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Kanetix's policy renewal reminder service

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Kanetix Newsletters and Updates

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Kanetix's travel insurance quote comparison service

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About how many kilometres do you drive each year?

The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident. Some insurance companies will even offer lower premiums to people who don't drive as often.

To answer this question, simply enter a numerical response without commas.


About how many kilometres is it driven to work/school each day? (one way)

Kilometres to Work/School

Driving to work or school includes driving all the way to your office or school as well as driving to a subway, bus or train station. Generally, people who don't use their vehicle to get to work or school, will have a lower premium than those who do.

To answer this question, simply enter a numerical response without commas.



Accident Waiver

Accident Waiver

Accident Waiver means the insurance company agrees to waive the right to adjust your insurance rate after an at-fault or partially at-fault accident. Ultimately, you are "forgiven" for your first accident.



Accident benefits

Effective September 1, 2010 - unless otherwise noted - quotes reflect the
following standard Accident Benefits:

1. Medical, Rehabilitation and Attendant Care
· Non-Catastrophic injuries
  · For medical and rehabilitation: $50,000
  · For attendant care: $36,000
· Catastrophic injuries
  · For medical and rehabilitation expenses: $1,000,000
  · For attendant care: $1,000,000

2. Caregiver benefits
· Catastrophic injuries: Up to $250/week for first dependant & $50/week
for each additional dependant
· Non-catastrophic: Not available (unless you opt to increase your benefits)

3. Housekeeping and Home Maintenance expenses
· Catastrophic injuries: Up to $100/week
· Non-catastrophic: Not available (unless you opt to increase your benefits)

4. Income Replacement
· 70% of gross income up to $400/week

5 Dependent Care
· Not part of standard policy; an optional benefit

6. Death and Funeral benefits
· $25,000 to your eligible spouse, $10,000 to each dependent & up
to $6,000 for funeral arrangements

7. Indexation
· Not part of the standard policy; an optional benefit.

These Accident Benefits limits and coverages are the basis of your quote
through KANETIX as of September 1st, 2010. You can increase your benefits or opt-in to
optional benefits when speaking to the insurance provider.


Alarm systems

Alarm Systems
Insurers may offer a discount if your car has an anti-theft device.

Audible - Usually combined with other systems, an audible alarm will make a loud noise if triggered.

LoJack - A LoJack system means your car will be easier to find if stolen due to vehicle tracking and recovery.

Electronic Immobilizer - Electronic immobilizers disable up to three operating systems (e.g. ignition, fuel and starter circuit). Newer model vehicles are factory-equipped with immobilizers.

Impact - An impact alarm monitors the vehicle's entry points. If armed, contact with the vehicle (e.g. window breaking etc.) activates an alert to the owner, usually an audible alarm.

Mechanical immobilizers - Mechanical anti-theft devices include after-market steering wheel or brake locking bars and transmission locks and are good visual deterrents.

Monitored tracking - Monitored security systems ('vehicle recovery' systems) are high-tech devices, usually tracked by Global Positioning Satellite (GPS).

VIN etching - Vehicle Identification Number (VIN) etching is the marking of your vehicle's VIN into all of the vehicle's glass. VIN-etching can be useful in recovery if the vehicle is stolen.

Intensive Anti-theft Marking (e.g. Sherlock and Guardian) - Intensive anti-theft marking is the permanent engraving of an identification number on about 50 areas - both visible and hidden. Intensive marking can be useful in recovery if the vehicle is stolen.

Manufacturer-installed anti-theft - 2008 model vehicles will likely have a manufacturer installed electronic immobilizer; if you own a newer vehicle it will. It is Canadian federal law that new cars have an approved electronic immobilizer to be sold in or imported into Canada.


Alcohol Free Discount

If you abstain from drinking alcohol, with exception to prescribed reasons or to take wine in communion or a religious service, certain companies may offer you a discount on your insurance premium.


Annual premium

The insurance premium shown is the total estimate for all vehicles and drivers. These estimates are based on the information you've entered into the comparison service and do not include provincial tax or service charges, if they apply.

All prices shown are 12-month (yearly) policies. This makes it easier for you to compare, however some insurance companies may only offer 6-month policies. Where this is true, the annual premium is marked with a "†".

Where available, a monthly price is shown, however, this is for comparison purposes only. This monthly rate does not take into consideration the deposit that may be required by the insurer.

If your quote is a range between two amounts, then press 'Request a call' and complete the contact information. A licensed representative will be in contact with you to go over your options.




Anti-theft system discount

Anti-theft system discount

Some insurance companies will offer a discount if you have an approved alarm or anti-theft device installed in your vehicle.


Business hours

These are the hours that the broker, agent, or direct seller, are available to help you with your premium, start a new policy, or give you advice.

M = Monday
T = Tuesday
W = Wednesday
Th = Thursday
F = Friday
S = Saturday


Certain companies offer a discount on your insurance premium if you sign up for a longer contract. Would you be willing to arrange a policy for a two year term?

Certain companies provide further discounts and incentives if you are willing to be insured for a two year plan.


Claims rating

Claims satisfaction ratings are available for companies listed on Kanetix that provide quotes to Ontario residents only. This information is published by the Financial Services Commission of Ontario (FSCO). Each year, FSCO releases a claims satisfaction survey that compares car insurance companies on policy price and customer service satisfaction.

For more information on the survey, visit FSCO's Web site, www.ontarioinsurance.com.


Claims-free discount

Claims-free discount

Some companies will offer you a discount on your car insurance if you have kept your insurance record claims-free for a specified amount of time.


Collision coverage

Collision Coverage

Collision coverage protects your vehicle if it is damaged in an accident. This coverage is optional because it's not required by law in all provinces. The cost of insuring some older vehicles for collision could be higher than the value of the vehicle itself - that's the main reason why some people choose not to purchase Collision coverage.

Have a leased or financed vehicle?
If your car is leased or financed, most leasing companies and banks require that you purchase both collision and comprehensive coverage for your vehicle. Check your financing agreements to see if this is a requirement of your contract.

Have a new car?
If your car is less than 2 years old, some insurance companies may not want to sell you an insurance policy without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.



Compare quotes?

  1. Answer a few questions in each step of the comparison service.
  2. Review your quotes and pick the one that interests you most.
  3. Confirm your rate with a licensed representative.
Licensed insurance advice
Remember, the quotes you receive are based on the information you've provided, so if you're in doubt about any of the questions or your answers, bring this up when you speak with the licensed representative. They'll be able to answer all your questions and update your quote so it accurately reflects your insurance needs.

Getting help along the way
If you have any questions as you complete the steps, give us a call at 1-888-854-2503 or submit your question and we'll get back to you. We're here to help. Or if you prefer, online hints are available to help you along the way.


Comprehensive Coverage

Comprehensive Coverage

Comprehensive coverage protects your car for things that are not covered by Collision coverage. This would include falling or flying objects, missiles, vandalism and theft.

Have a leased or financed vehicle?
If your car is leased or financed, most leasing companies and banks require that you purchase both collision and comprehensive coverage for your vehicle. Check your financing agreements to see if this is a requirement of your contract.

Have a new car?
If your car is less than 2 years old, some insurance companies may not want to sell you an insurance policy without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.



Comprehensive Coverage - Limited Glass (No. 13C)

No. 13C - Comprehensive Coverage - Limited Glass

This options works a little differently from other options. By choosing 13C Comprehensive Coverage - Limited Glass, you are not adding coverage to your policy, but taking some away! It limits the coverage on your car's windshield and glass from things like stone chips and cracks, but still provides coverage if your window is broken during a theft. Choosing this option can help reduce how much you pay for your insurance.



Comprehensive Coverage - Limited Glass (No. 13D)

No. 13D - Comprehensive Coverage - Limited Glass

This options works a little differently from other options. By choosing 13C Comprehensive Coverage - Limited Glass, you are not adding coverage to your policy, but taking some away! It limits the coverage on your car's windshield and glass from things like stone chips and cracks, but still provides coverage if your window is broken during a theft. Choosing this option can help reduce how much you pay for your insurance.



Comprehensive Coverage - Limited Glass (No. 13D)

No. 13D - Comprehensive Coverage - Limited Glass

This options works a little differently from other options. By choosing 13D Comprehensive Coverage - Limited Glass, you are not adding coverage to your policy, but taking some away! It limits the coverage on your car's windshield and glass from things like stone chips and cracks, but still provides coverage if your window is broken during a theft. Choosing this option can help reduce how much you pay for your insurance.



Depreciation Waiver Coverage (No. 43)

No. 43 - Depreciation Waiver Coverage

Has your car been written-off in an accident within the first 24 months of the original delivery date? This optional coverage ensures that you will receive the full value of what you paid for the car -- without depreciation. If your car can be safely repaired, your insurance company will arrange for necessary repairs.



Discounts

Many insurance companies offer discounts off your auto insurance rates and they can be different from company to company. This list will give you more information about each kind of discount.

Age discount
Depending on your age, some companies may give you a discount on your insurance. The qualifying age may be different from provider to provider.

Alarm or anti-theft discount
Some insurance companies will offer a discount if you have an approved alarm or anti-theft device installed in your vehicle.

Claims-free discount
Some companies will offer you a discount on your car insurance if you have kept your insurance record claims-free for a specified amount of time.

Conviction-free discount
Some companies will offer you a discount on your car insurance if you have kept your driving record conviction-free for a specified amount of time.

Driver training discount
If you have Drivers training certificate from a registered driver training school, some insurance companies will offer a discount. You must provide your Drivers training certificate (DTC) number to qualify.

Experienced driver discount
Some companies offer a discount for being an "experienced" driver. Depending on the insurance company you may be eligible for this discount if you:
  • have been licensed for a minimum period of time, usually 6 to 10 years
  • have been continuously insured for the last 6 years as a primary driver
  • have been ticket/conviction and claims-free for the last 6 years
  • are over a minimum specified age (this will vary by company)
Graduated licence discount
Certain companies may offer you a discount while you hold a learner's or graduated licence.

Low Mileage Discount
Some insurance companies offer a discount if the annual mileage on your vehicle is low.

Loyalty discount
How long have you been insured with your current insurance company?
If you have been with your current insurer for three or more years, you are likely already receiving a discount for your loyalty to them. As a result, some companies offer a discount on your car insurance premium that recognizes and values the loyalty you have already shown and to encourage you to shop around.

Multi-line discount
If you have both your home and automobile policy with the same insurance company, you will often receive a discount on one or both policies.

Multi-vehicle discount
This discount applies if you have more than one vehicle insured with the same company.

North American experience discount
If you've been insured continuously anywhere in North America for at least 15 consecutive years, some companies will offer you a discount.

New business discount
To provide incentive to new clients, some insurance companies will give a discount to first time customers.

New vehicle discount
Some companies offer a discount if you purchased or leased your vehicle new, or as a demo model with less than 3,000 kilometres. This discount can range from 5-15% and usually is dependent on the date of purchase rather than the model year.

Occupational discount
Some companies may offer you a discount based on your profession or trade.

Preferred parking discount
Some insurance companies may offer a discount off your premiums depending on where you regularly park your car at home. This is because your car is less likely to be stolen or vandalized if you park in a private, residential driveway or garage.

Retiree discount
This discount applies if you are over 65 years of age and receive no additional income, other than your pension (Ontario only).

Short commute discount
If your commute to work is less than 5 kms, certain companies will offer a discount.

Stability at work discount
Some insurance companies offer a discount depending on the number of years employed in the same industry.

Student discount
Some insurance companies offer a discount on your insurance premium if your son or daughter is attending school full-time away from home. This discount is not normally available though, if your son or daughter is using one of your vehicles while attending school out-of-town.

You may have to produce documentation to show your son's or daughter's full-time student status and enrolment in a post-secondary institution.

Winter tires discount
Some insurance companies offer a discount if all four of the tires on a vehicle are changed seasonally, so that in the winter the vehicle is equipped with tires designed specifically for driving on ice and snow.




Do I need a Letter of Experience?

One of the main factors insurers take into consideration when calculating your premium is your insurance history. Specifically, they will look for previous cancellations, accidents, claims made, and the length of time you have been insured. As a result, insurance agents or brokers may ask for verification from your previous insurer to confirm the information you have provided is correct and up-to-date. This written confirmation is known as a Letter of Experience.

The following are the more common situations when a broker or agent will require you provide a Letter of Experience. Providing this information will likely help you get the lowest rates possible.

Recently moved?
If you have recently moved provinces or moved to Canada from another country, you will likely need to provide a Letter of Experience from your insurer in your former province or country. You should be aware that experience form certain countries will not be accepted by some insurance companies. If you don’t already have a letter in your possession, you will want to contact your previous broker or agent so they can assist you in getting one. Most insurance companies will need to confirm any insurance history you want to account for, and they do this through a Letter of Experience.

Commercial driving history?
If you have been insured on a company policy (referred to as a Fleet Policy), this may not show up on your personal insurance information. You may need to get a Letter of Experience from your fleet policy insurer so your new company can review the history and use that experience when calculating your premiums.

Problems or discrepancies?
If the driving history you provide is not consistent with what is recorded in your insurance history, you may be required to provide a Letter of Experience. Sometimes insurance companies make mistakes, and these mistakes could get recorded in your insurance history. If you are aware of any discrepancies that exist on your driving abstract with what has really occurred, you will require a Letter of Experience to prove your case.

Finally, almost all insurance companies and brokers will not accept Letters of Experience from brokerages. While your previous broker can assist you in getting the letter from your insurer, they cannot write the letter. The letter needs to come from the insurance company directly. If you are having trouble contacting your previous insurer for your Letter, we can help. Send us an email with the name of your previous insurance company and we will assist you in obtaining this letter by sending you in the right direction.


Do any of the family members residing in your household belong to an employer group, a trade union or an alumni or professional association?

If you or a family member residing in your household belong to an employer group, a trade union or an alumni or professional association you may be eligible for a discount on your insurance premium.


Driver Assignment

In order to provide you with an accurate quote, we require that you assign each driver to at least one vehicle.

In addition, one driver must be considered the Primary Operator of the vehicle, with a vehicle usage of 55% or more.

At the same time, a driver cannot be the primary operator for more than one vehicle, unless you are comparing quotes for two drivers and three vehicles.


Driver's Name

You can choose to leave the driver's name blank or you can enter this driver's first name or nickname.

When completing a quote for more than one driver it is often easier to keep track of each driver's information by using their first name or nickname.


During the winter months, do you install 4 winter tires on your vehicle?

Winter Tires

Some insurance companies may offer a discount if all 4 of the tires on your vehicle are changed seasonally, so that in the winter the vehicle is equipped with tires designed specifically for driving on ice and snow. Tires meeting this standard* are marked with a picture of a peaked mountain.



Please note that this does not include all-season tires. Tires marked "M + S" (or "mud and snow" tires, also known as "all-season" tires) continue to provide safe all-weather performance, but may not always be suitable for severe winter conditions including cold temperatures, snow and ice.

* In 1999 the Rubber Manufacturer's Association (RMA) and the Rubber Association of Canada (RAC) introduced a winter tire grading. These tires are specifically designed for severe snow conditions and meet snow traction performance requirements. This standard helps drivers choose a tire that will help make their winter driving safer.



Education discount

Education discount

Depending on the level of education you have received, you may be eligible for a discount.


Email Address & Password

Email Address & Password

Creating a My Kanetix account will allow you to:
  • View your quotes
  • Get an emailed copy of your quotes
  • Return to your saved quotes at a later date
We value your privacy. For details, see our privacy policy.




Email or fax your quote

Use this tool to send your quote details right to your email or fax.


Find out more about Kanetix?

Kanetix is a free online quote comparison service. There are no fees, surcharges, or hidden costs for shopping at Kanetix. We work closely with approximately 30 of Canada's most recognized insurance companies to offer you quotes that are competitive in today's insurance market.


Get a Driver's Abstract from my province?

A Driver's Abstract is a snapshot of a driver's history. It usually contains a driver's name, licence number, class, expiry date, conditions/restrictions, height, date of birth, gender, driver's convictions, suspensions reinstatements over the past 3 years as well as conviction dates, earliest licensed date available, demerit point total and medical due date for commercial drivers.

To find out how you can get a Driver's Abstract from your province, visit their Web site for further information.

For Alberta, visit:
http://www3.gov.ab.ca/gs/services/mv/other.cfm#DrivingRecords

For Ontario, visit:
http://www.mto.gov.on.ca/english/dandv/driver/record.htm

For Quebec, visit:
http://www.saaq.gouv.qc.ca/saaqclic/en/public/drivingrecord/index.html

For New Brunswick, visit:
http://www.gnb.ca/0276/vehicle/english/drvrec_e.asp




Get help?

Have a question? We'll help you find your answers.

By email or phone

We're open Monday to Thursday 7:30 am to 8:00 pm (ET) and Friday, 7:30 am to 6:00 pm.

Online

  • Check out the online FAQs and InfoCentre - both have tips and articles to help you navigate the world of insurance.
  • As well, if you click on the Help button next to each question in the comparison service you'll find information to help you with your answer.
Licensed insurance advice
You'll also have an opportunity to speak with a licensed representative when you're confirming your quote. So if you're in doubt about any of the questions or your answers, make sure you discuss your doubts/questions with them. They'll be available to answer all your questions and make adjustments to your quote, if necessary.


Get more info on Driver's Abstracts?

A Driver's Abstract is a snapshot of a driver's history. It usually contains a driver's name, licence number, class, expiry date, conditions/restrictions, height, date of birth, gender, driver's convictions, suspensions reinstatements over the past 3 years as well as conviction dates, earliest licensed date available, demerit point total and medical due date for commercial drivers.

Do I need a Driver's Abstract to complete a quote?
No, but it is important to know all the details of your driving history when applying for your insurance. Having a Driver's Abstract and entering the information into the comparison service as it appears on the Abstract will help you in getting the most accurate quote. As well, it will save you time and effort since you'll have all your driving history information on hand. Without the Abstract, you may forget to disclose important information, and if this happens an insurance company could refuse your application for what is known as non-disclosure.


Has the main (primary) driver of this vehicle been listed as a primary driver on an insurance policy

The primary dirver is the person listed as the one who drives the car the most and who is usually listed on the insurance policy first.

Some insurance companies offer discounts if the person designated as the primary driver has experience as a primary driver. This discount will be applied to your quote if your main driver's experience includes being listed as the primary driver on an insurance policy for the last 6 years.

This discount only applies if the primary (not the occasional) driver meets the discount requirements.


Has the vehicle been substantially modified from the manufacturer's original product?

Such modifications include any alterations to the vehicle that do not come standard with the manufacturer's original product.

Please note that online quotes are not available for vehicles with performance enhancing modifications. Examples of such vehicles are:

  • Vehicles powered by Nitrous;
  • Vehicles powered by Aviation Fuel;
  • Vehicles with Specialized Fluid Hydraulics;
  • Vehicles equipped with a Roll Cage or "Tubed frame".



How many kilometres do you drive for business each year?

Kilometres for Business

The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident. People who use their vehicle for business will have a higher premium than those who do not. Business use includes driving to appointments or presentations or if you are a salesperson on the road.

To answer this question, simply enter a numerical response without commas.


How many kilometres do you drive for business each year?

Kilometres for Business

The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident. People who use their vehicle for business will have a higher premium than those who do not. Business use includes driving to appointments or presentations or if you are a salesperson on the road.

To answer this question, simply enter a numerical response without commas.

Should you be looking for a commercial auto insurance policy instead?

Is your vehicle:
  • registered to a company name?
  • plated for commercial use?
  • used to carry tools or equipment?
  • used to make retail deliveries?
  • used to transport passengers or goods for compensation?
If any of the above is true, please click on the corresponding link in the help section to the right to request commercial auto insurance quotes.



How many people drive this vehicle?

Insurance companies consider the number of different people that drive your vehicle, and their insurance record. Generally, the more people that drive your vehicle, the higher will be your insurance premium.


I can't find my auto in the pick list?

Most makes and models of cars are available on the Kanetix comparison service, but there could be a few instances where you are having a little trouble...

Are you looking for a brand new vehicle?
If so, the insurance companies may not have that new make in their databases yet. Try selecting the same or closest make from the previous year. The price may be a little low, but at least you will know what insurance company has the lowest rate for your profile. Once you know what company is best for you, follow the instructions for your preferred company. You may be able to apply online or confirm your quote by telephone.

If you still can't find your car, give us a call. We'd be more than happy to assist you.


I can't find my car in the pick list

Most makes and models of cars are available on the Kanetix comparison service, but there could be a few instances where you are having a little trouble...

Are you looking for a brand new vehicle?
If so, the insurance companies may not have that new make in their databases yet. Try selecting the same or closest make from the previous year. The price may be a little low, but at least you will know what insurance company has the lowest rate for your profile. Once you know what company is best for you, follow the instructions for your preferred company. You may be able to apply online or confirm your quote by telephone.

If you still can't find your car, give us a call. We'd be more than happy to assist you.


I need help?

Have a question? We'll help you find your answers.

By email or phone

We're open Monday to Thursday 7:30 am to 8:00 pm (ET) and Friday, 7:30 am to 6:00 pm.

Online

  • Check out the online FAQs and InfoCentre - both have tips and articles to help you navigate the world of insurance.
  • As well, if you click on the Help button next to each question in the comparison service you'll find information to help you with your answer.
Licensed insurance advice
You'll also have an opportunity to speak with a licensed representative when you're confirming your quote. So if you're in doubt about any of the questions or your answers, make sure you discuss your doubts/questions with them. They'll be available to answer all your questions and make adjustments to your quote, if necessary.


I need help?

Have a question? We'll help you find your answers.

By email or phone

We're open Monday to Thursday 7:30 am to 8:00 pm (ET) and Friday, 7:30 am to 6:00 pm.

Online

  • Check out the online FAQs and InfoCentre - both have tips and articles to help you navigate the world of insurance.
  • As well, if you click on the Help button next to each question in the comparison service you'll find information to help you with your answer.
Licensed insurance advice
You'll also have an opportunity to speak with a licensed representative when you're confirming your quote. So if you're in doubt about any of the questions or your answers, make sure you discuss your doubts/questions with them. They'll be available to answer all your questions and make adjustments to your quote, if necessary.


In what city is your work or school located?

Since you've indicated that you use your vehicle to drive to work, school and/or for business purposes, you will need to indicate the name of the city where your school or workplace is located. Some insurers need the details of your daily driving habits because they use the city where you work or go to school as the primary location in determining your auto insurance premium, while others, use where you live as the primary location.


Is the policyholder a member of a roadside assistance program (e.g. CAA, Canadian Tire, etc.)?

Roadside Assistance Programs

A roadside assistance program will offer you services that could help you if stranded at the side of the road. These could include helping you change a tire, assisting you when locked out of your vehicle and towing.

If you are a member of a roadside assistance program, you will not need the Emergency road service coverage option on your insurance policy.



Is the vehicle being driven for business or commercial purposes?

Business or Commercial use include vehicles which are:
  • registered to a company name;
  • plated for business use;
  • used to carry tools or equipment;
  • used to make retail deliveries;
  • used to transport passengers or goods for compensation.

If any of the above uses apply to your vehicle, you should contact a local broker or agent. Visit www.insurancedirectory.ca to search for a licensed representative in your area.


Is the vehicle being used to commute to work/school each day?

Driving to work or school includes driving all the way to your office or school as well as driving to a subway, bus or train station.


Is this an antique vehicle?

Antique vehicles can also be classified as classic, vintage, collector and/or custom vehicles. In order to receive an online quote through Kanetix, this vehicle can only be used or driven for pleasure, hobby and/or collector car purposes.


Is this vehicle leased?

Some insurance companies may offer you a discount if you own, rather than lease, your car.


Is your car leased or less than 2 years old?

Leased or financed vehicles
If your car is financed, most banks or leasing companies require that you purchase both collision and comprehensive coverage for your vehicle. Check your financing agreement to see if this is a requirement of your contract.

New cars
If your car is less than 2 years old, some insurance companies may not want to sell you an insurance policy without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.



Legal Liability for Damage to Non-Owned Automobiles (No. 27)

No. 27 - Legal Liability to Non-Owned Vehicles

If you need to rent a car for a short term, this option provides you with collision and comprehensive coverage on the rented car. This type of insurance can get expensive if you purchase it from a rental car company. Some of these companies charge up to the same amount per day for this coverage, as you pay for a year's premium.

Be sure to check with your credit card company before you purchase this option. You may already have this coverage.



Liability limit

Liability Coverage

Liability insurance provides coverage for you if someone else is injured or killed. It also provides coverage if their property is damaged as a result of an automobile accident.



Looking to insure your antique or older vehicle?

If you would like a quote for an Classic Car, Classic, Vintage, Collector or Custom vehicle, you must complete a separate quote. Currently, the insurers featured on Kanetix are only able to provide online quotes for antique cars when they are the sole vehicle on the quote.

Please delete this vehicle to continue with your current quote or select a newer vehicle.


Loss of Use (No. 20)

No. 20 - Loss of Use

Say you're involved in an accident and your car is damaged. Loss of use coverage pays for a rental car or alternate transportation while your automobile is being repaired. Coverage limits can be different from one insurance company to another.



Made up your mind?

Depending on the insurance supplier, you'll have one of two choices.

1. Call us
Just jot down the Quote Reference Number and call us at 1-888-854-2503. We'll get your permission to transfer your quote information to the company you've specified and introduce you to a licensed representative. They'll review your information, answer all your questions, and get any additional details that are required to confirm your quote.

2. Apply online/Request coverage
You can continue online and complete an application for coverage. Once the application is received by the company you've selected, a licensed representative will contact you to review your information, answer all your questions, and get any additional details that are required to confirm your quote.


Modify your quote

Use this tool to modify your vehicle, driver and money-saver details.


Multi-line discount

Multi-line Discount

Some companies offer a bundle or Multi-line discount on your car insurance premium if you have, a home, tenant or condo insurance with them as well. You can get a quote for your property when you confirm your auto quote.




Please enter the primary operation of your business and select the option that best describes it:

Commercial property insurance rates vary depending on the type of business you operate. Please enter your business operation and select the option from the dropdown menu that best matches your businesses' primary operation.


Save your quote

Use this tool to save your quote details. Then, next time you visit Kanetix you can retrieve your quote by logging on through My Kanetix with your email and private password.


Savings question

Savings

Although optional, we'd really appreciate knowing if we help you save money based on what you're currently paying. No one will know but us, and your answer will not affect your quote.




Savings question

Savings

Although optional, we'd really appreciate knowing if we help you save money based on what you're currently paying. No one will know but us, and your answer will not affect your quote.




Stability at work discount

Work stability discount

A discount may be applied when you have worked for the same employer for several years.


Terms of use for antiques cars

In order to receive online quotes through Kanetix, cars classified as antique, classic, vintage, collector and/or custom can only be used or driven for pleasure, hobby, and/or collector car purposes. This use includes being driven at exhibitions, parades, car shows, and similar functions organized by a properly constituted automobile club. This use can also include driving directly to and from of these events and driving for the purpose of repair, testing, or demonstration for sale. The annual kilometers driven cannot exceed 5000 km to receive an online quote through Kanetix.

If this vehicle is driven to and from work or for business and commercial purposes, please visit www.insurancedirectory.ca to locate an insurance representative in your area with whom you can discuss your insurance needs.

If you would like further assistance, please do not hesitate to call us here at Kanetix. We can be contacted at 1-888-854-2503.




Theft protection devices

Insurance companies may offer a discount if your car has a theft protection device. This is because your car is less likely to be stolen. Check below for information about the different types of theft protection devices.

Audible
The audible alarm is usually combined with other security systems and will make a loud noise if triggered. (e.g. a vehicle fitted with an impact type alarm will be equipped with an audible system that will sound if there is contact with the vehicle).

Boomerang
The Boomerang and Boomerang2 are vehicle tracking systems based on wireless, cellular technology. If you have a Boomerang installed in your car, some insurance companies will give you a discount off your premiums because your car will be easier to find if it is stolen.

Electronic Immobilizer
Electronic immobilizers disable as many as three vehicle operating systems at the same time (e.g. ignition, fuel and starter circuit). Electronic immobilizers require a special key or small electronic device to start a vehicle's engine. Many newer model vehicles are factory-equipped with immobilizers as standard equipment.

Impact
This alarm monitors the vehicle's entry points (i.e. driver and passenger doors) and also its immediate perimeter. If armed, any contact with the vehicle (a collision, someone trying to open a door or break a window) will activate an audible alarm.

Intensive Anti-theft Marking (Sherlock)
Antitheft marking is the permanent engraving of an identification number on about 50 areas of your car. Being permanent, this marking is a deterrent against theft & resale of your car.

Mechanical immobilizers
Mechanical anti-theft devices include after-market steering wheel or brake locking bars and transmission locks. Each of these devices are good visual deterrents.

Monitored
Monitored security systems are also known as 'vehicle recovery' systems. They are high-tech devices, usually tracked by Global Positioning satellite (GPS).


Tracking system discount

Tracking system discount

A discount may be applied if you have an approved tracking system device installed in your vehicle.


Transit discount

Public Transit Pass

National Bank Insurance Auto | Home rewards regular public transit users by giving them an additional discount. By regular users we mean a principal driver who uses a monthly public transit pass at least 8 months a year.


Transit discount

Public transit pass

National Bank Insurance Auto | Home rewards regular public transit users by giving them an additional discount. By regular users we mean a principal driver who uses a monthly public transit pass at least 8 months a year.


Vehicle marking discount

Vehicle marking discount

You may be eligible for a discount if your vehicle has an approved anti-theft vehicle marking system.


Vehicles manufactured prior to 1993

If you have a vehicle that was manufactured in 1992, you may be able to receive a quote online by selecting a similar model from the 1993 pick list. You should, however, be aware that your quote will need to be reviewed by the insurance provider for confirmation.

If you would like a quote for an Classic Car, Classic, Vintage, Collector or Custom vehicle, you must complete a separate Classic Car quote.

Otherwise, we recommend you visit the Insurance Directory Web site at www.insurancedirectory.ca. At this site, you will be able to locate an insurance representative in your area with whom you can discuss your insurance needs.

If you would like further assistance, please do not hesitate to call us here at Kanetix. We can be contacted at 1-888-854-2503.




What do I do now?

Depending on the insurance supplier, you'll have one of two choices.

1. Call us
Just jot down the Quote Reference Number and call us at 1-888-854-2503. We'll get your permission to transfer your quote information to the company you've specified and introduce you to a licensed representative. They'll review your information, answer all your questions, and get any additional details that are required to confirm your quote.

2. Apply online/Request coverage
You can continue online and complete an application for coverage. Once the application is received by the company you've selected, a licensed representative will contact you to review your information, answer all your questions, and get any additional details that are required to confirm your quote.


What is the current appraised value of the vehicle?

Insurance companies calculate your rate based on the appraised value of your vehicle, which includes all accessories, modifications, and electronic equipment. Please provide the amount listed on a current appraisal for the vehicle. If you would also like to get physical damage coverage for a matching trailer or a trailer used specifically for transporting this vehicle, please add it's value to the appraised value of the vehicle.

Please note that a recent appraisal will be required in order to purchase this insurance product for the vehicle.


What is the current value of the vehicle?

Current Vehicle Value

To answer this question, pick the dollar amount that is closest to the vehicle's current value.

For example, if your vehicle is worth $750 select $1,000 as your answer. If your vehicle is worth $39,000 select $40,000 as your response. If your auto is valued at $52,500 select $55,000.



What is the primary use of this vehicle?

Primary Use

Pleasure - Your vehicle is used for leisure driving only.

Commuting - Your vehicle is used to drive to and from work and/or school, as well as for leisure driving.

Business - Your vehicle is used for work-related purposes and for leisure driving on occasion. For example, a sales person who uses their vehicle to meet with clients.

Commercial - Your vehicle is used exclusively to complete one's job related responsibilities. For example, taxi service, landscaping company where equipment is transported to a different job site.


What year is your vehicle?

Insurance companies need to know the year of your vehicle, so they can consider things like repair costs, rate of injury, and the chances that your car will be stolen. Generally, newer vehicles are more attractive to thieves. So you'll end up paying a higher premium than if you insured an older model of the same vehicle.


What's the make of your vehicle?

Make of Car

Insurance companies use information like the make of your vehicle to figure out your premium. They'll look at details of other claims submitted for that make: like repair costs, rate of injury, and the chances that your car will be stolen. Some companies consider the Manufacturer's Suggested Retail Price when they're putting together your premium.



What's the model of your vehicle?

Model of Car

Insurance companies use information like the model of your vehicle to figure out your premium. They look at details of other claims submitted for that model: like repair costs, rate of injury, and the chances that your vehicle will be stolen. Some companies consider the Manufacturer's Suggested Retail Price when they're putting together your premium.



What's this tool do?

Check the tick box of each company you're interested in seeing, or comparing, their--

  • payment options,
  • A.M. Best rating,
  • discounts applied to your quote, and
  • special features.


    When was this vehicle purchased or leased?

    Some insurance companies may offer you a discount if you own, rather than lease, your car.


    Where is this vehicle primarily garaged or parked while at your home?

    Some insurance companies may offer a discount off your premiums depending on where you regularly park your car at home. This is because your car is less likely to be stolen or vandalized if you park in a private, residential driveway or garage.


    Who drives the vehicle the most?

    Insurance companies consider the number of different people that drive your vehicle, how often they drive and their insurance record.


    Why do rates vary?

    Rates are set to cover the cost of future accidents and claims. To help determine what the future may hold, each company looks at their past experiences as part of the process.

    What this means is that each company determines their rates differently by looking at each individual's driving experience, infractions (if any), place of residence, the number of people using the vehicle and the kind of vehicle being driven. This, in addition to the related expenses for administering claims, results in the range of rates that you see.


    Why have some companies not offered a quote?

    Kanetix works closely with approximately 30 of Canada's top insurance providers. These companies are spread out over the whole of Canada covering auto, home, life, motorcycle, critical illness and travel insurance. The number of quotes you receive is based on the type of insurance you've requested, your region and the specific details of your quote profile.


    Why is this option not available?

    Not available due to the age of the vehicle.


    Why is this option not available?

    This option is not available due to your chosen Collision and Comprehensive deductibles.


    Would you be willing to install a device which records certain details about the use of your vehicle? Certain companies can offer up to a 25% discount on your insurance premium.

    Usage Based Insurance Program

    Some insurance companies give you a discount at enrolment and analyze your driving habits to offer potential discounts on your next renewal.
    You simply need to connect a telematics device in your car. The device and documentation will be delivered to your mailbox. When you drive, the device collects real-time data on your driving habits: kilometers driven, hard braking and fast acceleration, and time of use.
    Your savings are directly linked to your driving habits!


    Your postal code

    Enter the postal code where your vehicle is usually parked overnight.

    Auto insurance rates vary, depending on where you live. Rates in big cities are usually higher than in more rural areas. Why? Because with more people living in one place, the risk is higher that accidents, theft or vandalism will occur.


    get business insurance quotes?

    Business insurance quotes are now available in Ontario.

    • Call Kanetix at 1-888-854-2503 and we'll connect you with a business insurance broker.
    • Or, submit your contact information online. A business insurance broker will contact you within 1 business day.

    We are expanding this service beyond Ontario shortly. In the meantime, please visit www.insurancedirectory.ca to search for a licensed representative in your area who can help.


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