In Ontario, it is mandatory to have certain coverage for your automotive and recreational vehicles including; cars, vans, SUV’s, Trucks, Motorcycles, ATV’s and Dirt Bikes, Snowmobiles, Classic Cars, Farm Vehicles, Boats and Powered Water Vehicles. DoorDash and other food delivery also require proper coverage in order to operate.

A comprehensive insurance policy for your vehicle protects you from financial loss, should you experience an accident, damage or theft of your vehicle. This protection is offered from the contract you have in place between yourself and your insurance carrier.

Our team of experts can help you to determine the right coverage while explaining all of the options available. We’ll help you to fully understand the details of your policy and what to do in the event that you need to file a claim.

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Third Party Liability

This type of coverage protects you as a driver, should an accident cause property damage, injury, or death to another person. If you are found liable for damages, you will be insured up to the amount of your coverage, from claims resulting from the accident, as well as for the costs of settling those claims. The minimum coverage required by law for Third Party Liability Coverage is $200,000 however, higher options are available for you to choose. We recommend that you increase your minimum liability coverage to $2,000,000 to ensure that you are fully covered. You can increase your coverage from $1,000,000 to $2,000,000, or you can add a personal umbrella for higher limits.

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Accident Benefits

Statutory Accident Benefits Coverage provides you with benefits in case of an injury from an accident, regardless of who caused it. Benefits include any medical costs beyond what is covered by healthcare, rehabilitation and attendant care, as well as replacement of any lost income due to the accident. This type of coverage can also cover the costs of being unable to provide for someone if you are their caregiver, and non-earner benefits. You can increase your Accident Benefits Coverage for expenses, such as: medical and rehabilitation, attendant care, income replacement, death and funeral, and more by speaking to one of our advisors to explore the coverage that makes you feel comfortable.

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Direct Compensation Property Damage

DCPD Coverage insures your vehicle against damages in the case of an accident for which you are not responsible. This type of coverage also protects the contents of your vehicle if they are damaged or destroyed, and covers you from the costs associated with losing use of your vehicle.

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Uninsured Vehicle Coverage

Insures you and your loved ones against injury or death by a hit-and-run or uninsured driver. It can also cover your vehicle damage in the event that the other driver, if they are identified, does not have insurance of their own.

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Emergency Car Kit

To keep you safe in the event of an emergency, we recommend keeping a kit with the following items in your motorized vehicle(s) at all times:

  • Jumper cables and a self-contained battery
  • Flashlight with new batteries
  • Tire-inflation product
  • First-aid kit
  • LED light source and safety triangle
  • Protein bars
  • Bottled water
  • Work gloves
  • Snow brush with ice scraper
  • Blanket for every passenger
  • Cell phone charging cable
  • Paper towels
  • Glass cleaner
  • Extra washer fluid
  • Basic tools (screw drivers, wrenches etc.)

Is It Time To Get Behind The Wheel Of Your Classic Car?

When the nice weather comes, the covers come off the classic cars. It’s important to know what value your collectible asset has. Did you know that in the event of a total write off, you receive the agreed value of your vehicle? This is why it’s integral to make sure your classic car value is current and correct. Click below to start the evaluation process.

Quick Evaluation of your vehicle

Frequently Asked Questions

If you are still interested in learning more about Auto & Vehicle Insurance, click below to read our answers to frequently asked questions.

Third Party Liability - Protects you as a driver should an accident cause property damage, injury, or death to another person. If you’re found liable for damages, you will be insured up to the amount of your coverage, from claims resulting from the accident, as well as for the costs of settling those claims. The minimum coverage required by law for Third-Party Liability Coverage is $200,000; however, higher coverage options are available and recommended.

Accident Benefits - Statutory Accident Benefits Coverage provides you with benefits in case of an injury from an accident, regardless of who caused it. Benefits include any medical costs beyond what is covered by healthcare, rehabilitation and attendant care, as well as replacement of any lost income due to the accident. Accident Benefits Coverage can also cover the costs of being unable to provide for someone if you are their caregiver, and non-earner benefits.

Direct Compensation – Property Damage – DCPD coverage insures your vehicle against damages in the case of an accident for which you are not responsible. It also protects the contents of your vehicle if they are damaged or destroyed, and covers you from the costs associated with losing use of your vehicle.
Uninsured Automobile Coverage - Coverage that insures you and your loved ones against injury or death by a hit-and-run or uninsured driver. It can also cover your vehicle damage in the event that the other driver, if they are identified, does not have insurance of their own.

While it is law to have minimum third party liability coverage, we recommend that your minimum liability coverage is $2,000,000.

Additional coverage can be added to your automobile policy.

Increased third party liability coverage - Increase your third party liability coverage to from $1 Million to $2 Million, or add a personal umbrella for higher limits

Increased coverage on vehicle loss or damage - Increase your vehicle protection to include events and perils not covered in your basic Compensation – Property Damage Coverage.

Increased accident benefits - Increase your accident benefits for expenses such as medical and rehabilitation, attendant care, income replacement, death and funeral, and more.

Insurance in Ontario is based on so many factors such as your driving record, your vehicles safety rating, the technology in your vehicle, the cost to repair your vehicle, your postal code and the use of your vehicle (just to name a few). Also, Ontario has one of the most robust packages in Canada and we are one of the few that ensures your injuries are covered (which includes rehabilitation that OHIP does not cover). Even though you are the same person with the same car, the rates might change each year as the insurance companies adjust their rates based on information which comes in about your vehicle model and area. This is also why we ask you so many questions when you would like a quote.

Yes, they do need to be listed on your policy in order to ensure coverage when they are driving your vehicle. If they have their own vehicle and insurance, there is be no charge to list them on your policy. That being said. there is usually a charge to add drivers that are under the age of 25 or have had accidents/tickets. If someone you live with who is licenced uses your vehicle, and is in an accident, you do run the risk of having your claim denied if they are not listed and covered under your policy.

Yes, as soon as your child obtains their G1 licence you need to call us, there is no charge for a G1 driver but they do need to be listed. There are companies that give reduced premiums for G2 drivers that have completed an accredited drivers training course in Ontario, those companies will require the Service Ontario form proving that it has been completed.

Unfortunately no, the registered owner of the vehicle is the only person that can insure the vehicle.

If it is your first ticket and is a minor infraction, you are more than likely going to lose your conviction free discount. If you have multiple tickets, you could be surcharged or need to move your insurance to a higher risk carrier. If it is a major ticket, your existing company might not keep you and your policy will have to be moved to a higher risk carrier.

Yes, commercial use (which is what delivering food is) is not covered under your personal auto policy. We do have companies that will allow you to be a delivery driver, but we need to know beforehand to ensure we place you with those companies and add the extra coverage on your policy.

Yes, anyone that you give permission to that has a valid licence, will be covered under your insurance. If by chance something happens like an at fault accident which they are driving your vehicle, that accident will be charged against you and your policy. You do not need to list people on your policy that occasionally drive your vehicle (e.g. grandchildren, someone who is test driving your vehicle to purchase it, etc.) in order to be covered.

Yes, this is NOT good for your insurance record. If you cannot afford your vehicle/insurance, contact your broker to sign off (cancel) the policy before it gets cancelled for non-payment. Non-payment stays on your record for many years and sometimes would mean that you are not eligible for the monthly payment option anymore.

It does if you have comprehensive and collision coverage on your policy and you have purchased the OPCF 27 (Legal Liability for Damage to Non Owned Automobiles). It provides you with care insurance when driving vehicles you do not own, protecting you against damage or loss to vehicles you rent or borrow.

No, personal auto policies do not cover theft of contents. A commercial policy would cover your work tools or a home/tenant/condo policy would cover other items stolen out of your vehicle that are not used for work.

Yes you can, but realize that you are NOT insured to drive that vehicle at all. Not even in an emergency.

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