Third-Party Liability
May protect you when you are legally responsible for injury, death or property damage in an auto incident. Ontario requires at least $200,000 in liability coverage; higher limits are available.
Auto Insurance · Ottawa
Auto insurance for the way you drive.
Compare the premium alongside liability limits, deductibles, accident benefits and vehicle protection. A lower quote may leave more of a claim for you to pay.
Understand your policy
Know which protection you are comparing.
Statutory Accident Benefits
May provide eligible support after an auto injury, regardless of fault. Medical, rehabilitation and attendant-care benefits remain mandatory; review the July 2026 choices below for other accident benefits.
Uninsured Automobile Coverage
This may provide protection if you are injured or killed by an uninsured or unidentified motorist. It may also address eligible vehicle damage caused by an identified uninsured driver.
Direct Compensation - Property Damage
This may cover eligible damage to your vehicle, its contents and loss of use when another insured driver is responsible for an accident occurring in Ontario, subject to the policy and provincial rules. Ontario drivers may have options regarding this coverage. Removing or declining coverage can create significant out-of-pocket risk and should be considered carefully.
Collision and comprehensive coverage are generally optional. A lender or leasing company may require specified physical-damage protection.
Compare optional vehicle coverage and endorsements
- Collision or Upset Coverage
- May cover eligible damage to your vehicle caused by a collision with another vehicle or object, or by a rollover, subject to the deductible.
- Comprehensive Coverage
- May cover specified non-collision losses such as theft, vandalism, fire, falling objects or certain weather-related events.
- Specified Perils
- May cover only the particular risks named in the policy.
- All Perils
- May combine collision and comprehensive protection with additional coverage, subject to the policy terms.
- Loss of Use
- May help with eligible transportation or rental vehicle expenses while your vehicle is being repaired after a covered loss.
- Damage to Non-Owned Vehicles
- May extend specified physical-damage coverage when you rent or temporarily use an eligible vehicle you do not own.
- Removing Depreciation Deduction
- For eligible newer vehicles, an endorsement may reduce or remove depreciation deductions when settling a covered total loss, subject to stated conditions and time limits.
- Family Protection
- May provide additional protection when an at-fault driver has insufficient liability insurance to satisfy an eligible claim.
These descriptions are summaries only. The Ontario Automobile Policy, applicable legislation, regulations, endorsements and your insurance documents determine the actual coverage.
Ontario changes · July 1, 2026
Review your accident-benefit choices.
Medical, rehabilitation and attendant-care accident benefits remain mandatory. Other accident benefits are optional.
Renewing an existing policy?
Existing policies renew with the same coverages and limits unless you agree to changes in writing. Benefits are not automatically removed at renewal.
Optional accident benefits apply to the named insured, their spouse, their dependants and the spouse’s dependants, and listed drivers. Check who is covered as well as the benefits selected.
Read FSRA’s guidanceConsider what you would need after an injury.
Review your income, workplace benefits, caregiving, household responsibilities and reserves before changing coverage.
Optional and increased benefits to discuss
- Income replacement
- Non-earner benefits
- Caregiver benefits
- Housekeeping and home-maintenance benefits
- Lost educational expenses
- Expenses of visitors
- Damage to personal items
- Death and funeral benefits
- Dependant-care benefits
- Indexation
- Additional medical, rehabilitation and attendant-care protection
For a new policy, confirm which optional benefits and limits are included in the quote.
Incomplete or inaccurate information may affect premiums, policy validity or a claim. Review the policy when a driver, vehicle, address or use changes.
An accurate quote starts here
Tell us who drives and how the vehicle is used.
Drivers and history
Disclose all licensed household members, regular or occasional drivers, the primary driver, newly licensed drivers and students away from home. Include accidents, convictions, cancellations and coverage lapses.
Vehicle and use
Confirm ownership, modifications, garaging address, annual kilometres and commute distance. Disclose business use, deliveries and rideshare driving.
What else affects the premium?
Alongside driver and usage details, insurers consider driving experience, vehicle make, model and year, repair costs and theft experience, selected coverage, deductibles, liability limits and insurance history.
Potential discounts
- Combining home and auto insurance
- Insuring multiple vehicles
- Using approved winter tires
- Participating in an eligible usage-based program
- Maintaining a favourable insurance history
- Meeting insurer-specific eligibility requirements
Discounts, rating factors and underwriting rules vary by insurer.
Auto insurance FAQ
Questions for everyday driving.
What is a deductible?
A deductible is the amount you agree to pay toward an eligible claim before the insurer pays the remaining covered amount, subject to the policy.
Does personal auto insurance cover food delivery or rideshare driving?
Not automatically. Delivery, rideshare and other commercial uses must be disclosed. Specialized coverage or an insurer-approved arrangement may be required.
Can I lend my car to another driver?
Coverage may extend in certain circumstances when a licensed driver uses the vehicle with permission, but policy terms and driver eligibility apply. Regular drivers should be disclosed and properly listed.
Will my policy cover a rental vehicle?
Not necessarily. Coverage may be available through an endorsement, the rental company, a credit card or another arrangement. Confirm the protection and limitations before declining rental coverage.
What should I do after an accident?
Prioritize safety, contact emergency services where required, exchange information, document the scene and report the incident to the appropriate insurer and authorities within the required time. Follow the insurer’s claim instructions.
Compare with Centerpointe
Bring your current policy and renewal quote.
We’ll compare available options using the same driver and vehicle details, explain differences in limits, deductibles, endorsements and settlement terms, and help you understand the risk you retain.
Auto Insurance Areas We Serve
Auto insurance guidance in Ottawa and neighbouring Eastern Ontario communities.
Ontario automobile insurance is subject to applicable legislation, regulations, approved policy forms, endorsements, insurer underwriting requirements and eligibility.
Coverage, premiums, deductibles, limits, exclusions, accident benefits, endorsements, discounts and settlement terms vary by insurer, driver, vehicle and policy.
The descriptions on this page are summaries only. Do not rely on them instead of the Ontario Automobile Policy, Statutory Accident Benefits Schedule, applicable endorsements or your insurance documents.
Material information and changes involving drivers, vehicles, addresses and vehicle use must be disclosed to the insurer.