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
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 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.
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.