The availability of the option to pause or suspend car insurance varies by province in Canada. Here’s a summary of some of the provinces:

• British Columbia: Pausing or suspending car insurance is not an option in British Columbia, and you’ll be required to continue paying your insurance premium, even if you’re not using your vehicle.
• Alberta: In Alberta, it may be possible to temporarily cancel your car insurance if you’re not using your vehicle for an extended period of time, such as going on vacation or storing your vehicle during the winter months. You’ll need to check with your insurance provider to see if they offer this option.
• Saskatchewan: In Saskatchewan, you may be able to temporarily cancel your car insurance if you’re not using your vehicle for an extended period of time. You’ll need to check with your insurance provider to see if they offer this option.
• Manitoba: In Manitoba, it may be possible to temporarily cancel your car insurance if you’re not using your vehicle for an extended period of time, such as going on vacation or storing your vehicle during the winter months. You’ll need to check with your insurance provider to see if they offer this option.
• Ontario: In Ontario, you can suspend your car insurance coverage if you won’t be using your vehicle for an extended period of time, such as going on vacation or storing your vehicle during the winter months. Suspending your insurance can lower your premium, but it’s important to note that suspended insurance does not cover you for any losses or damages that may occur during that time period.
• Quebec: In Quebec, pausing or suspending car insurance is not an option, and you’ll be required to continue paying your insurance premium, even if you’re not using your vehicle.

It’s important to keep in mind that the availability of the option to pause or suspend car insurance can vary by insurance provider within each province, so it’s best to check with your specific insurance provider for their policies.

FAQs

Here are some frequently asked questions and answers about pausing or suspending car insurance:

What happens if I pause or suspend my car insurance policy?

• When you pause or suspend your car insurance policy, your coverage will be temporarily stopped, and you will not be able to drive your vehicle. However, you may still be responsible for paying any outstanding premiums or fees related to your policy.

Will pausing or suspending my car insurance policy affect my insurance rate when I resume coverage?

• It may depend on the insurance company and the reason for pausing or suspending your coverage. If you pause your coverage due to a temporary change in driving circumstances, such as if you’re not driving for an extended period, it may not affect your insurance rate. However, if you pause or suspend your coverage due to non-payment of premiums, it may result in higher insurance rates when you resume coverage.

How do I pause or suspend my car insurance policy?

• You can typically pause or suspend your car insurance policy by contacting your insurance provider and explaining your situation. Your insurance provider will then advise you on the steps you need to take and provide you with any necessary forms to complete.

What is meant by pausing or suspending car insurance?

• Pausing or suspending car insurance refers to temporarily stopping or interrupting the coverage for a certain period of time. During this period, the policyholder will not be covered for any accidents or incidents that may occur.

Can I pause or suspend my insurance if I am not driving my car?

• Yes, if you are not driving your car, you may be eligible to pause or suspend your insurance. However, this will depend on the specific terms and conditions of your policy, as well as the laws in your province.

Will I still have to pay my insurance premium if I pause or suspend my insurance?

• It will depend on the specific terms and conditions of your policy. In some cases, you may still have to pay a portion of your premium during the pause or suspension period, while in others, you may not have to pay anything at all.

How do I resume my insurance coverage after a pause or suspension?

• To resume your insurance coverage after a pause or suspension, you will need to contact your insurance company and let them know that you want to restart your coverage. You may need to provide them with proof of your driving record and other relevant information, and you may also need to pay a fee to resume your coverage.

What happens if I have an accident during the pause or suspension period?

• If you have an accident during the pause or suspension period, you will not be covered by your insurance policy. This means that you will be responsible for paying any costs or damages that result from the accident.