Forest Car Insurance

Now that you understand the basics of mandatory Forest car insurance, learn more about two optional coverages that you may include or adjust: comprehensive and collision.

Collision coverage is used in most situations when your vehicle is damaged while operating. If you’re involved in a collision with another driver, a stationary object or other accidents, your collision coverage should compensate you for the repair costs.

Because collision doesn’t cover any damage that occurs to your vehicle while it’s parked and not in use, comprehensive coverage is also required to fully insure against most situations. Comprehensive covers falling branches and objects, fire damage, vandalism, theft, broken windshields and other issues.

Always discuss your collision and comprehensive coverage with your insurance provider. At HUB International, we offer both of these extra layers of coverage independently or together to offer a wide range of coverage. If you’re concerned about a specific peril, you can receive more affordable collision or comprehensive coverage. All peril coverage typically comes with a higher premium, but offers significantly more protection.

Work with an insurance provider who understands the factors to consider when insuring your vehicle. Explore options related to the type of vehicle, your driving habits and other possible coverages.

A classic car or a car with extensive aftermarket accessories and electronic equipment may require additional coverage. Be sure to communicate the replacement cost of your car, including any additions or other factors.

Driving outside of Canada may require a worldwide coverage plan. If you frequently commute to the United States or are planning another international trip, ask your team at HUB International about coverage adjustments.

Thanks to our dedicated team and excellent customer service, we can help connect you to multiple ways to save money on your insurance. Your Forest car insurance policy may be lowered if any of the following apply to you or your vehicle:

• Clean driving record
• Anti-theft device installed
• Bundled policies
• No high-risk drivers on your policy
• Telematics device and good driving habits

Your coverage can change if you store your car in a garage or depending on your age and driving history. Ask your insurance agent about the type of coverage you have and how you can alter it to save money on your premium or to enjoy additional protection and peace of mind in the event of an emergency.

Bundling your Forest car insurance policy with home insurance and other coverages can help you save money. Buy multiple policies to reduce your cost without reducing your protection.