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Protection to get you where you need to go.
Protect yourself and your loved ones by purchasing car insurance through Cowan.
As an independent broker, we work for you and will find the best coverage for your vehicle to meet your needs.
There are many things that can affect your car insurance coverage and the rate you pay, including your age, your driving record, the type of car you drive, your claim history, and how much you drive your vehicle. No matter what your needs may be, our expert advisors will take the time to listen and offer you tailored advice specific to your situation – all at a competitive price.
If you ever have a claim, we’ll help you through the process and provide coverage information along the way. What’s more, you may be eligible for discounts if you insure both your home, property and auto through Cowan.
A Cowan expert who specializes in car and vehicle insurance will call you directly. Our expert advice means you will speak to the right person the first time.
Custom coverage specifically built for you means that Cowan will take the time to learn about your individual insurance needs.
Cowan is Canadian owned and independent. Your satisfaction is the only outcome we accept. Our clients are at the heart of everything we do and we care about what you care about.
What does my car insurance cover?
To determine exactly what your car insurance covers, review your policy declaration documents, which will define the specifics of your coverage.
Various coverage options are available for purchase. Below are several examples of what car insurance may cover, depending what options you choose.
Not sure you have the right coverage for your vehicle? Contact a Cowan car insurance expert for a free, no-obligation quote.
What could affect my car insurance rates?
Your car insurance rates will be affected by a variety of factors specific to you.
Your car insurance rates will be affected by a variety of factors specific to you. A few of the factors that influence your car insurance rates include:
Other factors that influence your car insurance rates include:
The bottom line is that car insurance rates are highly individualized to each driver’s vehicle and specific driving situation.
For more information on your car insurance rates, contact a Cowan broker for a quote.
What documents or information do I need to get a car insurance quote?
To get a quote for car insurance, you will need the following information
Contact a Cowan car insurance expert for a free, no-obligation quote.
When do I need business car insurance?
If you are using your vehicle as part of your job (aside from driving to and from your workplace), you will require business use coverage on your personal car insurance policy. For example, a real estate agent using their car to show properties would require business use insurance. When you discuss how you’ll be using your vehicle with your broker, be as thorough as possible so that they can help review your insurance needs
Other uses of your vehicle may require commercial auto insurance. Examples of when you will need commercial vehicle insurance are if you are using your vehicle for:
Unsure if you need business use or commercial auto insurance? Talk to one of our brokers, who can help you determine the right coverage.
Can friends and family drive my car?
Unless they have their own insurance, you should notify your broker of any regular driver of your car or any licensed driver in your household. They will likely need to be added to your policy. Don’t forget to let us know when your teenagers get their licenses, as well.
You can lend your car to someone who is not a regular driver of your vehicle, but they must have your permission and be legally qualified to drive. If the friend or family member were to get in an accident while driving your car, it will affect your premium, the same way it would if you were driving.
Contact a Cowan car insurance expert for advice and to get a quote on adding other drivers to your policy.
If you or your business has suffered a loss, you need advice and answers quickly. Our dedicated Claims Department is here for you 24 hours a day, 7 days a week.
Whether you rent or own, your home and belongings likely represents your most significant investment. You need to be confident that your home and contents are fully covered by your insurance plan.
Whether you are a small business or a large corporation, insurance can help keep you safe from everyday risks and potential financial loss.