I've just moved to a new province. How do I get car insurance?


Here are some simple tips you can follow to make finding insurance in a new province even easier.

Before you leave

Contact your current auto insurance company and get a letter of experience stating how long you've been insured and how many claims you have on record. It's also a good idea to get a copy of your driving record too. Your new insurance company may request this information and it is a lot easier to get it before you move.

Learn more about Letters of Experience.

Get settled first

Usually, you have a little time after you move to change your driver's licence and your car's plates. The same goes for your insurance. In most cases, your existing insurance company will cover you in the new province where you are living for up to 30 days. Confirm this with your insurer first though before you move, so that you don't get any unpleasant surprises.

If you're moving provinces, getting insurance from a company in that province isn't the only detail you'll have look after. You'll also have to:

Shop around for insurance

Unless you are moving to British Columbia, Saskatchewan or Manitoba where insurance is provided by government agencies, you have a long list of insurance companies to choose from.

The company who insured you where you lived previously may not provide insurance in the province where you are moving - and if they do, they might not have the cheapest rate for you. The best advice is to compare car insurance quotes.

Comparing quotes through Kanetix® with an out-of-province driver's licence

You may want to get an idea of what you'll be paying for insurance before you move. If this is the case, you'll need to know what your equivalent driver's licence will be in your new province. Each province has it's own licensing structure. Some go by numbers, some by letters. Some will have graduated licensing and others won't. Here is a quick reference table that will tell you what type of licence you'll have when you transfer over to your new province's system.

BC AB SK MA ON PQ NS NB PEI NF
Learners 7L 7 7 7 G1 7 7 7 7 5, L1
Intermediate 7 - - - G2 - - - - 5, L2
Full licence 5 5 5 5 G 5 5 5 5 5


Government insurance

If you are moving to British Columbia, Saskatchewan or Manitoba, your insurance choice is simple. You have to purchase insurance from the government insurance provider in that province. Currently, Kanetix does not provide insurance quotes for these government agencies. For more information, check their websites:

British Columbia:
www.icbc.com
Saskatchewan:
www.sgi.sk.ca
Manitoba:
www.mpi.mb.ca

Provincial motor vehicle licensing information



British Columbia:
www.icbc.com
Alberta:
www.servicealberta.gov.ab.ca
Saskatchewan:
www.sgi.sk.ca
Manitoba:
www.mpi.mb.ca
Ontario:
www.ontario.ca/driving-and-roads/drive-ontario-visitors
Quebec:
www.saaq.gouv.qc.ca
Nova Scotia:
www.gov.ns.ca
New Brunswick:
www.gnb.ca
Prince Edward Island:
www.gov.pe.ca
Newfoundland and Labrador:
www.gs.gov.nl.ca

Kanetix is an online insurance shopping service and, more specifically is not an insurance company or brokerage. This response is believed to be accurate at the time of publication, but keep in mind that each person's situation is unique. In addition, this information is subject to change and Kanetix is not responsible for any damages caused as a result of the information included in this response. As such, always check with an insurance provider, or the proper authority, for terms and conditions that may apply to you specifically as the information may vary depending on your insurer, geographic location, and particular individual circumstances.


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