The PolicyKind guide

Insurance guides

Plain-language answers about car, home, life and travel insurance in Ontario. Every article names its sources and the date its facts were last checked.

Featured guideCar insurance

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

Read the guide

New here? Start with these three

Plain-language guides that explain the basics before the details, in the order we suggest reading them.

1
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.
2
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.
3
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.

All guides

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

Showing 12 of 26 guides

The PolicyKind guide

Insurance guides

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

New here? Start with these three

Ontario car insurance coverages explained

How Ontario car insurance rates are calculated

Car insurance deductibles explained for Ontario drivers

All guides

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