Alberta is moving to a “Care-First, Privately Delivered” auto insurance system on January 1, 2027. The goal is faster access to treatment and more predictable costs by shifting the focus from court battles to care. The new framework was announced in late 2024, with legislation advanced in March 2025 and ongoing implementation through 2026.

In Alberta, distracted driving isn’t just a $300 mistake — it’s a fast track to higher premiums, lost discounts, and a spot on your insurer’s “risky driver” list. From phone habits to premium hikes, here’s why your next message can cost more than you think.

Selling a car privately generally means more money in your pocket than trading it in, plus the satisfaction of closing the deal yourself.
It also means extra steps to avoid scammers, legal headaches and the kind of buyer who suddenly “forgot” their wallet.

Standard Endorsement Forms (SEFs) allow you to customize your policy to fit your needs. Here’s a breakdown of five common SEFs in Alberta and how they can benefit you.

Worried about Alberta’s harsh driving conditions? SEF 43R and SEF 18 ensure your new vehicle is replaced at its current MSRP if totaled, even if prices have risen.

Is drivers’ training worth it in 2025? With Alberta premiums averaging $1,763 in 2024 and rising, we crunched the numbers—savings range from $48 to $549 for a male driver, $182 to $421 for a female. Learn how training boosts your insurance rating, enhances safety, and pays off long-term.

Learn about Vehicle Inspection Reports (VIRs) with McDonalds Insurance! Discover why Alberta insurers now require VIRs for vehicles over 12 years old, what’s involved in the check-up, and how to save money with local Didsbury mechanics for a safe, roadworthy ride. Contact us at 403-335-3442 for guidance.

We’re always keeping an eye on trends that could impact our clients’ premiums.
Lately, there’s been a buzz about Tesla vehicles—and not just because of their sleek design or electric efficiency

Discover the latest on Alberta's auto insurance reforms with insights from McDonalds Insurance. Learn how the 2025 rate cap rises to 7.5% (5% base + 2.5% rider for natural disasters like the Jasper wildfire), the 2027 shift to a Care-First no-fault model, and what it means for your premiums and claims.

Get your vehicle winter-ready with expert tips from McDonalds Insurance! Learn how to prep tires, fluids, and brakes for Alberta’s harsh winters, plus discover winter tire discounts that save you money and boost safety. Stay safe on Didsbury roads this season.

Welcome to a blog post that may contain the number 25 a few times (Sorry, not sorry) – and no, it’s not a coincidence! We’re diving into the world of auto insurance for new drivers and exploring the unique needs and challenges they face. So, fasten your seatbelts, and let’s start this 25-themed journey.

A rare celestial event that left a significant dent in a Chev Malibu and marked one of the few times in history that a meteorite has directly hit a manufactured object on Earth.

Beware of Re-VIN’ed Vehicles: What You Should Know Before Buying Your Next Car

Starting January 1, 2024, Albertans will only need to report collisions to the police if the property damage exceeds $5,000, a significant jump from the current threshold of $2,000.

Insurance can sometimes feel like navigating a maze. Among the many terminologies, deductibles are one of those puzzling concepts that often leave people scratching their heads. So, let’s clear the fog and shine a light on this often misunderstood insurance principle.