to help.

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.

If my car is in an accident, what are my options for getting the damage appraised?

You are free to decide where you want to have the damage appraised.

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.

How does car rental coverage work if I get in an accident?

If your auto insurance policy covers loss of use, it may cover the use of a rental.

Do I have rental car coverage while I'm on vacation?

With our Grand Touring Solution, your rental car would be covered in Canada and the US. If you are travelling outside Canada or the U.S., please call us to learn more about our coverage.

Can someone borrow my car?

In general, anyone can drive your car, provided that they have your permission, that they are duly licensed to drive, and that the car is properly insured.

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.