A new car usually needs insurance in place before you drive it away. This page covers what people often arrange and what to ask.
You generally need valid insurance before the car is on the road. Most people arrange it ahead of the pickup date, and the seller or dealer may ask to see proof.
If you finance or lease, the lender or leasing company often sets minimum requirements, such as collision and comprehensive coverage and a maximum deductible. They may also be listed on the policy. Ask them what they require in writing.
Ask for the vehicle's history report and ownership details, and tell your insurer about any changes you plan to make to the car.
Usually only once insurance is in place and the ownership paperwork is done. Arrange it before pickup, and ask your insurer what they need.
It often does, because the leasing company may require certain coverages and deductibles. Ask them for their requirements.
This is common with loans. Ask your insurer or advisor how a total loss would be handled in your situation and what options exist.
General information, not advice or a recommendation. Rules differ by province and by insurer, so confirm with your insurer or a licensed advisor. This page was last checked in November 2026.