Ontario requires third-party liability and uninsured automobile coverage. For a new policy purchased on or after July 1, 2026, mandatory accident benefits cover medical, rehabilitation and attendant care; other benefits are optional. Direct Compensation-Property Damage (DCPD) is included in the standard policy, but a written election can remove your right to recover collision damage. Review those choices before buying.
Before agreeing to a vehicle pickup date, ask a licensed insurance professional to confirm the coverage, effective time and proof of insurance you will need. A quote request alone does not put coverage in force.
| Coverage | Status | What it does |
|---|---|---|
| Third-party liability | Mandatory | At least $200,000 is required by law. Compare higher limits with your licensed professional. |
| Accident benefits | Mandatory core; optional additions | For new policies from July 1, 2026: medical, rehabilitation and attendant care remain mandatory. Income replacement and other benefits are optional. |
| Uninsured automobile | Mandatory | Protection for specified losses involving uninsured or unidentified vehicles, subject to policy conditions. |
| Direct compensation (DCPD) | Standard; written election available | Your own insurer handles eligible not-at-fault vehicle damage. Conditions apply; an OPCF 49 election gives up recovery rights. |
| Collision | Optional | Damage from collision or upset, subject to the deductible, exclusions and policy conditions. |
| Comprehensive | Optional | Specified non-collision losses, such as theft, fire and vandalism, subject to policy conditions. |
Check FSRA's standard policy guide, the July 2026 accident-benefit changes and the OPCF 49 election before choosing coverage. Ask what you would have to pay yourself after an accident.
Ask for prices using two deductible options while keeping the other coverage the same. Compare the annual premium difference with the extra amount you would pay after a covered loss. Before removing collision from an older car, consider its replacement cost, your available cash and any lender or lease requirements. Savings depend on the insurer and your circumstances.
This article is general information, not insurance advice. Insurance Genie is not an insurer, brokerage or agency. Coverage is defined by the policy wording issued by the insurer and confirmed by the licensed organization that places it.
Car insurance · comparison examples
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Assumed amounts · CAD per year
Keep vehicle, driver, use and coverage details consistent when requesting proposals. Illustrative amounts, not a quote.
Compare liability limits, accident benefits, deductibles and optional coverages alongside price. Illustrative amounts, not a quote.
A different deductible changes your share of a covered loss. Ask for actual options and compare the tradeoff. Illustrative amounts, not a quote.
Illustrations use assumed premiums and are not insurer offers, customer results or guaranteed savings. Compare the same limits, deductibles and coverage before choosing. .
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Use car insurance blogs to prepare questions and understand terms, then verify coverage with the licensed organization arranging the policy. Start with the deductible, optional coverage, driver information and payment schedule. Check the article's sources and whether its province matches your situation. Browse our insurance guides or prepare a renewal checklist before comparing offers.
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