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An at-fault collision can happen to even the most careful of drivers, and you may be wondering how you can protect yourself from rising insurance rates if you’re ever involved in one. Adding accident forgiveness coverage to your car insurance policy can help.

What is accident forgiveness?

Accident forgiveness — also known as collision forgiveness, driving record protection, or first claim forgiveness — is a car insurance endorsementopens a pop-up with definition of endorsement that helps you avoid a premiumopens a pop-up with definition of premium increase after your first at-fault collision.

How do you qualify for accident forgiveness?

Accident forgiveness is unlike many other car insurance endorsements, which almost anyone can purchase. In fact, many insurers have strict eligibility guidelines and will only add accident forgiveness to your policy after you’ve proven yourself to be a safe driver. This typically means you haven’t been in an at-fault or partially at-fault accident in years.

Eligibility for accident forgiveness, including how long you must stay accident-free, also varies from province to province and from insurer to insurer. If you have a clean driving record, contact your broker to find out if you qualify to add accident forgiveness to your car insurance policy.

Do you have a clean driving record? Ask your broker about adding accident forgiveness to your car insurance policy to help you avoid a premium increase after your first at-fault accident.

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Common myths about accident forgiveness

You may be surprised to learn that, even after you’ve added an accident forgiveness endorsement to your policy, there are some scenarios where it won’t apply — meaning your premium may still increase following a claim. Let’s bust a few common myths about how accident forgiveness coverage works to help you avoid any surprises in the event that you make a car insurance claim:

  • Myth: Accident forgiveness applies after any car accident. Reality: Accident forgiveness typically only applies after your first at-fault accident, but each insurer and province has different rules. An accident will also likely not be forgiven if you receive demerit points, are charged under your province’s highway traffic act, or commit a criminal code offense.
  • Myth: Your accident will be forgiven no matter who’s driving the car. Reality: Protection typically only applies to the primary driver on your car insurance policy. Reach out to your broker to see if you can purchase coverage for any additional drivers.
  • Myth: Accident forgiveness erases the accident from your driving record. Reality: If you’ve had an accident forgiven by your insurer, it’s not permanently wiped from your driving record — it’s still there and it could affect your premium if you choose to move to a new insurer.
  • Myth: You can bring your accident forgiveness coverage with you when you switch insurers. Reality: When you switch to a new insurer, you can’t transfer your accident forgiveness coverage. If you want to add it to your new policy, you’ll have to qualify for it with your new insurer.

You can’t bring accident forgiveness coverage with you if you switch insurers. If your previous insurer forgave your at-fault accident, you’ll need to qualify for accident forgiveness with your new insurer.

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Before you buy a new car insurance policy or renew your existing one, ask your licensed car insurance broker to find out if you’re eligible for accident forgiveness coverage.


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Natural gas is one of the safest fuels to use in your home, but if you have a faulty or poorly installed appliance or gas line, a leak can occur. Since natural gas is highly combustible and can cause a fire or explosion in open air in concentrated amounts, it’s important to know how to detect a leak and what to do if you suspect you have one.

Signs of a natural gas leak in your home

Natural gas — like carbon monoxide — is colourless and tasteless, so you need to pay close attention to pinpoint a leak. You’ll typically notice a strong smell — possibly accompanied by noises or other unusual clues — in your home. While gas leaks are rare, identifying these signs of a natural gas leak early on can help you protect your family and your home:

  • You can smell it. While natural gas on its own is odourless, most providers purposely add a strong artificial smell to their natural gas to help you identify a leak. If you notice an odour of rotten eggs, sewage, or skunk in your home, you very well may have a leak.
  • You can see signs of it. You may notice some odd visual signs that indicate a gas leak, such as your houseplants suddenly dying (despite your green thumb) or mysterious bubbles in still water. Visible damage to your gas line connection is a more obvious sign of a potential leak. If you notice damage to your natural gas pipe, call your gas provider’s 24-hour emergency line immediately.
  • You can hear it. A hiss, roar, or whistle that’s out of the ordinary could indicate a high-pressure leak, especially if it’s close to a pipe.

Natural gas providers add a distinctive odour to their product to help you detect a natural gas leak — if you smell rotten eggs, sewage, or skunk in your home, you may have a leak.

Think about your business for a moment.
Maybe you have a standard office set-up. A modest number of employees. A solid IT person – perhaps even a team. You have a website, of course, and a pretty impressive customer following in your region. But you certainly aren’t a national bank or a global technology giant, so you don’t consider yourself to be a target for cyber criminals.

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