Vehicle Insurance
Find the Best Coverage & Rates for your Peace of Mind.


In Ontario, auto insurance is provided by private insurance companies. Each company has its own rates and rules. Ontario law requires you to have the following coverage: Liability, Accident Benefits, Uninsured Automobile and Direct Compensation. As your broker, The Standard can help you find the coverage best suited to your needs, and at the most reasonable price!


Provides coverage for you if someone else is killed or injured or their property is damaged in an automobile accident. It will pay for legitimate claims against you up to the limit of your coverage.

Accident Benefits

Provides benefits that you are entitled to receive if injured or killed in an automobile accident. Some of the benefits include income replacement, payment of medical, rehabilitation/attendant care, funeral expenses and payments to survivors of a person who is killed.

Uninsured Automobile

Provides coverage if you are injured or killed by an uninsured motorist or by a hit and run driver. It also covers damage to your automobile and its contents caused by an identified uninsured motorist, subject to a deductible.

Direct Compensation

Provides coverage under certain conditions, for damage to your automobile where another Ontario motorist is responsible. It is called direct compensation because your insurer will pay for the damages even though you are not at fault for the accident.

Optional Coverage

It is your option to choose additional coverage to cover direct and accidental loss of or damage to your automobile and its equipment.

Specified Perils

Covers your vehicle against loss or damage caused by certain specified perils such as fire, theft, lightning, hail and falling objects (to name a few).


Covers your vehicle against loss or damage other than those covered by Collision including perils listed under Specified Perils.

Collision or Upset

Covers damage when your vehicle is involved in a collision with another object or tips over.

All Perils

Combines Collision and Comprehensive coverage.

Coverage you can count on

Your car insurance should reflect your professional or personal relationship with it. For example: business, personal use or recreation. Please call us to obtain a free quote or use our online form.

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