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Comprehensive vs collision: which one pays?
Collision pays when your car hits something. Comprehensive pays when something happens to it that isn’t a crash. And when another driver hits you, neither one pays.
What is collision insurance?
Collision coverage pays to repair your own car after a crash you caused, or one with no other vehicle involved. When another driver is at fault, a different coverage pays.
What is comprehensive car insurance?
Comprehensive coverage pays to repair or replace your car when something other than a crash damages it — fire, theft, hail, a falling branch. It is optional in Ontario, and one of four ways to cover your own car.
How much auto insurance do you need in Ontario?
Ontario law sets a floor of $200,000 in third-party liability, but that figure has not moved since 1990. Most drivers should carry $1–2 million.
Adding a teen driver without doubling your premium
A newly licensed driver is the single largest premium increase most Ontario households will ever see. Four decisions determine whether it is a 40% increase or a 140% one.
Is bundling home and auto worth it in Ontario?
Bundling usually saves 10–20% across the two policies. It is worth taking — but only after you have checked that the bundled price still beats the two best standalone prices.
Ready when you are.
Does it cost anything to use PolicyScanner?
No. PolicyScanner is paid a commission by the insurance company you choose. For Ontario auto insurance, there is no additional broker fee added to your premium, so there is no extra cost to use us for your quote.
Is PolicyScanner licensed?
Yes. PolicyScanner is part of Fairstar Insurance Group Inc., a brokerage licensed by the Registered Insurance Brokers of Ontario (RIBO). You can also verify licensed brokers and brokerages through RIBO’s public register.
Will getting a quote affect my credit?
Not for Ontario auto insurance. Insurers and brokers do not use your credit information to determine your auto insurance rate. For some types of home insurance, an insurer may ask for your consent before using credit information.
What do I need to get a quote?
You’ll typically need your address, vehicle details, driver’s licence information, driving history and approximate annual mileage. Having your current insurance policy available can also help us compare coverage accurately.
Is the price I see final?
Not until your information has been verified and the policy is issued. Your quote is based on the information you provide, and the final premium may change if the insurer finds different driving, claims or vehicle information.
Can I switch before my policy renews?
Yes. You can switch insurance companies before your renewal date. Your current insurer may apply a cancellation charge, so we can help you compare the potential savings against any cancellation cost before you make the change.
Can you quote my current insurer?
Yes, if your current insurer is one of the companies we represent. We can compare their available rate with other insurers we work with and help you understand which option best matches your coverage needs.
Do you handle claims?
Your insurance company is responsible for handling and deciding your claim. As your broker, we can help explain your coverage, guide you through the claims process and help you understand who to contact.
I’ve had tickets or an accident. Can I still get insurance?
Usually, yes. Tickets, accidents and claims can affect your premium and the insurers available to you, but there are often still coverage options. We can compare the insurers we work with to see what is available for your situation.
What happens to my information?
We use your information to provide quotes, arrange coverage and service your policy. We only share it with insurers and service providers where needed to provide those services, and we do not sell or trade your personal information.