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Moving to Canada: Car Insurance – How to Save Real Money!
Moving to Canada is an exciting adventure! However, there are several things to consider, especially when it comes to car insurance. We show you how to make the transition smoothly and even save money in the process. Do you need support with planning your move? Get in contact with us now!
The topic short and concise
Moving to Canada is an exciting adventure! However, there are several things to consider, especially when it comes to car insurance. We show you how to make the transition smoothly and even save money in the process. Do you need support with planning your move? Get in contact with us now!
Moving to Canada is an exciting adventure! However, there are several things to consider, especially when it comes to car insurance. We show you how to make the transition smoothly and even save money in the process. Do you need support with planning your move? Get in contact with us now!
Moving to Canada is an exciting adventure! However, there are several things to consider, especially when it comes to car insurance. We show you how to make the transition smoothly and even save money in the process. Do you need support with planning your move? Get in contact with us now!
Planning a move to Canada and want to take your car with you? Learn how to optimise your car insurance, make use of your no-claims discount, and avoid costly mistakes. Get informed now!
Relocating to Canada: Car Insurance – A Comprehensive Guide
An Overview of Car Insurance in Canada for Immigrants
Moving to Canada comes with many changes, and car insurance is a crucial aspect you shouldn't overlook. As your partner for international relocation, at GoMovin, we understand the importance of a smooth transition. Therefore, we have created this guide to assist you with car insurance in Canada. We simplify the moving process, making international relocation stress-free, efficient, and tailored to your needs.
Important Aspects and Preparations
When planning your move, consider the following points:
Cancel your German car insurance and take out a Canadian policy.
Try to transfer your no-claims bonus from Germany.
Compare offers from different insurers to find the best option for your needs.
This guide aims to help you understand the specifics of car insurance in Canada and prepare optimally.
Why This Guide is Important
This guide provides you with comprehensive assistance with car insurance in Canada. We inform you about costs, the transfer of discounts, and the specifics of the Canadian insurance market. With our relocation assistance service, we are happy to support you in planning and executing your move.
Objective and Benefits for Emigrants
Our goal is to equip you with all the necessary information to make informed decisions. We want to help you save money and avoid costly mistakes. With GoMovin, your move to Canada is as easy as possible.
German car insurance: Cancel in good time and secure benefits
Cancellation of German Car Insurance
Before you embark on your move to Canada, it's important to correctly cancel your German car insurance. Here are the key points you should consider:
Standard Cancellation and Special Termination Rights
Cancelling your German car insurance is an important step before your move to Canada. However, there are a few crucial points to ensure everything goes smoothly.
Regular Deadlines and Exceptions
The standard cancellation period is usually one month before the end of the insurance year, typically 30th November. A move abroad does not automatically grant a special termination right. It's important to know that your insurance cover ends as soon as your vehicle is deregistered in Germany. Ensure that your insurance is not just paused, but actually terminated to avoid unnecessary costs. More information about cancelling when moving to another EU country can be found on the European Consumer Centre's website.
Procedure for Moving Abroad
To correctly cancel your German car insurance, the following steps are necessary:
Steps to Correctly Cancel
Submit a written cancellation.
Ensure the insurance is not just paused, but terminated.
Request a confirmation of insurance (insurance confirmation) for Canada.
This insurance confirmation can help you prove your no-claims discount in Canada.
It's advisable to start the cancellation process early to avoid potential issues.
Car Purchase in Canada: Choosing a Brand, Costs, and Insurance
Buying a Car in Canada: What You Need to Know
If you plan to buy a car in Canada, there are some important differences from the German market that you should be aware of.
Brands and Models
When purchasing a car in Canada, there are certain peculiarities regarding brands and models to consider.
Differences from Germany
American brands are common in Canada, while European models can be more expensive to buy and maintain. It is advisable to check the availability of spare parts and maintenance costs before purchasing.
Buying Process and Costs
The purchase process and associated costs can differ from what you know in Germany.
Important Tips and Advice
Have the vehicle inspected by a mechanic before purchasing (approx. 100 CAD).
Factor in a 15% tax on the purchase price (even for used cars).
A thorough inspection can help you avoid unexpected repair costs.
Insurance Immediately After Purchase
Securing insurance immediately after buying a car is essential.
Necessity and Proof
Take out a car insurance policy immediately after purchase. A letter from your German insurer may possibly qualify you for discounts. It is important to understand the different usage categories (private, commuting, business) for insurance.
Remember, in British Columbia, insurance is only available through ICBC. For more information on automobiles in Canada, visit the relevant expatriate portals.
Make the most of your no-claims discount: How to successfully transfer it to Canada
No-claims discount: Transfer to Canada
One of the most important aspects of car insurance in Canada is the transfer of your no-claims discount. Here’s how you can proceed:
Recognition of German discounts in Canada
The recognition of your German discounts in Canada is not a given, but there are ways to improve your chances.
Opportunities and challenges
Canadian insurers are not legally obliged to recognise German discounts. However, it’s worth attempting the transfer.
Insurance certificate as proof
An insurance certificate from your German insurer can serve as proof and increase your chances of recognition.
How to improve your chances
Request an insurance certificate from your German insurer and present it to Canadian insurers. Some insurers may recognise your claims-free driving period and offer you a corresponding discount.
It's advisable to obtain multiple quotes and compare the terms of different insurers.
Car Insurance in Canada: Regional Differences and Driving Licence
Canadian Car Insurance: Features and Differences
Car insurance in Canada differs in some ways from German insurance. It is important to know these differences to make the right decision.
Usage Categories and Rates
The usage categories and associated rates have a direct impact on your insurance premium.
Impact on Insurance Premium
There is a distinction between private use, commuting, and business use. Depending on how you use your vehicle, insurance premiums vary.
Regional Differences
Insurance conditions may vary depending on the province.
Example: British Columbia
In British Columbia, insurance is exclusively available through the ICBC. This is a significant difference from other provinces where you can choose from various insurance providers.
Vehicle Registration and Driving Licence
There are also deadlines and requirements to consider for vehicle registration and driving licences.
Deadlines and Requirements
Apply for your Canadian driving licence within 90 days of your arrival. In British Columbia, a direct transfer of the German driving licence (Class B) to a Canadian driving licence (Class 5) is possible. In Alberta, you need a German and an international driving licence as well as an extract from the Federal Motor Transport Authority.
Be aware that traffic violations in Canada are often penalized more severely than in Germany.
Vehicle export and import: How to ensure a smooth registration process
Vehicle Export and Import: What Needs to be Considered?
If you want to export and import your vehicle to Canada, there are some important points to consider to ensure a smooth re-registration.
Vehicle Re-registration and Deadlines
The vehicle re-registration is an important step that must be completed within certain deadlines.
Regulations and Consequences
Your vehicle must be re-registered within six months, with shorter deadlines possible. Failure to comply may result in penalties. Therefore, it is advisable to take care of the re-registration early.
Certificate of Conformity (COC)
The Certificate of Conformity is an important document for registering your vehicle.
Importance for Registration
A COC from the manufacturer is required for vehicle registration. This document confirms that your vehicle complies with European standards.
Leased Vehicles
For leased vehicles, there are specific restrictions and peculiarities to consider.
Restrictions and Peculiarities
Lease agreements may restrict the use of the vehicle outside the EU. Clarify this with your leasing company before your move to Canada.
Our logistics service is happy to assist you with any questions regarding vehicle transport and customs clearance.
Additional Insurance: Protection against theft, damage, and legal disputes
Additional Insurance and Coverage
In addition to compulsory car insurance, there are other insurances and coverages that you should consider in Canada.
Additional Insurance
Additional insurance offers you optional protection in various situations.
Optional Coverage
There are additional coverages for theft, damage, or legal protection. These can offer you extra protection, especially if you live in a higher risk area.
Green Card
The Green Card serves as proof of your liability insurance.
Proof of Liability Insurance
A Green Card is advisable as proof of liability insurance in partner countries. Although Canada is not a partner country in the strict sense, the Green Card can still serve as additional proof.
Vehicle Check Before Moving
A thorough vehicle check before moving is crucial to avoid unexpected problems.
Recommendations and Documentation
A thorough vehicle check before the move is crucial. Documenting the check can assist with later insurance claims. Have your vehicle inspected by a professional to ensure it is in perfect condition.
For more information on the legal aspects of exporting a car, see here.
Traffic regulations in Canada: Fines often higher than in Germany
Traffic Regulations and Fines in Canada
It is important to familiarise yourself with Canadian traffic regulations, as they may differ from those in Germany.
Comparison to Germany
A comparison of the traffic regulations highlights significant differences.
Key Differences
Traffic offences in Canada are often penalised more severely than in Germany. Make sure you are informed about the applicable rules and regulations to avoid fines and other consequences.
For more information on Canadian traffic rules, visit the websites of the respective province.
Safe and insured in Canada: Checklist for your move
Conclusion: Well prepared to move to Canada
A move to Canada requires careful planning, especially with regard to car insurance. However, with the right preparation, you can ensure that you are well insured and protected.
Summary of key points
Here is a checklist to help you prepare:
Checklist for car insurance
Cancel your German car insurance in good time.
Request a confirmation of insurance for the no-claims discount.
Compare offers from Canadian insurers.
Have your vehicle inspected before purchasing it in Canada.
Apply for your Canadian driving licence within the deadline.
Outlook
With GoMovin you can be safe and insured on the road in Canada. We support you at all stages of your move, from planning to execution.
Safe and insured on the road in Canada
At GoMovin, we want to make your move to Canada as pleasant as possible. With our experience and comprehensive service, we are your ideal partner.
Are you ready for your move to Canada? Contact us today for personal advice and a non-binding offer. We are happy to assist you! Contact us.
Further useful links
Europäisches Verbraucherzentrum offers information on cancelling insurance policies when moving to another EU country.
FAQ
What documents do I need to provide in Canada to prove my No Claims Discount?
You need an official confirmation of insurance from your German car insurance provider. This should confirm your claim-free years and current discount. Present this confirmation to Canadian insurers to potentially get recognition. GoMovin recommends requesting this confirmation early.
How long can I drive in Canada with my German driving licence?
In most Canadian provinces, you can drive with your German licence for a limited period, usually 90 days after your arrival. After this, a Canadian driving licence is required. Check the specific regulations in your province. GoMovin supports you in applying for a Canadian driving licence.
What happens if I don't register my car in Canada within the specified time frame?
If you do not register your vehicle within the designated period (usually six months), you risk fines and penalties. Additionally, your insurance coverage may lapse. Therefore, it is advisable to take care of the registration process early. GoMovin offers assistance with vehicle registration and customs clearance.
Does every Canadian insurer recognise my German No Claims Discount?
No, Canadian insurers are not legally obliged to recognise German No Claims Discounts. However, it is worth enquiring with different insurers and presenting the insurance confirmation. Some insurers are more flexible than others. GoMovin helps you find the best offers.
What usage categories exist in car insurance in Canada, and how do they affect the premium?
There are different usage categories, such as private use, commuting to work, and business use. Depending on how you use your vehicle, insurance premiums vary. Correct classification is important to ensure you are covered in the event of a claim. GoMovin advises you on choosing the right usage category.
What is a Certificate of Conformity (COC), and why do I need it?
A Certificate of Conformity (COC) is a document that confirms your vehicle meets European standards. It is required for vehicle registration in Canada, especially if you import a European vehicle. GoMovin assists you in obtaining the COC.
Is car insurance mandatory in Canada?
Yes, in Canada, liability insurance is legally required. Without this insurance, you are not allowed to drive a vehicle. It is advisable to also take out comprehensive insurance to cover damage to your own vehicle. GoMovin helps you find suitable insurance.
What should I consider if I want to take a leased vehicle to Canada?
Leasing agreements may restrict the use of the vehicle outside the EU. Clarify this with your leasing company before moving to Canada. In many cases, taking a leased vehicle is not possible. GoMovin advises you on alternatives and supports you in organising a vehicle in Canada.
