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Cannabis and our insurance

The recreational use of cannabis is now legal, and many of us are concerned about impaired driving.

This new legalisation poses many questions for Canadians, among some of them, are questions regarding its effect on our insurance coverages.

CAR INSURANCE

A conviction for drug-impaired driving is comparable to a conviction for alcohol impaired driving.

Under existing underwriting rules, both are considered Criminal Code offences subject to a premium surcharge or refusal of coverage.

In one word, the existing exclusions and reductions in coverage for impaired driving will also apply for drug-impaired driving.

HOME INSURANCE

There will be no impact on home insurance coverage if we grow or possess cannabis in quantities and under conditions that are permitted by law. However, a common exclusion applies for any illegal drug operation.

DRIVING UNDER THE INFLUENCE OF CANNABIS DOUBLES THE RISK OF BEING INVOLVED IN A TRAFFIC ACCIDENT

No need to have already smoked a “little pot” to know that cannabis causes a decrease in vigilance. To this, let’s add:

  • a decrease in concentration
  • slower reflexes
  • poor coordination
  • longer reaction times, and impaired judgment

So, we risk facing the following situations: Failure to notice road signs, difficulty maintaining a constant trajectory, passing other vehicles in an unsafe manner, taking too long to brake, etc.

Everyone today understands the dangers of driving while intoxicated, it is also important to know that the same dangers exist for those who dare to drive under the influence of cannabis.


Jackie Beaudoin, Leclerc Insurance and Financial Services
Sources :  Aviva communications, SAAQ Website