Understanding Auto Insurance

​​​​​Auto insurance is required by law across Canada. It covers the owner/driver, passengers, pedestrians and property involved in a vehicle collision. ​

Driving a vehicle is a basic necessity for many Canadians. But once you are behind the wheel, the chance of something going wrong is very real. As a driver, the lives and property of your passengers, fellow drivers and pedestrians are in your hands.  

Whether you’re just learning, commute every weekday or enjoy Sunday drives in your classic car, it’s important to understand how auto insurance works.  

Auto Insurance In Your Province

By law, insurance is required for motor vehicles intended to be operated. Know what insurance is necessary and what's optional.

Buying Auto Insurance

Know how insurance premiums are calculated, where to turn for insurance if you are a higher-risk driver and what additional auto insurance coverage is available.

Graduated Licensing

To become fully licensed, new drivers must pass all stages of the graduated licensing program.


Stolen, flooded or collision-damaged vehicles carry a permanent record – known as a brand – that's linked to its vehicle identification number (VIN). 

Insurance Crime

Insurance Crime​

File a police report, submit a tip or make an anonymous call to 1-877-IBC-TIPS (422-8477). The line operates 24 hours a day, seven days a week.

Is your vehicle among the top-10 stolen cars?

Risk Management

Risk Management

From driving​​ while distracted to lending your car to a family member or friend, know and manage your liability risks. 

 Crisis Management

Crisis Management

Stay calm and write everything down. Never admit liability if you have been in a collision.

 Emergency Preparedness

Emergency Preparedness

Disaster can strike at any time. An emergency kit in your vehicle can keep you comfortable and even save your life.

 Insurance 101

Insurance 101

Life comes with risk.Thankfully, insurance can give you peace of mind.