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Auto insurance renewal: 8 questions to ask yourself

Published on April 18, 2022


Did you know that the Groupement des assureurs automobiles (GAA) and the Insurance Bureau of Canada (IBC) recommend that you take the time to update your information, make sure that the coverage is still tailored to your needs and the premium is right, before you renew your auto insurance? L’Unique General Insurance has gathered all the questions you should be asking yourself when you receive your auto insurance renewal notice.

1. Do you have a new job or employer? Are you retired?

Notify your insurance broker if you have changed jobs within the same company or if you have a new employer. The job you currently hold, your employer and the distance covered to get to work are taken into account to determine your insurance premium.

If you’re retired, you will likely be using your vehicle less often. It’s therefore to your benefit to reassess your auto insurance needs!

2. Did you or one of the drivers of the vehicle move?

There's so much to do and think about when moving! Did you think of notifying your broker of your new address?

You didn’t move, but one of your children studies abroad? Even if your child returns on weekends or during holidays, the address where he or she uses the vehicle is the one that should appear on the auto insurance contract.

3. Has the vehicle use changed?

Your premium may be adjusted if your car's annual mileage changes. Here are examples of the changes that would justify a call to your broker :

- Using public transport or carpooling to get to work
- Using your vehicle for professional means or for Uber fares
- Renting your car through a car sharing service (like Turo)
- Driving your car outside of Quebec

4. Is the vehicle being driven by new people or have others stopped driving the vehicle?

Do your children or spouse drive the vehicle sparingly or have stopped driving it altogether? Changes in usage frequency of all drivers should be reported to your broker so that everyone is adequately covered.

5. Has one of the drivers of the vehicle been found guilty of committing a traffic violation or had their licence suspended?

You must notify your broker.

6. Was any equipment added or removed?

Notify your broker if you had any equipment increasing its market value installed or removed.

7. Do you intend to put your vehicle in storage or put it back on the road?

Notify your insurance broker beforehand so they can adjust your vehicle coverages and premium based on the situation.

8. Have you changed the frequency in which you rent vehicles on a short-term basis?

Ask your broker if adding Q.E.F. No. 27 (Civil liability resulting from damage to non-owned automobiles) is right for you. In many cases, adding this endorsement is more cost-efficient than paying insurance fees required by car rental companies.


Your insurance broker is there to help you prevent losses. Feel free to contact him or her!