Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Summer Road Trips and Your Insurance

Auto Insurance

By Samantha Lemna | June 3, 2019

Who doesn’t love a summer adventure? Whether you’re escaping for a weekend to a new city or heading out for a big camping trip hitting the highway just has that magical feeling. What could your insurance possibly have to do with a weekend of junk food fights over who controls the music random pit stops and silly car games? Well your road trip affects the vehicle you take and the home you leave behind. You’ll also want to prepare just in case something happens to disrupt your plans while you’re traveling.

Road Trips and Car Insurance

If you’re taking your own vehicle it will be your car insurance that matters. You can let others drive but know that it will be your insurance that is impacted if something happens. Make sure that anyone who lives in the same house as you or regularly drives your car is be added to your policy as a named insured.

If your road trip is taking you to the US make sure you check in with your broker or insurance company. You may have limits to the length of time you can travel in the US with coverage and some insurers require notification before you cross the border. Some impose a surcharge due to the increased risk and expenses of driving in the US.

A big road trip is also a good time to review your insurance coverage. Here are a few add-ons you may want to consider:

  • Emergency Service Expenses (SEF25) – This provides coverage for towing and emergency service expenses if your vehicle is undrivable.
  • Legal Liability for Damage to Non-Owned Automobiles (SEF27) – extends your car insurance to include coverage for rental cars and other vehicles you may drive.
  • Loss of Use (SEF20) – provides the use of a rental car or reimburses you for public transportation or taxi up to a certain amount if your vehicle is damaged in a covered loss such as an accident.

Road Trips and Home Insurance

Most insurers require someone to check on your home every 48 – 72 hours . If you fail to do so your home insurance policy could be void . The visit is necessary to catch any damage early on and can also help discourage criminals who often target “empty��? homes.

Travel Insurance for Road Trips

Did you know that provincial health care often doesn’t offer much coverage once you leave the province? This is especially true if you’re road tripping to the United States where medical costs can be astronomical and coverage is even more limited.

Travel medical insuranceis essential if you plan on leaving your home province for your road trip. It will cover the costs of any emergency medical treatment if you get sick or injured. While no one wants to end up at the doctor’s office or worse the hospital while on vacation it does happen.

The other elements of travel insurance are trip cancellation and trip interruption. This helps reimburse you in the event your vacation needs to be cancelled or you hit snags along the way. For example let’s say you booked all of your accommodation and activities for a road trip to Vancouver. Let’s say you lost your job before going and now you can’t afford it. Or you’re en route to Vancouver but severe weather closes the highways. Travel insurance could help you get reimbursed for what you booked and for accommodation you got while the roads were closed.

Talk to your brokerabout your coverage options when it comes to car and travel insurance. They’ll also be able to inform you what is required by your insurance company when it comes to notification and home check-ins. Have fun and stay safe on the roads this summer!

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download

Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.