Auto Insurance

In Ontario, all vehicle owners are required by law to have a minimum basic insurance policy to legally operate their vehicle.

• Basic Coverage includes third-party liability, which covers legal and financial responsibilities if you cause an accident that results in injury, death, or property damage to others.
• Full Coverage includes both third-party liability and additional protection for your own vehicle, regardless of who is at fault in an accident. It typically covers:
  • Collision coverage (damage to your own vehicle)
  • Comprehensive coverage (protection against theft, fire, and vandalism)
  • Rental vehicle coverage
    Additional optional coverages are available, and an insurance broker can help you choose the best options for your needs.

Yes, if you have a clean driving record with no claims for several years, you may qualify for a claim-free discount on your policy. The longer you remain accident-free, the greater your potential savings.

Several factors influence your auto insurance premium, including:

• Your driving experience (years licensed in North America)
• Your license class
• Your vehicle’s make, model, and year
• Your postal code (where you live)
• Your claims history
• Your driving record (convictions or traffic violations)
• Your age, gender, and marital status
  Each insurance company weighs these factors differently, so rates may vary.

An insurance company may deny your claim in situations such as:

• Misrepresentation or fraud on your insurance application
• Criminal activity by the driver at the time of the claim
• Violation of policy terms (e.g., if you insured your car for personal use but were using it for commercial purposes at the time of the claim)

Most insurance companies allow vehicles to participate in ride-sharing programs like Uber or Lyft, but you must inform your insurance provider beforehand. If you fail to disclose this and need to file a claim, it could be denied.

However, Uber Eats and SkipTheDishes are generally not covered by most insurance companies. Your insurance broker can provide details on your provider’s specific policies.

No, basic coverage does not cover theft of your vehicle. Theft protection is included under Comprehensive Coverage, which must be purchased separately.