Stay Protected with Confidence
Planning to hit the road and explore the scenic stretches of Northern Ontario? Whether it’s the rugged coastlines of Lake Superior, the hidden lakeside campsites, or a cross-border adventure, your journey deserves more than just a packed trunk — it deserves protection.
At Northern Insurance Brokers (Northern), we’re not just here to offer policies — we’re from the North, and we understand the unique needs of Northern Ontario drivers. Before your engine starts, here are the essential Great Canadian Road Trip Insurance tips to keep you and your vehicle protected.
Know Your Limits – Rental Insurance in Canada
Many personal auto policies in Ontario offer rental car protection — but only up to $50,000 CAD. That’s a concern when modern rental vehicles, including SUVs and hybrid models, often exceed that value.
Another factor? Vehicle weight limits. Most insurers won’t cover rentals heavier than 4,500 kg, ruling out many motorhomes and RVs.
Planning to rent something specific? Ask us to confirm if your policy has the right protection in place.
Cross-Border Rentals Require Special Attention
Renting a car in Canada is one thing. Renting across the border — or even in another province — can introduce limits and exclusions.
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- Covered: Most standard cars rented in Canada or the U.S. (with OPCF 27).
- Not covered: Many trailers, motorhomes, or luxury/sports vehicles.
- Important: U.S. laws may not recognize Ontario policy terms or accident protection.
Talk to us before your trip — we’ll review your policy and advise whether you need additional endorsements or third-party protection.
Claims Protection Plan (CPP): A Safety Net for the Unexpected
Even the most careful drivers make mistakes — especially on unfamiliar roads.
With a Claims Protection Plan (CPP) on your auto policy, your first at-fault accident may not impact your insurance record or rates. That’s a major advantage if something happens on your journey.
But beware: not all CPPs cover rental vehicles or international claims. Some policies apply restrictions that can void your protection without warning.
Let us confirm your CPP status and help you travel with peace of mind.
CAA Warns of Increased Vehicle Thefts
Car thefts are on the rise across Ontario — and not just in major cities. The CAA recently updated its vehicle theft list, adding several makes and models popular right here in Sault Ste. Marie.
Shockingly, many local dealerships don’t install the anti-theft devices recommended by insurance companies, even when it could lower your risk and your premiums.
Pro Tips:
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- Lock doors and keep valuables out of sight
- Install a steering wheel lock or GPS tracker
- Park in well-lit or monitored areas
🔗 IBC: Auto theft is a national crisis – End Auto Theft ➧
Distracted Driving and Wildlife Collisions – Not Worth the Risk
A road trip means maps, playlists, photos, and calls — but distracted driving remains a leading cause of accidents. It’s even more dangerous in Northern Ontario, where long stretches of highway and sudden wildlife crossings make every second of attention count.
An at-fault distracted driving accident could:
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- Increase your insurance rates significantly
- Disqualifies you from accident forgiveness
- Void your rental vehicle protection
And remember — even if you’re fully focused, wildlife collisions are common in rural and forested areas. Moose, deer, and bears can appear without warning, especially at dawn and dusk. Staying alert can help you avoid a claim and a potentially serious accident.
Designate a passenger to manage your phone, or pull over before responding. It could save your road trip — and your record.
🔗 Wildlife Collisions in Northern Ontario ➧
Why Choose Northern Insurance Brokers?
We’re more than a brokerage — we’re your Northern Ontario neighbours, and we drive these roads, too.
We offer:
Your journey deserves a team that knows what matters to you — because we live here, too.
The Great Canadian Road Trip Insurance Checklist
Before you hit the road, make sure you’ve checked off the essentials:
✅ Confirm your rental vehicle limit ($50,000 CAD)
✅ Know your weight restrictions (4,500 kg limit)
✅ Ask about CPP eligibility
✅ Add endorsements for U.S. or specialty rentals
✅ Review anti-theft options if your vehicle is on the CAA list
✅ Understand distracted driving exclusions
Still unsure? Reach out — we’ll guide you through it.
Ready to Roll?
Before you leave Northern Ontario behind, let’s make sure you’re properly protected. Whether you’re heading west, south, or off-grid, The Great Canadian Road Trip Insurance guide is your roadmap to safety, clarity, and confidence.