In Ontario, all licensed drivers who own a registered vehicle are legally required to carry auto insurance. Driving without insurance is a serious offence under Canadian law, punishable by fines ranging from $5,000 to $50,000, suspension of your driver's license, and vehicle impoundment.

Auto insurance provides essential protection for your vehicles, listed drivers, and coverage against potential losses or damages. Ontario mandates the following key coverages in every auto insurance policy:

- Third-Party Liability Coverage: Protects you financially if you're responsible for causing injury, death, or property damage to another person. It covers legal costs and settlement expenses up to your coverage limit.

- Statutory Accident Benefits Coverage: Offers essential support regardless of fault, covering medical expenses, rehabilitation, attendant care, and income replacement if you're injured in an accident.

- Direct Compensation – Property Damage (DC-PD) Coverage: Covers damage to your vehicle, its contents, and associated costs if you're involved in an accident where another insured driver is at fault. Compensation is provided directly through your own insurer.

- Uninsured Automobile Coverage: Provides critical protection if you or your family members are injured or killed by an uninsured or hit-and-run driver. It also covers damages to your vehicle caused by an identified uninsured driver.

Whether you're shopping for auto insurance in the GTA, approaching a policy renewal, or seeking savings on your current coverage, understanding how your policy works is crucial.At Vanguard, our dedicated licensed brokers are committed to guiding customers every step of the way, ensuring personalized attention and solutions tailored to individual needs. Through our extensive network of insurance providers, we deliver:

- Customized car insurance policies designed to align perfectly with your budget and requirements.

- Optimal coverage options and competitive rates tailored to all driving histories.

- Comprehensive coverage for multiple vehicles of any age or type.

- Exceptional customer service from friendly, dedicated brokers and representatives.Peace of mind throughout every stage quotes, renewals, and claims management.