The cost of car insurance will depend on the type of cover you hold. (for example: Third Party Property, Third Party Fire & Theft or Comprehensive), It will also depend on how risky you are to insure, meaning premiums can vary.

When using our online quoting system, we ask you specific questions to help you find coverage that suits your individual needs and budget.

Details that impact your premiums include:

• Your claims history
• Where you live
• Where your car is parked (for example: in a locked garage or on the street)
• Your driving history (and the driving history of other drivers listed).

‘Extras’ are inclusions or perks that are bundled into your car insurance policies. Some of these extras or  ‘benefits’ are:

• Hire car cover. Your insurer may provide you with a hire car when your vehicle is being repaired or replaced.
• Roadside assistance. Your insurer may cover the cost of roadside assistance.
• Replacement keys. Your insurance provider may cover the cost to replace your keys if you were to lose them.
• Windscreen cover. Your insurer may cover the cost of repairs or replacement, including cracks to your windscreen.
• Personal effects cover. Your insurer may cover the cost to replace your valuables in your car (up to a certain value).

Deductible is the amount you’ll pay your insurer when you make a claim on your policy. This deductible is agreed upon when you first purchase the policy. When you make a claim, you will pay this amount, while your insurer will pay the rest of your repair/replacement costs up to the agreed amount on your policy. Most drivers have a $500 deductible. In Ontario, the standard deductible offered by insurance companies is $500 for collision and $300 for comprehensive.

There are different types of car deductibles:

• Standard deductible. This is paid out of pocket when you make a claim.
• Voluntary deductibles. This is paid in addition to your other deductibles charges, sometimes for a cheaper premium.

If you are not-at-fault in a collision or an accident, you may not be required to pay the deductible. However, there is an exception to this rule. When the at-fault party is not identified, for example, say you’re involved in a hit and run and the guilty party is not found or identified, you may still be required to pay the deductible.

You can choose various levels of coverage, depending on how much protection you want for your car insurance:

• Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
• “Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
• All Perils protection combines both of the above coverages.
• Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.