Checklist for taking your vehicle out of storage

Did you store a vehicle that is only used for part of the year? Here’s a checklist from the La Capitale blog to help you remember what to do when you start using your vehicle again.

 

Did you reinstate your insurance coverage?

If you suspended your vehicle’s insurance coverage while it was stored, you need to contact your insurer to reinstate it. Do it as soon as you know what date you will be using your vehicle again. You may not have to make a call: See if your insurer allows you to reinstate your stored vehicle’s insurance online, as does La Capitale.

 

Are you entitled to a storage credit?

Some vehicles, such as motorcycles, ATVs, boats and snowmobiles, are only used on a seasonal basis. The premiums for these vehicles take this into account and are then spread out over the year. Therefore, you won’t receive a storage credit for these vehicles.

 

Other vehicles, such as cars and motorhomes, can be used all year round. A portion of the premium is reimbursed if these vehicles are stored for a certain period of time. However, premiums for fire, theft and vandalism coverage are not reimbursed since this coverage remains valid while the vehicle is stored. That’s why the reimbursement from your insurer will not be exactly proportional to the storage period.

 

How do you reinstate your vehicle’s registration?

To begin using your vehicle again, you must reinstate the registration. Go to the “online services” section at saaq.gouv.qc.ca, the Société d’assurance automobile du Québec (SAAQ) website. You can also go to an SAAQ service point.

 

Good to know:

  • The SAAQ requires that any vehicles that have been stored for more than 12 consecutive months be inspected by a mechanic before it will reinstate registration.
  • It’s best to reinstate registration at the beginning of the month, since you must pay the full month when reinstating registration.

 

 

Take advantage of the partnership with La Capitale!

If you’re a DuProprio buyer or seller, ask La Capitale General Insurance for a quote. You’ll receive an additional 5% discount, and you could save up to $425 by bundling your home, auto and leisure vehicle insurance.

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