Everything we end up explaining on the phone anyway.
Written by our own brokers, about Ontario rules specifically. Every guide is reviewed by a second licensed broker before it publishes, and dated so you can see when it was last checked.
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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.
Still want to talk it through?
A licensed Ontario broker will answer in a minute, at no extra cost.