How Car Insurance In Nunavut Works

When you think of the Northern most territory, Nunavut is one of the first places that comes to mind. This vast, beautiful territory has a lot to offer, ranging from a rugged, yet inviting, landscape to a collection of wonderful residents. However, Nunavut is a huge territory (the biggest, in fact!). If you want to get around safely and efficiently, you’ll need to invest in car insurance in Nunavut. Car insurance in Nunavut is run by the government of Nunavut. On April 1, 2013. they took over as the administrator for the territory’s auto insurance. Before that, since 1999, the Northwest Territories had provided these services.

In Nunavut, car insurance is mandatory and available for purchase via private insurance companies and brokers. Nunavut auto insurance uses a no-fault system meaning you only ever deal with your own insurance provider for claims, regardless of who is at fault.
In Nunavut, from the moment you own a vehicle, you must insure it through a private insurer. There an institution that is regulating car insurance, this is The Department of Economic Development and Transportation.


What are the different car insurance in Nunavut?

In Nunavut, there are several car coverages that are mandatory by law:

Third-party liability
This insurance is compulsory and protects against damage to others and their property caused by you while driving. It’s mandatory across Canada. Minimum coverage for third-party liability insurance is $200,000.
Accident benefits:
Covers your medical benefits if you’re injured in a crash, whether you’re at fault or not. It extends to pedestrians and cyclists, too. It pays for medical costs outside of provincial coverage, as well as additional recovery costs, such as rehab, income replacement, and attendant care, if needed. Worst case scenario, it also covers the cost of funeral expenses.
Uninsured motorist:
Uninsured motorist coverage protects against injuries you and your family members sustain in a crash caused by an uninsured motorist. It can also cover your vehicle damages, if the uninsured driver is able to be identified. If not, you’ll need to rely on collision or comprehensive to foot the repair bills.

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What are the optional Car insurance coverages in Nunavut?

Here are all the options you can add to your car insurance to be best protected:

Collision car insurance in Nunavut
This auto insurance protects you in the event of a collision of your vehicle with an object, which can also be the rollover of your vehicle. This insurance covers property damage caused by this accident. For example, if you hit a traffic sign, you will be covered by collision insurance. This coverage is not mandatory.

Comprehensive car insurance in Nunavut
This insurance protects you for anything that is not collision or upset, as the name suggests, therefore for anything that is vandalism, glass breakage, theft, fire. If you park your vehicle on the street and when you come back, one of the windows has been broken, you will be able to use this insurance if you have subscribed to it. It is possible to make car insurance estimates to see how much you want to be insured up to.

Specified Perils Auto Insurance in Nunavut
It covers you for risks that you have specified in the contract. For example, you can mention glass breakage but not include vandalism, theft but not include fire.

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All-risk car insurance in Nunavut
This insurance is a combination of all other insurances: collision, payout and collision free. The deductible is the same for all damages. You will thus be protected for all incidents beyond your control (vandalism, theft, fire) but also for incidents resulting from a road accident, collision with an object, or the overturning of your vehicle.

In Nunavut, there are a number of factors to consider when determining the price of your car insurance.

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The price of car insurance in Nunavut is based on several factors such as:

Your age
Your sex
Your driving record, i.e. your driving history
Your permanent address: it won’t be the same price if you live in a crowded city or in the countryside.
The type of vehicle you drive: depending on the vehicle you drive, your premium will increase or not. If it is a really a model that can be easily stolen, your premium will get higher. If you drive one of the most stolen cars, it is quite sure that your premium will tend to be higher.
The use you make of your vehicle: are your journeys to and from work daily, for example? Do you use your vehicle for business purposes?
The number of people insured on your car insurance and their driving level
The date you obtained your driver’s license
Third party liability: did you choose $1,000,000 third party liability? More? Less? This changes your premium a lot.
The optional coverage: did you add theft for example? Vandalism? Fire? Same, this impacts your premium.
Before subscribing any car insurance plan in Nunavut, do not forget to compare best car insurance plans and pick the best option for you.
Nine ways to get cheap car insurance in Nunavut
Here are few tips so save on your car insurance in Nunavut:

Bundle your policies: If you use the same insurance company for both your home and auto insurance needs, your insurer will often thank you with a dip in premiums.
Shop and compare to get the best deal: Research which company provides cheap car insurance in Nunavut, and also the best value for you and your vehicle. Rates may change up to four times a year, but lucky for you comparing Nunavut car insurance with us is free.
Choose the right amount of deductible: if you choose a low deductible, your car insurance premium will go high. So choose high deductible if you want to lower your car insurance premium.
Choose the coverage you need. For example, if you drive a really old car, maybe you shouldn’t have a very complete car insurance.
Pay annually: this will avoid to pay the rate fees to pay monthly.
Security-device: you should install safety devices on your car, you could enjoy discounts!
Have a good driving record: the best you drive, the lower you’ll pay.
Install a telematic device: this tool will register your driving behavior and your car insurance premium will be adapt to your kind of driving. So, if you’re a safe driver, and you want to save money on your car insurance, go for it!
Ask about discounts: If you’re a member of a large corporation, union, or a school alumnus, it could help you get cheaper Nunavut car insurance.

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