Stop paying too much for your car insurance.
Our team of dedicated insurance professionals will guide you through a wide range of insurance options to assist you in choosing deductibles, optional coverages, and pricing to ensure your needs and lifestyle are covered. Whether you are looking to insure your everyday car, classic/vintage car or motorcycle we help you build affordable insurance solutions without compromising coverage.
In Ontario, all drivers are responsible for having the minimum required insurance coverage by law. It is important to understand the differences between basic and optional coverages, as many of the basic coverages are not enough to properly protect you in a serious accident.
Third-Party Liability Coverage
Third party liability coverage protects you if someone else is killed or injured on their property is damaged. It will pay for legitimate claims against you up to the limit of your coverage and will pay the costs of settling the claims.
Statutory Accident Benefit Coverage
Accident benefit coverage provides benefits if you are injured in an automobile accident, regardless of who caused the accident. These benefits may include: medical car, rehabilitation and attendant care, income benefits are more.
Uninsured Automobile Coverage
Uninsured Automobile Coverage protects you if you are injured or killed by an uninsured motorist or by a hit-and-run driver. It also covers damage to your automobile caused by an identified uninsured motorist.
Direct Compensation - Property Damage Coverage
Direct Compensation for Property Damage covers you in Ontario for damage to your automobile and to property it is carrying when another motorist is responsible.
Increased Third-Part Liability Coverage
You may increase your liability coverage above the minimum required by law. You can increase your liability coverage for your automobile to $2 Million.
Optional Accident Benefit Coverages
You may increase your accident benefit coverage above the statutory minimum required by law to insure you are properly covered in the event of a major loss. Call and talk to an expert to see what options are available for you.
Permission to Rent or Lease Automobiles (OPCF 5)
This endorsement extends coverage to a vehicle that you drive, but that is owned by a leasing company.
Loss of Vehicle Use (OPCF 20)
When your car is involved in an accident and your car is being repaired, you get a rental car of a similar substitute until our car is repaired.
Liability for Damage to Non-Owned Automobile(s) (OPCF 27)
Renting a car? Don’t purchase the insurance option offered by rental car companies. When this coverage is added to your policy you are covered up to the policy limit for any car you rent.
Removing Depreciation Deduction (OPCF 43)
When settling a claim for loss or damage insurance companies have the right to deduct depreciation from the value of your automobile. When you purchase this coverage the insurance company removes its right to deduct depreciation from the value of your automobile.