Author

PolicyKind Editorial Team

Insurance explainers for Ontario

We turn insurance rules and jargon into plain language for Ontario drivers, homeowners, tenants and travellers. Every article names its sources and the date its facts were last checked, and is meant to be confirmed with a broker before you act on it.

Articles

Topics covered

October 2026

Last review

Articles by PolicyKind Editorial Team

Home and condo
Condo insurance in Ontario: loss assessment and the deductible
The condo corporation insures the building, yet you can be billed for its deductible. Learn how loss assessment, improvements and the status certificate work.
Reviewed October 2026 · 8 min read
Home and condo
Home insurance for first-time buyers in Ontario: before closing
Buying your first home in Ontario? See what to arrange before closing: proof for your lender, rebuild cost, key coverages, add-ons and what insurers ask.
Reviewed October 2026 · 8 min read
Travel
Super visa insurance requirements in Canada: a plain guide
What IRCC requires for super visa medical insurance: $100,000 minimum, one year, a Canadian insurer, and the proof to carry. Plus what to ask a broker.
Reviewed October 2026 · 7 min read
Home and condo
Tenant insurance in Ontario: do you need it, and what it covers
Is tenant insurance required in Ontario? Learn when a lease can demand it, what it covers, what the landlord's policy skips, and how to pick a contents limit.
Reviewed October 2026 · 9 min read
Car insuranceNewcomers
Car insurance for newcomers to Ontario: what to expect
Moving to Ontario? Learn how insurers treat driving history from another country, why first premiums can be higher, and how to build a record here.
Reviewed October 2026 · 7 min read
Car insuranceLiability
Collision vs comprehensive vs all perils in Ontario
What collision, comprehensive and all perils pay for in Ontario, what none of them cover, and how to decide which one suits your car and budget.
Reviewed October 2026 · 7 min read
Car insuranceClaims
DCPD in Ontario: what the opt-out option means for you
Direct Compensation Property Damage repairs your car when someone else is at fault. Learn what it does, what opting out changes, and what to ask your broker.
Reviewed October 2026 · 8 min read
Car insuranceDeductibles
Car insurance deductibles explained for Ontario drivers
How a car insurance deductible works in Ontario, how it applies to collision, comprehensive and all perils, and how to choose one that fits your budget.
Reviewed October 2026 · 8 min read
Car insuranceSaving money
How driving distance and vehicle use affect Ontario car insurance
Learn how pleasure, commute and business use, plus your yearly kilometres, can change Ontario car insurance premiums, and why accurate answers matter.
Reviewed October 2026 · 8 min read
Car insuranceElectric cars
Electric vehicle insurance in Ontario: what to know before you buy
Why insuring an electric vehicle in Ontario can cost differently, which charging equipment to ask about, and what to ask your broker before you buy a policy.
Reviewed October 2026 · 8 min read
Car insuranceSaving money
How to lower your car insurance premium in Ontario
Practical, honest ways to lower an Ontario car insurance premium, from winter tires and driver training to deductibles and a broker review.
Reviewed October 2026 · 7 min read
Car insuranceRates
Insuring multiple vehicles and drivers on one Ontario policy
How to insure several cars and drivers in Ontario: listing every regular driver, the principal driver, multi-vehicle discounts, unlisted drivers and teens.
Reviewed October 2026 · 8 min read
Car insuranceYour policy
Leased or financed car insurance in Ontario: what to know
What lenders typically require for a leased or financed car in Ontario: collision, comprehensive, deductible limits, loss payee, OPCF 5 and gap cover.
Reviewed October 2026 · 7 min read
Car insuranceMoving
Moving or selling your car: what to do with Ontario car insurance
What to do with your car insurance when you move, buy, sell or scrap a car, or leave Ontario, and how to avoid a gap in coverage that could cost you later.
Reviewed October 2026 · 9 min read
Car insuranceYour policy
OPCF endorsements explained: 20, 27, 43, 44R and 5 in Ontario
What OPCF 20, 27, 43, 44R and 5 do on an Ontario car insurance policy, and when each add-on is worth considering, in plain language.
Reviewed October 2026 · 9 min read
Car insuranceLiability
Uninsured automobile coverage in Ontario: what it protects
Uninsured automobile coverage is mandatory in Ontario. What it covers after an uninsured or hit-and-run driver, and its link to accident benefits and OPCF 44R.
Reviewed October 2026 · 8 min read
Car insuranceClaims
What to do after a car accident in Ontario: an insurance checklist
A calm, step-by-step guide to what to do after a car accident in Ontario: safety, police, exchanging details, telling your insurer, benefits and repairs.
Reviewed October 2026 · 8 min read
Car insuranceClaims
At-fault accidents in Ontario: how they affect car insurance rates
Learn what an at-fault accident means in Ontario, how long it can affect your rates, what the minor-collision rule says, and what to ask your broker.
Reviewed October 2026 · 8 min read
Home and condo
Condo vs tenant vs home insurance in Ontario: which one do you need?
Condo, tenant and home insurance cover different things. Learn what each policy protects in Ontario, what the building's insurance does not, and what to ask.
Reviewed October 2026 · 8 min read
Car insuranceLiability
How much liability coverage do you need in Ontario? $200K, $1M or $2M
Ontario requires at least $200,000 in third-party liability, but many drivers choose $1 million or $2 million. Learn how to pick the right limit.
Reviewed October 2026 · 7 min read
Car insuranceRates
How Ontario car insurance rates are calculated
See which factors set your Ontario car insurance price, from age and driving record to postal code and coverage, and what you can change to lower it.
Reviewed October 2026 · 8 min read
Car insuranceNew drivers
Car insurance for new drivers in Ontario: G1, G2 and what to expect
How car insurance works for G1 and G2 drivers in Ontario, why new drivers pay more, and practical ways to keep the cost down as you build experience.
Reviewed October 2026 · 7 min read
Car insuranceYour policy
Ontario accident benefits changes on July 1, 2026: what to know
On July 1, 2026 Ontario made some accident benefits optional. Learn what stayed mandatory, what you can now choose, and what to ask your broker.
Reviewed October 2026 · 7 min read
Car insuranceCoverages
Ontario car insurance coverages explained
A plain-language guide to Ontario car insurance coverages: what is mandatory, what is optional, and how endorsements like OPCF 20 and 44R fit in.
Reviewed October 2026 · 7 min read
Life insurance
Term vs permanent life insurance in Canada: how to choose
Term life insurance covers a set period; permanent covers your whole life. Learn how each works, what they cost you in trade-offs, and how to pick.
Reviewed October 2026 · 8 min read
Travel
Travel medical insurance for Ontarians: what OHIP covers abroad
OHIP pays only small daily amounts for emergency care outside Canada. See the real figures, what is left uncovered, and what to check before you buy a policy.
Reviewed October 2026 · 8 min read
Car insuranceWinter
Winter tires and the Ontario car insurance discount: how it works
Ontario insurers must offer a winter tire discount. Learn who qualifies, how big the saving usually is, and what to ask your broker before you switch tires.
Reviewed October 2026 · 7 min read

Author

PolicyKind Editorial Team

Articles by PolicyKind Editorial Team

Condo insurance in Ontario: loss assessment and the deductible

Home insurance for first-time buyers in Ontario: before closing

Super visa insurance requirements in Canada: a plain guide

Tenant insurance in Ontario: do you need it, and what it covers

Car insurance for newcomers to Ontario: what to expect

Collision vs comprehensive vs all perils in Ontario

DCPD in Ontario: what the opt-out option means for you

Car insurance deductibles explained for Ontario drivers

How driving distance and vehicle use affect Ontario car insurance

Electric vehicle insurance in Ontario: what to know before you buy

How to lower your car insurance premium in Ontario

Insuring multiple vehicles and drivers on one Ontario policy

Leased or financed car insurance in Ontario: what to know

Moving or selling your car: what to do with Ontario car insurance

OPCF endorsements explained: 20, 27, 43, 44R and 5 in Ontario

Uninsured automobile coverage in Ontario: what it protects

What to do after a car accident in Ontario: an insurance checklist

At-fault accidents in Ontario: how they affect car insurance rates

Condo vs tenant vs home insurance in Ontario: which one do you need?

How much liability coverage do you need in Ontario? $200K, $1M or $2M

How Ontario car insurance rates are calculated

Car insurance for new drivers in Ontario: G1, G2 and what to expect

Ontario accident benefits changes on July 1, 2026: what to know

Ontario car insurance coverages explained

Term vs permanent life insurance in Canada: how to choose

Travel medical insurance for Ontarians: what OHIP covers abroad

Winter tires and the Ontario car insurance discount: how it works