Alberta insurance in another province

[bizaro86]

Originally Posted by Ducay

Just call your insurance company and ask, that way you know for sure.

I would call twice, to make sure you get the same answer. Either that or get the answer in writing (email/mail). A year later when you don't remember the customer service reps name a "but she said..." argument won't hold much weight.

Regards,

Michael

[Crazy Bacon Legs]

Originally Posted by wooohooo

What if you're from BC and studying in Alberta but your insurance is under your parents? Is that okay or does that fall under that 3-6 month grace period?

There are blanket exemptions in most jurisdictions for full time students when it comes to driver's licenses and insurance.

From Service Alberta's web site:

If you are staying in Alberta as a full time student and attending an accredited institution or you are working here as part of a co-op program of study, you may use your valid registration and licence plates from your home jurisdiction. You must also have valid insurance on the vehicle and the registration must contain your name (either exclusively or jointly with another individual(s)). You should also carry proof (letter) from the accredited institution verifying your full time student status for presentation to a law enforcement officer should it be required.

http://www.servicealberta.gov.ab.ca/572.cfm

Hope that helps.

[WilsonFourTwo]

Originally Posted by Doctordestiny

They did and didn't like the answer they got. I'm trying to save them some grief.

It's starting to sound like the original post should say

"I asked an obviously silly question, didn't get the answer that benefits me, and now want suggestions on how to scam cheaper insurance."

Maybe I'm reading this post wrong, but if you have already called and asked, why even create the topic?

[FlamesKickAss]

Originally Posted by WilsonFourTwo

It's starting to sound like the original post should say

"I asked an obviously silly question, didn't get the answer that benefits me, and now want suggestions on how to scam cheaper insurance."

Maybe I'm reading this post wrong, but if you have already called and asked, why even create the topic?

Pretty much they way it reads now is, my friend had a claim with current company and they are gave me a claims forgivness and I know I will lose this if I go to a new province as I need to get a claims experience letter from my current company and the province will find out about the claim at that time.

[Antithesis]

Originally Posted by WilsonFourTwo

It's starting to sound like the original post should say

"I asked an obviously silly question, didn't get the answer that benefits me, and now want suggestions on how to scam cheaper insurance."

Maybe I'm reading this post wrong, but if you have already called and asked, why even create the topic?

Later on the poster clarified that they were asking on behalf of a family member of theirs that they are concerned for (unless you are saying that you don't believe that to be the case, which is a different matter entirely)

[Sidney Crosby's Hat]

I wonder, what if you still have a place of residence in Alberta but don't live there?

I went to Manitoba for 3 years but I still had a home in Alberta and that was where I kept my registration that whole time. It was actually cheaper in Alberta than Manitoba if you can believe it.

And I also wonder what if you constantly spent 6 months in one province and 6 in another? (Someone with a winter home in Palm Springs as an example)

[HOOT]

Originally Posted by Sidney Crosby's Hat

I wonder, what if you still have a place of residence in Alberta but don't live there?

I went to Manitoba for 3 years but I still had a home in Alberta and that was where I kept my registration that whole time. It was actually cheaper in Alberta than Manitoba if you can believe it.

And I also wonder what if you constantly spent 6 months in one province and 6 in another? (Someone with a winter home in Palm Springs as an example)

In BC you have to pay the premiums of where the vehicle will be used most of the time. So in your case (if you had ICBC) you would have to be rated for what they call "Z territory" meaning you are outside of BC and they charge you as such. It's really expensive. Same would happen with the 6 months in BC, 6 months somewhere else. You would have to switch it every time you left and came back. In saying that Alberta could be completely different.

[DownhillGoat]

Originally Posted by Sidney Crosby's Hat

I wonder, what if you still have a place of residence in Alberta but don't live there?

In Alberta it goes by primary residence. And you have to be able to prove you're in your province of primary residence x length of time within x amount of time span (times may differ between province, Alberta I believe you have to be back at least within 90 days, and time out of province can't equal more than 6 months.)

[Doctordestiny]

Originally Posted by WilsonFourTwo

It's starting to sound like the original post should say

"I asked an obviously silly question, didn't get the answer that benefits me, and now want suggestions on how to scam cheaper insurance."

Maybe I'm reading this post wrong, but if you have already called and asked, why even create the topic?

Reread my posts. It's not me. These are family members and I'm trying to save them a costly mistake. It's my daughter and her hubby, students in B.C. for the next two years.

[FlamesKickAss]

i think its different for students, I have a buddy who lives in BC as a student with alberta plates and insurance

[DownhillGoat]

Originally Posted by Doctordestiny

Reread my posts. It's not me. These are family members and I'm trying to save them a costly mistake. It's my daughter and her hubby, students in B.C. for the next two years.

Students are an entirely different story. When I went to school, as long as I still had a mailing address in the province I was insured in I could keep both my insuring provinve's license, insurance and regestrarion.

I would give Alberta Registries a call to verify, but I would assume they still have a student clause. You should have included that little detail in the first post

[Doctordestiny]

Yeah, I know. I didn't know it mattered.