Changes to Basic insurance premiums

Starting September 1, 2019, we're moving to a system that is more driver-based. That means driving experience and crash history will play a bigger role in determining your Basic insurance premium.

What will determine your premiums?

Under the new model, Basic insurance premiums will be determined by a number of factors that fall under these two categories:

The driver

There are two key factors in this category: the driving experience and crash history of all the people who drive your car.

We'll also ask that you list the people who you know may use your car.

Find out more


The vehicle

This focuses on where you live (your territory) and how you use your vehicle (your rate class).

There are also new discounts for low-mileage drivers and those with advanced safety technology.

Find out more