Here at Specialty Life we specialize in life insurance for individuals over the age of 50, with plans offering eligibility up to age 85. Our relationship with leading Canadian insurers provides access to a wide range of no medical insurance policies including Guaranteed Issue. With easy underwriting you can be covered in a matter of days. Apply for a quote and discover your options.
Car insurance premiums are calculated based on a number of factors that determine the risk of you getting into an accident, and how likely it is that you'll make a claim. These risk factors include your driving and accident history, as well as statistical information such as your age, location and number of years driving. The amount and distance you drive, the type of car you own and whether you live in an urban or rural setting can also affect your premiums.
Some employers will offer their employees savings or discounts to employees on their car insurance if you go through them, similar to professional associations and their members. The same tips apply for this as with associations: ask the organization how the insurance benefits work, and make sure to still shop around in case you can find a better deal elsewhere.
Another important aspect of buying car insurance at a rental location – it probably has much lower insurance limits than your personal car insurance. Let’s say, if you have $2,000,000 liability on your personal policy, an insurance policy purchased in a rental location might only have the minimum required by law – and that’s just $200,000 in Ontario.
ERS insurance provides you with roadside assistance in the event of a breakdown or mishap while you're out driving. It also covers the cost of getting your car back on the road. Those costs may include light mechanical labour, an oil or gas delivery, new batteries, a boost, tire changes, locksmith services, or even a tow. With help on the way, ERS takes the stress out of a breakdown.

Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.
If your driving licence originates from a country that has an agreement with Canada and can be converted into a Canadian licence, there is also the question of how long you can drive with your out-of-country driving licence before you have to convert it, and these times vary by province. Here are examples from Ontario, Alberta, and British Columbia:
Keep in mind that the minimum car insurance coverage required is determined by the Government of Ontario and may vary in comparison to Alberta, New Brunswick, Newfoundland/Labrador, Nova Scotia, Prince Edward Island, and Quebec. In addition, premiums can vary depending on the area in which you reside, typically being higher in major urban centres, such as Toronto.
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