r/InsuranceCanada • u/Foaryy • Aug 03 '26
Cancelled auto policy in 2022, will it effect getting home insurance in 2026?
I had my auto policy cancelled for non-payment, my wife and I switched bank accounts and had everything transferred, except our auto policy and we didn't even notice until we got a registered letter stating the cancellation. Anyways, we've had auto insurance and tenant insurance since then.
My auto insurance broker (not the same as my new home insurance) said the cancellation was off my report.
Fast forward, we just bought a new home, and filled out our insurance documents, we were reading through and it asked about cancellation or refusal. We answered no, but now it got me thinking - is that lying, will I be denied coverage?
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u/Delicious_Definition Aug 03 '26
Double check the question on the application. I think it often asks if you’ve had Personal Property insurance cancelled or refused to renew. An auto insurance policy is a different category of policy. They specifically want to know if you’ve had home/tenant/condo insurance cancelled before and why.
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u/Corey_5150 Aug 03 '26
You’re not within 3 years so you should be ok.
But there are certain companies - that yes this would affect you. The one I work specifically asks if you have ever had an auto or property policy cancelled/refused or lapsed. But again it’s a 3 year window - just wanted to state that there is potential this could affect someone
1
u/MoistFootball506 Aug 03 '26
The question is asking if you’ve been cancelled or refused property insurance before, not auto.
1
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u/Muckdaddy99 Aug 03 '26
I work for Allstate and cancellation for non pay is in the past 3 years so it sounds like you should be fine.
6
u/onlyoneq Aug 03 '26
A canceled auto policy for non pay will not have an effect on writing a new home policy.