Car Insurance in Ontario

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.

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).

This option combines the coverages of Collision and Comprehensive.

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:

• ATVs and snowmobiles
• Boats and other watercrafts
• Motorcycles
• RVs

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.