Vehicle insurance
Posted date : Jan 13, 2023.
My insurance agent is telling me that I need extra coverage if I drive my car to Florida for the winter. They say that any vehicle staying in the U.S. for more than 30 days requires special coverage. Is this correct?
Brian Trenholm
Fredericton, NB
Ed.: That depends on the insurance company which you are working with. Many insurers have surcharges and time limits regarding how long your car can be in the U.S. Taking your car to the United States is considered a “material change in risk” and the insurer then has the right to deny your claim. You must tell your insurer or broker that you are going away for an extended period! This is why the CSA endorses the CSA Auto/Home insurance program that does not surcharge snowbirds for taking their Canadian vehicles to the United States for up to six months.
