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Auto Insurance In Canada

Auto Insurance in Canada

Whether you need to insure a family vehicle or your child’s first car, Sharp Insurance is ready to protect your ride. You can rely on our team of insurance experts to find customizable coverage that fits your needs. We partner with the top insurance companies in Canada to provide you with excellent options at the best value. A quote from Sharp Insurance, the leading auto insurance broker, is always fast and free. So why wait — contact one of our trusted advisors today.

Mandatory and Optional Auto Insurance Coverage in Canada

Whether you’re driving a sedan, a sports car or an SUV, we have the insurance coverage that matches your unique needs. Basic insurance coverage may be required to get you back on the road or to take your first ride as a new or teen driver.

Below is an overview of mandatory and optional auto insurance coverage.

Mandatory Coverage

  • Third-party liability coverage: Helps pay for injuries and damage you cause to others. If you get sued, this coverage will help pay for legal expenses.
  • Accident benefits coverage: If someone gets hurt in an accident, the driver will receive income replacement, rehabilitation and medical benefits.  It doesn’t matter who is at fault.

Additional optional coverage includes emergency services, roadside assistance, family protection, glass protection and more.

On January 1, 2023, Alberta adopted the mandatory direct compensation for property damage (DCPD) coverage, which provides compensation for damage to vehicles, no matter who is at-fault in an accident. Ontario also has DCPD coverage.

Is Car Insurance Required in Canada?

Yes, a driver must carry the basic vehicle insurance coverage to drive on all roadways. This mandatory coverage includes accident benefits insurance and third-party liability. It’s recommended to have between $1 million to $2 million in third-party liability coverage, which is above the minimum requirement of $200,000 to $500,000 in most provinces.

If you’re at-fault in an accident, this coverage will help cover medical expenses, damages and legal costs if you’re sued. Comprehensive and collision coverage are both optional coverages. Some drivers opt out of both coverages but if you don’t budget for repair costs, you will benefit from having comprehensive and collision coverage on your auto insurance policy.

Is Car Insurance required

Contact one of our Sharp Insurance brokers for an overview of your current situation. A broker will review your insurance policy with you page by page and advise you on the coverage options you can include in your policy. Having adequate coverage will help you have peace of mind driving from A to B.

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Once you’re a Sharp Insurance client, you will have access to your insurance documents 24 hours a day, 7 days a week. Our online self-service portal and mobile app lets you view and print your pink cards, make a claim, view payment details and submit policy change requests at your own convenience.

We know you’re busy. With Sharp, you have the freedom to do your insurance wherever and whenever you want, without waiting on hold for a broker.

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Did You Know

All licensed drivers of a legal driving age in your household must be declared on your insurance application. This includes your spouse, your children, your relatives and often your roommates. Our experienced auto insurance brokers will work on your behalf to find you comprehensive coverage options at a premium that works for you.

 

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Auto insurance

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Currently Not Accepting Walk-Ins

Please be advised that due to unforeseen circumstances, Sharp is unable to assist walk-in clients at the moment.

We are happy to assist you with all your insurance needs over the phone at 1.877.218.2008