5 Things You Need To Know About Military Auto Insurance

5 Things You Need To Know About Military Auto Insurance

Military auto insurance is a form of insurance package that is tailored to the needs of military personnel and their families. In addition to the other services available for the general public, some insurance companies have military-specific plans. These services become operational on the basis of your affiliations with military institutions and also in case of deployment during emergencies.

Far too often, those who serve in the Canadian military are not given the credit they deserve. The daily financial hardship is often overlooked which several of them are confronted with.

If you are an active-duty military person or a veteran in Canada, we at Surex have compiled a list of things you should know before getting your auto insurance policy.

#1: Eligibility

There are certain people who are eligible for discounted military auto insurance packages. You may be eligible for military auto insurance if you are on-duty or have been in the following categories:

  • Reserves
  • Coast Guards
  • Canada Navy
  • Canada Army
  • Military Veterans
  • Military Spouses and Family

You can read more about eligibility by talking to an expert from Surex.

#2: Overseas Deployment

There is a high chance that you may be deployed overseas in your tenure of service in the military. Many insurance companies offer additional discounts for military personnel who have been deployed overseas. Such additional perks and discounts are provided because while you’re overseas, your vehicle is most likely not going to be used and will predominantly be standing in your garage.

The best way to begin your quest is to speak with a licensed car insurance agent who is well-versed in the specific specifications of the job. This will help you maintain continuous coverage and avoid fines due to lapses in auto insurance.

#3: Getting Lower Rates of Premium

There are some factors that you could consider in order to get extra discounts on your premium. These factors are:

  • Driving fewer miles annually.
  • The more years of driving experience you have, the better.
  • Having a vehicle with safety features
  • Putting two or more policies together
  • Insuring two cars at the same time

#4: Military and Veteran Auto Insurance Difference

Service members’ car insurance plans are basically the same as everyone else’s. However, to account for the fact that active-duty service members use their personal vehicle less than other drivers, some auto insurance companies provide special coverages or discounts.

If you are a veteran, there is a probability that your premium might be higher than active-duty military personnel.

In some insurance companies, you will get a discount of up to 60% if you are deployed and store your car so that it cannot be powered. This is especially beneficial for service members who do not have family members who might need access to their car. And if you want to keep your car in a garage on your military base, you can save up to 15% on your comprehensive insurance policy.

#5: Price And Quality

Before buying your auto insurance plan, always make sure if the price you are paying is worth the amount and quality of the coverage you are getting. Remember, the quality of your coverage should not be compromised.

Do not hesitate to pay a little extra if that can get you the best insurance. Insurance is a kind of investment you make. Always check quotes and catalogues of different insurance companies and then choose the best one for you.

Frequently Asked Questions (FAQs)

1.What are some things you must keep in mind while searching for appropriate military insurance?

The first thing would be to check the liability coverage in case of any damage to your vehicle. Secondly, check that the insurance company also provides repair coverage in case your vehicle needs a repair.

2. I am being deployed overseas, will I need to store my vehicle?

In most cases, yes! The insurance company will require you to store your vehicle in a safe place. If the agreement states that you do not need to store your vehicle and another member of your family can use it while you are gone, that would be a different case – and a favoured one. Such restrictions on usage usually come with lesser rates of premium.

3. What is the usual percentage of discounts offered to people in the military?

Although it completely depends on the insurance company you are choosing, the usual discount starts from 10% and can soar as high as 50%. There are various factors that affect the rate of discounts – check point #3 to get a list of the same. Try to tick off as many boxes as possible from the list. This will make it easier for you to get more discounts.


When it comes to our soldiers and military personnel’s dedication, being able to reduce their financial burden would be a good place to start with. Giving them better deals on their auto insurance, for example, is a step in the right direction. Several armed forces auto insurance companies can guide you to choose the most appropriate quotes for effective coverage as per your affordability.

There are a few insurance companies that have optimal policy provisions suitable for Canadian military personnel. We hope this article was helpful to you. You can avail yourself of the best auto insurance policy by checking it out on a trusted platform, that is, Surex.

Written by George K.

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