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The calculation of your maximum premium for basic coverage is dependent on the following factors:
Level of
third party liability
coverage;
Where you live;
Date which driver's license received
– this is the date you initially received your class 5 driver's license;
Length of license suspension/cancellation(s)
– the total number of months that driver's licensed has been suspended, cancelled or revoked within the past 15 years;
The number of
at-fault claims
in the last six years and of that number, how many occurred in the last three years (
at-fault claims surcharge table
);
The number of driving convictions, which include
traffic safety
and
serious convictions
in the last three years and
criminal code convictions
in the last four years (
conviction surcharge table
).
You should ask your insurance provider for your current grid step as it might be affected by claims that occurred more than six (6) years ago, which would result in a different grid step than would be developed by the calculator.
Date Coverage is Required:
Third Party Liability:
200,000
250,000
300,000
400,000
500,000
750,000
1,000,000
2,000,000
Territory:
Calgary
Edmonton
Rest of Alberta
Date Which Driver's License Received:
License Suspension/Cancellation(s)
(in total number of months)
Driver Training:
Yes
No
At-Fault Claims within 6 Years:
Claim 1
Claim 2
Claim 3
More
Please contact an insurance provider.
Traffic Safety Convictions:
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
within 3 years
Serious Traffic Safety Convictions:
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
within 3 years
Criminal Convictions:
0
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
within 4 years
The premium calculated below includes the selected level of
third party liability
and
accident benefits
coverage.
Premium:
Grid Step:
Conviction/At-Fault Claim Surcharge:
Is There An
Occasional Driver
?
Yes
No
To calculate the premium for an occasional driver, repeat the process with the occasional driver’s information. Once the grid calculation has been completed for the occasional driver, take 25% of the occasional driver’s premium and add it to the relevant driver’s premium for the total premium.
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