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.

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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.

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.

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
pete duarte2024-08-25Trustindex verifies that the original source of the review is Google. Gary Strange has been great to deal with, he has always been able to handle my sometimes complex and unique insurance needs. He takes time to get to know his customers, and has helped me for many years with my business insurance. I highly recommend Gary and Roughley Insurance brokers. mike eid2024-08-21Trustindex verifies that the original source of the review is Google. Professional good service good people 👍 Maureen Taylor2024-07-11Trustindex verifies that the original source of the review is Google. They care about people. john devries2024-06-12Trustindex verifies that the original source of the review is Google. Rob was diligent and professional. The best insurance expierence ever! Katie Sullivan2024-05-21Trustindex verifies that the original source of the review is Google. Marsha was very helpful and kind when I called to reinstate my policy. She helped me sort out my issues very quickly and helped me get a new policy within 24 hours. Tracy Tremblett2024-04-01Trustindex verifies that the original source of the review is Google. I have been with Roughley for a while now! Always great customer service!!! Marsha M. went above and beyond for me today with the purchase of my new suv! Thanks so much Marsha and team Roughley! I highly recommend Roughly for best insurance quotes and friendly, reliable customer service!!!!! Patricia Harrison2024-01-02Trustindex verifies that the original source of the review is Google. Friendly helpful staff..they check around for good deals . Definitely would recommend this insurance company cassie2024-01-02Trustindex verifies that the original source of the review is Google. Everyone here is wonderful to deal with, they give great customer service! very impressed- Barry Barton Alison Iantomasi2023-12-27Trustindex verifies that the original source of the review is Google. Great insurance brokers. Excellent service, always approachable to ask questions and get answers quickly. Competitive pricing. Highly recommend.