Affordable Insurance for Right-Hand Drive Vehicles in Canada
Whether it’s a Japanese domestic sports car or a classic coupe from the UK, we make it easy to find affordable right-hand drive (RHD) insurance. Our brokers specialize in helping you get the coverage you need at a competitive price.
We’ll Find the RHD Coverage That’s Right for You
As a brokerage working with over 70 of Canada’s leading insurance companies, we have access to some of the best coverage and rates for right-hand drive (RHD) vehicles. And if your RHD is a collector’s item, you may even qualify for classic car coverage. Discover why so many RHD drivers across Canada choose us for protection and peace of mind.
What Influences RHD Insurance Rates?
Driving an imported right-hand drive vehicle? Here are some of the main factors that can affect your insurance premiums:
Modifications
Custom work or modifications can impact both the value and safety of your RHD vehicle. Always let your broker know about changes so your coverage reflects the true risk.
Repairs and Replacements
Because RHD cars aren’t domestic, parts can be harder to source and repairs may take longer. This can influence your overall insurance costs.
Different Sightlines
RHD vehicles require drivers to adjust to new sightlines, which insurers may view as a safety risk. This adjustment period can result in slightly higher premiums.
Mileage and Storage
Limiting how much you drive your RHD vehicle—especially avoiding winter use and storing it in a secure location—can help you save money on coverage.
Good to Know: Common Questions About Right-Hand Drive (RHD) Auto Insurance
Own a right-hand drive vehicle or planning to get one? Many drivers struggle to find RHD insurance, but if your vehicle is road legal in Canada, we can help insure it.
Which RHD vehicles are legal in Canada?
New RHD vehicles can’t be manufactured or imported into Canada. However, this restriction doesn’t apply to cars that are more than 15 years old, which can still be imported and driven legally.
Why is it hard to find RHD insurance?
RHD vehicles are always imports, and many aren’t built to North American safety and emissions standards. Because of this, some insurers are reluctant to cover them. At Koch B & Y, we specialize in finding solutions for unique and rare vehicles.
Who can get RHD insurance?
We can insure any licensed Canadian driver with a legal RHD car. Special programs may be available for experienced drivers with 10+ years of clean driving history.
How much does RHD insurance cost?
Premiums depend on factors like location, driving history, vehicle type, and how often it’s used. As a general guideline, RHD vehicles often cost about 50% more to insure than comparable North American left-hand drive models.
Does the country of manufacture matter?
Yes. RHD vehicles from the UK (such as Land Rovers, Minis, or Morgans) often have more coverage options than vehicles imported from Japan or other regions. Still, if your car is road legal, we can help insure it.
Can I insure my RHD car as a classic vehicle?
In some cases, yes. To qualify for classic car coverage, you’ll generally need:
- A clean driving and insurance record
- At least one other insured daily-use vehicle
And your RHD vehicle must be:
- Over 20 years old
- Not used for daily driving
- In stock condition (no major modifications)
What documents are required for a policy?
If you want collision and comprehensive coverage, you’ll likely need a vehicle appraisal to establish its value. For imported cars, you’ll also need import papers, photos of all four sides of the vehicle, ownership documentation, and a photo of the VIN plate.
Can RHD car clubs get coverage?
Yes. We’re experienced in insuring all types of
vehicles, including RHD, and can help both
individual owners and enthusiast clubs secure
competitive coverage and rates.
As a brokerage working with over 70 of Canada’s
leading insurance companies, we provide access to a
wide range of coverage options at some of the most
competitive rates in the country. Want to explore
the solutions available to you? Here are just a few
examples.
As a brokerage for over 70 of Canada’s top insurance companies, we have access to a wide range of insurance solutions at some of the best rates in Ontario. Want to learn more about the coverage options available to you? Here’s a few of them.