The Canadian automobile insurance

The law: not to buy car insurance can transfer (Register) but not for car license plate (number plate), non auto insurance on illegal. English: Liability, third security is guaranteed with Loss and Damage, called Full Coverage, premium English is Premium, the premium tax. The insurance company called Insurer, says Insured. Ontario insured provisions of law, all owners must buy the vehicle the following 4 basic insurance, referred to as the Three Guarantees, each of the insurance companies must provide, each insured must buy

Third party liability insurance (THIRD PARTY LIABILITY): all car owners to buy at least two hundred thousand yuan third must be for the insurance of medical expenses and compensation, by traffic accident in third vehicles or any financial. Most people will buy 1000000 or 2000000 coverage, few insurance companies to provide 200000 of the insurance, the default of 100 Wan Jiayuan, the highest can be increased to $5000000. insurance company is the first party, the insured is second party outside the contract, all third party called the THIRD PARTY. (Lan Feng wrote

Accident benefits (ACCIDENT BENEFIT): protection scope is: 1, the driver of the injured or killed; 2, the passengers injury or death; 3, part of the after your permission use your car people injured or killed; 4, is your car pedestrian injuries or damage. If the insured person because of the accident and lost the ability to work, can apply for the original salary 80% allowance, allowance for each week $400 or can buy higher compensation (premium will increase).

No insurance vehicle (UNINSURED AUTOMOBILE): the protection of the insured is not to buy insurance or a hit and run driver hurt, and even lead to death and get compensation. Such as auto and financial your due to unidentified or no insurance negligence on the part of the driver suffered losses, can get compensation.

Direct compensation of property damage (DIRECT COMPENSATION OF PROPERTY DAMAGE): this insurance and the insured automobile car finance because the other driver's fault and damage can directly get your own insurance company.

The FULL COVERAGE is equal to third plus their insurance (LOSS AND DAMAGE) in addition to the above provisions of the government "third guarantees" Liability, plus the collision insurance (Collision) and comprehensive insurance (Comprehensive), referred to as the full insurance, English name is FULL

Collision insurance (COLLISION AND UPSET) because the insured's negligence caused the crash and rollover, compensation for the loss of vehicle insured itself, he has no wrong, will not affect their future premium, but also non deductible.

Comprehensive insurance (Comprehensive) means of car crashes and other reasons in addition to outside to his car loss compensation, such as: fire, lightning, theft, vandalism, storms and hail, riots, stranding, smoked, and animal... Calculation of the influence of the amount of compensation. And the premium with C1. Collision and Comprehensive the two part of the insured person must pay Deductible (excess). Deductible high premiums low, generally different excess premium per month is ten yuan to dozens of yuan, is the guest take over the bottom bottom fees, fees repair it paid by the insurance company. Deductible is generally $300 to 2000 Canadian dollars, some dealers have requirements for Deductible, such as HONDA require the rent after the first buy (LEASE) or (FINANCE) the installment car Deductible does not allow more than 1000 yuan, as it relates to increase the buyers payment burden.

Family security (Family Protection & Endorsement) such as accidents and obtain legal compensation, but the other owners of the insurance is not sufficient to death and compensation for damage or loss, the insurance will be able to fill the shortfall, but the maximum limit for family coverage beyond the other third total amount.

Car insurance (LOSS OF USE ENDORSEMENT) insured damage car accident to repair, during the insured can rent a car. This insurance is not only including car rental, can also include a taxi or public transportation costs. The annual premium will increase about dozens of yuan.

Depreciation insurance (LIMITED WAIVER OF DEPRECIATION ENDORSEMENT) only just can buy this car. It guarantees that the new car in the next two years, if because of the accident and the whole car do damage or theft of the vehicle, the insurance company will compensate to the price of a new car for you. If you do not buy, you will only get the depreciation price compensation.

All perils includes the collision, overturned all the insurance. The insurance company will compensate you for any car by the loss

Supplement: because of different coverage, the ratio third pay 30% ~ 40%. in general insurance contract for one year, from the date of signing for 365 days, such as May 21, 2005 morning 12:01 effective policy, to 2006 May 21st morning 12:01 cut-off, guaranteed for 12 months. If you are afraid of losing the car, can only buy three Liability theft (Theft Protection and Fire). More than a few tens of dollars a year. They are not at fault accidents, next year do not rise premium. He has the responsibility of the accident (At fault), the next annual rise premium, accident records will be retained for six years, major accidents, incidents, 100% the responsibility or 50% responsibility accidents are counted as an accident. The police to Traffic ticket (traffic ticket) affect the premium, ticket records are retained for three years, from the court date. A parking ticket for not "non police traffic ticket". explained above is for reference only, please refer to the original English insurance companies shall prevail. (Lan Feng article)

The premium by the following factors: 1. Gender, age under 25 years of age, the younger the premium is higher, and higher in boys than in girls and many. (the good understanding, love racing mostly young people): 25 ~ 35 years old male and female premium prices, 35 to 50 years old, slightly lower prices, over 50 years old with low premiums. The 2 North American age longer, some insurance companies have been held by G1, the G card and G1 to obtain up to more than five years, without any accident records can be very good insurance allowance. The spouse of the G1 driver's license does not affect other premium. In addition to American and Canada, other countries are not the insurance company has been recognized in canada. Novice G2 premium than the G brand premium low, G2 holds more than 8 months to get the G brand, with additional premium discount. 3. Marital status: 25 years old of the following single premium is high, more than three years of cohabitation and marriage, can reduce the premium. 25 years of age marital status does not affect the premium. 4. Address: for example in Toronto DOWNTOWN premium will be higher than SCARBOROUGH. (this good understanding, if you live in the Arctic, the annual 100 yuan will be holding you.) 5. Model, year, 4 door, 2 door, discharge capacity. 2 than 4 expensive, if under the age of 25, 2 will be much more expensive. Relatively speaking, the price expensive premium is high, the most critical is the safety performance of the car. The car's color does not affect the premium.

6 car use: reading, work, leisure, commercial use, including leisure (PLEASURE) premium minimum.

7. There is no general certificate (Driver training), a general certificate equivalent to three years of driving experience, generally have more than 10% discount, the new premium can be as high as 30% discount. But more than 25 years of age, have the extremely individual insurance company does not recognize the General Certificate

8 there is no accident, there are no tickets recording, live in the same address marital, family members or cohabitation, who hold a valid driver's license, must notify the insurance company, that is to say in the same address family, any one accident record and ticket will affect the insurance premium of others.

9 have insured car more than two, or the purchase of housing insurance or life insurance can get extra discount.

The 10 school year for distance, driving mileage of premium.

11. 25 years old the following, FULL TIME if the student's grade point average more than 70 points have discount (B above results). Why so? Because of the good students rarely racing)

12. Had no insurance claim records records, etc.. At present China insurance company accident free proof of insurance company approved by the. But Hongkong and Taiwan insurance record by some company recognized.

The 13.65 year old retired allowance

14 there is no anti-theft system, the vehicle without modification, there is no damage etc..

15 Choose third and full insurance, the premium of different. The general is 30 ~ 40%.. After buying insurance, the corresponding information change above must notify the insurance company. 　　

The cars and the necessary documents

Licence Issuing Office Ontario license, change of address, driving records, payment location. 　

Note: this Chinese reference network or some English article, perhaps understanding error, for reference only, please refer to the insurance company English the original provisions.

　

The common problem of FAQ:

1. Q: in the G1 driver's license can buy a car to buy insurance?

Answer: in the car must have the license, G1 will be able to buy a car and registered owner, has proved (OWNERSHIP). But only a small number of companies to provide G1 with the car insurance, generally G2 card is the minimum requirement. Recent immigrants landing within 60 days after Chinese license can rent a car, drive, but not the driver's license can not buy a car. America or other Canadian provinces licence must also be changed into Ontario driver's license can be a transfer, registration. Pay attention to change as the former must copy of positive and negative record.

2. Q: I need my Chinese license in where?

Answer: the 2006 rules change, must provide Chinese official certification of the traffic management department. The details please consult the Department of transportation or professional driving school coach.

3. Q: buy insurance, I provide China insurance company accident free proved to have effect?

Answer: because the insurance company is a joint-stock or Private Companies, or other properties of the company, in addition to no accident insurance certificate recognized American and other Canadian provinces. China insurance accident free proved no role in Ontario, but Hongkong Taiwan South Korea insurance record is Canada a few insurance companies approved, accident without experience above countries are Canada a few insurance companies recognized as Canada more than 4 years, but the driving school training, the certificate can be recognized three years driving experience. (usually called the three star * * *)

4. Q: I in overseas for many years, my driver's license can be directly replaced the Ontario driver's license?

Answer: only USA, driver's license, Austria, Japan, South Korea, Germany and Switzerland can be a direct replacement for the Ontario driver's license. But only American driving and accident free driving experience is the insurance companies that, other countries driving experience local insurance companies are not recognized. If you have more than 6 years of age (in North America and Canada USA), no accidents, no ticket, can get the best car insurance. But the need to issue the insurance company letter and local transportation departments driving record.

5. Q: no car insurance license? No car insurance can I transfer?

Answer: purchase a car in Canada, the law no car insurance can not buy car license plate and the road law, offenders may be fined up to $20000 yuan. So buying second-hand car to go before the transfer requires not only the safety inspection showed that the SAFETY and EMISSION TEST exhaust inspection certificate, vehicle insurance essential. No car insurance can transfer (register), leave the car at home, then go to buy insurance to more than three, the final License (NUMBER PLATE).

6. Whether the G card than the G2 insurance cheaper?

Answer: most people think that G card insurance cheaper, the actual situation is: for the novice G2 insurance G cards than cheap, because G2 novice to drive carefully, there are many companies to G2 novice 10% insurance discount, get the G2 card after eight months to take G card, also can get 10% discount to the automobile insurance. Only in North America for more than 1 years of driving experience, G car insurance will be cheaper. Example: if buy 2003 HONDA ACCORD four door sedan, if three and 230 yuan, because it is new to G2, preferential 10%, $207/ month, eight months after the examination of the G brand, have a 10% discount, 186 yuan / month, if after landing test directly to the G card, 230 yuan / month, second years there is no discount, so G2 premium but much cheaper. So hold G2 for more than a year to test the G license, insurance will be cheaper. Driver's license has a duration of five years, so G2 five years to get back in to get the G card, or driver's license will fail, from the G1 to the test. Before driving experience altogether, some insurance companies from the zero count. If the G card need to look for a job, do not have to consider the insurance factor, can consider a G card

Question 7: my friend drove me out of the car accident, his full responsibility for the consequences, how?

Answer: first of all, the insurance company will compensate the other party into the party, your insurance company will have accident record your (Accident), your next year premium increases, accident records retained for 6 years. Your friends have accident records, also keep record of 6 years, of his present or future buy car insurance auto insurance is of great impact. Automobile insurance cost you both will be very high, that is to say, to accident responsibility your friends you take six years, if you yourself again accident, there are 2 accident after recording a great economic loss is not good, so in Canada don't borrow the car to a friend.

Question 8: my wife had an accident records, I can not her name on the insurance? Inquiry can not tell other insurance companies, my wife had an accident?

Answer: for the couples and cohabiting for three years or more, whoever comes out of the accident, both influence each other's premium. Some people say that my wife back home, or separated, or don't, these did not work. Had the guests own accident record, let his girlfriend to buy insurance, but the car after the accident, the insurance company refused to claim, and return to the previous premium, other companies have also refused to insurance, reason is to conceal the facts. Some insurance companies need to guarantee: that is to say that without a spouse's car accident, influence can be deducted.

Question 9: I heard that some people can apply for special cheap car insurance, but they need my personal information, whether I can trust them?

Answer: if someone (non insurance) take control of your personal information, such as name, driver's license number, address, postcode, birthday, telephone, he can replace you get car insurance, can also notify the insurance company to suspend your auto insurance, so do not disclose personal information to others (insurance brokers or exception the insurance company itself). In addition, if for auto insurance, in the process of forgery or fraudulent behavior, the future insurance company can be denied insurance, accident and no compensation shall be investigated for legal responsibility. I have met several friends in similar situations, in order to get the cheapest car insurance, was found to have falsified documents, the insured to the insurance company, now without any insurance company accept them, unable to drive, the victim is not shallow.

10 Why address effects of premium? Someone told me his address to the town, the premium can be a lot cheaper, right?

For example: if you live in Alaska or the Arctic, X /1 100 yuan every year someone to protect you. Live in DOWNTOWN, more cars, more people, narrow roads, the accident probability, so the premium is high. For the automobile insurance to address illegal, a major accident in future, the insurance company will send detective investigation, investigation of whether the guest lives there. You can reject the claim and the prosecution of the guests. The Toronto RICHMOND HILL, MARKHAM, MISSISSAUGA, the premium is relatively inexpensive.DOWNTOWN certain area and Western York (near York University) the premium is a little bit expensive

11 I can buy a month or temporary car insurance?

Answer: because for auto insurance, need to do a lot of work, insurance brokers or agents spend a lot of time and energy to serve the guests. If the guest for a few days or give up dozens of days, it will waste their time and insurance company, so no insurance company will provide short-term insurance, at least half a year or one year contract, frequent default terminate the insurance contract will affect your insurance records, because insurance company insurance shared. Although the company to provide short-term insurance for three months, but the price is expensive.

12 what is the excess (DEDUCTIBLE), a much more appropriate?

Collision insurance (Collision) and (Comprehesive) the comprehensive insurance for the insured negligence cause accidents, compensation for loss of the insured vehicle, but the insured to pay Deductible bottom. If there is no excess, then dozens Yuan, one hundred or two hundred yuan to repair and come to the insurance company, the insurance company will be overwhelmed. The higher the Deductible premium is low, generally different bottom fees, premium per month is ten yuan to dozens of yuan, is more than the bottom fee is paid by the insurance company, the insured bear excess following repair. Deductible is generally $300 to 2000 Canadian dollars, some car manufacturers have requirements for Deductible, such as HONDA LEASE Deductible car is not more than 1000 yuan, the third party liability insurance is not less than $1000000, as it relates to increase the user's payment burden. generally set Collision to 1000 yuan, Comprehesive is set to 500. I personally suggest that Collision and Comprehesive bottom fees were set to 1000 and 500 yuan. Example: if the Collision excess is $500 yuan, if you accidentally reversing crack up door, your car needs 1200 yuan to repair, if the report to the insurance company, he will only $700 yuan, and will affect your next 6 annual premium prices (in the premium does not rise), and accident records 6 years, within a few years, you will pay for the $700 element, so the $1200 repair you not submitted to the insurance company, since $1200 are willing to own, as the base fee is set to more than $1000. The other out after the accident, the private good.

13 I have a speeding traffic ticket (TRAFFIC TICKET), affect my insurance?

Answer: there are ticket must go to court, to destroy, tickets affect the premiums, valid for 3 years. Some insurance companies will be exempted the first non severe TICKET, but 2 TICKETS certain influence premium, or premium than to have an accident more expensive. There are many ticket, insurance companies will be declined. A ticket system is not the same ticket, is of benefit to your future point, because the points to reach 9 points, will be required to see an officer

Question 14: how do I know that I have a ticket (Traffic tickets), how do I know if my ticket is destroyed?

You can go to any department of transportation to print a driving record (DRIVER 'S ABSTRACT =3 YEARS) DRIVER' S RECORD, $12. Department of transportation charges:

Http://www.mto.gov.on.ca/english/dandv/issoff.htm

Office: Driver and Vehicle Licence labeled with Issuing Offices, is for auto transfer place, also can to some large MALL inside the machine to print

Http://www.mto.gov.on.ca/english/kiosk/locations.htm

Question 15: what type to buy the car, my premium will be?

According to the Chinese to buy most of the cars, good safety car insurance premium cheap. For example, all MINIVAN premiums are lower. Mid size car premium medium, small entry-level car premium, 2 door coupe premium.4 wheel drive car insurance premium is moderate

Common premium car: Chevrolet CAVALIER, Ford FORUS, NISSAN SANTRA, Pontiac beside SUNFIRE, dodge NEON, SX 2, Suzuki waiting for the bus

A slightly higher: CIVIC, COROLLA, Korean cars, such as ELANTRA, ACCENT, KIA, and some German cars, such as PASSAT, JETTA etc.

Moderate four-wheel drive car, such as CR-V, RAV4, slightly cheaper price midsize saloon: Toyota Honda CAMRY, ACCORD, LUMINA Ford Chevrolet MALIBU, TAURUS, INTREPID, Chrysler, SEBRING, NISSAN ALTIMA

Low premium: the Dodge CARAVAN, the Chevrolet VENTURE, Honda Toyota ODYSSEY, SIENNA, WINDSTAR Ford, Pontiac MOTENA

The new car more higher value premium higher. Due to the new year, the insurance company pays the premium HISTEP, will be high. Generally speaking the same car old year premium cheap, about $3~$5 yuan / month

Such as the 2000 TOYOTA CAMRY premium is $180 yuan, in 1995 than in 2000 CAMRY since 5 years old, $4X5=$20, premium around on $160 (this figure is not accurate, for reference only). The same year the same type of car, 6 cylinder 4 cylinder is a little expensive

16 hear false insurance, what needs attention?

False insurance generally have:

1). True false guarantee slip: the insurance company name real, policy is a forgery. Safety paper really false, information, or false guarantee slip color laser printer.

2) it's true personal information, insurance companies, insurance real, but get low, use illegal means to participate in the sham group, the provision of false information.

3) true false personal information, such as the change of address, Toronto premium expensive, change of address to the town almost half the price.

A. insurance companies rarely receive annual premium, is generally installment (An Yue), up to two months of premium. For example: if someone quoted price 120 yuan / month, one-time charge of 12 months of premium ($1440), be careful. There have been a few friends because covet is cheap, get false guarantee slip. If large companies such as RBC bank charge a premium for 1 years will not be a problem, but also check the receiving party must be the company name, not personal.

The B. requires you to change the address, for example, to the town.

C. when signing a contract, you can ask to see a BROKER or AGENT LICENSE. (insurance license)

If D. is called a single, you must contact me, don't let other people in your absence generation call you.