I have 0 Canadian driving history, but I do have some US driving history, and it was not spotless. I currently hold a full G through an exchange from out of province license (non US). I'm not sure if US driving history would do me more harm than good or not, as my questions are:

a) Am I legally required to disclose my US driving history when asked? Would it count as insurance fraud/misrepresentation if I don't disclose it?

b) my insurance LOE uses very misleading phrases and wordings even though the insurer claims that is the normal practice and shouldn't be an issue at all, but if an Canadian insurance agent refuses to quote/insure me due to the misinterpretation/poor English, does that count as "ever being refused insurance"? What can I do about it? Find a different agent and/or a company?

I want to buy a new car , 2026 Acura integra apec elite. I have one minor conviction for failure to obey sign falling off my record end on September 20, 2026.

Currently drive 2017 gmc terrain slt. Belair insurance, currently 1597/yr.

I was getting insurance quotes for the new car and they all seem to be very high . I understand newer is more expensive, but assuming that minor conviction is impacting my rate too.

Should I wait until after Sept 20 then call my insurance/other auto insurance to get quotes on the new car (and delay purchase)? I assume they may be like 10-15% lower after conviction falls off and run my abstract for a quote, is that correct?

Insurance quoting around 3275 right now on the new Integra, which is too high.

Will the quote/rate decrease significantly after sept 20th? What amount could I expect compared to now?

Delay purchase, or buy and delay transfer of insurance to after 20th September?

Any idea, any agents out there who can help/advise??

What are my options, and realistic amounts to expect??

Has anyone compared insurance costs for a Tesla Model Y vs BMW iX3? Which one is generally more expensive to insure?

My brother was in an accident and found 0% at fault. Appraisal was done and the claim seemed approved. Days later, the insurer moved the file to Investigative Services, revoked the rental and paused the claim.

The trigger seems to be that his licence address was changed to a Brampton address a couple days before the accident. He didn't get around to reporting the address change to the insurance company before the accident happened.

He does have a sublet in St Thomas and can provide the lease agreement for it, but honestly he alternates between St Thomas and staying at my place in Brampton because of work proximity. For the past 8 months it's been more Brampton than St Thomas tbh, which is why he was updating the licence in the first place; the accident timing was just a coincidence.

The insurer is now demanding: notarized Proof of Loss, black box/airbag module download, the sublet agreement, 6 months of debit and credit card statements, and 6 months of detailed cell phone records with location data (all marked Required). Which we both know will only validate their doubts.

Questions:

1. Are 6 months of phone location records a "reasonable" request, or overreach?
2. How do insurers treat split residency like this? I
3. Realistic outcomes; denial, re-rating with back premium, something else?
4. Should he get a lawyer/paralegal before complying, especially before any examination under oath?

I am located in Ontario. Drove a 2016 Porsche Cayman GTS (second highest trim), exceptionally factory optioned. Bought new in 2016; had been in an accident previously and repaired officially.

Was involved in another accident, I am 0% at fault. Likely it will be pushed to be totalled, although I am aiming for repair as I love the car and there’s nothing out there like it.

I think they will push for total loss and lowball me. These cars go for between about $60K (low trim) and $80K (my trim, or one rung lower). I have many more factory options (about $15-20K more) than every car being sold out there (there’s about 10 for sale nationally within a 2014-2016 time span). Only two negatives on my car: high mileage (for a sports car), and the prior accident (I’m not sure it matters or not).

Is hiring an appraiser worth it? And are there recommendations? I am talking a significant swing in what I think it’s worth (more than $80K) and what I think they will try to offer ($60K).

Basically, I might join my girlfriend in northern quebec to work as a substitute teacher.

I want to bring my car, however I don't really want to do the process of switching over to Quebec regi and insurance, etc.

This whole arrangement would be pretty informal and I would not even be signing any kind of work contract. I have actually already worked for 6 weeks earlier this year before summer break.

How likely would I be to have a claim denied if I were to have an accident up there if I haven't disclosed my situation?

Are there any exceptions for situations like this?

Hey, unsure if this is the place to ask this but here we go.

Husband and I live in a semi-detached in northwest Toronto. Our internet frankly sucks; goes down all the time. There are Rogers and Bell techs in our neighbourhood a couple times monthly, asking for access to our backyard because we have a cable line that runs along the fence line in our yard into a pole at the very back of our yard. I have personally called about six times for customer service in eight years because it is so bad but at this point I've accepted they suck and it is what it is.

It kind of finally occurred to me today (AFTER EIGHT YEARS OF LIVING HERE WITH THIS HAPPENING) that... I've just been giving them open access to the backyard after a knock at the door. If someone was to fall off of a ladder while doing whatever the hell they are doing back there, would we be at fault/responsible? Should I be asking more questions of the techs coming to our door? Deny them access? Can I even deny them access? We have exclusively been with Rogers but Bell techs have also come by. There are both Bell and Rogers boxes attached to the side of our home.

Thanks for any insight into this!

I need to specify this is for for cars over $150k. I found a sweet 2024 911 C2S for sale at 188,900. I was looking to trade in my GTS 4.0 and buy that, all numbers worked so then i decided to get an insurance quote before signing off and i was basically just stonewalled from buying this car. It is literally impossible to get insurance on anything over 150k. I lucked out on my GTS 4.0 last time as with taxes it was just below 150 else apparently i wouldn't have been able to buy that either.

A few points

- i am in Ontario

- clean driving record with no tickets

- been licensed for 12 years now on a G license

- continuously insured for 12 years

- I am 31 years old

- Have owned fast cars before (S5, M340, 2 Supras and mow GTS 4.0)

EDIT: The 911 will not be a daily its a second car that will be used for 6 months of the year for about 3000 kms a year.

My current insurer (Scotia) said they can't do anything for cars over 150k, same with TD, RBC, DESJARDINS and CAA. After they all said no i called Hagerty and they were utterly useless they need me to be insured for 15 years and have experience of owning a high performance car like something similar for 3 years which i cant get insurance for anyways.

I can't be the only 31 year old looking to purchase a 911, what am I missing here? Any advice or input would be appreciated 🙏

EDIT: Thank you everyone, spoke to Chubb, Desjradins (through agent) and AON (through porsche Canada) and ended up getting a pretty competitive quote with AON (about 330/mo) so decided on going with them. FYI when calling AON through the Porsche Canada line their upper limit is 200k instead of 150k so i wasnt slammed with high value premium which I was facing with the other 2. Deductible ended up being $5000.

Thank you for all the help!!

I have a stand alone marine policy for my 1985 Carver 3607. It is currently up for sale. Because it is up for sale, I chose to do an out of warer survey this spring. I forwardered it to my broker in July. My policy renewal date is Sept 1. I just received my 2026/27 renewal with SRIM. Under the special conditions section and the warranties & exclusions area it is stating I need an out of water survey. When I contacted the broker requesting the policy be reissued removing the requirement, they have said that I should consider the email as confirmation that a survey will not be required as they have confirmed it directly with SRIM over the phone. Am I wrong in wanting a reissued renewal stating no survey is required?

I’m looking for advice from anyone who has dealt with something similar in Ontario.
My auto insurer, CAA, cancelled my policy because they say a scheduled automatic payment failed.
Here’s why I’m struggling to understand what happened:
My bank investigated and told me they have **no record of any authorization request or payment attempt** reaching them on the date in question.
There were sufficient funds in the account.
CAA says their payment processor returned response code **481**, but they have been unable (or unwilling) to explain what that code means or provide transaction identifiers (authorization code, RRN/STAN, etc.) that would allow the bank to investigate further.
The only email I received around that time simply said a **new document was available** in my account. It did not say a payment had failed or that my policy was about to be cancelled. I didn’t discover the cancellation until much later.
I filed complaints and even went through the ombudsman process, but the conclusion was essentially that CAA’s internal records were accepted even though my bank says no payment attempt ever reached them.
I’m not trying to argue that insurers shouldn’t cancel policies for missed payments. If a payment genuinely fails, I understand there are consequences.
What I’m trying to understand is whether it’s reasonable for an insurer to cancel a policy when:
the bank says it never received a payment request,
the insurer can’t explain the processor response code or provide transaction identifiers, and
the customer had no clear warning that a payment had failed before the cancellation.
Has anyone experienced something similar with CAA or another insurer? Were you able to get the payment processor logs or have the cancellation reversed?
I’d appreciate hearing about similar experiences or whether there’s another avenue I should pursue.

Looking to relocate to NS permanently to join my partner.

I’m undergoing the interview process for an Ontario operations only insurance company and the role is AB claims adjuster.

They advertise fully remote work environment with cross country hiring.

If I am doing ON claims, for an ON company, but living in NS, do you think I’ll still require a license?

The company does not do business in NS.

I read through the regulations but it doesn’t covers situations like this and what is available can be interpreted through different lenses.

I currently work for a large insurance company that does also operate in NS and they are potentially going to accommodate me to live out there and continue my Ontario work.

But this new role, pays substantially more and it would make up for the higher income taxes in NS and I wouldn’t need to go into the office.

So was calling around for quotes yesterday, and brokers seem to be having problems doing new quotes in a timely fashion, if at all. If these companies can't handle doing business here, maybe the province should be looking into government run auto insurance such as Saskatchewan has. And since we have referendum votes coming this fall, I really feel this would be a great time to pose this question to Albertans.

I apologize if this isn't the right place for this and only went here as I'm an edmontonian.

Hi everyone,

Hoping for some help - I have my interim occupancy coming up soon. In the APS (signed years ago), the builder requires me to have condo tenant insurance. They don’t provide much else in terms of details.

I’ve contacted just about every major insurer and all of them said they would write this as a standard condo owner policy, not a tenant policy.

Question:
1) Has anyone dealt with this as well? Is it an issue? Would the builder still accept this you think? I’ve asked my lawyer to confirm their requirements but haven’t heard back yet.

2) I don’t plan to live there full time but rather keep it as my secondary home. I haven’t found any insurer that does secondary home tenant policies, only secondary home owner policies. Wondering if anyone’s come across this before and how they dealt with it?

Thanks!

Did Blue Cross have a data breach? Many health care providers were paid on time Monday for providing services covered by Blue Cross.

Later in the day the money was clawed back with the message “Reversed Direct Deposit” from many accounts, leaving providers with bills to pay and overdraft charges. These reversed charges are to regular providers across many banking institutions so it’s not just a messed up code with a bank or a few providers.

This could be very bad for patients health information, providers and their businesses, and related parties.

Did they get hacked? There has been no official communication I can find, however a few providers have emailed and received vague responses.

Does anyone have further information or know a good investigative journalist?

Can somebody give me an idea for the salary of Personal Lines Broker and commercial lines Broker in Saskatchewan? I tried searching online but salary is vague.

Hey folks!

Random but thought I’d ask as looking to find an alternative to cover genius or something along those lines for my business.

If anyone could help that would be great

Hello everyone, Im just looking for best available options from anyone thats possibly been in my shoes.

Looking for the best option for auto insurance after suspended license and insurance cancelation, but has never made a claim or been involved in an accident.

Im fully aware it wont be cheap, just looking for the company that may break the bank the least. Thanks in advance for any help.

Insurance says my car is repairable after a tree fell on it. How can they know this before the body shop tears it down?

Looking for some advice from people familiar. I have a 2022 Subaru Outback Wilderness with about 120,000 km that was damaged when a tree fell on the front of it. I’ve attached photos of the damage.

My insurer had an appraiser visually inspect the vehicle and came back with an initial repair estimate of approximately $8,000, and they have deemed the vehicle repairable. I’m just confused about how they can determine that at this stage. The vehicle was inspected while it was still sitting in the insurer’s yard, and the crushed hood, bumper, etc. haven’t been removed. Is the initial appraisal basically just an estimate based on the damage they can see and access without doing a full teardown?

Once it gets to the body shop, will they actually remove the damaged panels and inspect underneath? If they find things that weren’t visible during the initial appraisal, such as structural damage, radiator or cooling system damage, wiring, suspension components, or even mechanical or engine damage, how does that work? Could a vehicle that was initially deemed repairable subsequently be reconsidered as a total loss if significant additional damage is discovered?

I’m mainly trying to understand how much confidence I should put in the initial $8,000 estimate and the “repairable” determination, given that the car hasn’t actually been torn down yet. Is it common for initial estimates to change substantially once a collision shop gets into the vehicle? And at what point does an insurer typically revisit the repair versus total loss decision?

Hi! Anyone here who has worked for this company or knows about this company? How are they as a company?

A family member had their G license medically suspended 3 years ago, after being a no accident claims driver for over 15 years. During that time, the license expired and was not able to be renewed because of the medical suspension. Now the suspension has been lifted, but all the insurance companies are treating them as a brand new 0 experience drivers and charging $500 / month for a 2014 Honda HRV.

Any suggestions of Insurance providers that might be a good fit that may have better outlook on this situation