What type of car insurance is mandatory in Ontario?

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In Ontario, the minimum coverage required by law is:

Liability
Uninsured Automobile Coverage
Accident Benefits

You can’t legally drive without these three.

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.

Heads up! As of January 1, 2024, Ontario auto insurance policyholders can opt out of Direct Compensation Property Damage (DCPD). DCPD was previously mandatory in Ontario. This coverage is also known as Collision – Not Your Fault.

Think carefully before removing DCPD from a vehicle. If you decide to opt out, here’s what to consider:

You’ll have to pay out of pocket to repair or replace the vehicle even if you’re not at fault in an accident.
You won’t be compensated by anyone else’s policy. And, you can’t sue anyone to recover damages. This includes anyone at fault for causing the damage. It also includes their insurer.
If you have Collision or All Perils coverage, they will be removed from that vehicle.
Extras like towing, storage, and a rental vehicle will also be removed.
If you lease or finance your car, the contract with your lender might not allow it.
You can’t remove the coverage through your Sonnet.ca account. You must call in and we’ll send you a paper consent form to fill out and send back to us.

We always want you to be fully protected! Have questions about your policy? Reach out to one of our agents via chat or email. They’re happy to help!

*Complimentary one-year membership to TELUS Health Virtual Care is available to the primary named insured on a Sonnet property or auto policy. Offer is limited to one Sonnet account with at least one active home or auto insurance policy. The primary named insured’s partner, spouse and any dependents under the age of twenty-six may also use the TELUS Virtual Health Care membership. Offer does not extend to the purchase of a Sonnet Pet Insurance policy. Offer is not available to residents of New Brunswick. Note that controlled substances cannot be prescribed by TELUS Health Virtual Care.

Sonnet Pet is distributed under a distribution network agreement by Sonnet Insurance Company and is underwritten by Petline Insurance Company. Products are available to residents of B.C., Alberta, Ontario, Québec, New Brunswick, Nova Scotia and P.E.I. and provide coverage to eligible pets. All coverage described is subject to the terms, conditions, limitations and exclusions contained in our Policy Wordings. In the event of a discrepancy, your policy wording governs.

Sonnet Insurance offers online home and auto insurance to residents of Ontario, Quebec, New Brunswick, Nova Scotia and P.E.I. In B.C. and Alberta we offer online home insurance. Unfortunately, we’re not able to service Saskatchewan, Manitoba, Newfoundland & Labrador and the territories, or Alberta or B.C. auto insurance customers at this time.

Always refer to your insurance policy for information about your coverage, including limits, deductibles, and exclusions. In case of discrepancy, the insurance contract prevails over general information available on this site. Any policy related changes made on this site will not be effective until you receive confirmation.

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