Your Car Insurance

Get a Car Insurance Quote today!

Get A Quote

Fill in the form below and one of our brokers will contact you soon.

Car Insurance

Do you need a Digital Pink Slip? »

Can where you work save you money? »

car insurance essentials |  Mandatory

Liability Insurance

Protects you if someone else is killed or injured or their property is damaged because of your negligence.

Accident Benefits

Provides benefits if you are injured or killed in an accident anywhere in Canada and the United States regardless of who caused it.

Learn more about the importance of Accident Benefits.

Uninsured Auto

Protects you if you are injured or killed by an uninsured motorist or hit-and-run driver to the extent you were not at fault.

Direct Compensation Property Damage (DCPD)

To the extent that you are not at fault in an accident with another vehicle, your own insurer will pay for damage to your vehicle and its contents. There are options to increase the deductible to save money.

Bodily Injury and Property Damage

Physical injury and damage to property as a result of a car collision.

Important car insurance extras

Named Perils

This coverage is fire and theft coverage only

Collision

Pays for the cost of repairing you vehicle if it is damaged in any collision. Examples include hitting another car or a runaway shopping cart.

Comprehensive

This coverage pays for damage caused by any perils other than collision or overturning. Examples include hail, flood, theft, fire, or glass breakage.

All Perils

This coverage is collision and comprehensive combined with the same deductible. Also covers theft of vehicle by family member.

Optional Increased Accident Benefits

Increases basic benefits for income replacement, medical or rehabilitation, and caregiver coverage.

staebler suggests

OPCF 44

Protects you, or an eligible family member, to the same limits as your Liability coverage if you are involved in an accident where you are not at fault, with someone who carries less or no insurance, or is unidentified (e.g. a hit and run)

OPCF 20

Covers the cost of a rental vehicle while your vehicle is being repaired, if the damage or loss is caused by a peril for which you are insured.

OPCF 27

Provides physical damage coverage (subject to a deductible) to vehicles that you may operate but do not own – such as a vehicle you have rented or borrowed.

OPCF 43

Removes the insurer’s right to deduct depreciation from the value of your vehicle when settling a claim for loss or damage for which you are insured.

Keep in Mind

While the above coverages are not required, if you owe money on your vehicle your lienholder/lessor may require you to have collision and comprehensive coverage to protect their interest in the vehicle.

Your Other Vehicles

Your ATVs, motorcycles and snowmobiles have the same coverage options as your automobile.

Related Blog Posts

Distracted Driving and You

Distracted Driving and You

Distracted Driving and You In our previous post, we asked this question: True or False: To prevent pipes from freezing, open your tap to allow a thin stream of water to keep flowing. The colder it is outside, the faster the water should run.  Answer:  This is both...

read more
Distracted Driving and You

Winter Car Maintenance

Winter Car Maintenance In our previous post, we asked this question: At what temperature does salt alone become ineffective for melting ice & snow? Answer: When the thermometer dips below -20˚C, salt alone becomes useless! That’s why many municipalities use a beet...

read more
Distracted Driving and You

Young Drivers

Young Drivers In our previous post, we asked this question: At what temperatures do drivers need to watch out for the forming of black ice?  Answer: Black ice forms at between -4˚C and +4˚C, and it's visible where the road surface appears black & shiny. Be aware...

read more
Distracted Driving and You

Winter Driving

Winter Driving In our previous post, we asked this question: What percentage of Canadians share a credit score of between 750-799, as reported by TransUnion?  Answer: 27% of Canada's population has a score in this range! Statistics show that means only 2% of borrowers...

read more
Distracted Driving and You

Insurance Premium Increase

When Insurance Premiums Increase In our previous article, we asked this question: Where and when did the biggest art heist in Canadian history take place? Answer: On September 4th, 1972, thieves broke into the Montreal Museum of Fine Arts on Labour Day weekend, and...

read more
Distracted Driving and You

Auto Theft

Auto Theft Trivia Time In the previous post, we asked the question: What is the difference between Business Interruption and Extra Expense coverage? Answer: Business Interruption covers the costs associated with the interruption of your business, whereas extra expense...

read more
Distracted Driving and You

Halloween Safety – For your Cars?

While getting ready for all the trick-or-treating fun this evening, it's a good opportunity for parents and their children to go over good safety practice to make sure that tonight is a fun experience for all.  But, have you thought about your vehicle's safety?  An...

read more
Distracted Driving and You

Indepth on Drowsy Driving

TRIVIA TIME: WHICH GROUP OF DRIVERS IS AT GREATEST RISK FOR CRASHES DUE TO DROWSY DRIVING? THINK ABOUT IT... AND COME BACK FOR THE ANSWER IN OUR NEXT POST! You're a good driver, right? You don't text and drive, you check your mirrors often, always wear a seatbelt, and...

read more
Distracted Driving and You

Drowsy Driving

 DROWSY DRIVING Despite the tendency of society to give sleep less priority than other activities, the truth is we need 7 & 9 hours sleep per day to maintain proper alertness. The loss of one night's sleep can lead to extreme short-term sleepiness, while...

read more