Checklist for car insurance when moving provinces

Moving provinces? Here’s a quick car insurance checklist

If you’re moving between provinces in Canada you’ll be changing your address and license plate number, which will affect your car insurance.

In addition, depending on where you live your premiums may go up or down – you may be moving to a safer area or one with a higher accident rate, for example – and this all affects your insurance.

Among the excitement and seemingly endless to-do-lists before, during and after your move, you’ll want to consider your insurance to make sure your vehicle is adequately protected. And since insurance regulations are different across Canada, it’s important to know what you’ll need to do.

3 Things to do when moving to another Province
1.	Get a claims experience letter
It’s unlikely you’ll have an insurance record in the province you move to, which is why it’s important to get a claims experience letter from your current auto insurance provider. This letter shows your insurance history and your new car insurance provider will need a copy for the transition. It usually takes about a week to get a letter and your broker should be able to help you obtain this.

2.	Get a driver’s abstract
Another document your new car insurance carrier may request is a copy of your driver’s abstract. This document may include added details they need, like your driver’s license number, class, status and expiry date; your date of birth, gender and height; dates of any convictions and current demerit points total, and other information.

3.	Know whether you need private or public car insurance
If you’re moving to British Columbia, Saskatchewan or Manitoba you have to buy a new car insurance policy from the relevant province’s government insurance provider. However, you can choose from many private car insurance providers if you’ll be moving to any other province or territory. If your current insurance provider doesn’t offer coverage in the area you are moving to, or you want to explore getting cheaper rates from different carriers, talk to your broker to help you get the best coverage and rates.

We hope that this quick guide helps you, if you need more information then contact us & we will help you with your queries.

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