Provides you with a rental car in the event you have a claim that leaves you without a vehicle to drive.

Insurance coverage sold by car rental companies can be expensive.  With this coverage, you are covered for loss or damage to rented vehicles.

This waiver helps you cover the replacement cost of your vehicle without applying the declining value of depreciation.

Accidents just happen, when they do, sometimes it is nice to get a pass. With this car insurance coverage, your rates won’t increase due to your first at-fault accident.

Provides reimbursement and call center support for emergency-related expenses in the event of a car accident or vehicle breakdown.

When making a claim you are responsible to pay your deductible, then your insurance company covers any expenses over and above that amount. The insurance deductible was created is to prevent small, unnecessary claims from being submitted. Numerous claims can drive up insurance costs, so it is often best to save your “claims” for when you really need them.

This helpful blog will shed some light on car insurance deductibles and what it means for you.

There are several discounts available to help lower your car insurance rates, some of these are listed below. You can also read this helpful blog story Car Insurance Discounts Could Save You Money.  Give us a call for a full file review to make sure you are taking advantage of these possible discounts!

• Combined Policy
• Multi-Vehicle
• Good Driving Record
• Safety Features
• Hybrid Vehicle
• Low Mileage
• Occupation
• Students
• Loyalty Discount

Typically an “at-fault” accident is chargeable for 6 years, and a conviction or ticket is chargeable for 3 years. This time period can change depending on the severity of the conviction – check with us for specific timelines.

A driver who still has a Beginners or Learner’s license does not need to be listed on a car insurance policy until they have passed their road test and obtained their full License.

As long as they have their Learner’s License they need to have an experienced operator in the vehicle with them at all times so they do not need to be listed on the policy. Once they pass their road test, and get their drivers license, they need to be added to your policy.

Please provide their full name, date of birth, and license information. If the driver is young, we may need proof of driver training.

You generally have 15 days to notify your insurer of a change. During that period, the coverage for your old vehicle automatically transfers to the new vehicle. However, most dealerships will not allow you to pick up your vehicle without providing proof of insurance.

To provide that proof of insurance, we need the bill of sale containing vehicle information (VIN, year, make, model, price), and then we would just confirm usage and drivers for the new vehicle. Most dealerships can send a form to the broker in advance of vehicle pick-up, which is very helpful! It’s always best to contact us before picking up your vehicle to avoid delays.

This will be treated as a new client policy, so all standard new policy questions apply. However, it would also be helpful to get a copy of your driving abstract and an experience letter from your previous insurer.

Your car insurance policy can usually be endorsed to include SEF27 – Liability for Damage to Unowned Vehicles.

You can add this optional coverage to your car insurance policy for a minimal fee. As long as your rental is staying within Halifax, Nova Scotia, Canada, or USA, you would be covered for any damage which may happen to the rental vehicle.

Some companies even include the coverage for free! Most policies place a dollar limit on this coverage, such as $40,000 or $50,000 per claim, so check with us for specific details to make sure you have adequate coverage.

To learn more check out our blog: What is The Best Way to Insure a Rental Car? Here we explore whether your existing car insurance policy covers rental cars, how credit card rental insurance works, and when it’s best to purchase additional rental car insurance!

While several factors determine the cost of your car insurance, here are the top three factors that insurance companies consider:

• Statistical data about the make, model, and year of your vehicle
• Where you live
• The way you drive

This blog – Advice on what determines your Car Insurance premiums – goes into more detail on this subject. Even better, contact a Bauld Advisor for a detailed policy review to ensure you are getting the best car insurance for you and your vehicle.

A major impact on today’s car insurance rates is the cost of repairs. Modern vehicles are equipped with more technology than ever – think of all the cameras and sensors built into our bumpers – which means even minor collisions can result in significant repair costs.

Distracted Driving is also a concern; primarily for the safety and well-being of our communities, and also because it is responsible for an increase in car insurance claims. Simply put: when insurers pay out more for auto repairs, your costs go up, also.

Yes, you can. If you do not plan on moving the vehicle at all, we can remove liability and collision coverage, but we recommend maintaining comprehensive coverage (fire, theft, vandalism, etc.). Also, be diligent in contacting your broker to add coverage back on in the spring.