Going away on vacation during winter often means leaving your vehicle parked for several days or even weeks. Whether it stays on the street, in your garage, or in an airport parking lot, one important question remains: does your auto insurance still properly cover you during your absence?
Parked vehicle: what you need to know
Even when it’s not being driven, a vehicle can be exposed to winter hazards, whether on the street, in a private garage, or in an airport parking lot. Your auto insurance must therefore remain active, even during a period when the vehicle is not being used.
It’s important to verify whether your coverage includes protection against theft, fire, vandalism, hail, and windstorms, as this can vary depending on your policy.
Can you suspend your insurance while you’re away?
In most cases, no. The law requires maintaining at least $50,000 in civil liability insurance, even if the vehicle is not being used temporarily.
Storing (removing from active use) a vehicle is generally possible when it remains unused for several weeks.
Before leaving: essential checks
Confirm your coverage for theft and weather-related damage
Ensure your coverage matches your vehicle’s value
Consider options suited to a vehicle that is driven very little during the winter
If you have any questions or doubts, call your Lussier advisor, available 24/7 at 1-855-LUSSIER (1-855-587-7437).
