What type of car insurance is mandatory in Ontario?

In Ontario, the minimum coverage required by law is:

  • Liability
  • Direct Compensation – Property Damage
  • Uninsured Automobile Coverage
  • Accident Benefits

You can’t legally drive without these four.

Depending on your needs you might want to add optional coverages that would repair or replace your car if it’s damaged. Collision and comprehensive coverages aren’t required by law. But, they’re highly recommended if you want to avoid paying costly bills out of pocket. Collision takes care of damage to your car in case of an accident with another car or object. Comprehensive covers damage from fire, theft, falling objects, and more. There are more coverages

Want to know more? Check out our video that explains collision and comprehensive in more detail. You can also reach out to one of our Customer Service Heroes via chat or email. They’re happy to help!