Personal Auto Insurance Coverage in Ontario

Protection, Confidence, & Personalized Service in Every Policy

At Roughley Insurance Brokers, your auto insurance experience begins with a dedicated broker who takes the time to understand your specific driving habits, vehicle usage, and coverage priorities. Unlike direct writers who might offer a one-size-fits-all approach, our brokers build protection strategies tailored specifically to you.

As an independent brokerage, we’re not tied to any single insurance provider. This means we can objectively compare policies from multiple companies to find the right balance of coverage and value for your unique situation. Our loyalty lies with you—not with the insurance companies.

Strong Provider Network: Trusted Partnerships with Top Canadian Insurers

We’ve cultivated relationships with over 70 of Canada’s most respected insurance providers, giving you access to a breadth of options simply not available through direct writers. These partnerships also give us leverage when advocating for you during the claims process.

Personal Auto Insurance Coverage in Ontario

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We'll find you the right coverage.

    Coverage Options Customized for You

    Essential Liability Coverage:

    Required Protection and Peace of Mind
    Every Ontario driver needs liability protection, but the standard minimum may not be enough. We'll help you determine the appropriate liability limits based on your assets and risk exposure, ensuring you're properly protected if you're found responsible for damages or injuries to others.

    Comprehensive Coverage:

    Safeguard Your Vehicle from Theft, Vandalism, and More
    Your vehicle faces risks even when it's parked. Comprehensive coverage protects against theft, vandalism, fire, severe weather, falling objects, and other non-collision incidents. We'll help you assess whether this coverage makes sense for your vehicle and situation.

    Collision Coverage:

    Coverage that Gets You Back on the Road
    When your vehicle is damaged in an accident, collision coverage pays for repairs regardless of fault. Your Roughley broker will explain deductible options and help you choose the right level of protection based on your vehicle's value and your financial comfort zone.

    Additional Protections:

    Roadside Assistance, Rental Coverage, Accident Forgiveness
    Enhance your policy with valuable endorsements that provide extra peace of mind. From emergency roadside service to rental vehicle coverage and accident forgiveness, these add-ons can save you significant out-of-pocket expenses and protect your premium rates.

    Do You want to find right coverage?

    Why Brokered Auto Insurance Makes Sense

    Tailored Solutions:

    Personalized Policies Designed Around You
    Your driving habits, vehicle value, and risk tolerance are unique. Working with a Roughley broker means getting coverage custom-fitted to your specific needs—not a generic package designed for the average driver.

    Cost Efficiency:

    Exclusive Discounts and Savings Opportunities
    Our brokers identify every discount you qualify for across multiple insurers. From multi-vehicle and multi-policy savings to special rates for drivers with clean records, we ensure you receive every cost advantage available. Plus, we can often access exclusive broker-only discounts not available to the general public.

    Expert Claim Assistance:

    Immediate Support When You Need It Most
    When you need to file a claim, your Roughley broker becomes your advocate—explaining the process, communicating with adjusters, and helping ensure a fair settlement. This personalized support can make all the difference during a stressful time.

    Fast and Stress-Free Claims

    Immediate Response:

    Quick and Efficient Claims Handling
    Our claims response begins the moment you contact us. Your Roughley broker will guide you through the initial steps, connect you with the right resources, and keep you informed throughout the process. We understand that prompt claim resolution is crucial to getting your life back to normal.

    Dedicated Support:

    Your Broker Guides You Every Step of the Way
    Your broker serves as your personal claims advocate, working to ensure your policy benefits are fully realized. We take care of the paperwork and negotiations so you can focus on recovery and getting back on the road.

    Reliable Results:

    Smooth and Transparent Claim Experiences
    We've cultivated strong relationships with claims departments across our carrier network, allowing us to navigate the process efficiently on your behalf. Our experience means fewer delays, clearer communication, and better outcomes.

    Do You want to find right coverage?

    Auto Insurance FAQs

    What Affects My Insurance Premium?

    Multiple factors influence your auto insurance rates, including:

    • Your driving record and claims history
    • Vehicle make, model, and age
    • Annual mileage and commute distance
    • Your age, gender, and marital status
    • Where you live and park your vehicle
    • Your coverage selections and deductibles
    • Available discounts and bundling options

    Understanding these factors helps us identify opportunities to optimize your coverage and cost.

    Ways to Lower Your Insurance Costs

    Working with a Roughley broker gives you access to numerous savings strategies:

    • Bundle auto coverage with home or other policies
    • Maintain a clean driving record
    • Consider higher deductibles if financially comfortable
    • Install anti-theft devices or telematics systems
    • Ask about usage-based insurance options
    • Take advantage of professional or alumni discounts
    • Review and adjust coverage on older vehicles

    We'll help you explore these options without compromising the protection you need.

    Legal Coverage Requirements in Ontario

    Ontario law requires all drivers to carry:

    • Third-party liability coverage (minimum $200,000)
    • Statutory accident benefits
    • Direct compensation property damage coverage
    • Uninsured automobile coverage

    However, these minimums may not provide adequate protection. Your Roughley broker will explain why most drivers benefit from higher liability limits and optional coverages tailored to

    What Our Clients Say

    Experience Auto Insurance Tailored for You Trust Roughley Insurance Brokers for Coverage That's Simple, Comprehensive, and Personal.
    Want to know more about us? Just download brochure...

    Our History

    Harold Roughley founded H.G. Roughley Limited on September 18, 1945, and from the very beginning, the brokerage has established itself as a valuable and valued member of the Durham Region community. Click here to read about our rich history and lasting legacy.

    Claims Advocate

    Our dedicated Claims Advocate will be with you every step of the claims process, ensuring you receive the support and assistance you need. Click here to read more about how we guide you through every claim.

    We Shop Around and Negotiate

    We use the most advanced technology available to review every renewal and find the best coverage for you. Click here to view our list of Insurance Partners and see how we secure the best deals for our clients.

    Our Team

    Every member of our team is a part of the Roughley family. Our team lives where you do – we could be your neighbours! Click here to meet our dedicated team and learn more about their commitment to serving you.

    Community Involvement

    At Roughley Insurance, we pride ourselves on our community involvement. Giving back to the community that has given us so much is at the forefront of our organization’s values. Click here to read more about our initiatives and how we contribute to local causes.

    We’re Local

    We aren’t a call centre or a complicated phone tree of customer service. We are real people who can be found in Oshawa and Bowmanville. Our local presence ensures personalized and immediate service to our community members.

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