Insurance guides

Car insurance

Everything about car insurance in Ontario: what each coverage pays for, how rates are set, what to do after an accident and how to pay less without losing protection.

All guides

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

Showing 12 of 20 guides

Insurance guides

Car insurance

All guides

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