Auto insurance that keeps you moving Ontario

In Ontario, all motorized vehicles registered with the province are required to carry auto insurance. Mandatory coverage includes third-party liability, accident benefits, direct compensation–property damage (DCPD), and uninsured automobile coverage. These coverages are designed to protect you, other drivers, passengers, and pedestrians if an accident occurs.

While these coverages are required by law, the limits and optional add-ons you choose can significantly affect how well you’re protected. A Westland advisor can help you understand what’s required and where additional coverage may be beneficial.

Auto insurance pricing in Ontario is based on a combination of personal, vehicle, and environmental factors. Insurers consider details such as your age, driving experience, claims and ticket history, and how often you drive. The vehicle itself also plays a role, including its make, model, year, repair costs, and safety features.

Location matters as well. Drivers in highly populated urban centres generally face higher premiums than those in smaller or rural communities due to increased traffic and claims frequency. Finally, the type and amount of coverage you choose has a direct impact on your premium. Westland advisors compare policies across insurers to help balance cost and protection.

Optional coverages allow you to customize your policy beyond the mandatory minimums. Common add-ons include collision coverage for damage to your own vehicle, comprehensive coverage for theft, vandalism, or animal collisions, and rental vehicle coverage while your car is being repaired.

Some drivers also choose depreciation waivers for new vehicles, claims or conviction protectors to help preserve their record, and increased accident benefits for enhanced medical and income replacement protection. The right options depend on your vehicle, driving habits, location, and risk tolerance.

DCPD is part of Ontario’s no-fault insurance system. If another driver is responsible for an accident, you file a claim directly with your own insurer instead of dealing with the at-fault driver’s insurance company.

This coverage pays for damage to your vehicle, loss of use, and certain related costs, helping claims move faster and more smoothly. Your insurer then seeks reimbursement from the at-fault driver’s insurer behind the scenes, so you don’t have to.

Rental vehicles are not automatically covered under a standard auto insurance policy. However, you can add a rental car endorsement that extends your coverage to certain rental vehicles while travelling or while your own car is being repaired.

Coverage details vary, so it’s important to speak with your Westland advisor before renting a vehicle. They can help you understand what’s included and whether additional coverage makes sense for your situation.

Accident benefits provide coverage if you’re injured in a car accident, regardless of who is at fault. They can help pay for medical treatment, rehabilitation, attendant care, and income replacement if you’re unable to work.

Coverage limits depend on the severity of the injury. Ontario’s standard benefits typically provide up to $3,500 for minor injuries, up to $65,000 for non-catastrophic injuries, and up to $1,000,000 for catastrophic injuries. There are also strict timelines for reporting and filing claims, and your Westland advisor can help guide you through the process and review options for increasing benefit limits.

If you’re involved in a collision, start by ensuring everyone’s safety and documenting the incident if possible. Before filing the claim, it’s a good idea to speak with your Westland advisor. We’ll review your coverage, explain how the claim may affect your policy, and help you understand your options.

From there, you can contact your insurer directly to begin the claims process. If questions come up along the way, your advisor remains available to support you.

Yes, damage caused by hitting an animal, such as a deer, is typically covered under comprehensive coverage. This is an optional add-on that protects against non-collision events like animal strikes, theft, vandalism, and falling objects.

Without comprehensive coverage, repairs resulting from animal collisions may not be covered. If you drive frequently in rural or wooded areas, this coverage is especially worth considering.

New or young drivers are usually added to an existing policy, such as a family policy. When adding a driver, insurers will need details like the date they received their G1, G2, or G licence, along with a copy of the licence itself.

Driver training courses are strongly encouraged, as they can help reduce premiums and build safer driving habits. A Westland advisor can explain how adding a new driver may affect your policy and help explore ways to manage costs.

Your driving record has the greatest impact on your premium. Accidents, traffic violations, and years of driving experience all play a major role. Location is another key factor, as drivers in urban areas generally face higher rates than those in less populated regions.

Vehicle details, including make, model, safety features, and repair costs, also influence pricing. Ultimately, the level of coverage you choose will determine your final premium. This is where a Westland advisor adds the most value, comparing options across insurers to help you find the best balance between protection and affordability.