Auto Insurance
Auto Insurance in Canada
Auto insurance in Canada is mandatory and the rules around coverage, claims and rating are set by provincial regulation. BrokerUnion helps you understand what each part of your policy actually does, then shops the market to find a fit for your vehicle, your driving record and your budget.
- Multi-vehicle and bundle discounts
- New driver & high-risk options
- Telematics & UBI savings
- 24/7 claims support
Live quote
Start your auto insurance quote now.
You will be taken securely to our live quote tool, the same one our licensed RIBO brokers use every day.
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- Same day broker follow up
Prefer to talk? Call (905) 492‑7070.
Coverage
What this can include
A auto insurance policy can be built from several coverage parts. Your broker will explain what is required, what is optional and what makes sense for your situation.
Third party liability
Covers your legal responsibility if you injure someone or damage their property in a collision.
Statutory accident benefits
Provides medical care, rehabilitation and income replacement if you are injured in a collision, regardless of fault.
Direct compensation property damage
Pays for damage to your vehicle and its contents when another driver is at fault in Canada.
Uninsured automobile coverage
Protects you if you are hit by an uninsured or unidentified driver.
Collision coverage (optional)
Pays to repair or replace your vehicle after a collision, subject to your deductible.
Comprehensive coverage (optional)
Covers loss or damage from theft, fire, vandalism, hail and other listed perils.
Optional endorsements
Includes loss of use, depreciation waivers, rental vehicle coverage and accident forgiveness where available.
Claims support
A dedicated broker walks you through the claims process and works with the insurer on your behalf.
Who this is for
- New and experienced drivers across Canada
- Households with multiple vehicles or young drivers
- Owners of leased, financed or higher value vehicles
- Drivers with tickets, lapses or non standard situations
- Small business owners with commercial vehicles or light fleets
How BrokerUnion helps
- Review your current policy and explain coverage in plain language
- Compare quotes from multiple Canadian auto carriers
- Recommend coverage limits and endorsements that suit your situation
- Help with policy changes, address updates and renewals
- Support you through the claims process from first call to resolution
FAQ
Common questions about auto insurance
What coverage is required for Canadian drivers?
Every Canadian auto policy must include third party liability, statutory accident benefits, direct compensation property damage and uninsured automobile coverage. Collision and comprehensive are optional but commonly added.
How is my auto premium calculated?
Insurers consider many factors, including your driving record, claims history, vehicle, where you live, how you use the vehicle and the coverage you choose. We can explain what is influencing your rate.
Will my rate go up after a claim?
It depends on the type of claim, fault determination and your insurer's rating rules. We will review your situation and explain the likely impact before you decide how to proceed.
Can you help if I am considered high risk?
Yes. We work with standard and specialty markets and can often find coverage for drivers with tickets, lapses or past claims.
Coverage and eligibility vary by insurer. This information is educational and not a substitute for the wording of your policy.
Ready to talk auto insurance?
A licensed RIBO broker will review your situation and walk you through the options. No pressure, no jargon.