Used Car Traffic Insurance

When you buy or sell a used car, traffic insurance is often left to the last minute — yet a current policy is required for title transfer and inspection. Who the policy is issued to, the sale date and cancellation of the old policy are linked; getting the order wrong means fines and wasted premium.

Before or after the notary?

Since 2023, many provinces require traffic insurance before the notarized transfer. Confirm your province's current rule on the sale day. We issue same-day quotes from plate, registration serial and buyer ID; once approved, the policy arrives by email ready for the notary appointment.

Does the no-claims discount transfer?

Often yes — claim-free years from the previous owner may carry over if conditions are met, using old policy details or an SBM lookup. Without transfer, premium can be unnecessarily high; always check before the sale closes.

Documents needed

• Plate and registration (or details on the sale contract)
• Buyer's national ID number
• Previous policy number or insurer name, if available

Used-car traffic premiums depend on vehicle type, usage, province and claims history. Comparing several quotes side by side beats sticking with one insurer.