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Summer is the perfect season to hit the road and set off on an adventure. Whether you’re planning a getaway to the Gaspé Peninsula, a few days in Ontario, or a trip to the United States, a little preparation can make all the difference.
Before packing your bags and setting your GPS, it’s a good idea to check that your auto insurance provides the coverage you need throughout your trip.
Here are a few things to consider before you set off.
Is your auto insurance valid outside of Quebec?
Good news: your auto insurance generally covers you anywhere in Canada. If you plan to cross provincial borders, your coverage usually remains in effect according to the terms of your policy.
For a trip to the United States, most Quebec auto insurance policies also provide coverage. However, the requirements and costs associated with accidents differ from those here. It is therefore advisable to confirm with your broker that your coverage is adequate for your destination. Similarly, if you plan an extended stay outside Quebec, it is recommended that you inform your insurer or broker, again to confirm that your coverage is adequate for your destination.
Are you transporting everything that matters?
Vacations often mean more luggage, bicycles, kayaks, camping gear, or other valuable equipment. Many people automatically assume that everything in their vehicle is covered by their auto insurance.
However, this is not always the case. In many situations, certain coverages under your home insurance policy may apply to stolen or damaged personal property. However, terms and limits vary from one policy to another. Checking before you leave can help avoid unpleasant surprises.
Are you renting a car during your vacation?
Whether at your destination or for an impromptu getaway, renting a vehicle often raises several questions.
Before automatically accepting the coverage offered at the rental counter, it may be helpful to check what your auto insurance already covers. Some optional coverage may cover damage to a rental vehicle, while certain credit cards also offer specific protection.
Since every situation is different, taking a few minutes to check before your trip can sometimes save you from unnecessary costs.
Roadside Assistance: A Detail That Makes All the Difference
A dead battery, a flat tire, or a mechanical breakdown can quickly turn a beautiful vacation day into a real headache.
If you have roadside assistance, take a few moments to check the included services, the coverage area, and the contact information to save in your phone. When you find yourself on the side of an unfamiliar road, having quick access to help is often very reassuring.
An accident far from home: what to do?
No one wants to be in an accident while on vacation, but it’s better to know what to do before the situation arises.
In the event of an accident:
- First, ensure the safety of the occupants;
- Contact emergency services if necessary;
- Collect information from the other drivers involved; ideally, fill out an accident report on the spot with the other driver, even for a minor fender-bender.
- Take photos of the scene and the damage;
- Notify your insurer or broker as soon as possible.
Keeping this information on your phone or in your glove compartment can save you valuable time.
A few checks before hitting the road
Before you leave, take a few minutes to:
- Check the validity of your driver’s license;
- Confirm that your vehicle registration is up to date;
- Make sure you have proof of insurance with you;
- Check the condition of your tires and brakes;
Keep your broker’s and roadside assistance provider’s contact information handy.
These simple precautions help make your trip more enjoyable and safer.
Hit the road with peace of mind
Vacations are meant for discovering new places, creating memories, and making the most of summer. A quick review of your insurance coverage before you leave can save you a lot of trouble along the way.
Do you have questions about your auto insurance, a trip to the United States, or renting a vehicle? The brokers at Assurances Groupe Vézina are here to help you hit the road with confidence. Because the right insurance means a more worry-free vacation.
