Ontario Car Insurance

Accident Benefits

Accident benefits are built into every Ontario automobile insurance policy. These are benefits that you or other insured persons may receive if injured in an auto accident. Selecting the right benefits for you, your family, and the other drivers on your policy is important as there is no one size fits all option. You can buy up the limits on the standard benefit or buy additional accident benefits that fit your personal situation.

Accident benefits have changed since July 2026, and now only one coverage is included on all Ontario automobile insurance policies. Standard medical, rehabilitation and attendant care benefits will continue to be mandatory. These benefits cover medical expenses, therapy, and personal care assistance for injuries from an accident including doctor visits, physiotherapy, and help with daily activities like bathing and dressing. It is recommended that you can increase the limit on this coverage to fit your circumstances.

Who is covered:

The named insureds (signed application and name(s) at the top of policy)
The spouse of the named insured
Dependants of the named insured and of the named insured’s spouse
Persons specified in the policy as drivers of the automobile

Optional benefits include:

income replacement for persons who have lost income
payments to non-earners who suffer complete inability to carry on a normal life
lost educational expenses if an accident keeps you from attending school
payment of care expenses to persons who cannot continue to act as a primary caregiver for a member of their household
housekeeping & home maintenance costs (extra costs due to insured accident)
damage to personal items (clothing, prescription eyewear, hearing aids, etc.)
payment of funeral expenses
payments to survivors of a person who is killed
dependent care

It's important to talk to your broker to find out how you can increase the limits on these coverages and the premiums associated. You may be pleasently surprised at the low premium to increase these valuable coverages. You can learn more about accident benefits in our article titled "What Are Accident Benefits?".

Classic Car Insurance

Not All Cars Are Created Equal

Antique, vintage, and classic car enthusiasts protect their vehicles. By only insuring classic cars, our classic car policies through Hagerty are able to provide insurance at rates considerably lower than daily driver insurance. Have more than one classic? We also offer discounts for having multiple classic vehicles.

Highlighted Available Coverages

Personal Liability

Provides coverage for you or other insured persons if someone else is killed, or injured, or their property is damaged in an automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.

Collision Coverage

Covers damage when a described automobile is involved in a collision with another object/vehicle or tips over

Comprehensive Coverage

Covers a described automobile against loss or damage other than those covered by Collision or Upset, including perils listed under Specified Perils. For example, this would cover you for damage to your auto caused by fire, theft, windstorm or hail, falling or flying objects, and vandalism.

Rental Car Coverage

If you are involved in a collision, you may need access to a rental car while your vehicle is being repaired or replaced. Rental Car coverage can be added to your policy that would provide coverage for a substitute auto following an insured claim. Ask about adding this endorsement to your policy today.

Waiver of Depreciation

If you have a newer vehicle, it may be possible to add this endorsement to your policy. This endorsement effectively removes depreciation, meaning that in the event of a total loss you will receive either a payout exactly to what you paid for the auto new, or the insurance company will replace your auto with a new vehicle same make and model. This optional endorsement varies by insurer, so be sure to contact us for details or to add this to your policy.

Accident Forgiveness

If you add this endorsement to your policy, the first at fault accident will not count against you with your insurance company. One aspect of this endorsement to be careful with is the fact that the forgiveness does not transfer between insurance companies. Read more about accident forgiveness in our article "How Accident Forgiveness Endorsements Work".

Highlighted Possible Discounts

Winter Tire Discount

If you install 4 winter tires from the months of November to April, you may be eligible for a winter tire discount of up to 5% depending on the insurance company. Please contact us to discuss how we can take advantage of this discount.

Telematics Discount

Some companies will offer discounts if you allow them to install a telematics device in your auto. This device will record your driving habits and apply discounts based on your specific driving style. You can receive a discount when you install the device, then up to 25% in discounts depending on your driving style. Please contact us if you would like to enroll in a telematics program.

Multi-Vehicle Discount

You may be eligible for the Multi-Vehicle Discount which could save you up to 15% on your auto insurance, as well as up to 15% for the other autos in the household. Please contact us to discuss how we can take advantage of this discount.

Multi-Policy Discount

If you have your home insurance and your auto insurance with the same insurance company, you can recieve discounts of up to 15%.

Deductibles Discounts

You may be interested in raising your deductibles to reduce your premium. Please contact us to discuss this and other cost saving options.

Retiree Discount

If you are retired it is possible to get a retiree discount on your vehicle. Most insurance companies offer this discount as they realize that you're not going to be commuting or driving as frequently once you have retired. If you're retired, give us a call and see if you qualify for the retiree discount today.

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