When you are new to a country, learning the rules of the road can be difficult. Speed limits, signs and even the language that you speak can be different. When this is the case, it is important to make sure that you are doing everything legally. Insurance is not something that you want to mess around with. You need to make sure that you have the proper coverage to be able to drive. You must have at least the minimum amount of coverage in the province you are moving to. Not having the minimum required coverage can result in fines, tickets, and even a license suspension.

Does Car Insurance Cost More For International Students?

international students

Insurance may cost more for you if you are an international student. However, it might not be a whole lot more than the average Canadian. The amount you will pay depends on how much driving experience you have, the car you are driving, your record as well as your age. Just because you are an international student doesn’t mean that you will pay more for insurance. However, if you have a lack of experience in Canada and lack a full Canadian license, you are likely going to have to pay more for your premiums.

What Do You Need To Legally Drive in Canada As An International Student?

To legally drive in Canada as an international student, you need to make sure that you have a license. You either need to have an international driver’s permit or a Canadian driver’s license. On top of that, you are also going to need an insurance policy.

What Kind Of Coverage Is Included In An International Insurance Plan?

Most international insurance plans cover injuries and accidents. Your healthcare and any illnesses that you get while living in Canada should be covered. You will also be covered for almost all hospital services, mental health services, and rehabilitation services. The more you look into your policy, the more comfortable you should be. It is important to realize that most of these things will have monetary limits on them. If you want some more peace of mind when you are traveling, you will likely be allowed to raise these limits.

Do You Need Travel Insurance As An International Student?

travel insurance

It certainly doesn’t hurt to get travel insurance when you come to Canada. Whenever you travel to Canada, you should always inform your insurance company. Some companies will not provide you with insurance in Canada for the price you are currently paying. You don’t want to get into an accident only to find out that you are not fully covered to drive in Canada. Talking with your insurance company before you go is always your best bet. It also doesn’t hurt to look into things like healthcare insurance coverage for traveling to Canada. Unfortunately, Canada’s free healthcare doesn’t extend to everyone.

How Much Is International Student Insurance?

There isn’t really a specific number we can give that will be an accurate estimate of your insurance premium. It really depends on the location you are moving to, your driving record and your age. The worse your record, the younger you are, the more expensive your vehicle is, and the more crowded the area, the more you can expect your insurance to cost. It is best to get a quote from a car insurance provider to get a better idea as to what your costs will be.

How Do You Get A Driver’s License As An International Student?

In order to get a Canadian driver’s license, you need to pass the graduated licensing system. Another option that you have is picking up an international driver’s permit. In order to get one of these permits, you have to apply for one before you leave your home country. Once you do, you will no longer be allowed to get one of these permits. You must have a license in your home country in order to be issued one of these permits. An international permit lasts for a period of up to one year.

How Long Are Insurance Plans Available For, For International Students?

There are a variety of different lengths of time you can have an insurance policy for. It is common in Canada to have a 6-month insurance policy. This could be the type you might want to go for as an international student as it will last you about one semester. This is especially a good idea if you are new to a program and are unsure if you are going to stick with it or not. Keep in mind, if you go for a year-long policy, you will be paying a lower insurance premium. However, you need to actually be in Canada to take advantage of this.

Can I Use My Home Country’s Driver’s License?

drivers license

Yes, you can use your home country’s drivers license. However, you can only use this license to drive for 60-90 days. After this period is up, you will no longer be allowed to drive using that license. You must either have a Canadian License or an International Driver’s license if you wish to drive for more than this time frame. If you have two or more years of driving experience in your home country, you can exchange your license for a Canadian license.

To Conclude

Picking up the right insurance as an international student is important. You want to make sure that you have the right coverage for a reasonable price tag. You shouldn’t be paying a fortune more for insurance than Canadian driver’s on the road. It is best to call a few insurance companies to try to get lower insurance premiums. If you plan to get an international driver’s permit, just remember you do have to get that before you come to Canada. Insurance is not something that you should leave to the last possible minute. Make sure you carefully look at your policy and talk to your insurance company if you have any questions or concerns. Then, you should be safe to enjoy your studies.

Resources:

https://www.rbcinsurance.com/insuranceneeds/car-insurance-for-your-student.html
http://www.cic.gc.ca/english/newcomers/after-transportation-driving.asp
http://canadianimmigrant.ca/guides/moving-to-canada/what-youll-need-to-drive-in-canada
https://ourinsurancecanada.com/international-students-insurance/