Nearest broker: Searching for a broker nearby…
Nearest broker: 2607 Ellwood Dr SW, Edmonton, AB, T6X 0P7 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 10325 Bonaventure Dr SE, Calgary, AB, T2J 7E4 Phone: 403-695-1050 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 103-5020 Lac St Anne Trail S, Onoway, AB, T0E 1V0 Phone: 780-967-2282 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 9901 103 St, Fort Saskatchewan, AB, T8L 2C8 Phone: 780-998-0881 , Edson, AB, T7E 1T6 Phone: 780-440-0075 16612 109 Ave NW, Edmonton, AB, T5P 1C2 Phone: 780-486-4488 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 264 Midpark Way SE, Calgary, AB, T2X 1J6 Phone: 403-251-2926 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 4632 70 St NW, Calgary, AB, T3B 2K6 Phone: 403-247-6435 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

What Is the All-Comers Rule?

Auto Insurance

By Anne Valentino | September 25, 2017

The all-comers rule means that in Alberta no one can be denied car insurance. In 2003 the Insurance Act instituted this clause that has come to be known as the “all-comers rule.” Now this is not to say that there aren’t extenuating circumstances under which someone may be denied insurance coverage. In order to give you a better understanding of this here’s a quick introduction on Alberta car insurance.

What Exactly is Basic Coverage?

The Insurance Act maintains that everyone in Alberta must be given basic coverage. So what is basic coverage? It isthird party liability and accident benefits. If you’re involved in an accident which injures someone else or damages someone’s property you will be covered for third party liability. As far as accident benefits regardless of who is at fault you a passenger or even a pedestrian will be covered should there be a medical issue or even death.

Why Might I be Denied This Basic Coverage?

While the rule states that all who seek car insurance must receive it and that you are required to have and are lawfully entitled to this type of auto insurance coverage there are one or two instances where an applicant can be denied basic coverage. One if you do not pay for the policy then you will have your policy cancelled. Also if there is an outstanding balance that you have with your insurance company or a previous insurer your current or a new insurance company can turn down your request to write a new car insurance policy. Two if you lie about who will be driving the vehicle the insurer can cancel the policy.  If an insurer does decline to give you basic coverage they must clearly state why and it must be in line with current legislation. You can find more reasons why you might be denied coverage or have your policy voidedhere.

Because of the All-Comers rule nearly everyone in Alberta is entitled to basic insurance coverages. If you would like to find out more about this legislation or about why an insurer may have turned your request down we strongly suggest youtalk to an insurance broker.

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