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In Ontario, car insurance coverage is tied to the vehicle rather than the driver. This means that if you purchase a new vehicle, your existing insurance policy will not automatically transfer to the new car. Instead, you will need to contact your insurance company to update your policy with the new vehicle information.

Depending on the type of coverage you have, you may be able to transfer some or all of your existing coverage to the new vehicle. For example, if you have liability coverage, this will typically transfer to any vehicle you drive. However, if you have collision or comprehensive coverage, you may need to purchase additional coverage for the new vehicle.

It’s important to note that your insurance company may charge different rates for different vehicles based on factors such as the make and model, age, and safety features of the car. Therefore, the cost of your insurance coverage may change when you switch to a new vehicle.

In summary, while car insurance coverage is not automatically transferable to a new vehicle in Ontario, you can usually update your policy to cover the new car. Contact your insurance provider to discuss your options and ensure that you have the appropriate coverage for your new vehicle.

How Long Do You Have To Transfer Insurance To A New Car?


If you are planning to purchase a new car, it’s important to transfer your insurance policy as soon as possible to ensure that you have coverage in case of an accident or other incident.

The exact time frame for transferring insurance to a new car can vary depending on the insurance company and the province or state in which you live. In general, most insurance companies will allow you to transfer coverage to a new vehicle immediately after you purchase it, as long as you have the necessary information about the new car, such as the make and model, VIN (vehicle identification number), and other relevant details.

Some insurance companies may require that you provide proof of ownership or registration for the new vehicle before they will transfer coverage. Others may allow you to make the change over the phone or online without any additional documentation.

How Do I Cancel My Old Car Insurance Policy?

If you have purchased a new car or no longer need your current car insurance policy, you may need to cancel your old policy. The specific process for canceling an insurance policy can vary depending on your insurance company and the province in which you live, but here are some general steps you can follow to cancel your old car insurance policy in Canada:

  1. Contact your insurance company: The first step is to contact your insurance company and inform them that you wish to cancel your policy. You can typically do this over the phone or by email. Be sure to provide your policy number and the effective date of cancellation.
  2. Provide a reason for cancellation: Your insurance company may ask you to provide a reason for canceling your policy. Some common reasons include selling your car, purchasing a new car, or finding a better insurance rate elsewhere.
  3. Review your policy terms: Before canceling your policy, review the terms and conditions of your policy to ensure that you are not violating any contractual obligations. For example, some policies may require you to provide a certain amount of notice before canceling.
  4. Provide any necessary documentation: Your insurance company may require you to provide proof of sale or registration for your old car, or other documentation to support your reason for canceling.
  5. Confirm cancellation: Once your insurance company has processed your cancellation request, be sure to confirm that your policy has been canceled and that you will no longer be charged for coverage. You may also want to request a confirmation of cancellation in writing for your records.

How Do I Get In Contact With My Insurance Provider?

To get in contact with your insurance provider, you can try the following methods:

  1. Check your insurance policy: Your insurance policy should have contact information for your insurance provider, including phone numbers and email addresses. Look for the customer service or claims department contact information, which are usually available 24/7.
  2. Log in to your online account: If your insurance provider has an online portal for managing your policy, you can log in to your account to find contact information or to initiate a chat or email conversation with a representative.
  3. Use the provider’s mobile app: Many insurance providers have mobile apps that you can download to your smartphone or tablet. The app may have a feature for contacting customer service or filing a claim directly.
  4. Search the provider’s website: Most insurance providers have a website that contains information about their products and services, as well as contact information. Look for a “Contact Us” page or a “Support” section to find phone numbers, email addresses, or chat options.
  5. Call your agent or broker: If you purchased your insurance policy through an agent or broker, they may be able to provide assistance or connect you with the insurance provider’s customer service team.

When contacting your insurance provider, be sure to have your policy number or other identifying information readily available. This will help the representative locate your account quickly and provide more efficient service.

Should I Contact Other Insurance Providers For A Quote?


Yes, it’s generally a good idea to contact other insurance providers to get a quote when shopping for car insurance. Getting multiple quotes can help you compare coverage options, rates, and discounts from different companies, which can help you make an informed decision about the best insurance policy for your needs and budget.

When comparing insurance quotes, be sure to review the policy details carefully, including the coverage limits, deductibles, and exclusions. Also, consider any discounts that may be available, such as multi-policy discounts, safe driver discounts, or discounts for installing safety features in your vehicle.

Can I Transfer An Insurance Policy Over To A Lease?

Yes, in many cases, you can transfer an insurance policy over to a lease. However, the process for doing so may depend on the specific terms of your policy and the requirements of the leasing company.

When you lease a vehicle, the leasing company may require that you obtain specific types of coverage or certain levels of coverage to protect their investment in the vehicle. This may include liability insurance, collision coverage, and comprehensive coverage.

If you already have an existing insurance policy, you may be able to transfer it over to the leased vehicle by adding the new vehicle to your policy and adjusting your coverage limits and deductibles as needed. However, it’s important to contact your insurance provider to confirm that the coverage will apply to the leased vehicle, as some policies may not cover leased vehicles.

In addition, the leasing company may require that you provide proof of insurance before you can take possession of the leased vehicle. This may include providing a certificate of insurance or other documentation that shows that you have the required coverage.

How Do I Transfer A Lease To Another Person?


Transferring a lease to another person in Ontario typically involves several steps. Here is a general outline of the process:

  1. Check the lease agreement: Before you begin the transfer process, review your lease agreement to ensure that it allows for a transfer. Some leases may have restrictions on who can assume the lease or may require the leasing company’s approval for a transfer.
  2. Find a new lessee: You will need to find someone who is willing to assume the lease. This can be done through advertising the lease online, through word of mouth, or by using a lease transfer service.
  3. Check the creditworthiness of the new lessee: Before the transfer can be completed, the leasing company may require that the new lessee undergo a credit check to ensure that they are able to make the monthly lease payments.
  4. Initiate the transfer process: Once you have found a new lessee and they have been approved by the leasing company, you will need to initiate the transfer process. This may involve completing a transfer application, providing documentation, and paying any transfer fees.
  5. Complete the transfer: Once the transfer has been approved by the leasing company, you will need to sign the necessary paperwork to transfer the lease to the new lessee. This may involve signing a lease assumption agreement, transferring the ownership of the vehicle, and providing proof of insurance.
  6. Notify the leasing company: Once the transfer has been completed, be sure to notify the leasing company that the lease has been transferred and that you are no longer responsible for making payments or maintaining the vehicle.

About the Author: Ashley Miller

Ashley is an insurance content professional and very knowledgeable on all related subjects. Ashley has over 12 years of insurance content writing experience working with various insurance companies throughout her career.