Auto insurance in Ontario is mandatory, but how it's structured matters. We shop the market to make sure you're properly covered, competitively priced, and set up with the right optional coverages for your situation.
You could be held responsible for injuries and property damage in a collision. This part of your policy helps cover legal fees, settlements, and court awards. We recommend $2M liability, though higher limits may be available.
Covers a range of medical benefits not covered by provincial health care including rehabilitation and attendant care. It can also replace lost income if you can't work and can cover a caregiver for your kids or an elderly parent. There are affordable options to increase coverage beyond what's included.
When you are in a collision and not-at-fault, this part of your policy pays for your vehicle's damages with no deductible. It also includes coverage for items inside your vehicle and a rental car.
Collision coverage pays to repair your vehicle after an accident. We recommend choosing a deductible that's right for you. Higher deductibles means you pay less but are out of pocket more during a claim.
Comprehensive coverage pays for damage to your vehicle beyond your control such as fire, theft, vandalism, water damage and flying debris.
All Perils coverage combines Collision and Comprehensive together with the same deductible. It also adds coverage for theft of the vehicle by a family member.
Loss of use coverage pays for a rental car or other transportation while your vehicle is being repaired due to an insured loss. If you rent vehicles, there's also an option that can help cover the gap so you don't need to buy the rental company's insurance.
Collision coverage pays to repair your vehicle after an accident. We recommend choosing a deductible that's right for you. Higher deductibles means you pay less but are out of pocket more during a claim.
Comprehensive coverage pays for damage to your vehicle beyond your control such as fire, theft, vandalism, water damage and flying debris.
All Perils coverage combines Collision and Comprehensive together with the same deductible. It also adds coverage for theft of the vehicle by a family member.
Loss of use coverage pays for a rental car or other transportation while your vehicle is being repaired due to an insured loss. If you rent vehicles, there's also an option that can help cover the gap so you don't need to buy the rental company's insurance.
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There are many low-cost coverages you may not even know are available. The value of a good broker is our choice of carriers and deep knowledge of our partners.
We generally recommend $2M liability as a baseline, and $5M for higher exposure. The cost difference is often smaller than people expect.
Many people should consider increasing accident benefits limits, especially sole proprietors or households without robust workplace coverage. We'll explain the options and cost.
Waiver of depreciation ensures you receive the original purchase price of the vehicle without depreciation. This is extremely important for newer vehicles.
We generally recommend $2M liability as a baseline, and $5M for higher exposure. The cost difference is often smaller than people expect.
Many people should consider increasing accident benefits limits, especially sole proprietors or households without robust workplace coverage. We'll explain the options and cost.
Waiver of depreciation ensures you receive the original purchase price of the vehicle without depreciation. This is extremely important for newer vehicles.
These are the options that often come up when you want a complete package. We will recommend what fits your vehicle, your driving, and your budget.
While $1M is the minimum, we recommend $2M+. If you have higher exposure or higher assets to protect, adding a personal umbrella may make sense. We'll show you the cost difference and help you choose.
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