Auto Insurance

In Canada, motor vehicle insurance (including cars, trucks, motorcycles) is mandatory for the combination of the owner and the operator.

Vehicle insurance falls under provincial jurisdiction. Although the basics of liability, personal injury and property damage are all covered, insurance is different in every province. In B.C., Manitoba and Saskatchewan, most coverage is provided solely by a government insurer. In Quebec, bodily injury coverage is a government offering but the remainder is provided by the insurance industry, as is all auto insurance in the remaining provinces and territories. The features and characteristics of the insurance varies dramatically among these jurisdictions, but in all cases the insurance product is very highly regulated.

Insurance by an appropriately licenced insurer and distributor is recognized as valid in all the Canadian provinces and territories and the United States. Drive safely; be properly insured.

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For things to consider before purchasing auto insurance, see our Buying Checklist.

Saskatchewan Seatbelt Law Turns 40

Saskatchewan was the third province in Canada to mandate seatbelts, following Ontario and Quebec, which introduced the law the year before. In the intervening 40 years, this legislation has saved thousands of lives.   (Read more)

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