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Old 08-02-2021, 09:18 AM   #1
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Canada Auto Insurance ID required- Heads up

I have not yet crossed the border, but my Progressive agent tells me that in addition to my usual US insurance card and trailer proof of insurance, I also need a Canadian Insurance card. Hard copy, cannot be electronically sent. Same policy, same coverage, but Canada wants to see a Canadian insurance card. One week to the border opening, and no one told me.
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Old 08-02-2021, 09:45 AM   #2
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Quote:
Originally Posted by Acheron2010 View Post
I have not yet crossed the border, but my Progressive agent tells me that in addition to my usual US insurance card and trailer proof of insurance, I also need a Canadian Insurance card. Hard copy, cannot be electronically sent. Same policy, same coverage, but Canada wants to see a Canadian insurance card. One week to the border opening, and no one told me.
Here at the Peace Bridge a 'card' stating you are covered in Canada is needed. See your agent.

Bob
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Old 08-02-2021, 12:14 PM   #3
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It's better to have one - I always call my agent ahead of time.

Good news is that the border folks have never asked me to see it. I understand that there is no issue as long as you don't get into an accident; then you'd best have one. I also have never been stopped by a policeman - he would likely ask for it - then a ticket, I guess.

If I were going and didn't have one, I would certainly go anyway. After all, you in fact do have insurance.

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Old 08-02-2021, 01:01 PM   #4
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I just checked the GEICO website and they specifically state that their standard issue insurance card is accepted by Canadian border authorities. No other related docs needed.
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Old 08-02-2021, 01:34 PM   #5
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I've been crossing the border for over 50 years and have never been asked to show my insurance card. Or my dog's rabies certificate.
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Old 08-02-2021, 01:52 PM   #6
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I've been crossing the border for over 50 years and have never been asked to show my insurance card. Or my dog's rabies certificate.
Same amount of years. Never asked for insurance card, but I have had to show rabies certificate a couple of times.
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Old 08-02-2021, 01:56 PM   #7
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Who drives around with an Airstream that doesn’t have insurance?
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Old 08-02-2021, 02:26 PM   #8
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Same amount of years. Never asked for insurance card, but I have had to show rabies certificate a couple of times.
Hi

I seem to remember them asking the wife for *my* rabies certificate ....

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Old 08-02-2021, 02:41 PM   #9
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Hi

I seem to remember them asking the wife for *my* rabies certificate ....

Bob
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Old 08-02-2021, 02:56 PM   #10
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"Who drives around with an Airstream that doesn’t have insurance?"

Maybe lots of people with older trailers. In the US the trailer is covered by the tow vehicle insurance instead of the trailer insurance when you are actually pulling it.

Is this something new at the Canadian Border?
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Old 08-02-2021, 03:00 PM   #11
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Thirty years ago, we were asked for ID for two toddlers asleep in the back seat of our car. The (US) officials did not confiscate said children. I think they sensed a latent “mother grizzly” in the passenger seat.
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Old 08-02-2021, 04:40 PM   #12
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"Who drives around with an Airstream that doesn’t have insurance?"

Maybe lots of people with older trailers. In the US the trailer is covered by the tow vehicle insurance instead of the trailer insurance when you are actually pulling it.

Is this something new at the Canadian Border?
Nope. Not new...

The vehicle in trail is covered by the T.V.s automotive insurance, this is not new and is the same in the United States.

The border is a federal jurisdiction, inland roads are covered by the province you just arrived in. Just like the USA. (Replace province with state, however)

The border guards generally do not care about provincial rules, unless you don't have the Federal minimum of 200kCAD liability insurance.

Sooooo, if you look like you don't have the ability to cover a 200k liability claim, they may ask you about that...

Otherwise nobody cares if your airstream burns up while you are unhooked, they only care about it when you are towing it on a public highway.

The provincial highway traffic acts require documents (paper) that state the TVs insurance status. (name/address of the insured, policy number and insurance company name and telephone number for verification).

This document can be a photocopy or a print of a PDF.

Failure to produce those documents at a roadside police visit (for whatever reason) is about a $400 fine in Ontario.
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Old 08-02-2021, 06:14 PM   #13
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Canada Auto Insurance ID required- Heads up

Quote:
Originally Posted by Bill M. View Post
"Who drives around with an Airstream that doesn’t have insurance?"

Maybe lots of people with older trailers. In the US the trailer is covered by the tow vehicle insurance instead of the trailer insurance when you are actually pulling it.

Is this something new at the Canadian Border?


I would read those policies very carefully. How about when your parked in a campground or when your not driving?
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Old 08-03-2021, 08:01 AM   #14
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Originally Posted by GetawA-S View Post
Thirty years ago, we were asked for ID for two toddlers asleep in the back seat of our car. The (US) officials did not confiscate said children. I think they sensed a latent “mother grizzly” in the passenger seat.

That’s why we got State I.D. Cards for our daughters when they were young. How else can you show they’re yours (and not abducted) when crossing the border?
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Old 08-03-2021, 08:05 AM   #15
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Quote:
Originally Posted by Acheron2010 View Post
I have not yet crossed the border, but my Progressive agent tells me that in addition to my usual US insurance card and trailer proof of insurance, I also need a Canadian Insurance card. Hard copy, cannot be electronically sent. Same policy, same coverage, but Canada wants to see a Canadian insurance card. One week to the border opening, and no one told me.
Been across many times never heard of this.
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Old 08-03-2021, 08:07 AM   #16
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Nope. Not new...

The vehicle in trail is covered by the T.V.s automotive insurance, this is not new and is the same in the United States.

The border is a federal jurisdiction, inland roads are covered by the province you just arrived in. Just like the USA. (Replace province with state, however)

The border guards generally do not care about provincial rules, unless you don't have the Federal minimum of 200kCAD liability insurance.

Sooooo, if you look like you don't have the ability to cover a 200k liability claim, they may ask you about that...

Otherwise nobody cares if your airstream burns up while you are unhooked, they only care about it when you are towing it on a public highway.

The provincial highway traffic acts require documents (paper) that state the TVs insurance status. (name/address of the insured, policy number and insurance company name and telephone number for verification).

This document can be a photocopy or a print of a PDF.

Failure to produce those documents at a roadside police visit (for whatever reason) is about a $400 fine in Ontario.
Liability only transfer from Rv to trailer
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Old 08-03-2021, 08:27 AM   #17
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Hi

A lot of this gets into "why you don't mouth off to the boarder folks and get them mad at you". There are a *lot* of things they can / could / might ask for or look into.. There are a ton of rules that most folks don't think of on a regular basis.

That said, quick check list going north:

1) Passports that have not yet expired.

2) Medical coverage of some sort ( this is in the "good idea" category).

3) Insurance / registration on the vehicles (with paperwork)

4) Vaccinations for the people (with paperwork)

5) Vaccinations for the pets (with paperwork)

6) Check of this afternoon's rules on what foods you can or can't have along at this section of the boarder

7) Deposit of the "wrong" kind of knives south of the boarder

9) Permits / paperwork for or deposit of firearms south of the boarder

10) If you have kids along who are not related to you, look into those rules ....

No, that's hardly a complete list.....

Bob
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Old 08-03-2021, 09:30 AM   #18
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Re passports…make sure they won’t expire before your return. Seems some countries require a passport at entry with expiry X months after planned return date, IIRC.
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Old 08-03-2021, 09:40 AM   #19
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X2 Uncle_Bob in saying that:

Check With Your Insurance Provider Before You Leave when planning a Canadian road trip. Since US auto insurance policies are valid in Canada, you aren’t required to effect any changes. But knowing the recommendations is a good idea.

I have a Blog Post regarding US Visit to Canada https://www.marriedwithairstream.com/welcome-to-canada/
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Old 08-03-2021, 11:47 AM   #20
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Liability only transfer from Rv to trailer
Your automotive policy on the tow vehicle covers the trailer.

At the very basic level, that is liability coverage.
So, if you off track your trailer in a turn and scrape the paint on the neighbours Lamborghini, your liability insurance will cover that...
This is what the authorities are worried about. Whether you will be able to pay for any repairs/injuries of an innocent 3rd party.

Whether your tow vehicle insurance covers the trailer catching fire due to a lasagna mishap in the oven, that is a separate question between you and your insurance carrier.
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