Which citizens insurance policies cover you when your car breaks down?

The federal government says it will introduce legislation to protect consumers from the loss of their personal property when a vehicle breaks down.

The move comes after the crash that killed cyclist Andrew Cripps last month.

The Liberals announced they will bring in new rules this week that will allow insurance companies to negotiate rates for homeowners who do not have insurance and the cost of replacing a car with one with insurance.

The Insurance Bureau of Canada says the new legislation will be rolled out over the coming months.

The federal Conservative government has been struggling with its own insurance problems, and a new bill is expected to be tabled later this week.

Insurance companies say they need more flexibility to adjust rates when the market changes, and that it will be up to consumers to negotiate their own rates.