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FAQ

How do I know when my policy is renewing?

Your home and auto policies automatically renew every year on the date you first purchased insurance.

What does the liability section of my auto policy cover?

Liability insurance is a different way of saying financial protection for you and your family. If you cause an accident that results in injury to another person of damage to property, your liability insurance covers the financial cost (up to your limit).

Can I insure a vehicle if I’m not the registered owner?

You cannot insure a vehicle you don’t own. However, you can list someone else as the principal driver of the vehicle.

What should I do if I’m involved in a car accident?

Notify the police if anyone has been injured or damage to both vehicles is more than $2,000 combined, take photos of the damage to your vehicle and any other damage caused by the accident, take the contact information of the other driver(s) including drivers license and insurance information, take contact information of any witnesses, don’t admit fault. Let the authorities determine fault

How do I know how much coverage I need for my car?

By law in Ontario, you are required to purchase the below automobile insurance coverage: Third-party liability coverage: Protects you when someone is injured or killed, or property is damaged. Pays defense costs to settle claims from any lawsuits against you, up to the set limit. We recommend $2 million. Statutory accident benefits coverage: If you’ve been injured in an accident, regardless of who caused it, accident benefits cover expenses not covered by OHIP (like rehabilitation, caregiving, and loss of income). Direct compensation (property damage coverage): If someone else is at fault for an accident, direct compensation covers damage to your vehicle, its contents, and equipment (stereo, speakers), including loss of use and contents. Uninsured automobile coverage: Protects you and your family if you’re injured or killed by a hit-and-run driver or an uninsured motorist; covers damage to your vehicle caused by identified, uninsured drivers. You may also purchase: Increased Accident Benefit Coverage, higher liability limits, physical damage coverage (Collision and comprehensive)

How do I verify information about my driving record?

When you submit your driver's license number, it automatically links to secure data that allows us to verify your driving history. We will also gain information from the motor vehicle report and auto plus report

How do I reduce my car insurance premiums?

Maintain a clean driving record and build your driving experience, select a higher deductible. Remember: lower deductible typically results in a higher premium, remove collision coverage from older vehicles you no longer drive, review your policy each year and keep us updated on any and all changes to your vehicle

Can my friends drive my car?

Anyone who has a valid driver's license and your permission is covered under your auto insurance policy.

How are my Premiums calculated?

Insurance premiums are calculated carefully. Our insurance markets use the information below to determine the probability of you making a claim in the future: Age, gender, postal code, annual KM, VIN number, driving history, insurance history, driving experience Your deductible determines your premium. If you choose a higher deductible, you will need to pay more out-of-pocket when you make a claim. However, you could have a lower annual premium.

Do I need special coverage if I am a Uber driver?

If you become involved with a hit-and-run, you are required to report to the police within 24 hours. If damage to your car was done when you were not there, you still need to complete a police report as this will be considered a hit-and-run claim.