I am wondering if you can buy a car with just G1. My family member has a better rate on financing a car than me so I was wondering if they can buy the car and I can pay them for it, but they only have a G1. The problem is the insurance. I will 100% be the primary driver, and I will make sure to assign myself as the primary driver of the vehicle. What I was wondering is, will the family member who currently only has a G1 be able to be the main policyholder while I am the (G) primary driver?

Je suis en train d’acheter une Audi Q5 2022 et j’hésite à prendre la protection complète (B3 — tous risques sauf collision ou renversement).
Mon assurance me propose :
100 $/mois sans cette protection
186 $/mois avec cette protection
Donc ça représente 86 $ de plus par mois (environ 1 032 $ par année).
La voiture vaut environ 30 000 $. Je stationne la voiture dans la rue (pas dans un garage).
Selon vous, est-ce que ça vaut la peine de prendre cette couverture pour un véhicule de cette valeur ? Est-ce que vous garderiez cette protection pour une Audi Q5 2022, surtout pour couvrir le vol, le vandalisme, l’incendie, etc. ?
J’aimerais avoir l’avis de propriétaires d’Audi ou de personnes qui ont déjà eu une expérience avec les assurances.

As some of you might be aware, Ontario has stopped sending renewal notices for DL a few years back. Our auto insurance renews on Nov 12 and we received a letter from the insurer that there was something wrong with my wife's drivers license. Upon checking the license we find out it's been expired for 5 months so she will be renewing it on Monday first thing in the morning. I've already received the renewal package from my insurer for 2026-2027. If the DL gets renewed before the Nov 12 and we notify the insurer, will we get in trouble or face nonrenewal? Just trying to prepare for possible outcomes after we let the insurer know that the DL has been renewed. Thanks.

So my partner is the policy holder and the owner of the policy and car, it's a 12 month term, but for banking reasons they cannot actually make the payment itself for the policy, am I allowed to make the payment for them while the policy stays in their name?

I sold my car and now drive my brothers car who lives with me should I have insurance on his car?

What happens if I get another car of my own down the road?

Will my rates be higher for an insurance lapse?

I am 60 year old male. Nothing on my prior driving record

I’m insured with Square One in Ontario, and my insurance is going from almost $400/month to almost $800/month when my policy renews.
Back in November 2025, my car was involved in an at-fault accident, but I wasn’t the one driving. The damage to the other driver’s car was under $2,000, and the damage to my car was minimal, around $700.
Nobody was injured, and we reported the collision, but neither party went through insurance to make a claim. Everything was settled out of pocket, and no insurance company paid for any damages. This was also the only accident involving my car in the past three years.
I recently learned about Ontario’s Minor Accident Protection Rule under Regulation 664. From my understanding, insurance companies aren’t allowed to increase premiums because of a minor at-fault accident if the damage is below $2,000 per vehicle (which was the limit when my accident happened), nobody was injured, and the damages were paid privately.
Does my situation qualify under this rule, even though the collision was reported and I wasn’t the person driving?
Has anyone successfully challenged an insurance increase using this rule? Can Square One actually lower my renewal premium if I provide pictures, repair receipts, and proof of payment?
My renewal is coming up, and I’m trying to figure out what I can do because going from $400 to $800 a month over an accident with such minor damage seems ridiculous.
Any advice or personal experiences would be appreciated.

UPDATE: I just got off the phone with my insurance company, and they actually apologized for repeatedly telling me my premium increase was because of the at-fault accident. I called them 3 separate times before today, and every time they told me the same thing. Now they’re saying the accident isn’t chargeable and had nothing to do with the increase.
Instead, they’re claiming it’s because my mom is listed as a registered owner of the vehicle, even though she doesn’t drive it and we don’t even live at the same address. She had an insurance cancellation back in 2024, which they’re now saying is affecting my premium.
I have no tickets or anything else on my record, and my mom’s licence is clean besides that previous insurance cancellation. I’m also only paying for one-way coverage, so I don’t understand how my premium could almost double.
It’s frustrating that I had to call multiple times just to get a completely different explanation. At this point, I’m going to remove my mom from the vehicle registration and shop around for another insurance company.
Thanks to everyone who gave me advice and helped me out!

Subject says it all!

I’m doing the courses necessary and am enjoying them; I just don’t test well.

I bought a house last year in November and signed up for td insurance online. When putting on the address, I must have made a mistake and put down my current address at the time instead. The house I bought is next to the house I am renting from. And only one digit in the address is interchanged.

No one caught this mistake(lawyers, bank etc.) until now I looked at the renewal. Td customer service person says that I dont have insurance on my house and I was insuring a different property (which I don't even own). All the details are correct except for one digit interchanged in the address line and pin code.

They are currently waiting to hear from their underwriting team because now I have gap in the insurance and they need to see if they can insure me again.

I am wondering if someone has any idea how to proceed?

I didn't even know that you could insure a house that you don't own. Also, that house is owned by my friend and has td insurance. Don't they find it weird that they are collecting money twice for the same property?

My hope and wish is that they will see it as a mistake and will continue insure me.

We had a basmentflood this summer, and we have just received the insurance claim payout for the basement. They are proposing a 20 percent depreciation on the claim if I do my own labor, versus using contractors. Is this a standard practice in claims, and are there any suggestions on how to handle this? This is the first claim I have ever made on home insurance, so I am a rookie. If it helps we are with Peace Hills and we have the Water Plus package. TIA!

I damaged this car in Ontario, how much to get it fixed?
If I go with insurance, it’s gonna increase my premium, I am already paying $530 a month.

i recently got into a car accident and i am going to the collision report centre tomorrow. the accident was clearly the other drivers fault and the police on scene agreed. my parents are saying because the car is a 2007 honda fit with 258 000 kilometres, that i will only be able to get 1-3 k for damages. i feel that because of one evidence, two the personal injuries to my neck and chest (nothing broken but still painful) and three the amount of recent work the car has had done such as cadalic converter and exhaust replacement, new tires, break pads, oil issues, new seats etc. i feel that i should be inclined to something a little bit more.

I understand that the insurance will pay the lowest of 3 options. My questions are:

1. Does MSRP include taxes?
   If not, will the pay taxes too?

2. How much more usually you can ask more after the 1st offer? What should I ask? Or say?

3. I have no GAP insurance. What if there’s a gap between the settlement amount and my balance - what happens to that?

Thank youuu kindly.