Truck Insurance

Yes. Insurance brokers and companies across Canada offer free insurance quotes to customers, and that includes quotes for car insurance, motorcycle insurance, truck insurance, home insurance, business insurance, pet insurance, and more.

Truck insurance can be purchased directly through an insurance agent or with help from an insurance broker. Both insurance agents and insurance brokers are licensed professionals.

It depends on where the accident occurs. In Ontario, accidents remain on driving records for an average of six years. Depending on the circumstances of the accidents - namely whether you were at fault for it or not - your rates may increase as a result. However, if you have accident forgiveness coverage included with your policy, your rates may not rise due to the accident, however there is no guarantee that your rates will not increase.

If your wallet is stolen from your truck, it is highly unlikely that your truck insurance policy will cover you. Even the most comprehensive truck insurance policies do not usually cover personal items that are stolen from your vehicle. Only permanent fixtures, like your truck’s steering wheel or a previously-installed stereo system, would be covered, if your policy features comprehensive coverage. If a personal belonging, like a wallet, laptop, or smartphone were to be stolen from your truck while it was parked at your home, it might be covered by your home insurance plan depending on your policy. It is also worth noting that while comprehensive coverage does not cover the theft of personal belongings from your truck, it will likely cover you in the event that your truck itself is stolen.

A few types of optional insurance coverage that drivers of trucks may want to consider adding to their policies include collision coverage, comprehensive coverage, accident forgiveness coverage, loss of use coverage, and roadside assistance coverage. Remember that if you drive your truck for commercial purposes as well as personal purposes, you must purchase a commercial auto insurance add-on.

Renewing a truck insurance policy is easy, especially if you are enrolled in automatic renewals. Automatic renewals are a convenient option for many policyholders. They work like this: Rather than your policy being cancelled at the end of the term, it is renewed for another term. This helps customers avoid a gap in coverage, which can lead to increased rates. If you are not signed up for automatic renewals with your insurance provider, renewing your policy is still relatively simple. Find a way to get in touch with your insurer - either by phone, online, or in person - and explain that you would like to renew your policy. They should be able to help you out quickly and easily. Before renewing your truck insurance plan, read through it to refresh your memory and double-check if it still contains adequate coverage for your needs. Renewal periods are an excellent opportunity to update your policy as needed.

Yes. You will not be able to purchase truck insurance or even register your truck with your provincial regulatory body unless you can show a copy of a valid driver’s licence. Thus, you must obtain a valid driver’s licence before purchasing insurance.

You might be. It depends on the circumstances under which you are driving your truck in another province. If you are only temporarily visiting another province, such as driving from British Columbia to Alberta for a one-week vacation, your truck insurance plan will cover you. But if you are moving to a new province, you will need to notify your insurance provider and purchase a new plan. Since insurance policies and regulations are dependent on where you live, a change of address, especially if it also involves a change of province, can impact your rates and the types of coverage you need. Failing to notify your insurance provider of a move can lead to a cancelled or voided policy.

Driving any kind of vehicle without auto insurance is a serious offence, no matter where you live in Canada. The consequences of driving a truck without a valid insurance policy may include fines worth tens of thousands of dollars, jail time, the impounding of your vehicle, and the suspension of your driver’s licence for up to a year.

If you gave your friend permission to drive your truck, they have a valid driver’s licence, and they are not listed as an excluded person on your policy, then yes, they will be covered by your insurance if they borrow your truck. Truck insurance follows the vehicle, not the driver. When you lend your vehicle, you are also lending your insurance.