Your vehicle gets you to work, to the lake on a long weekend, and through a Calgary winter that can turn a routine commute into a white-knuckle drive in the span of an hour. InsureMy builds auto coverage around how you actually drive and even how much you drive not just the make and model parked in your garage.
Connected insurance is at the core of how InsureMy works. Instead of pricing a policy purely on averages and postal codes, we look at what your home tells us: how it’s built, how it’s maintained, and what’s already in place to prevent a loss before it happens.
This covers injury or property damage you cause to someone else in an accident, and Alberta law sets a minimum of $200,000. Most drivers carry more than that, often $1 million, since legal and medical costs from a serious collision can exceed the minimum quickly.
Sometimes called no-fault benefits, this pays for medical treatment, rehabilitation, income replacement, and related costs after an accident, regardless of who was at fault. It applies to you and your passengers.
Known as DCPD, this means your own insurer compensates you for damage to your vehicle when you're not at fault, rather than waiting on a claim against the other driver's insurer. It tends to make the claims process faster and more predictable.
Alberta’s driving conditions are genuinely different from most of the country. Hailstorms can total a windshield or a hood in minutes. Wildlife collisions are a real concern on rural highways, especially at dusk. Black ice, whiteouts, and long stretches between towns all shape the kind of coverage that makes sense here. We start with what’s required by law, then build out from there based on your vehicle, your driving habits, and what you’d want covered if the worst happened.
Alberta isn’t like most provinces when it comes to home insurance. Hailstorms, wildfire smoke rolling in from the north, sudden spring runoff, and long, cold winters all put unique pressure on a house and on the policy protecting it.
Pays for damage to your own vehicle after a collision with another vehicle or object, regardless of fault. Given how much a modern vehicle costs to repair, this is worth a real conversation if you're not already carrying it.
Covers damage from causes other than a collision, including hail, wildlife strikes, theft, and vandalism. Given how common hail damage to vehicles is in parts of Alberta, this is one of the more practical additions for many drivers here.
A few add-ons come up often in Alberta policies. One extends your existing physical damage coverage to a rental vehicle, which matters if your own car is in the shop after a claim. Another can extend certain benefits to family members who don't live with you but drive your vehicle occasionally. An advisor can tell you which of these actually apply to your situation instead of guessing.
Several factors shape what you pay for auto insurance in Alberta:
Urban areas with higher traffic or theft rates are typically priced differently than rural ones.
Usage-based programs that look at mileage, braking, and time of day can factor into pricing for drivers who qualify.
Tickets, at-fault accidents, and claims history all factor into your rate.
Certain makes and models are more expensive to repair or more frequently stolen, which affects pricing.
A higher deductible on collision or comprehensive usually lowers your premium.
A few things can help manage that cost:
Combining home and auto with the same insurer can qualify you for a multi-policy discount.
A vehicle that's paid off or older may not need the same collision and comprehensive limits as a newer one.
Alberta's Grid rating program caps rate increases for good drivers, so a clean record has real, ongoing value.
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Here’s what sets an InsureMy policy apart for Alberta drivers:
Usage-based and telematics-informed auto options are part of how we approach coverage, not an afterthought.
Connected products sit alongside the standard auto coverage Albertans have always relied on.
The goal is a clearer picture of your risk, not more paperwork.
Your advisor works from your actual driving situation, not a generic quote form.
Telematics-informed coverage for drivers with strong habits.
Vehicle coverage built for business use.
Coverage for cottages, cabins, and seasonal homes.
Protection for ATVs, boats, and other recreational vehicles.
Traditional coverage built around Alberta's real risks.
It meets Alberta’s legal minimum, but many advisors recommend $1 million given how quickly legal and medical costs can add up after a serious accident. It’s worth discussing based on your own situation.
It depends on the vehicle’s value and your comfort with risk. For a car that’s paid off and worth less, some drivers choose to drop comprehensive and collision, while others keep it for hail and theft protection. Your advisor can help weigh the cost against the coverage.
No. Hail, along with theft and vandalism, falls under comprehensive coverage rather than collision, since it isn’t the result of hitting another vehicle or object.
Convictions typically affect your rate at renewal rather than immediately, though the exact impact depends on the severity of the ticket and your overall driving history.
Yes, and it’s worth mentioning to your advisor. Lower annual mileage or seasonal use can sometimes be reflected in your rate rather than being priced the same as daily driving.
See how coverage built around your driving can work for you. Not ready to quote yet? Talk to an advisor first, and we’ll help you figure out what fits.
