Young drivers
Car insurance that works for you
Get great insurance without breaking the bank. If you are a young driver, you could take advantage of our exclusive group rates and an insurance premium that matches your financial reality.
Coverage for the unexpected
One day while driving, out of the blue, you lose control of your vehicle and crash into the side of a house. That’s when you’re happy to have Liability coverage on your auto insurance policy to cover the damage to the property. This protection is mandatory.
It also covers bodily injury or death of someone who is hurt in an accident. Find out what other mandatory coverages you need on your insurance policy.
If you also want coverage for damage to your vehicle, you’ll need Collision and Comprehensive. If you add these protections to your insurance policy, you’ll be “insured on both sides.”
You can also add optional coverages to meet your individual needs.
Potential savings
Under 25
You could save up to 10% on your car insurance if you are a full-time college or university student or a recent graduate under 25.1
Older vehicle
If you own a low-value older vehicle (over 10 years old), you could save by choosing mandatory coverage only.
Talk to one of our P&C insurance agents for advice on the coverage that's right for you.
Multi-Line discount
You can insure your car and apartment with us and save even more. Ask about the Multi-Line discount.
Higher deductible
You can increase your deductible (for example, from $500 to $1000) to lower your insurance premium.
Discover our auto insurance savings for even more ways to save.
Are the items inside your car covered in case of theft?
If your vehicle is stolen, any accessories (like seat covers and ski racks) are covered by your auto insurance, while items left in the vehicle (like your camera, laptop, or coat) are covered by your home insurance.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, limitations and exclusions may apply.
1. Rates and savings for full-time college or university students and recent graduates are subject to eligibility conditions and may vary by jurisdiction.
See how you can save!
Information to have on hand when getting a quote
To get an auto insurance quote, you’ll need the following information for you and any other drivers you want to insure:
- The date you want your insurance to start
- Information about all the vehicles you want to insure (year, make, model, odometer reading)
- Current auto insurance provider
- Information on driving violations for each driver(number and type)
- Information on past claims for each driver (number and type)
Information to have on hand when getting a quote
To get a home insurance quote, you'll need the following information about your property:
- Year of construction
- Type of exterior siding (brick, stone, vinyl, aluminum)
- Main heating source (electricity, gas, dual energy)
- Other heating source (fireplace, wood-burning stove, electric space heater)
- Total ground floor area
- If there is a fire station within 8 km of your home
- If there is a fire hydrant within 300 metres of your home
- Year the roofing material was last fully replaced
Information to have on hand when getting a tenant insurance quote
To get a tenant insurance quote, you'll need the following information about your unit:
General information
- The date you want your insurance to start
- Number of apartments in the building
- Type of business in the building, if applicable
- Floor you live on
- Breed of any dogs
- Amount of insurance for your belongings
- Current insurance provider, if applicable
- Security system in your unit, if applicable
Insurance history
- Number of home insurance losses in the past 7 years
- Description of the losses (location, claim, type of loss, year)
If you qualify to buy your tenant insurance online, you will also need the following information:
- Payment method (pre-authorized debit or credit card)
- Banking information depending on your payment method
Information to have on hand when getting a condo insurance quote
To get a condo insurance quote, you'll need the following information about your property:
General information
- The date you want your insurance to start
- Type of mortgage lender
- Year of construction
- Number of units in the building
- Type of business in the building, if applicable
- Floor you live on
- Breed of any dogs
- Amount of insurance for your belongings
- Current insurance provider, if applicable
- Security system in your condo unit, if applicable
Insurance history
- Number of home insurance losses in the past 7 years
- Description of the losses (location, claim, type of loss, year)
If you qualify to buy your condo insurance online, you will also need the following information:
- Name and contact information for your mortgage lender
- Payment method (pre-authorized debit or credit card)
- Banking information depending on your payment method