05 Sep We are answering your insurance questions

You have some insurance questions? We are answering some of the most popular or ambiguous ones.

Watch this column as we will be adding questions regularly.

Am I covered by my car insurance when I drive another vehicle?

The answer is NO. It is the insurance of the owner of the vehicle that you drive that will intervene to cover the damage in the event of an accident.

Does car insurance cost the same price from a province to another?

Premiums VARY significantly by province. In Quebec, for example, property damage and health coverage are distinguished for accident victims – medical care is covered by the provincial health system. For this reason, insurance premiums are less expensive than in Ontario.

Are these vehicles more expensive to insure?

Sports cars
Because one imagines that sports car drivers have more tickets, one thinks that this has an impact on the premium. That’s not the case.  In fact, it turns out that most offences are done by coupe, sedan and SUV drivers.

Honda Civic
The cost of the premium is directly related to the number of claims including the theft of the vehicle. As for the Honda Civic, it turns out that, yes, this car is on the list of the most stolen vehicles in the country.

Red cars
This is a myth. The color of your car does not affect the price of your insurance premiums. It is not an additional risk factor.

Jackie Beaudoin, Leclerc Insurance and Financial Services
Source :  Inspired by information taken from the CHAD’s Website