An automobile insurance policy is a contract between the policy holder and the insurance company. The basic automobile insurance policy is defined by provincial and territorial governments and all insurers – government and private – provide car insurance within a framework of provincial and territorial laws.
Auto insurance is sold by private companies in all of the ten provinces and the three territories. However, in British Columbia, Saskatchewan, Manitoba and Quebec, government-run insurance companies sell the basic/required minimum auto insurance. The level and scope of coverage offered by basic automobile insurance policies provided by these public agencies varies in each province.
Learning More About Auto Insurance
The Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, car and business insurers. Its website provides consumers with information on the insurance industry, answers to frequently asked questions, and tips related to car insurance.
Provincial and Territorial Information
For residents of Ontario
The Financial Services Commission of Ontario (FSCO) serves as the regulator for insurers providing automobile, health, life and property insurance to consumers in Ontario. The Commission’s website offers a brochure with detailed information to help Ontario residents better understand automobile insurance.
For residents of Quebec
Auto insurance in Quebec is provided by la Société de l’assurance du Québec (SAAQ) and private insurers. Public auto insurance provided through the SAAQ insures against injuries to people, while private insurers cover property damage.
The Groupement des assureurs automobiles (GAA) groups all automobile insurers operating in Quebec and together with the IBC have put together the InfoInsurance website to help answer insurance related questions in Quebec. Their website provides consumers with detailed information on auto insurance for residents of Quebec.
For residents of Nova Scotia
For residents New Brunswick
For residents Manitoba
Manitoba Public Insurance (MPI) is a non-profit Crown corporation that provides basic automobile insurance coverage to residents of Manitoba. MPI ‘s basic all-perils coverage, known as Autopac, is mandatory in Manitoba. Basic Autopac provides liability coverage for personal injury and property damage you cause, as well as damage caused to your own property.
For residents of British Columbia
The Insurance Corporation of British Columbia (ICBC) is a provincial Crown corporation that provides basic auto insurance and optional extended coverage to residents of British Columbia. The ICBC ‘s basic Autoplan is mandatory in British Columbia and provides basic liability coverage for personal injury and property damage you cause.
The ICBC website provides consumers with detailed information on Autoplan, as well as other coverage options available to residents of British Columbia through ICBC . Their website also features information on understanding auto insurance costs.
For residents of Prince Edward Island
For residents of Saskatchewan
Saskatchewan Government Insurance (SGI) is a provincial Crown corporation that provides basic auto insurance and optional extended coverage to residents of Saskatchewan. Saskatchewan operates a mandatory vehicle registration and insurance program. SGI’s basic insurance package provides coverage for damage to your own vehicle, damage your vehicle may cause to the vehicle or property of others, as well as coverage for personal injury or injuries caused to others.
The SGI website provides consumers with more information on their basic auto insurance program, as well as other extended coverage options available to residents of Saskatchewan. Their website also features information on the two types of personal auto injury insurance available in Saskatchewan.
For residents of Alberta
The Office of the Superintendent of Insurance regulates and creates policy for the insurance market in Alberta to ensure that Albertans have affordable access to the insurance coverage they require. The Superintendent of Insurance is also responsible for receiving consumer complaints regarding insurance.
The Automobile Insurance Rate Board (AIRB) regulates the premium levels for basic coverage and also monitors additional auto insurance coverage in Alberta. The AIRB website provides consumers with information on Alberta’s auto insurance system, as well as information on how to get insured and lists of insurance providers.
For residents of Newfoundland and Labrador
For residents of Northwest Territories
For residents of Yukon
For residents of Nunavut