Provincial essentials
Start with the insurance arrangements and required cover where the vehicle is registered.
Bring the detail
Prepare province and registration details. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Damage & optional cover
Compare collision, comprehensive, deductibles, and other available options.
Bring the detail
Prepare vehicle make, model, year, and use. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Driver & vehicle use
Disclose all drivers, annual distance, commuting, business use, and modifications.
Bring the detail
Prepare drivers to declare to the provider. Explain any changes since your last insurance review and ask how the proposed terms address them.
Check the wording
Review the insured activities or property, exclusions, limits, deductibles, territory, and any conditions you must follow. Confirm who is named and when protection would start.
Details that shape the comparison
Jurisdiction and address
Use the correct province, territory, garaging and effective date.
Drivers and driving
Describe household access, distance and all vehicle uses.
Vehicle and contract terms
Bring financing, modifications, storage plans and comparable deductibles.
Record two offers in your comparison worksheet →
Look at the whole picture
Separate policies may address different risks. Ask the provider to explain any gaps or overlaps, and keep written confirmation of the answers that matter to your circumstances.
Read: What to prepare before comparing Canadian auto insurance →