Your claim record and the cost of insurance

The biggest factor in the cost of your insurance is your claim record. The longer you go without an at-fault crash, the lower your premium will be.

How a crash can affect your premium

Our claim-rated scale shows how driving claim-free vs. having an at-fault crash may affect your premium.

For each year of driving without an at-fault claim, you move down the claim-rated scale and your costs go down. You can get up to 43 per cent off your Basic Autoplan premium if you're at level –9 on the claim-rated scale. Generally, this means you have gone the equivalent of nine years without having a chargeable claim on your policy. (Optional coverage savings could be even greater.)

But each time you cause a crash, you move up the scale and have to pay more.

Estimate your position on the claim-rated scale (PDF) » 

Learn more about the claim-rated scale »

If you're in a crash

If you're at fault and the claim doesn't involve a lot of money, you may want to "repay your claim" to protect your discount. 

Caution: Trying to settle a claim independently with another motorist is not recommended. You could breach your coverage and be personally responsible for any claims.