Moving to Canada is exciting—but for many new immigrants, securing insurance can be confusing, especially without a Canadian insurance history. Insurers rely heavily on prior coverage and claims records, so starting from zero can feel like a setback.

Why Insurance Is Harder at First?

Without Canadian history, insurers may view new arrivals as higher risk due to:

• No local driving or claims record
• Limited credit history
• Unfamiliarity with provincial insurance systems

This can result in higher premiums or fewer options initially.

Auto Insurance Tips for Newcomers

• Exchange your foreign driver’s licence where eligible
• Provide proof of driving experience from your home country
• Request a driving record or claims letter from prior insurers
• Consider telematics programs to demonstrate safe driving

Home & Tenant Insurance Basics

• Tenant insurance protects belongings and liability
• Home insurance is required by most mortgage lenders
• Start with appropriate limits—even as a first-time buyer

How to Reduce Costs Over Time

• Maintain continuous coverage
• Avoid small claims early on
• Build a clean Canadian insurance history
• Work with a broker experienced in newcomer insurance

Final Thought

Everyone starts somewhere. With the right guidance, new immigrants can quickly build insurance history and access better rates across Canada. Welcome home! 🇨🇦

Brokers can contact Total Risk Managers to discuss a risk.

This article is general information for insurance brokers. It is not advice, and it is not a quote or an offer of coverage. Policy wording decides what is covered. Coverage is arranged through a licensed insurance broker.