Direct Compensation Property Damage (DCPD): Available only in New Brunswick, Nova Scotia, Ontario, P.E.I. and Quebec, this covers the cost of loss or damage to your car in an accident for which you were not entirely responsible. To qualify, the other driver has to be identified, insured and found to be at least partially at fault. In some provinces, you can no longer sue another person for damage to your car.
When it comes to auto insurance, especially auto insurance in Ontario, many people question whether or not there’s really a way to save money on it. There is! While there are many ways to save, none are more effective than shopping around. How can we be so sure? Well, on average, InsuranceHotline.com shoppers save $450* after comparing car insurance quotes on our site. And, all it takes is a few minutes to compare quotes from our network of over 30 insurance providers. 

Dashboard camera, or “dashcams”, is a new technology that is becoming increasingly popular. The appeal is that if there is a dispute of who is at fault in an accident with no other witness, or the other party flees the scene, you have objective proof to fall back on. There is no mainstream or common discount from most insurance companies, at least not yet. There are some ways they can help lower your rates indirectly, however:


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Young drivers, those under 25 years of age, can expect to pay considerably more for auto insurance in Ontario. The younger the driver the higher the premiums tend to be. Statistics show that young drivers are much more likely to have traffic violations and be involved in car collisions, probably partly due to lack of driving experience. Auto Insurance companies in Ontario take that into account and as a result charge young drivers much higher premiums to compensate for the risk of insuring them.
Our guarantee is that within 30 minutes of answering your call, a claims representative will start the claims process, and will have the ability to take charge of the situation and arrange emergency support if required (the "Guarantee"). This applies only in respect of new loss or damage not previously reported to us in respect of a valid belairdirect personal auto or home policy (the "Policy"). The support offered by our claims representatives depends on your insurance coverage and when we receive your call. To activate the Guarantee, the policyholder must call and speak to a claims representative. No other form of communication is permitted to activate the Guarantee. The Guarantee is not valid if our operations are impacted by a system failure or catastrophic situation occurring in Canada at the time of your call, such as: earthquake, blackout, hailstorm, forest fire, flood, act of terrorism, war or other major natural disaster, or political unrest. If we are not able to live up to the Guarantee we will write you a cheque in the amount of the annual premium of your home or auto insurance Policy relating to the claim to a maximum of $1,000. Your coverage will not be affected as a direct result of this payment. Terms and conditions of this Guarantee may change without notice.
As more Toronto residents choose to use their own vehicle for their commute to and from work, the need for quality car insurance is higher than ever. Roughly four out of five people currently use their car or truck on a daily basis, and with these high numbers come an elevated number of accidents. Aside from honest accidents, other dangers exist such as large animals and drivers on cell phones. A recent survey revealed that 3.2 percent of Toronto drivers use their cellular devices while driving, and this can be just as dangerous as an impaired driver. Car Insurance is crucial for Toronto drivers, and there are a few pointers to ensure you get the best coverage for your money.
NerdWallet averaged rates for 30-year-old men and women for 10 ZIP codes in each state and Washington, D.C., from the largest insurers in each state. “Good drivers” had no moving violations on record and credit in the “good” tier as reported to each insurer. For the other two driver profiles, we changed the credit tier to “poor” or added one at-fault accident, keeping everything else the same. Sample drivers had the following coverage limits:
A couple of at-fault collisions, a few traffic violations or an impaired driving conviction is all it takes to get a high risk driver designation from an auto insurance company in Ontario. That sets you up for high auto insurance premiums for several years or perhaps worse, an outright cancellation or non-renewal of your existing Ontario auto insurance policy.
As more Toronto residents choose to use their own vehicle for their commute to and from work, the need for quality car insurance is higher than ever. Roughly four out of five people currently use their car or truck on a daily basis, and with these high numbers come an elevated number of accidents. Aside from honest accidents, other dangers exist such as large animals and drivers on cell phones. A recent survey revealed that 3.2 percent of Toronto drivers use their cellular devices while driving, and this can be just as dangerous as an impaired driver. Car Insurance is crucial for Toronto drivers, and there are a few pointers to ensure you get the best coverage for your money.
Although rural backroads and small-towns in Ontario do have their own unique hazards, owning and driving a car in an urban area, like Toronto or Ottawa, carries significantly higher risks for everything from traffic accidents to theft to minor fender benders. Due to the higher risk associated with cars in the city, car insurance is generally more expensive in city centres.

Comprehensive: With this option, you’re covered for any threat or danger other than collision, including theft*, damage or loss caused by vandalism, projectiles, and falling or flying objects such as stones kicked up by a truck in front of you. The important thing to remember is that this coverage applies to your vehicle only, not you or your passengers.
A couple of at-fault collisions, a few traffic violations or an impaired driving conviction is all it takes to get a high risk driver designation from an auto insurance company in Ontario. That sets you up for high auto insurance premiums for several years or perhaps worse, an outright cancellation or non-renewal of your existing Ontario auto insurance policy.

Δ PC pet insurance and travel insurance are arranged for by PC Financial Insurance Agency Inc. and are underwritten by selected Canadian insurers. PC Financial Travel Insurance To Go is not available in Quebec or New Brunswick. PC travel insurance online is available in all Canadian provinces except Quebec. PC pet insurance is available in all Canadian provinces.
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