Introduction to auto insurance quotes in Canada
Your auto insurance is there to protect you against financial loss if you are in an accident. Your auto insurance is, essentially, a contract between you and your insurance company. You pay a premium, and in return, the insurer agrees to pay for any losses as they are defined in your car insurance policy.
Auto insurance and the law
In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.
The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.
What does auto insurance cover?
Your auto insurance generally provides property, liability and medical coverage:
- Property coverage pays for damage or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses
Auto insurance and the law
In Canada, it is the law to have auto insurance. Your car insurance is valid anywhere in Canada and the United States. It’s a good idea to take your proof of car insurance with you whenever you drive because you must produce it if a police officer requests. If you are found driving without valid auto insurance, you can have your driver’s licence suspended and your vehicle impounded.
In Canada, each province and territory establishes their own required minimum insurance coverage. However, you often can get options that go beyond the basics. One of the nice things about insurance is that you can modify your policy to make certain that you’ve got the exact protection you require, without paying for extra insurance you may not need.
The law does not require that you get car insurance to cover physical damages to your automobile. However, if you have a newer automobile you’ll want to protect your investment and consider purchasing Collision and Comprehensive coverage.
What does auto insurance cover?
Your auto insurance generally provides property, liability and medical coverage:
- Property coverage pays for damage or theft of your car.
- Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
- Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
Introduction to travel insurance for Canadians
Your bags are packed, you’re ready to go. Months of saving and arranging have gone into your dream trip. Then it happens - every traveller’s worst nightmare - you break a leg, and you’re far, far away from home.
It’s a lot like Murphy’s Law - if something can go wrong, it will probably happen during your trip or holiday. Travel insurance products can cover you when unwelcome and unpredictable events occur.
Depending on the product, a travel insurance policy can protect you if your baggage is lost, if you become sick or injured, are forced to cancel your trip, and even if your tour operator goes bankrupt, to name but a few scenarios.
Through kanetix, you can compare free travel insurance quotes for Canadians, visitors to Canada and international students studying in Canada. We'll help you find cheap vacation insurance, snowbird insurance, seniors travel insurance, trip insurance or holiday insurance online from many of the top travel insurance companies.
Did you know that there are gaps in the coverage provided to Canadians through Provincial and Territorial Health Insurance Plans, that may leave you considerably out of pocket under certain conditions when travelling out of province but still within Canada?
Whether you’re travelling by plane, train or automobile, whether you’re travelling for pleasure or for business, - even if you’re just going over the border to the U.S. for a weekend shopping trip, or travelling out of Province for a few days - purchasing travel insurance is a smart idea.
For the travel insurance you need, there are a variety of options:
All inclusive travel insurance: This covers most of the unwelcome events that a traveler could face, with the convenience of one purchase. All inclusive travel insurance is often a good value when compared to individual specialized policies, providing not only the basics like emergency medical, but, depending on the policy, also, trip cancellation and trip interruption insurance, coverage for baggage loss or baggage delay, accidental death and dismemberment insurance and more.
Trip cancellation insurance: If the cost of your trip or vacation is more than you can afford to lose if you’re forced to cancel, or if you’ve booked an expensive trip a long time in advance, therefore increasing the odds of an unforeseen event changing your travel plans, then you should definitely consider trip cancellation insurance.
Emergency medical travel insurance: One thing you really shouldn't take a chance with, is sickness or injury while outside of Canada. In most countries, medical expenses can be extremely costly, often thousands of dollars a day. Emergency medical travel insurance can be a lifesaver in more ways than one.
Multi-trip emergency medical travel insurance: This could be your most cost effective option if you travel frequently, or think it likely that you'll make more than one trip per year. Plans range from basic to fairly comprehensive, and trips of up to 35 days are accommodated.
Canadian travel insurance options have never been better
It cannot be overstated, things can get complicated if not downright frightening when medical emergencies and hospitalizations occur without adequate insurance. The right travel insurance plan can help to prevent small misfortunes while away from becoming big ones, and bad situations from becoming catastrophic.
You can purchase basic travel insurance that will cover things like emergency medical treatment and hospital stays, but you also have the option of buying policies that include extra bells and whistles if you wish. Benefits like a companion at your bedside, vehicle and pet returns, accidental dental, change of mind, baggage delay etc., etc. The key is to pick the level of coverage that you’re comfortable with and that fits the type of trip you have planned.
If you are arranging any special excursions (i.e. mountain skiing), make sure to check the full range of benefits and exclusions within the policy you are considering.
Whether you're heading off to Mexico, Cuba, the Caribbean, Australia, India, Europe, the UK, Asia, or staying closer to home by travelling in the United States of America, we have the right travel insurance coverage for you. Senior travel is equally important to us and senior travel insurance quotes are also available.
International Travel health insurance for Students Studying in Canada
Are you a student from another country planning on studying at a school in Canada? kanetix provides online quotes for international travel health insurance for international students studying in Canada. International travel insurance quotes are available for individual students studying in Canada only.
Why should international students studying in Canada get International Travel Health Insurance?
Student travel insurance for international students studying in Canada helps protect students from unexpected costs due to accidents, health and medical emergencies while studying in Canada. Doctor bills are expensive and emergency medical and hospital care can cost thousands of dollars a day. In the event of a serious accident or a health or medical emergency, student travel insurance for international students also pays for the cost of returning you home, which can be very costly. Why risk traveling in Canada without international travel health insurance for international students when international travel health insurance for students studying in Canada can cost as little as $4.00 per day.
Who qualifies for International travel health insurance for students studying in Canada?
International travel insurance for students studying in Canada can be purchased by any international students studying in Canada who are:
- Not insured or eligible for benefits under a Canadian Government Health Insurance Plan.
- Are currently in good health.
- Are enrolled in at least 60% of the required courses for a specific program at a Canadian school, college, university or accredited educational institution.
Introduction to health insurance
Are you covered for health insurance in addition to your government health insurance plan (GHIP)? If not, health insurance and various kinds of medical insurance are available for purchase by Canadian citizens who are not covered for additional health costs under a group benefits package or employer health benefits plan.
Depending on the product, health and medical insurance plans can cover your prescription drug costs, dental bills, emergency transportation, and even extra hospital costs such as a semi-private room.
Through kanetix, you can get connected with Canadian insurers who provide individual health insurance as well as family health insurance plans. Find the affordable health care plan that you need, with quick online quotes and easy access to health coverage providers.
We'll help you compare various health plans available in Canada, find a low cost health insurance quote, get extra medical coverage, locate health insurance companies for family health insurance, individual health insurance plans, supplemental health insurance, prescription drug insurance, hospital health insurance, private hospital care insurance and dental insurance as well. We make it easy to find affordable health insurance plans and dental plan health coverage.
Health insurance quotes for Canadians are available at kanetix for the following provinces: British Columbia, Alberta, Saskatchewan, Ontario, and Nova Scotia.
Why bother with life insurance?
Getting term life insurance online is now stress free. kanetix is your number one resource to help you find cheap life insurance.
Life insurance is not something that everyone likes to discuss, let alone try to compare quotes and then buy a life insurance policy. Unlike auto insurance, term life insurance is not something you need to have by law. But if you want to provide a safe future for your relatives after you are gone, life insurance is a very good option.
Money from life insurance can give the ones who depend on your financial support an income if you die suddenly. Life insurance funds can also be used to cover any taxes and final costs due at your death.
The way term life insurance works is rather simple. First you need to pick a life insurance policy. You have a choice of two kinds of life insurance—term and permanent. Term life insurance is available for a variety of terms at a low price. Permanent life insurance provides protection for your entire life. Once you’ve taken out a life insurance policy, all you need to do is to pay your premium to your insurance company yearly. When you die, anyone you named as a beneficiary receives the payment specified on the life insurance policy. There is no better time than right now to get the life insurance you need to protect your relatives.
Introduction to motorcycle insurance
The purpose of motorcycle insurance is to protect yourself from certain financial losses that may occur as a result of owning and/or operating a motorcycle. Motorcycle insurance is a contract between the policyholder and the motorcycle insurance company, whereby the policyholder pays an agreed upon premium, and the motorcycle insurance company agrees to pay for any motorcycle-related losses that may occur as outlined in the motorcycle insurance policy.
Motorcycle insurance and the law
If you are going to drive a motorcycle, you need to purchase a basic minimum level of insurance coverage. If you are caught without it, motorcycle riders could have their license suspended and face other penalties.
What motorcycle insurance protects
Your motorcycle insurance usually protects three main areas: property damage, liability and medical coverage. Property damage pays for theft or damage to your motorbike. Liability pays for your legal responsibility to others for property damage or injuries. Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
What are some of the most popular motorcycles in Canada?
Based on the motorcycle insurance quoting activity through Kanetix.ca, the following motorcycles are some of the most popular: Suzuki, Kawasaki, Honda, Yamaha, Harley-Davidson, BMW, Buell and Ducati.
Recently, Kanetix has also begun to offer insurance quotes for the Vespa and Yamaha Vino scooter, as well as other motorized scooters. Insurance quote requests from scooter enthusiasts are increasing rapidly as many consumers are shifting towards more fuel efficient and environmentally friendly vehicles. Regardless of your make or model,Kanetix can help you find cheap motorcycle insurance.
Alberta motorcycle insurance: Popular areas for riders in Alberta
According to the motorcycle insurance quote activity at Kanetix.ca, the following cities and places in Alberta are the most popular: Calgary, Edmonton, Red Deer, Sherwood Park, Lethbridge, St. Albert, Medicine Hat, Fort McMurray, Grande Prairie, Airdrie, Spruce Grove, Okotoks, Leduc, Lloydminster, Camrose, Fort Saskatchewan, Cochrane, Brooks, Stony Plain, Canmore and Cold Lake.
However, many smaller towns like Wetaskiwin, Lacombe, High River, Strathmore and Sylvan Lake to name just a few, have their share of motorcycle enthusiasts as well.
The Alberta riders that come to Kanetix for cheap motorcycle insurance quotes typically use our free service year after year because it gives them a quick and easy way to see if they are paying a fair price or paying too much.
Ontario motorcycle insurance: Popular areas for riders in Ontario
As one would expect, the Greater Toronto Area (GTA) and Hamilton area has more motorcycle enthusiasts than any other part of Ontario or Canada for that matter. This densely populated region has many thousands of motorcycle riders in GTA cities like: Acton, Ajax, Ancaster, Aurora, Barrie, Beaverton, Bolton, Bowmanville, Bradford, Bramalea, Brampton, Brock, Brooklin, Burlington, Caledon, Clarington, Cooksville, Courtice, Dundas, Durham Region, East Gwillimbury, Etobicoke, Georgetown, Georgina, Guelph, Halton Hills, Halton Region, Keswick, King, Kitchener, Kleinburg, Malton, Maple, Markham, Meadowvale, Milton, Mississauga, Myrtle, Newcastle, Newmarket, North York, Oakville, Orangeville, Oshawa, Peel Region, Pefferlaw, Pickering, Port Perry, Richmond Hill, Scarborough, Scugog, Stoney Creek, Stouffville, Streetsville, Sutton, Thornhill, Toronto, Uxbridge, Vaughan, Whitby, Woodbridge and York Region.
Motorcycle enthusiasts from all regions of Ontario come to Kanetix.ca to compare quotes and get cheaper motorcycle insurance. Riders from other regions like the Greater Sudbury area, Thunder Bay, Ottawa, Sarnia, Fort Erie, Owen Sound, Gravenhurst, Bracebridge, Trenton, Timmins, Sarnia, Cambridge, Kingston, North Bay, Timmins, Belleville, Picton, Napanee, Kenora, Wasaga Beach, Tillsonburg, Petawawa, Stratford, Niagara-on-the-Lake, Woodstock, Niagara Falls, Port Colborne, Orangeville,Cornwall, Huntsville and Elliot Lake, all come to the Kanetixmotorcycle insurance quoter because it can save them time and money - two very important commodities nowadays.
In fact, anywhere in Ontario or Alberta where an internet connection is available, motorcycle enthusiasts can quickly and easily get an insurance quote through Kanetix.ca for a new motorbike or to make sure that the premiums they are already paying are not out of line. If their premiums are too high, an opportunity may exist to save money with a simple switch of providers.
One thing we've noticed: once a motorcycle or scooter rider tries our free motorcycle insurance comparison service, they are most likely to use it for as long as they have a motorcycle or scooter to insure. Kanetix.ca is simply the smartest way to shop for cheap motorcycle insurance.
Classic Car insurance for Ontario and Alberta
Classic Car insurance is called different things by different people. Some call it Antique auto insurance, others call it Vintage car insurance, or collector car insurance, and some just call it old car insurance. But, the purpose is essentially the same - to protect your older car or classic vehicle, as well as yourself and others from the hazards of the road and the inevitable risks that come with owning an automobile.
Classic Automobile insurance, Custom Auto Insurance, and Old Car Insurance
While the term classic car or collector car is often used to describe just about any interesting old vehicle, purists often use the terms to describe pre 1950’s vehicles, foreign or domestic, that were already luxurious and expensive in their day. At kanetix, we are not quite so particular, and we’re willing to provide insurance quotes for anything from your 1930 Ford Model A Pick-up Truck, to your 62 Ruby Red Volkswagen Beetle, and even your noisy Street Rod or Custom Car, as long as it meets a few basic requirements.
The key is: limited usage – the car cannot be your daily driver and the appraised value of the auto must be less than $150 000. For our purposes, Antique car’s and classic auto’s are aged 25 years and older, while special interest vehicles, such as hobby and collector car’s (modified, street rod and custom automobiles) are defined as 15 to 24 years old.
Classic car insurance usually takes into account your age, driving history and location, whether your car is modified in some way or a standard build, the age of the car, and the number of kilometers you drive during the year. All drivers must have 10 years minimum driving history, and you may need to have a daily vehicle insured under a separate policy. Some policies are taken on an 'agreed value basis' – meaning the company must agree with your value of the car when you take out the policy – or the insurer may offer a classic car valuation.
If you own an unusual vehicle, why not take a minute a get an insurance quote through our system. Our special vehicle and older car auto insurance quoter may be exactly the specialized tool you've been looking for.
Introduction to recreational vehicle insurance coverage
The purpose of recreational vehicle insurance is to protect yourself and your travel trailer from financial and other losses that may result in the event of an accident or other unforeseen event. A camping vehicle can be loads of fun, and over the years, they have come to be known by several different names such as: RV, travel trailer, fifth wheel, camper, camper trailer, campervan, Caravan, towable trailer (or tow-able tent trailer), recreational trailer, mobile home or motor home.
The RV has been evolving over many decades now, but unless it is parked permanently in your backyard, it clearly should be insured. Regardless of whether you call it: rv insurance, travel trailer insurance, motorhome insurance, fifth wheel insurance or camper insurance,kanetix can help you to find the least expensive rates.
RV insurance and the law
Recreational vehicle insurance (or RV insurance) is a contract between the RV policyholder and an insurance company, whereby the RV policyholder pays a set premium, and the RV insurance company agrees to pay for any related losses as outlined in the recreational vehicle insurance policy. Depending on the kind of RV in question, and where the camper is located, different kinds of RV insurance may be needed. In short, a trailer located in Alberta and used in connection with an automobile is covered for Third Party Liability and Accident benefits. Collision and/or Comprehensive coverage requires that the trailer be described on the policy at additional cost. If located in Ontario, and used in connection with an automobile, the trailer is covered for Third Party Liability, Accident benefits, Uninsured Automobile and under certain conditions Direct Compensation Property Damage (DCPD). The special conditions for DCPD are that the GVW (gross vehicle weight) is less than 4,500 KG and not designed or used for living in, to carry passengers, or for commercial purposes. Collision and/or Comprehensive and DCPD require the trailer to be described on the policy at additional cost. If the RV is not simply a camper designed for the bed of a pick-up truck, and is drive-able on its own, then the appropriate insurance can typically be obtained via your auto insurance provider.
More about recreational vehicle insurance:
Your RV insurance usually covers three main areas: damage to your own vehicle including your personal property in the unit, public liability and medical coverage. Collision and Comprehensive insurance pays for theft or damage to your RV. Liability insurance covers your legal responsibilities to others for property damage or injuries sustained. Medical insurance coverage pays for the cost of rehabilitation, treating injuries and on occasion, lost wages and funeral expenses. Make sure you fully understand the RV insurance policy that you purchase.
RV’s are hugely popular in many parts of the country:
The recreational vehicle ( motor home, travel trailer, tent trailer, pop-up trailer, holiday trailer, rec vehicle, fifth wheel, vancamper, trailer camper, or tow camper) has become hugely popular in recent years. This is largely because they are so much fun, and can provide a wonderful alternative to often expensive and exhausting standard holidays. Some RV brands have even developed an almost cult-like following, with the classic metallic silver “Airstream” being one such example. Many, many clubs and organizations have sprung up for RV enthusiasts due to their popularity.
Popular models and brands of recreational vehicles that kanetix can quote:
Recreational vehicles are manufactured by a wide variety of companies with an astonishing assortment of extras and options, all of which should be taken into consideration when insuring the RV. Some of the models and manufacturers include: the Spirit, Freedom, Liberty and Patriot models from Casita, the Arctic Fox from Northwood, the “Leisure See Ya” from Alfa, Winnebago Industries, Inc. with their Winnebago, Adventurer, Spirit, Suncruiser, Sundancer, and Sunrise models, Airstream Inc., with the Bambi, Land Yacht and Safari models, Bigfoot Industries, Inc. with their Bigfoot and Gulf Stream Coach Inc., with numerous models like: Conquest, Touring Cruiser, Prairie Schooner, Sadona, Yellowstone, Friendship, Independence, Scenic Cruiser, Sun Voyager and Tour Master. Other manufacturers that kanetix can quote include: Aerolite, Beaver, Cardinal, A Liner, Alpenlite, Alpine Coach, Boler, Carriage, Adventure, Born Free, Barth, Carri-Lite, Camplite, Bluebird, American Coach, American, Eagle, Avion, Ameri-Camp, Aristocrat, American Cruiser, American Clipper, Ameri Lite and Aljo to name just a few.
RV - Recreational vehicle insurance quotes are available at kanetix, for the following regions of Ontario: Toronto, Ottawa, Mississauga, Hamilton, Brampton, London, Markham, Vaughan, Windsor, Kitchener, Oakville, Burlington, Richmond Hill, Sudbury, Oshawa, St. Catharines, Barrie, Cambridge, Kingston, Guelph, Whitby, Thunder Bay, Chatham-Kent, Waterloo, Brantford, Ajax, Pickering, Niagara Falls, Clarington, Sault Ste. Marie, Peterborough, Lindsay, Newmarket, Sarnia, Norfolk, Bolton, Georgetown, North Bay, Milton, Welland, Belleville, Aurora, Cornwall, Haldimand, Timmins, Trenton, Keswick, St. Thomas, Woodstock, Brant, Lakeshore, Churchill, Stratford, Orillia, Fort Erie, New Alliston, LaSalle, Orangeville, Picton), Stouffville, Tecumseh, Bradford, Grimsby, Brockville, Owen Sound, Amherstburg, Lincoln, Gwillimbury, Kingsville, Clarence, Essex, Port Colborne, Huntsville, Thorold, Cobourg, Collingwood, Midland, Pelham, Bracebridge, Napanee, Kenora, Wasaga Beach, Tillsonburg, Petawawa, Niagara-on-the-Lake, Pembroke, Ingersoll, Almonte, Port Elgin, Elliot Lake, Erin, Gravenhurst, Hawkesbury and just about all of the other smaller towns and villages not mentioned here.
RV - Recreational vehicle insurance quotes at kanetix are also available for Alberta, with the following cities emerging as the most popular: Calgary, Edmonton, Red Deer, Sherwood Park, Lethbridge, St. Albert, Medicine Hat, Fort McMurray, Grande Prairie, Airdrie, Spruce Grove, Okotoks, Leduc, Lloydminster, Camrose, Fort Saskatchewan, Cochrane, Brooks, Stony Plain, Canmore, Cold Lake, Wetaskiwin, Lacombe, High River, Strathmore and Sylvan Lake. No matter if you live in an area not mentioned - you can probably still get a quote.