Alberta, Canada Car Insurance Inquiry
Are there any brokers or underwriters from Alberta who can assist me?
In June 2021, I had my license suspended due to excessive demerits, but it was reinstated in September 2021.
I’m wondering how long insurance companies in Alberta typically factor in a suspension when determining rates. It’s now 2025, and I was informed that the suspension would no longer affect my rate in 2024, but I feel like I keep getting the runaround. Any insights would be appreciated!
In Alberta, insurance companies typically hold onto information about license suspensions for a period of 3 years. Since your suspension occurred in June 2021 and was reinstated in September 2021, it should have fallen off your record by September 2024, assuming there are no further infractions.
However, different insurance companies can have varying policies regarding how they assess risk based on driving records. Sometimes, even if the suspension period has technically ended, certain insurers might keep it in mind for a longer duration when determining rates.
If you’re facing issues with particular companies or feel you’re being given the runaround, it might be beneficial to try getting quotes from different insurers or discuss your situation with a broker who can help clarify your record and find a better rate. Additionally, requesting a copy of your driving record from Alberta Transportation can provide you with clear insight into what information insurers are viewing.