Yes, you can get temporary car insurance in Alberta. These short-term policies are designed for specific situations, such as borrowing a car, visiting from out of province, or driving a newly purchased vehicle before securing standard insurance. The most common product is a short-term liability policy, often referred to as a "binder," which provides the legally required minimum coverage for a set period, typically ranging from one day to a few months. Availability and exact terms depend on individual insurance providers, so you must contact brokers or companies directly.
This type of insurance is distinct from a standard six-month or annual policy. It's crucial to understand that it generally provides only the basic third-party liability and accident benefits mandated by Alberta law. You would likely need to purchase additional coverage, like collision or comprehensive, separately if required. The process usually involves a quick phone call or online application with an insurance broker who can shop your request to companies offering these niche products. Your driving record, the vehicle's details, and the specific reason for needing temporary coverage will all influence the premium.
| Scenario | Typical Policy Duration | Key Providers to Inquire With | Mandatory Coverage Included? |
|---|
| Borrowing a friend's car | 1 to 14 days | Intact Insurance, TD Insurance, local brokers | Yes (Liability) |
| Driving a newly purchased car home | 1 to 2 days | Brokerage firms specializing in binders | Yes (Liability) |
| Visiting Alberta from another province/country | 1 week to 3 months | Specialized non-resident insurance providers | Yes (Liability & Accident Benefits) |
| Vehicle storage (removing liability) | 1 to 6 months | Most standard insurers | N/A (Removes liability) |
| Gap coverage between selling and buying a car | 1 to 7 days | Brokerages that issue short-term binders | Yes (Liability) |
The cost is generally higher per day than a pro-rated annual policy due to the administrative overhead for the insurer. It's a practical solution for a well-defined, short-term need, but it is not a cost-effective long-term strategy. Always confirm the exact start and end dates and times of coverage to ensure there are no gaps, as driving uninsured in Alberta carries severe penalties.
