Car insurance in Ontario.

The right coverage.
Wherever the road takes you.

You have a lot riding on your wheels.

Car, truck, SUV or van - whatever your ride, relax knowing that you, your loved ones and your vehicle are protected.

Auto insurance in Ontario

Basic insurance - it's the law.

Car insurance liability coverage is mandatory for driving in Canada. Fines for vehicle owners and drivers who do not carry valid auto insurance can range from $5,000 to $50,000. Beyond the mandatory liability coverage in order to operate a vehicle, there are other options (see below) that you should consider to ensure that you are properly protecting your asset.

Third party liability
This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage but options exist to increase the minimum amount
smiling couple holding car keys in front of new car

Additional Options

No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car.

Protects you from costs to repair damage to your vehicle cause by impact with another vehicle or an object such as a guardrail.

Protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism, cracked windshield and natural disasters. This type of damage usually arises when your vehicle is not being driven. This coverage pays for losses, other than those covered by Collision and Upset.
Protection that combines both the Collision & Upset and Comprehensive coverage.
Often referred to as “Loss of Use” coverage, this covers the cost of a rental vehicle while your vehicle is being replaced or repaired, if the damage or loss is caused by a peril for which you are insured for.
If you are injured or are killed as a result of a car accident, there are basic accident benefits coverage that are automatically included in your policy, including income replacement; medical rehabilitation and attendant care; funeral and death expenses. Optional accident benefits are also available above the standard accident benefits in your auto policy.
If you cannot work as the result of an automobile accident, you may be eligible for basic weekly income replacement benefits of 70 per cent of your gross income up to $400. This is included in your basic coverage. If this is not enough to cover your current after tax income level, you may want to consider buying optional income replacement benefits to increase your maximum weekly benefit to $600, $800 or $1,000. When considering the amount of coverage you will need, keep in mind you are required to first claim wage loss benefits from a disability plan you have purchased or workplace benefits that you have access to.

The standard maximum amount for medical, rehabilitation and attendant care expenses, such as physiotherapy, chiropractic treatment or an aide to assist you if you have been seriously injured is $65,000. If you are catastrophically injured, the standard maximum is $1,000,000. Optional benefits are available up to $3,000,000.

This coverage removes the insurance company’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by a peril for which are insured for. Meaning that if you purchase your vehicle for $50,000 brand new and one year later, your vehicle is completely destroyed in a car accident, if you carry this coverage, the insurance company will pay you the $50,000 that you paid for the vehicle and will not factor in the depreciation that would usually apply to a vehicle that has been driven for one year.
If you are not employed, are providing care full-time to dependants like children or aging parents, and can no longer provide that care as the result of an automobile accident, you may be eligible for caregiver benefits if you need to hire someone to care for your dependants.
If you are unable to perform your usual housekeeping or home maintenance duties, you may be eligible for these benefits if you need to hire someone to perform the duties.
Provides for an annual adjustment for inflation for Income Replacement, Medical, Rehabilitation and Attendant Care and other benefits, determined according to the Consumer Price Index of Canada.
Covers the difference between the at-fault driver’s liability limit and your own liability limit. Therefore, if you’re involved in a car accident with someone with less liability coverage than you, and they are responsible for your injuries from the accident, you have the ability to access your higher liability limits.

Relax. We’ll find you the best insurance coverage so you’re protected.

How to lower your premiums.

Have a great driving record? You may be eligible for one of these discounts:

Talk to one of our insurance experts today.

Additional ways to save

Have questions about car insurance?

Check out our FAQ

Your insurance premium is first based on your personal profile which includes the following factors:
  • The type of vehicle your drive
  • Your driving record, including previous accidents, the length of time you’ve been licensed, whether you’ve taken driver training, speeding tickets, impaired driving convictions, etc. The better your record is, the better your premium.
  • Where you live.
  • Your age, gender and marital status.
  • The amount you drive.
Once your personal profile is established, your premium will be based on the amount of coverage your purchase, the deductibles you select and the insurance company that you choose to be insured with.

Yes.  Choose a vehicle with good security features.  For example, if you buy a vehicle with a high theft rate, your premium will be higher.

Yes, as long as you have provided them permission to drive your car and they have a valid driver’s license. However, if they are involved in an at fault accident in your vehicle, your insurance policy will respond under the coverage that you have purchased but the at fault accident may be rated under your insurance policy going forward.
If your vehicle is being repaired as a result of an insurable accident (not because of wear and tear on your vehicle) and you have purchased the rental car endorsement which is often referred to as the “Loss of Use” coverage, you will get a replacement vehicle according to the coverage that you have purchased.
Most insurers allow you to remain out of the province for up to 6 months in a 12-month policy period.

All licensed drivers in your household must be disclosed. If they are not currently listed on an auto insurance policy, they must be listed on yours or specifically excluded as a driver.

More information about auto insurance.

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