Car Insurance in Ontario, Manitoba & Saskatchewan

Car insurance

Your vehicle is more than just for driving – it offers you freedom, access, and adventure.

As a leading Canadian car insurance broker, The Standard Insurance strives to ensure our customers are protected no matter where your travels take you. We work with the top insurance carriers in Canada to provide the best prices and options for your individual needs.

Contact The Standard Insurance Today

With over 120 years of experience serving drivers in Canada, we are happy to act as your car insurance broker, working between you and multiple insurance providers to find the best price for the coverage you need. Call The Standard Insurance at 1-844-969-8199.

  • Choosing the Right Car Insurance

  • Loss or Damage Coverage

  • Car Insurance for Recreational Vehicles

  • Motorhome Coverage

Living in Canada means drivers require varying coverage depending on their situation or vehicle. Our policies include such options as:

  • Liability: Liability car insurance keeps you covered against the risk of financial loss in the event of injury, property damage, or the death of another individual due to an auto accident.
  • Accident Benefits: Should a collision occur, Accident Benefits provides you with compensation for medical bills, rehabilitation costs, attendant care expenses, income replacement, or funeral expenses in the event of death.
  • Direct Compensation: There are individual restrictions regarding Direct Compensation. In Ontario, if an accident occurs due to the negligence of another driver, direct compensation entitles you to payment by your insurer.
  • Uninsured Automobile: In the event of an accident with an uninsured individual, Uninsured Automobile vehicle insurance protects you by covering damage to your car by the uninsured driver.

You can rest assured that all of our insurance brokers provide the best coverage and competitive car insurance quotes on the Canadian market.

The Standard Insurance is proud to offer our clients optional Physical Damage coverage based on unique vehicle and driver needs. Direct Loss or Damage coverage provides you protection from perils such as fire, theft, flood, and collision. These optional coverage types are often customized to suit your vehicle type, lifestyle, and budget.

Here are our Car Insurance coverage options:


Collision Coverage pays for the cost of repairing or replacing your vehicle up to its actual cash value if it collides with another vehicle, the ground, or an object on the ground such as a guard rail.

Comprehensive Coverage

This type of coverage helps pay for the cost of repairing or replacing your vehicle up to the actual cash value if it is damaged by unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, a natural disaster, or a riot or civil disturbance (but not collision).

All Perils

This option combines the coverages of Collision and Comprehensive.

Specified Perils

If a vehicle is damaged due to unforeseen circumstances such as weather, fire, vandalism, or theft, Specified Perils car insurance protects you against the risks outlined in your insurance policy.

There is more than car and truck insurance to consider when insuring a vehicle in Canada. Your recreational vehicles also need to be protected in the event of damage, accident, or theft. At The Standard Insurance, we supply our customers with a variety of coverage types, including policies for:

A motorhome is a unique combination of dwelling and vehicle. In this case, we recommend a standard automobile policy with extended coverage in case of emergencies. This allows you to curate your policy to include general auto insurance, along with:

  • Emergency service cost coverage
  • Replacement of belongings in a motorhome
  • Appliance coverage
  • Loss of motorhome
  • Vandalism of motorhome
  • Lock replacement
  • Frozen food spoilage due to power outage or freezer breakage

As with other recreational vehicles, your motorhome can include optional coverage, or be added to the coverage you already pay for within your home or vehicle policies.

Car Insurance FAQs

At The Standard Insurance, we often receive questions about Car Insurance policies. Here are some of the most common queries we hear:

The Standard Insurance FAQs

What happens if someone else is driving my car?

Will I get a replacement vehicle if mine is being repaired?

What is “no-fault” insurance?

At The Standard Insurance, we pride ourselves for our long-lasting commitment to act as an advocate for every single one of our clients. Our success is measured by their experience and satisfaction:

I had a wonderful experience with Nicolle, I had some issues with my Insurance policy and Nicolle straightened them up immediately. THANKS AGAIN NICOLLE !


“Callie stepped up and provided a very professional service and responded to all our questions in a timely manner. We highly recommend Standard Insurance Brokers.”

Jim & Nicole D

“The agent, Celeste, was very prompt with her responses. She was able to source a favorable and economical premium compared to what I had. Very good service so far.

Oral & Pauline D

“The ladies that work here are great! So sweet and kind! Thank you for the A+ customer service”

Shelly J
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