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Auto Insurance

Get an Auto Insurance Quote

For residents of Alberta, having many different choices for car insurance providers is a benefit, but it can also be challenging to find the price that works best for you. Comparing prices and coverage can be time consuming and frustrating.

We make it easy for you by comparing different rates and coverage, guiding you through the process every step of the way. Our brokers will advise you on the discounts that you could be eligible for, sometimes resulting in substantial cost savings on your annual premiums. Click here to get a quote.  


1. Third Party Liability
If you cause an accident, this coverage protects you from claims by other motorists for their injuries and damage to their property. With claims costs on the rise, purchasing limits of at least $1,000,000 is usual; we recommend purchasing higher limits which we can provide upon request.

2. Accident Benefits including Uninsured Motorist Protection
This coverage pays for three general categories:  

  • medical expenses such as rehabilitation, occupational therapy and hospital expenses
  • funeral expenses and death benefits as well as total disability and loss of income
  • uninsured motorists


Additional Coverage Options:

  • Own Damage – All Perils, Collision, Comprehensive, Specified Perils

This covers damage to your own vehicle depending on the option(s) you choose.

  • SEF 44 – Family Protection Endorsement

Although this is not mandatory, we include this coverage in all our insurance packages.   This important endorsement responds in the event you are injured in a “not at fault” accident. If the responsible driver carries insufficient third party liability (TPL) limits to cover a court awarded injury settlement to you and, his TPL limit is lower than the TPL limit you carry on your vehicle, your policy can help.  Your policy will pay the difference between your limit and the responsible driver’s third party liability limit up to the maximum total paid as awarded by the court.  (subject to the terms and conditions of the endorsement). 

  • SEF 20 – Loss of Use

    This coverage allows you to rent a replacement vehicle if you are without a car due to an insured loss.  The additional cost of this valuable protection is nominal and coverage limits start from $900 per occurrence with higher limits available.

  • SEF 27 – Legal Liability for Damage to Non-owned Vehicles

    This endorsement provides you coverage for your legal responsibility for damage to a non owned vehicle.  This coverage is commonly used instead of purchasing coverage from a rental car company upon renting a private passenger vehicle for pleasure purposes.  Make sure you call your broker to discuss this endorsement and its limitations.

  • SEF 43 – Limited Waiver of Depreciation or SEF 18 – Replacement Cost


 “Limited Waiver of Depreciation (SEF 43R)” waives the application of depreciation to damage caused to your new vehicle for the first 24 to 30 months (depending on the insurance company) that you own the vehicle.  If destroyed or a “total loss”, this endorsement will pay the lower of the MSRP or the actual purchase price at the original date of purchase of the vehicle destroyed;




“Replacement Cost (SEF 18)” coverage for a new vehicle is offered by a few insurance companies.  It is generally a more expensive option as this endorsement will replace the destroyed vehicle with a new one with same (or similar if same is not available) specifications and equipment.  Your broker can help you decide which option is right for you.

  • SEF 13D – Comprehensive Cover – Limited Glass Endorsement


This limits coverage by removing insurance for claims such as rocks or other objects breaking your vehicle’s glass. This endorsement results in a reduced Comprehensive premium.

  • SEF 39 – Accident Rating Waiver

This optional enhancement protects your driving record from being downgraded as a result of a first “at-fault” loss, subject to certain provisions.  This means that your premium would not increase as a direct result of a first accident.  The Accident Rating Waiver is available for a low annual additional premium.



 Car insurance - Beyond the Basics

The exercise of buying auto insurance in Alberta can be complicated with so many private companies to choose from. But the experienced brokers at Westland Insurance are able to guide their clients through the maze of details to ensure the policy is right from the start, no matter what the person’s budget is.

“Sometimes people are misinformed or not as knowledgeable as they could be about the insurance options,” says Lea Vadnais, personal lines manager at Westland’s Lethbridge office. “They find all the terminology technical so we try to educate people about what they are buying and why they should buy it. That way they can decide what it is they want to accomplish with their insurance.”

Vadnais explains that Third Party Liability or Public Liability and Property Damage (PLPD) coverage is one of the most important factors in buying auto insurance. “When clients come in and say they only want basic insurance, or PLPD, they think it covers their vehicle for accidents that aren’t their fault. Then they are shocked they don’t have coverage under basic PLPD.”

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How is your Auto Insurance Premium Calculated?  

The overall cost of your vehicle insurance will depend on several factors including:

  • Your MVR (driver’s licence ticket history) and Autoplus (Insurance and claims history)
  • How long you’ve been licensed and where you live 
  • How you use your vehicle and the type of vehicle you drive


Motor Home Insurance

Any automobile insurance package for cars can also be purchased for motor homes – but there are some differences.

For instance, car insurance does not cover the contents of a vehicle. A policy written specifically for motor homes includes some coverage for your contents. 

One of our specialists can go over in detail what difference in coverage you need to be aware of when purchasing insurance for your motor home.


Frequently Asked Questions

  • Insuring in Alberta for the first time – what you need to know

  • How can I reduce my auto insurance premium?

  • What is the minimum amount of insurance that is required to operate a private passenger motor vehicle?

  • Do I have to list no-fault claims when I’m getting a quote?

  • What are limits and deductibles?

  • How do limits and deductibles impact my premium?

  • What is “Collision” coverage?

  • What is “Comprehensive” coverage?

  • Do I need extra insurance on my new car?

  • I’ve been driving for more than 10 years with no tickets and no claims. Will my rate jump significantly if I have an at-fault claim?

  • I got a speeding ticket. Will it affect my insurance?

  • What difference will it make to my quote if my car is kept on my driveway or in a garage?

  • Will the annual mileage I do affect the price of my quote?

  • Is there a fee for getting an insurance quote?

  • Will I automatically receive a replacement vehicle if my car is being repaired?

  • What type of insurance does my newly licensed teenager need?

  • Why is insurance so expensive for teenage and young drivers?

  • What happens if I share the vehicle with my family member?

  • Does my insurance policy cover someone else who drives my car?

  • If I lend my vehicle to someone and they have an accident, does it affect my insurance premiums?

  • What do I do if I am involved in a motor vehicle accident?

  • What happens if I have an accident and need to make a claim?

  • What does my auto insurance policy cover if personal items are stolen from my vehicle?

  • Does Westland Insurance insure other types of vehicles like motorcycles and motorhomes?

  • Does Westland offer car insurance for electric vehicles ?

  • Will having modifications on my car change the price of my insurance premium?