“pleasure insurance for car” isn’t a standard term in the insurance industry. However, the term “pleasure” is commonly used when designating the primary use of a vehicle during the insurance application process.

Here’s a brief breakdown:

1. Primary Use Designations: When you’re insuring a vehicle, the insurance company will often ask for the primary use of that vehicle. Common options include:
   • Commuting: Used for driving to and from work or school.
   • Business: Used for work-related tasks other than commuting, such as sales calls or deliveries.
   • Pleasure: Used for personal tasks not related to work or school, like running errands, going to the grocery store, or leisurely drives. This type of usage typically has fewer annual miles associated with it and may come with lower insurance premiums since the vehicle is on the road less often and is considered at a lower risk for accidents.
2. Specialty or Classic Car Insurance: Sometimes, people have cars that are used purely for leisurely drives, are of a certain age, or hold a certain value, and may be categorized under specialty or classic car insurance. These cars might be driven infrequently, for example, only on weekends or to car shows. Their insurance coverage may differ from that of a typical daily driver.

What is the difference between pleasure car insurance and commute car insurance?

1. Pleasure Car Insurance:
   • Definition: Insurance for vehicles that are primarily used for personal, non-commute activities. This can include going to the grocery store, visiting friends or family, or leisurely drives.
   • Risk Profile: Generally, vehicles used for pleasure tend to be on the road less frequently than those used for commuting, which can translate to a lower risk of accidents. Consequently, the insurance premiums for pleasure use may be lower than for commute use.
   • Mileage: Typically, cars insured for pleasure use have lower annual mileage, which can further reduce the premium.
2. Commute Car Insurance:
   • Definition: Insurance for vehicles that are primarily used to commute to and from work or school.
   • Risk Profile: Commuting often means driving during peak traffic times, which can increase the risk of accidents. This can result in higher insurance premiums compared to vehicles used only for pleasure.
   • Mileage: Commuter cars generally have higher annual mileage compared to pleasure-only vehicles, which can influence the cost of insurance.

When applying for auto insurance or updating an existing policy, it’s crucial to accurately report the primary use of the vehicle. Misrepresenting how you use your car (e.g., saying you use it for pleasure when it’s actually used for commuting) can result in denied claims or even policy cancellations if the discrepancy is discovered.

Note: Different insurance companies might have slightly varying definitions or additional categories for vehicle usage, such as “business use.” It’s always a good idea to discuss your specific situation and needs with your insurer or an insurance agent.

Pleasure vs commute car insurance cost in Canada

Sure, here are some examples of annual and monthly car insurance costs for pleasure car insurance and commute car insurance in Canada, by province and major city, based on an example driver profile of a 35-year-old married male with a clean driving record, driving a 2018 Toyota Camry:

1. Ontario:

• Pleasure car insurance: $1,100 per year ($92 per month)
• Commute car insurance: $1,450 per year ($121 per month)

Major cities:

• Toronto
  • Pleasure car insurance: $1,300 per year ($108 per month)
  • Commute car insurance: $1,750 per year ($146 per month)
• Ottawa
  • Pleasure car insurance: $950 per year ($79 per month)
  • Commute car insurance: $1,300 per year ($108 per month)
• Mississauga
  • Pleasure car insurance: $1,250 per year ($104 per month)
  • Commute car insurance: $1,600 per year ($133 per month)
• Brampton
  • Pleasure car insurance: $1,400 per year ($117 per month)
  • Commute car insurance: $1,800 per year ($150 per month)
• Hamilton
  • Pleasure car insurance: $1,100 per year ($92 per month)
  • Commute car insurance: $1,500 per year ($125 per month)

2. Quebec:

• Pleasure car insurance: $750 per year ($62 per month)
• Commute car insurance: $950 per year ($79 per month)

Major cities:

• Montreal
  • Pleasure car insurance: $900 per year ($75 per month)
  • Commute car insurance: $1,150 per year ($96 per month)
• Quebec City
  • Pleasure car insurance: $650 per year ($54 per month)
  • Commute car insurance: $900 per year ($75 per month)
• Laval
  • Pleasure car insurance: $800 per year ($67 per month)
  • Commute car insurance: $1,050 per year ($88 per month)
• Gatineau
  • Pleasure car insurance: $750 per year ($62 per month)
  • Commute car insurance: $1,000 per year ($83 per month)
• Longueuil
  • Pleasure car insurance: $850 per year ($71 per month)
  • Commute car insurance: $1,100 per year ($92 per month)

3. Alberta:

• Pleasure car insurance: $1,200 per year ($100 per month)
• Commute car insurance: $1,450 per year ($121 per month)

Major cities:

• Calgary
  • Pleasure car insurance: $1,350 per year ($113 per month)
  • Commute car insurance: $1,650 per year ($138 per month)
• Edmonton
  • Pleasure car insurance: $1,200 per year ($100 per month)
  • Commute car insurance: $1,500 per year ($125 per month)
• Red Deer
  • Pleasure car insurance: $1,000 per year ($83 per month)
  • Commute car insurance: $1,300 per year ($108 per month)
• Lethbridge
  • Pleasure car insurance: $900 per year ($75 per month)
  • Commute car insurance: $1,150 per year ($96 per month)
• Medicine Hat
  • Pleasure car insurance: $800 per year ($67 per month)
  • Commute car insurance: $1,050 per year ($88 per month)

It’s important to note that these are just examples, and actual car insurance costs can vary depending on a variety of factors, including the driver’s age, driving record, the make and model of the car, and the insurance company. It’s always a good idea to shop around and compare quotes from multiple insurance companies to find the best coverage and rates for your individual needs.

What kind of coverage is included in pleasure car insurance?

Here are some common types of coverages that might be included in a pleasure car insurance policy:

1. Third-Party Liability: This is a mandatory coverage in Canada. It protects you if you’re responsible for injuring someone or damaging someone else’s property with your vehicle.
2. Collision: Covers the cost to repair or replace your vehicle if it’s damaged in a collision.
3. Comprehensive: Covers damage to your car from events other than collisions, such as theft, vandalism, fire, or certain natural disasters.
4. Accident Benefits/Bodily Injury: Offers benefits like medical expenses, rehabilitation, funeral expenses, and loss of income due to disability. The specifics of this coverage can vary significantly between provinces because some provinces have government-run insurance systems that provide these benefits, while in others they’re provided by private insurers.
5. Uninsured/Underinsured Motorist: Protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover the damage they caused.
6. Direct Compensation-Property Damage (DC-PD): Available in certain provinces, this coverage pays for damage to your vehicle and any property inside the vehicle as a result of an auto accident that was not entirely your fault. The other driver must be identified, and that driver must be insured by an insurance company that is a signatory to the Direct Compensation Agreement.
7. Endorsements or Riders: These are additional coverages or changes to standard coverages that you can add to your policy. Examples include coverage for rental cars, the removal of the deductible in certain situations, and coverage for specific high-value items inside the vehicle.

It’s essential to understand that not all these coverages are mandatory. Only third-party liability is legally required across Canada, but the minimum required amount can vary between provinces and territories. Other coverages are optional but can provide significant protection in various scenarios.

FAQs

Q1: What does “pleasure use” mean in car insurance terms?

A1: “Pleasure use” refers to the use of a vehicle for personal, non-work-related activities, such as weekend drives, vacations, or running errands. It does not include commuting to work or using the vehicle for business purposes.

Q2: Is pleasure car insurance cheaper than insurance for commuting or business use?

A2: Typically, yes. Insurance for a vehicle used solely for pleasure tends to be less expensive than for a vehicle used for daily commuting or business, as the assumed risk and frequency of use are generally lower.

Q3: If I occasionally drive my pleasure-use car to work, am I still covered?

A3: It depends on your policy. Occasional commutes might be allowed under a pleasure use policy, but regularly using the car for work without informing your insurer could void your coverage. It’s essential to discuss your driving habits with your insurance provider to ensure you have the right coverage.

Q4: Can I add additional coverages to my pleasure car insurance policy?

A4: Yes, you can typically add endorsements or riders to your policy for things like rental car coverage, roadside assistance, or specific high-value items inside the vehicle.

Q5: How is the premium for pleasure car insurance determined?

A5: Several factors determine your premium, including the type, make, and model of the vehicle, your driving record, where you live, the coverage limits you choose, and the deductible amount.

Q6: Are there discounts available for pleasure car insurance?

A6: Yes, many insurance providers offer discounts for factors like multi-vehicle policies, being a safe driver, installing anti-theft devices, or even for being a long-term policyholder.

Q7: What happens if I lend my car to a friend? Is he/she covered under my pleasure car insurance?

A7: Generally, if someone else drives your car with your permission, they would be covered under your policy. However, the specifics can vary by policy, so it’s essential to check with your insurance provider.

Q8: Do I need to inform my insurer if I modify or upgrade my pleasure-use car?

A8: Yes, any modifications or upgrades could affect the value of the car or its risk profile. Failing to inform your insurer of changes might result in a claim being denied or reduced.

Q9: How does a claim work if I’m at fault in an accident with my pleasure-use car?

A9: If you’re at fault, your third-party liability coverage would cover damages or injuries to the other party up to your policy’s limit. Any damages to your vehicle would be covered if you have collision coverage, minus the deductible.

Q10: How often should I review my pleasure car insurance policy?

A10: It’s a good practice to review your policy annually or whenever there are significant changes in your life, such as a move, a new driver in the household, or after purchasing a new vehicle.

Q11: Is there a difference in premiums between classic or antique cars used for pleasure versus regular cars?

A11: Yes, classic or antique cars often qualify for specialized classic car insurance, which typically has different premium structures than standard auto insurance. Premiums might be lower since classic cars are often driven less frequently and are generally well-maintained. However, their value and replacement parts might be higher, which can influence premium rates.

Q12: If I store my pleasure-use car for the winter, can I pause or reduce my insurance?

A12: Many insurers offer a reduced rate for cars that are stored and not driven during certain months. This is often referred to as “storage insurance.” It’s essential to ensure the vehicle remains insured against non-driving related risks like theft, fire, or other damages.

Q13: Does pleasure car insurance cover international travel, like driving to the United States?

A13: Most Canadian auto insurance policies do provide coverage for occasional travel in the United States. However, if you plan to stay for an extended period or drive frequently in the U.S., it’s wise to notify your insurer and confirm the extent of your coverage.

Q14: How do speeding tickets or other driving infractions affect my pleasure car insurance premium?

A14: Speeding tickets and other driving infractions can increase your insurance premiums. The impact on your rates can vary based on the severity of the infraction and your overall driving record.

Q15: Can I get pleasure car insurance if I have a learner’s permit?

A15: Yes, but individuals with a learner’s permit typically need to be added to an existing car insurance policy, often of a parent or guardian. The rates might be higher given the inexperience of the learner driver.

Q16: Does pleasure car insurance cover personal items stolen from my vehicle?

A16: Generally, personal items stolen from your vehicle are not covered under your auto insurance policy. Instead, they might be covered under your home or renters insurance, subject to the terms and deductibles of that policy.

Q17: If my pleasure-use car is totaled, how is its value determined?

A17: Insurers typically use one of two methods: “Actual Cash Value” (ACV), which is the car’s market value minus depreciation, or “Agreed Value,” especially for classic or antique cars, where the insurer and policyholder agree on the vehicle’s value when the policy is written.

Q18: What’s the difference between pleasure car insurance and occasional driver insurance?

A18: Pleasure car insurance refers to the primary use of the vehicle. In contrast, “occasional driver” refers to someone who doesn’t drive the car regularly, like a teenager who only drives the family car on weekends. An occasional driver can be added to a pleasure car insurance policy, potentially affecting the premium.

Always remember that individual policies and insurers may have different terms, coverages, and conditions. It’s crucial to read your policy documents carefully and discuss any questions or concerns with your insurance agent or broker.