Auto Insurance
Focus on enjoying the ride. Let us find you the best coverage.
Determining the right insurance coverage and finding the best rates can be confusing, time consuming and stressful, but you don’t have to navigate the entire process alone.
Our insurance experts understand that every vehicle and driver in Ontario is unique, and that is why we help you choose the right auto insurance, offering various coverage options tailored to your specific needs. Whether you use your vehicle for daily work commute, running errands, enjoying weekend adventures, or occasional use, we’ve got you covered.
Car insurance includes both mandatory and optional coverages. It’s important to determine your coverage needs and budget. Remember, adding extra coverage will increase your rates, and factors like age, accident history, or tickets can also affect your premiums.
Trust Our Brokers for Expert Guidance. Contact us now to receive a free quote.
MANDATORY AUTO INSURANCE
Before you take the wheel in Ontario, you should know that if you do not have insurance, you are not allowed to drive a motor vehicle. It is required by Law.
If you own a vehicle in Ontario, you are required to have a Standard Coverage, which includes:
- Third-party liability: Provides coverage for you or other insured persons if someone else is injured, killed, or their property is damaged in an automobile incident. It covers legitimate claims against you or other insured persons up to the limit of your coverage, including the cost of settling claims.
- Accident Benefits: Provides benefits that you and other insured persons may be entitled to receive if injured or killed in an automobile accident. These benefits include income replacement for those who have lost income, payments to non-earners who suffer a complete inability to carry on a normal life, coverage for care expenses for individuals who can no longer act as primary caregivers for a household member, payment of medical, rehabilitation, and attendant care expenses, as well as certain other expenses. It also covers funeral expenses and provides payments to survivors of a deceased individual.
- You may also purchase optional benefits to increase the standard level of coverage provided in your policy.
- Uninsured automobile coverage: Provides coverage if you or other insured persons are injured or killed by an uninsured motorist or an unidentified driver, such as in a hit-and-run incident. It also covers damage to your automobile and its contents caused by an identified, uninsured motorist, subject to a $300 deductible.