Home > Help Centre > Blog Drivers across Canada wonder if temporary car insurance exists. There are situations when drivers need a customized solution to meet a specific driving need, such as a short-term policy for a classic car during summer or if you're in the process of selling a car. Situations arise where you may need short-term coverage, but it's not common across the province or country. If you are looking for temporary insurance, here are your options and what they will cover. Temporary car insurance is the solution for drivers who need to be insured for less than the standard one-year length. The policy can last for days, weeks, or even a few months.
For example, you may need short-term insurance when you are switching policies or need to rent a vehicle for a trip. If you are a driver seeking temporary coverage for Ontario car insurance, options are quite limited. Currently, you cannot purchase short-term policies in the province. Standard one-year policies are the most common type being offered, and the shortest term is six months. As driving needs change, one might wonder, what if someone needs a car only for their weekly grocery trip, or a friend needs to borrow it? The only alternative for those searching for short-term solution is the pay-as-you-go insurance plan MyPace by the Canadian Automobile Association. This program uses a plugged device to track your mileage and adjust your rate based on how often you drive and how many kilometres. It has been approved by the FSCO, under the conditions that insurers are accountable for how data is collected and used to offer specific discounts. Depending on the type of policy you have, you will have various options. Always check with the provider about what is exactly covered and hold on to any documentation. It may cover the following areas :
Temporary insurance may be required in a number of situations. Some of the most common include :
Insurers are looking into new alternatives to help the needs of new consumers who are entering the marketplace. They also bring a new relationship with vehicles – they seek functionality, ease of use while still being protected if there is an accident. Will the demand for temporary insurance shift current regulations? For drivers looking to get a short-term solution, you may be able to get car insurance for a six-month term. However, only a limited number of insurers offer this. Short-term insurance costs will vary based on your driving needs, vehicle type, driving record and other factors. If you want to buy a short-term one, you can contact your advisor to learn more. However, it may or may not be available, and you will need to confirm with them. In the provinces where it's available, temporary insurance costs will vary. Be sure to work with an expert to compare prices and options in your province. Like all car insurance rates, costs vary from driver to driver. Your automobile, location, age, driving history and other factors affect the amount you need to pay. Your ability to get short-term insurance in Canada varies by province. At a glance, the options are limited for the short term, but that does not mean you should risk driving without insurance. Here is a breakdown of short-term options across the county :
If your province offers temporary insurance, follow these steps :
It is essential to review the full policy so you can prepare for cancellation and management fees. Did you know that if you're visiting Ontario or are passing through, you can get a special permit from the province? It will last for ten days. According to ServiceOntario, you must have the following requirements to register your car and drive it : You may also need this protection if you are importing a vehicle from another country and transporting it through the province. This permit does not have any insurance – you'll have to take care of that separately.
In addition, if you have purchased your car in another Canadian province from a private owner, you will need to pay sales tax (RST or HST) when registering it in the province. However, if you are going to become a resident, you can declare an exemption from the tax.
No. A three-month automobile policy is not available. However, a limited number of insurers offer six-month policies. Speak with our team to learn more about your options. No. But, if you are a university student returning home for the summer, you can get added on your parent’s plan as an occasional driver. This streamlines the process and, you won't have to pay cancellation fees when it is time to be removed. There is no option to insure a vehicle for 24 hours unless you are renting it and purchasing the vehicle provider's protection. Dealerships do not have access to temporary policies. Therefore, even if you buy a vehicle, you will need proof of insurance to drive it off the lot.Can You Get Temporary Car Insurance?
Jul 21, 2021
Learn About Options For Temporary Insurance
What Is Temporary Or Short-Term Insurance?
Can You Get Temporary Car Insurance In Ontario?
What Does Temporary Insurance Cover?
When Do Drivers Need Temporary Insurance?
Short-Term Insurance For Six Months
How Much Is Temporary Car Insurance?
Where Can You Get Temporary Insurance In Canada?
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