Moving to another province in Canada is an exciting adventure, but it also comes with a list of important tasks to tackle. One crucial aspect that often gets overlooked is updating your registration and car insurance. Understanding what happens with your auto policy when moving is essential. In this article, we’ll answer some frequently asked questions about transitioning to a new provincial territory.
Do I need to change my car insurance policy when moving provinces?
Insurance laws and regulations differ from one Canadian province to the next, so you need to make sure you comply with local laws. When moving to another province, you need to register your vehicle in your new location. If your current insurance provider doesn’t offer coverage in your new province, you will have to purchase a new policy.
Does my insurance rate increase when I move?
When you file for a car insurance change of address, you may notice that your rates have changed. You could pay less or more, depending on where you’re moving from and where your new home is. Many things influence car insurance rates, including the following:
- Your new province’s average rates
- Different risk variables in your new location (e.g., frequency of accidents and thefts in your area)
- Your insurance history
- Moving from public vs private insurance, or vice versa
- Provincial mandatory coverages
How long can I drive my car in another province?
If you’re simply visiting a new province and don’t intend to reside there, the amount of time you have to operate a vehicle with out-of-province insurance can be indefinite. However, once you move to a new province, you typically have 30-60, maybe up to 90 days, to register your vehicle with your new address. Keep in mind that this timeline may differ depending on the location. The best way to ensure a smooth transition is to get a copy of your driver’s abstract and a claims experience letter so that you can obtain new car insurance quickly.
Even if you only plan to visit a new province, check with your current insurance provider to see if you need to change your policy to stay covered. If you need help with what to do, an insurance professional can help you get all the information and file forms you need.
Can a vehicle be registered in two provinces?
There may be instances where you’d like to keep your old registration when moving between provinces. For example, you may only be moving to Ontario for six months out of the year and plan to spend the rest of the year in a different province. Insurance regulations differ between regions and situations, so it’s essential to speak with an insurance broker for advice on handling this.
What documents do I need to get car insurance in another province?
If you’re putting down roots in another province and need to switch your car insurance provider, it’s a good idea to bring the paperwork you’ll need to do so. Here are some documents to secure before your move:
- Driver’s abstract. This can be provided by your provincial government or the Ministry of Transportation. You might be required to pay a fee of $20, depending on your location. Additionally, this can be delivered digitally rather than a paper copy for ease of sending to your new insurance provider.
- A letter of experience. This is also called your claims history letter, which details your insurance history. When registering with a new provider, you’ll need to have this letter handy. Keep in mind it may take up to a week to receive, so request it before your move.
- Your new address. Some insurers don’t need any documentation for this, but others may request paperwork that states this is your new address, such as a water bill or credit card statement.
Do I need to change my license plates?
Yes, if you’re moving across the country, you will need new license plates. However, depending on which province you’re moving to, some offer a grace period for driving with your current plates until you can get new ones. For example, in Ontario, you can drive with your previous province’s license plates for 30 days after you’ve moved.
How do I get a new license plate?
You’ll need to register your vehicle in the province you are moving to. In Ontario, you can visit a ServiceOntario location to get this done. Some documentation is required to get this process done, including your driver’s licence, proof of purchase, and a Safety Standards Certificate.
You’ll also need proof of insurance from an insurance provider licenced in Ontario.
Tips for a Smooth Transition
To ensure a smooth transition during your move, take the time to research insurance providers in your new province. Compare rates and policies to determine how they differ from your current provider. This preparation allows you to have your new insurance in place on time, avoiding any gaps in coverage. Be sure to keep your existing insurance active until your new policy starts—this way, you’ll be protected against unforeseen accidents without the risk of costly out-of-pocket expenses during an already hectic time.
While you’re at it, explore bundling opportunities to combine your auto insurance with home or renter’s insurance. Bundling can often lower your overall costs, and if you stay with the same provider, you may qualify for discounts.
Finally, familiarize yourself with your new province’s insurance requirements. Understand the mandatory liability limits, optional coverage options, and whether roadside assistance is included. Some provinces also have legal requirements for additional coverage, so check the specifics to stay compliant.
Get Insurance Coverage Tailored to Your Needs
If you’re planning to move to a new province, reach out to us at Rowat Insurance to discuss your options and transition. We can guide you through the ins and outs, help you find affordable coverage, and ensure a smooth transition to your new home.