Notice to Intact Insurance personal auto customers:

You can save 15% on average, for three months if you are driving less due to COVID-19. Complete this online form by June 30. If you are no longer driving and have temporarily stored your vehicle, you can save on average 75% per month on auto premium. Contact 1-800-567-2048 for details.

We're open for business with most of our employees working remotely. Please continue to reach us by phone at 1-800-567-2048 or email.

Have Questions on Car Insurance? Our Edmonton Brokerage has Answers!

If you are looking to purchase car insurance in Edmonton, you probably have questions. As a dedicated independent brokerage, we are pleased to help you by supplying the information and support you need. On this page you will find answers to some of the most common questions we hear from customers. If you have other questions, our experienced staff is always here to assist you and encourages you to contact us with any concerns you may have.

Questions on Car Insurance
  • What type of car insurance is mandatory in Alberta?
    To drive legally in Alberta, you must have third-party liability, known as personal liability and property damage (PLPD) insurance, and accident benefits insurance. By law, you need to have $200,000 of PLPD although it’s common for many drivers to have higher limits of $1,000,000 or $2,000,000. Read more about these coverages and the additional options available to you.
  • What are collision and comprehensive coverages?
    These are optional coverages that many drivers choose to include. Collision covers repair and replacement costs incurred due to an accident, regardless of who was at fault.  Comprehensive covers damages outside of an accident such as theft, vandalism or weather-related events. An alternative to comprehensive coverage is specified perils, which will cover only what has been specifically named in your policy.
  • Why should I use a brokerage?
    A brokerage like HDF Insurance does work with insurance companies, but we work for you. In other words, we shop around to find you the best rates while making sure you have the exact coverage needed. We are always on the lookout for discounts and often suggest money-saving options when it comes time to renew. Learn more about the benefits of an auto insurance broker.
  • Why are car insurance rates rising?
    There are several reasons why auto insurance rates in Edmonton and throughout Alberta have been on the rise in recent years. In some instances, people that have suffered what was considered to be a “minor injury”  are now filing lawsuits and receiving larger cash settlements. Insurers are paying out much more than they had in the past. Insurance fraud and extreme weather (such as the hailstorms experienced in Calgary and north of the city) have also contributed to the rising premiums. Using a brokerage like HDF Insurance, who will compare rates, can help keep your costs down.
  • Will my rates go up if I get caught texting and driving?
    It’s important to know that distracted driving comes with three demerits, a $287 fine (as of Jan. 1, 2016) and could cause your insurance premiums to go up. You would likely lose your clean driving discount if you have one. If the infraction is rated as a major conviction by your insurance provider, your premium will automatically increase. If your policy considers distracted driving a minor conviction, you may be given a pass for the first occurrence. But keep in mind, it’s expected that all insurers will consider this a major conviction in the future.

Need a Quote for Edmonton Car Insurance?

Getting the right Edmonton car insurance has never been easier. To get us working for you, simply request a free quote by filling out our form. An experienced member of our team will get back to you in a timely fashion. We are proud to be Alberta’s leading online insurance brokerage and enjoy offering you the convenience and dedication you deserve.