Ensure you’re protected no matter what the road brings.

In Canada, auto insurance is mandatory, and driving without insurance can land you serious fines. In the case of an accident your auto insurance policy will cover your vehicle, the driver and passengers, as well as any pedestrians and property involved. Here is what your insurance policy can do for you:

  • Cover the cost of vehicle repairs or replacement.
  • Cover medical expenses related to an accident.
  • Protects you against legal damages.
  • Protects you against uninsured or underinsured drivers.
  • May cover expenses due to unexpected things like windshield damage, theft, vandalism or other disasters.

How your policy rate will be calculated

What do our insurance partners take into consideration when offering a rate for your auto insurance?

  • Your vehicle (The make, model, year and modifications)
  • Your driving records, and those of others in your home who may drive the vehicle
  • Your average driving distance to work or estimated annual total kms
  • Where you live

Did you know you can lower your premium?

Choose the right vehicle: You may be able to achieve a lower insurance rate by doing some research on your vehicle before you purchase or lease. If your vehicle is less expensive to repair as well as harder to steal, you pay less to insure it.

Choose the coverage you need: There are optional coverages that may not make sense for you and your needs, removing or lowering these minimums can reduce your overall insurance cost.

Learn about the many ways you can lower your premium​ (Insurance Bureau of Canada).

We Find you the right coverage at the right price.
Let our Friendly team of experts work for you.

Call us today 1-888-302-6388
Call us today 1-888-302-6388
Office hours Monday - Friday 8:30am - 4:30pm

Auto Insurance Tips

Involved in an Accident

Being involved in an accident can be a very stressful event. To help you protect both yourself and your interests, we have provided some basic hints:

  • Call the police immediately, and an ambulance if necessary.
  • Do not admit liability.
  • Record details of the accident including date, time, location, a description of the accident, any injuries, and any charges laid.
  • Record details concerning the other party and vehicle such as the owner’s name and address, phone number, and vehicle year, make and model.
  • It is very important to obtain the insurance information of the other driver. This includes the name of the insurance company and the policy number and the name of the broker or agent.
  • Obtain a copy of the police report from the attending officer as this will have the accident report number for future reference.

These tips are general rules of thumb only, and may not fit all situations. For the definitive word, contact your insurance broker for more information.

Distracted Driving

You could be charged with distracted driving if you are found operating your vehicle while operating any of the following devices;

  • a phone or other hand-held wireless communication device – you can only touch a device to call 911 in an emergency
  • a hand-held electronic entertainment device (tablet or gaming console)
  • any display screen viewing unrelated to driving, like watching a video
  • a GPS device, unless operating through voice commands (Tip: You may view GPS screens as long as they are securely mounted or built into your vehicle dashboard.)

To avoid any concerning situations we recommend investing in a hands-free wireless devices such as an earpiece, lapel button or Bluetooth.

If you are someone who can’t help but multitask while you drive, be aware that actions such as drinking your morning coffee, eating, grooming, smoking, reading and reaching for objects, while not part of Ontario’s distracted driving law, can still lead you to be charged with careless or dangerous driving depending on the incident and officers discretion.

Mandatory vs. Optional Coverage

In Ontario, mandatory insurance coverage protects an insured driver and/or car owner in the event that a person suffers property damage, is injured or killed as a result of the driver’s negligence.

Ontario drivers can add additional optional insurance coverage to cover their vehicle in the event of an accident. The four optional auto insurance coverages are​: collision, specified perils, comprehensive and all perils.

Theft Prevention

Although you can not ensure your vehicle will not be stolen, you can take a few easy steps to prevent the likelihood of it happening by making it more difficult for a thief to steal your vehicle and its contents.

  • Always lock your vehicle, and take your keys with you.
  • Never leave money, purses or devices in the open. Conceal items in your car or move them into your trunk.
  • Install an anti-theft deterrent such as car alarms or an ignition disabler.
  • Whenever possible, park your vehicle in a well-lit, well-guarded, highly visible area.
  • Ask your neighbours to watch out for your vehicle and do the same for them.

Terms you need to know

Collision: This pays for losses or damage to your car caused by a collision.

Comprehensive: This pays for losses or damage to your car caused by something other than a collision (e.g., fire, theft, vandalism).

No-fault insurance: No fault simply means that, regardless of who is at fault for an auto accident, each driver’s insurance company will handle their claim. You deal with your insurer, the other driver deals with their insurance company for all claims matters.

For more definitions, please our full Glossary of Insurance Terms.