Has your vehicle been damaged by hitting a pothole? Find out if your insurance will cover the damage. Learn about tips to avoid potholes.
Written by
Kayla Jane Barrie
Feb 19, 2025• 3 min
Learn the legal ramifications of listing a different address on your car insurance. We explain when it's acceptable and when it could lead to serious consequences.
Feb 12, 2025• 3 min
Leaving the scene of an accident in Ontario? Discover the hefty fines, dramatic insurance increases, and potential criminal charges you face. We explain the law and your options.
Jan 16, 2025• 2 min
Ontario has increased the vehicle accident reporting threshold to $5,000 – here’s how it can impact the claims process.
Jan 13, 2025• 5 min
Lying to your insurance company can cost you - fines, claim denial, and even jail time. Learn what happens if you lie to your insurance company.
Jan 12, 2025• 2 min
Insurance fraud cases, the cost of accident injury claims, and abuse of the system all contribute to rising policy costs. Drivers need to be aware of the signs of fraud and the common types.
Jan 9, 2025• 3 min
Extreme weather events are on the rise. Are you covered for the damage to your vehicle? Learn about the types of insurance that protects your vehicles against weather events.
Dec 10, 2024• 2 min
The Statutory Accident Benefits Schedule in Ontario ensures certain benefits are available to any person injured in a car accident. In this blog, we’ll discuss what the statutory accident benefits schedule is and the role it plays in insurance and accident benefits claims.
Nov 29, 2024• 3 min
Learn about pay-as-you-go insurance in Canada. Find out the costs, how it works, who it’s for and if it is available in your area.
Nov 27, 2024• 4 min
Driving without insurance in Ontario is not worth the risk. Learn about the most common questions about driving without coverage, fines, penalties, consequences and the potential impact on your policy.
Nov 26, 2024• 3 min
Uninsured motorist coverage in Ontario provides protection if you’re involved in an accident with an uninsured or underinsured driver. Learn about policy limits and options.
Nov 20, 2024• 3 min
Need to add a secondary driver to your Ontario car insurance? Learn the rules for occasional driver coverage, the difference between primary and secondary drivers, and how to get the best rates.
Nov 13, 2024• 4 min
Understand non-owner car insurance in Canada, including its coverage, cost, and how it benefits drivers who use vehicles they don’t own.
Oct 29, 2024• 5 min
Are you covered if your vehicle is stolen? Learn everything you need to know about car theft coverage, what to do if your car is stolen, how to file a claim, and auto theft prevention tips.
Oct 28, 2024• 3 min
If your car is vandalized, will insurance help cover repair costs? Learn all about the specific type of coverage you’ll need to cover vandalism.
Oct 21, 2024• 5 min
Wondering about salvage and rebuilt title cars in Ontario? Learn how coverage differs and how it influences insurance options.
Sep 30, 2024• 4 min
Do you have hit and run insurance? Not sure? Learn about hit and run insurance and how it works if you’re a victim.
Sep 24, 2024• 3 min
Learn about how auto insurance covers transmission damage, explore extended warranties and mechanical breakdown insurance, and get helpful transmission maintenance tips.
Sep 12, 2024• 3 min
Have you noticed a surcharge on your insurance? Certain vehicle rates could increase by up to $1,500 unless you take preventative measures to reduce theft. Learn more about insurance surcharges in this blog.
Sep 9, 2024• 8 min
What are the cheapest cars to insure in Ontario? Find out what new and used cars, SUVs, & trucks are the cheapest to insure so you can save.
Sep 6, 2024• 6 min
What is the average car insurance cost in Ontario? Learn about average car insurance in Ontario and key factors that influence costs in 2024.
Aug 30, 2024• 3 min
Discover the link between your credit score and car insurance in Canada. Learn how your financial history influences your rates and strategies to improve your score for costs.
Aug 15, 2024• 4 min
Are you looking for ways to prevent vehicle theft? Learn how anti-theft devices can help lower your rates and deter thieves from targeting your car.
Jul 24, 2024• 3 min
Read our guide to understanding an insurance declaration page. Learn what it covers, why it's important, and how to read it to ensure proper coverage.
Jul 19, 2024• 4 min
Who is at fault for a t-bone accident? What will insurance cover? Find out how t-bone accidents happen and why you may be at-fault for it.
Jul 18, 2024• 4 min
Thinking of filing a car insurance claim? Want to learn more about the process? Get tips and answers to common questions about auto claims.
Jun 20, 2024• 4 min
Do you need to buy rental car insurance? Learn about the types of coverage for vehicles, your options, and get answers to FAQs.
Jun 13, 2024• 4 min
Accident forgiveness car insurance is increasingly common today, and it is a feature offered by many companies in Ontario. Here's what you need to know about before signing up, and how to qualify.
Jun 12, 2024• 4 min
Can you get temporary car insurance in Ontario? In this blog we’ll define temporary car insurance, explain if it exists in Ontario and answer commonly asked questions.
Jun 11, 2024• 4 min
Third party liability car insurance is one of the most important types of mandatory coverage. In this blog we will explain what is covered with third party liability and how it works.
Jun 10, 2024• 4 min
Are you confused about the meaning of no-fault insurance? In this blog, we’ll explain how it works and answer common questions drivers ask.
May 30, 2024• 3 min
Did you get into an at-fault car accident in Ontario? Learn about at-fault accidents, how insurance companies determine fault, and how it can impact your automobile coverage.
Apr 18, 2024• 4 min
Learn about Comprehensive Insurance in Ontario. We’ll explain comprehensive insurance policies, how much it costs and when you need it. Get answers to common questions about this type of car insurance.
Apr 15, 2024• 2 min
Are you aware of how speeding tickets affect your car insurance? Here, we outline how speeding tickets can impact your policy.
Apr 12, 2024• 4 min
We’ll explain collision car insurance in Ontario. Learn about the coverage, if you need collision insurance for older vehicles, how much it will cost, and get answers to common questions.
Apr 10, 2024• 2 min
Learn about the hidden costs of distracted driving in Ontario. Discover how a moment of distraction behind the wheel can have significant financial consequences and impact your insurance.
Apr 9, 2024• 2 min
Did you forget to put the brakes on and have a speeding ticket? Here’s what you need to know about speeding fines, laws, and how to pay.
Apr 8, 2024• 1 min
Are you wondering how much a careless driving ticket will affect your insurance in Ontario? Get our questions answered and learn how much you may see your rate go up.
Apr 5, 2024• 3 min
Got a careless driving ticket in Ontario? Here’s everything you need to know about careless driving charges, fines, and penalties.
Mar 29, 2024• 7 min
An Ontario driver’s abstract is an important document that outlines your driving record and history.This blog post outlines everything you need to know about driver’s abstracts in Ontario.
Mar 27, 2024• 4 min
Learn more about the most common parking tickets and how to pay parking tickets at your local municipality.
Mar 25, 2024• 2 min
Stunt driving can increase your insurance costs. Find out why you may see an impact, how much, and if you need to tell your insurer about it.
Mar 21, 2024• 3 min
Should you use winter tires in summer? Using winter tires in summer is not a good idea. Learn about the risks of driving with winter tires in summer.
Mar 12, 2024• 5 min
Learn what is considered stunt driving, or street racing, in Ontario and the new rules introduced if you are caught.
Mar 9, 2024• 2 min
Do parking tickets affect car insurance in Ontario? We answer your top questions about the impact of parking tickets in the province.
Mar 6, 2024• 2 min
Is there any truth behind Ontario demerit points increasing your insurance? In this blog, we answer one of the most common questions in insurance – will demerit points increase insurance?
Feb 26, 2024• 4 min
What qualifies as a driving conviction? Drivers must understand the difference between a conviction and a ticket because it may impact their rates. Learn about the three types of conviction categories and what they mean for you.
Feb 20, 2024• 3 min
Texting and driving have become a leading road safety risk. If you are caught, you could face fines and insurance increases.
Feb 19, 2024• 3 min
Learn everything you need to know about Ontario traffic tickets, including what to do if you receive one.
Feb 17, 2024• 7 min
Texting and driving in Ontario is still increasing, and so are the fines. Learn about the fines, penalties, and rules if you get a texting and driving ticket.
Feb 15, 2024• 2 min
Will that red light camera ticket increase your insurance rate? Find out if you can see an impact on your monthly payments if you get caught running a red light.
Jan 4, 2024• 2 min
No one wants to get a traffic ticket, and when you do, one of the first things you want to know is how tickets affect your rates. Learn about the impact of traffic tickets and convictions on your Ontario insurance.
Dec 19, 2023• 4 min
Loss of use coverage in insurance provides temporary vehicle replacement if needed with the OPCF 20 endorsement. Learn all about loss off use OPCF 20.
Dec 8, 2023• 4 min
Changes are coming to Direct Compensation Property Damage (DCPD) in Ontario. Learn more about the expected changes in 2024 and how they may lower your premium but at risk. Determine how DCPD works and its relationship with collision coverage, no-fault insurance, and at-fault accidents.
Dec 5, 2023• 3 min
OPCF 49 is a new incentive to help drivers lower their insurance rate in 2024 – but is it worth the risk? Learn about the pros and cons of OPCF 49 and how to make an informed decision, without losing important coverage.
Oct 10, 2023• 4 min
Learn about how to decode your VIN and why it's important for insurance.
Sep 22, 2023• 6 min
Are you wondering what to do if your car has been impounded and how it might affect your insurance rate? Learn about your options here.
Aug 30, 2023• 3 min
Has your insurance been cancelled for non-payment? Learn about what it means and how you can get insurance after a cancellation for an affordable price.
Aug 18, 2023• 3 min
Learn about the medical standards and medical suspensions for drivers in Ontario.
Aug 14, 2023• 6 min
Driving offences can lead to licence suspensions. Learn how a licence suspension could affect your insurance coverage.
Jul 14, 2023• 4 min
Planning to take your car off the road? You should seriously consider parking insurance. Learn about if you need it and how to get parked car insurance.
May 31, 2023• 3 min
There are situations where you will want or be required to have additional insurance, often in the form of optional enhancements called the Ontario Policy Change Form (OPCF).
Apr 25, 2023• 3 min
Is it possible to put your car insurance policy on hold? Here’s what you need to know if you are considering pausing your policy with OPCF 16/17.
Apr 20, 2023• 2 min
Learn more about the meaning, definition, and explanations of OPCF 23A and OPCF 23B.
Apr 18, 2023• 2 min
OPCF 19/19A have differences, but they can both add an additional layer of protection to help you pay out an auto-related loss. Learn more about this Ontario policy modification and how to add it to your coverage.
Mar 29, 2023• 3 min
Proof of loss forms are an important document for drivers to understand. Learn what this form is, how to fill it out, and how it supports the claims process for Ontario drivers.
Jan 18, 2023• 4 min
Is it time to renew your insurance? Learn how to renew car insurance, what to consider, tips to save, and answers to common questions about the renewal process.
Jan 3, 2023• 4 min
Thieves are removing the catalytic converter from cars to make money. Catalytic converter theft is on the rise across Canada – here’s what you can do to prevent theft and if insurance can help with repairs or replacement.
Dec 22, 2022• 5 min
Commuting to work is something that millions of people do each day. For some, it’s a short drive, walk, or ride on public transportation, but for many of us, especially in large urban areas like Montreal, Vancouver, Toronto and across the GTA, commuting takes up a lot of our time.
Nov 16, 2022• 5 min
Electric vehicles are here to stay. We created a list of the best luxury, most efficient, and the cheapest EVs in Canada.
Oct 31, 2022• 4 min
No matter what type of insurance you have, knowing when you need an insurance binder is a crucial factor in the process. Here’s what you need to know about binders in insurance.
Oct 7, 2022• 5 min
Accumulated a few demerit points on your driving record? Here are some of the most common questions about demerit points in Ontario, how the demerit points system works, and if they can impact insurance.
Oct 5, 2022• 4 min
Sometimes basic policies do not include your most cherished belongings. Insurance endorsements help protect more of what matters. Here is what you need to know about them and how they can support your coverage.
Jul 27, 2022• 8 min
Impaired driving in Ontario is a serious offence. Learn about impaired driving fines, penalties, statistics and other important information all drivers in Ontario need to be aware of before they get behind the wheel.
Jul 15, 2022• 5 min
An insurance deductible is one of Canada's most commonly misunderstood aspects of policies. Learn about deductibles and what happens if you make a claim.
Jun 13, 2022• 3 min
Got caught speeding in a community zone by photo radar? Here's how speed cameras work and if the fines will impact your insurance rates.
Jun 6, 2022• 3 min
Do you have windshield insurance? Are you covered for a cracked windshield? Learn about the pros and cons of claiming a windshield repair or replacement.
Mar 3, 2022• 6 min
Find out how to save big on your car insurance. Why overpay? Check out our top 45 car insurance savings tips and lower your premiums!
Feb 23, 2022• 2 min
Should you purchase one way insurance for your vehicle? Does it provide enough protection for your driving needs? Learn about the difference between one way and two way insurance policies.
Feb 1, 2022• 6 min
Driving high is dangerous. When you drive while high on weed or illegal drugs, you put others at risk. Learn about the charges and laws in Ontario, Canada.
Jan 14, 2022• 3 min
How does it work if you have insurance and someone else is using your car – do you need extra coverage?
Sep 27, 2021• 4 min
Getting demerit points in Alberta is NOT a good thing. Have questions about demerits? This blog post answers your questions about demerit points in Alberta, how Alberta demerits work, and how they can impact your car insurance rates and driving record.
Jul 28, 2021• 4 min
80% of wildlife collisions involve deer – are you properly covered? Find out what to do if you hit a deer and how it affects insurance.
Jul 27, 2021• 5 min
60% of drivers have gotten behind the wheel when feeling tired. Drowsy driving needs to be taken seriously. Here we take a look at this important driving safety topic, outline the dangers of drowsy driving, laws, facts, and methods for prevention.
May 7, 2021• 3 min
What is gap insurance for your vehicle? Why do you need it? Get the answers to common questions about the coverage and if it's worth adding.
Mar 9, 2021• 3 min
Got a speeding ticket in Alberta? Got a photo radar or red light camera ticket? Learn about how a speeding ticket affects your insurance, your driving record and how to pay speeding ticket fines.
Mar 6, 2021• 2 min
Learn about OPCF 43 replacement value and waiver of depreciation. Not sure what they mean? Confused? They are important to know when it comes to total loss and theft claims if you have a new car.
Mar 2, 2021• 3 min
Driving without insurance in Alberta is against the law. Many drivers take the risk and drive without valid insurance. This puts other drivers and themselves at risk. Learn about the repercussions, fines, penalties, and answers common questions.
Feb 28, 2021• 2 min
Add the OPCF 44 Family Protection endorsement to protect your family and yourself from being in an accident with an underinsured driver.
Feb 26, 2021• 3 min
Many policyholders are unclear about the rules when cancelling their car insurance. Learn how to cancel your insurance and things to consider before you do it.
Feb 15, 2021• 5 min
Involved in a parking lot accident? Not sure what to do next? Learn about the rules and how fault is determined. Will your insurance or driving record be impacted?
Feb 9, 2021• 3 min
Did you know the burden of showing proof of insurance is on drivers, and failure to show proof could result in a fine? Learn about proof of insurance laws in Ontario and new digital pink slips.
Feb 4, 2021• 2 min
What is all perils insurance? We’ll answer your questions about all perils insurance in Ontario. Learn about what it covers and if you need it.
Jan 19, 2021• 2 min
What is a letter of experience for insurance? Learn about what they are, when you need them, and how they could potentially help you lower your costs.
Jan 19, 2021• 2 min
What is specified perils insurance coverage? Learn about named perils policies for Ontario drivers. Get info about coverage, if you need it & answers to common questions.
Jan 15, 2021• 6 min
Has your car been totaled in an accident? Is your car a write off? Learn about vehicle write offs for a total loss insurance claim.
Nov 10, 2020• 2 min
Do you have a driver in your household who’s increasing your insurance? You can remove them with the OPCF 28 or 28A excluded driver endorsement. Learn how to exclude a driver from your insurance.
Nov 2, 2020• 4 min
What are accident benefits? Do you have them in your policy? Learn about this important type of mandatory automobile coverage.
Oct 6, 2020• 4 min
If you are working on vehicle modifications, some can impact your insurance rate and are even illegal in Canada. Learn which car mods can improve your vehicle without increasing your premium.
Jun 25, 2020• 2 min
What are the most expensive cars to insure? In this blog post, we answer this question and much more as we look at common factors that make some cars more expensive to insure than others.
Jun 22, 2020• 2 min
Not sure what to include in your insurance cancellation letter? This article outlines what to include, tips for writing one, and sample auto and home coverage cancellation letters.
May 26, 2020• 2 min
If you rent or borrow other vehicles regularly, should add the OPCF 27 endorsement. Learn about OPCF 27 and get answer to common questions about it.
Feb 3, 2020• 4 min
Distracted driving is one of the biggest road safety issues in Alberta today. Learn about distracted driving laws, rules, fines, and how a conviction can impact your driving record and insurance.
Jul 18, 2024• 4 min
Thinking of filing a car insurance claim? Want to learn more about the process? Get tips and answers to common questions about auto claims.
Jun 20, 2024• 4 min
Do you need to buy rental car insurance? Learn about the types of coverage for vehicles, your options, and get answers to FAQs.
Jun 12, 2024• 4 min
Can you get temporary car insurance in Ontario? In this blog we’ll define temporary car insurance, explain if it exists in Ontario and answer commonly asked questions.
Jul 25, 2024• 5 min
Is it time to renew your driver’s licence in Ontario? Learn about how to renew your driver's licence online, how much it costs, and get answers to common questions about the process in 2023.
Jun 3, 2024• 5 min
What factors determine who is at-fault in an accident in Ontario? Get your questions about what defines at-fault and how to prevent being at-fault for an accident.
Jul 19, 2024• 4 min
Who is at fault for a t-bone accident? What will insurance cover? Find out how t-bone accidents happen and why you may be at-fault for it.
