Car insurance, compared for you
Mandatory coverage, done properly. We compare auto insurance from multiple insurers so you get the protection the law requires, plus the upgrades that matter when something goes wrong.
What does car insurance cover?
Car insurance pays for damage and injuries caused by a collision, theft or other loss involving your vehicle. Every vehicle on the road in Canada must be insured, and a basic policy includes third-party liability and, in most provinces, accident benefits.
Coverage for your own car, collision and comprehensive, is optional by law but usually required by your lender if the vehicle is financed or leased. As an independent brokerage, we compare several insurers and explain the difference between the minimum and the coverage you actually need.
Who it’s for
- Daily commuters and families
- New and young drivers
- Households with more than one vehicle
- Drivers who use their car for occasional business
- Newcomers to Canada with driving experience abroad
What your policy can include
The main coverages we review with every client. We’ll explain each one and help you choose the right limits.
Third-party liability
Pays for injury or damage you cause to other people and their property, including legal costs if you are sued.
Accident benefits
Medical, rehabilitation and income replacement benefits for you and your passengers after a collision.
Collision
Repairs or replaces your vehicle after hitting another car or object, minus your deductible.
Comprehensive
Covers theft, fire, vandalism, hail, glass damage and hitting an animal.
Family protection (SEF 44)
Tops up your protection if you are injured by a driver who does not carry enough insurance.
Loss of use (SEF 20)
Pays for a rental car or transportation while your vehicle is being repaired after a covered claim.
Car insurance: what to know
Practical points we walk every client through before they choose a policy.
Every province requires third-party liability and sets its own legal minimum. Most brokers recommend $1 million to $2 million, because a serious collision can easily cost more than the minimum.
In most provinces, auto policies include accident benefits that pay for medical and rehabilitation costs after a collision, regardless of who was at fault.
Collision covers hitting another car or object. Hail, cracked windshields, theft and animal collisions fall under comprehensive.
Insurers review your driving abstract and claims history. Avoiding tickets and at-fault claims is one of the best ways to keep your premium down.
Popular add-ons
Extras worth considering, depending on your situation.
What affects your premium
Insurers look at these factors. Knowing them helps you keep your premium in check.
Covered in three steps
No long calls and no pressure. Most clients are done in one conversation.
Tell us what you need
Complete our online quote form, or call or WhatsApp a broker.
We compare insurers
We shop your coverage across multiple insurers and shortlist the best fit.
Choose and you’re covered
Pick your option. We handle the paperwork and send your documents.
Personal auto insurance questions
Can’t find your answer? A licensed broker can help in a few minutes.
Ask on WhatsAppEach province sets its own minimum liability limit. Most people choose $1 million or $2 million in liability, and add collision and comprehensive if their vehicle has meaningful value or is financed.
No. The law requires liability and, in most provinces, accident benefits. However, if your vehicle is leased or financed, your lender will almost always require collision and comprehensive.
Not automatically. The SEF 27 endorsement covers damage to vehicles you rent or borrow. Some credit cards also offer rental coverage, but the terms vary, so it is worth comparing.
Yes. Insurers may recognize driving experience from another country if you can provide a letter of experience or claims history from your previous insurer. We will help you present it properly.
Bundling home and auto, insuring several vehicles together, choosing a higher deductible and keeping a clean record usually help. Some insurers also offer telematics programs that reward safe driving.
Get your car insurance quote
Free, no-obligation quotes from a licensed broker who compares multiple insurers for you.