We're
standing by now to assist you with the ontario automobile insurance
quotes you need to fulfill your ontario automobile insurance
needs. Feel free to use our service to compare ontario automobile insurance
pricing from multiple cariers.
Search results provided by EuroSeek.com:
Results from search: http://www.royalsunalliance.ca/royalsun/sections/auto_insurance/provinces/ontario.asp
Ontario Automobile Insurance
The Basics
Premiums & Payments
Tips & Links
FAQ's
Auto Insurance Terms
Countries..
World Group Office
Antigua
Argentina
Australia
Bahamas
Belgium
Bermuda
Brazil
Canada
Caribbean
Chile
China
Colombia
Denmark
Falkland Islands
France
Germany
Gibraltar
Hong Kong
India
Ireland
Isle of Man
Italy
Japan
Latin America
Malaysia
Malta
Netherlands
Netherlands Antilles
New Zealand
Norway
Oman
Pakistan
Peru
Philippines
Poland
Puerto Rico
Saudi Arabia
Singapore
South Korea
Spain
St Helena
Sweden
Taiwan
Thailand
UAE
UK
Uruguay
USA
Venezuela
Vietnam
Ontario Automobile Insurance
Anyone who owns a licensed vehicle in Ontario is required by law to carry at least minimal insurance coverage.
As of November 1, 1996, if you're caught driving without insurance in Ontario, you could be subject to fines of up to $50,000.
Basic components of an Ontario auto insurance policy
Optional Coverages
Optional Enhancements to Your Coverage
Special Programs for Ontario Drivers
Discounts
The Fault Chart
The Right to Sue
Select another province/territory:
Province/Territory...
Alberta
British Columbia
Manitoba
New Brunswick
Newfoundland
Nova Scotia
Northwest Territories & Nunavut
Ontario
Prince Edward Island
Quebec
Yukon Territory
Legal Notice
The information on this website is intended for promotional purposes and is not an insurance policy. It is not an offer of insurance.
It contains some information about coverages offered by Royal & SunAlliance but does not list all the conditions and exclusions which apply to described coverages.
The actual wording of the policy governs all situations.
The products and coverages described are subject to change. Please call your broker for complete details.
[ Report a Claim ]
[ Contact Us ]
Copyright ©2002 Royal & Sun Alliance Insurance Company of Canada All rights reserved
[ Website Terms and Conditions ]
Results from search: http://www.sthunt.com/autoapp.html
Stevenson & Hunt Insurance - Ontario Automobile
Insurance Application
Stevenson & Hunt Insurance
Brokers
Automobile
Insurance
Quotation Request
A
Stevenson & Hunt Account Executive can give you a
competitive premium since we quote from a large number of
established insurance companies. You are serviced by
Stevenson & Hunt, so you know you are getting the
best in service. Please provide us with the following
information. If you do not wish to use the on-line
application, simply email your name, email address, and
phone number to personal@sthunt.com .
Please
note: Stevenson & Hunt is only licensed within
Ontario, Canada.
Full Name:
Phone #
Are you a member
of a Stevenson & Hunt Group Insurance Program?
yes no
If so, what is
your Group Name?
Vehicle 1:
Year:
Make and Model:
Vehicle 2:
Year:
Make and Model:
Are you currently
insured?
yes no
If yes, for how
long have you been continuously insured?
years
Is your vehicle
used for: (check all that apply)
Business
Pleasure
Farming
Do
you drive your car to and from work?
yes no
If yes, how far
one way?
km.
Annual Kilometres:
km.
Enter your city or
town name:
List Drivers'
names:
Driver 1
number of years licensed
Date of Birth
Driver 2
number of years licensed
Date of Birth
Driver 3
number of years licensed
Date of Birth
Is Driver 1 male
or female?
Male
Female
Is Driver 1 single
or married?
Single
Married
Do
you live in Ontario?
yes no
Any
at fault claims in the last 6 years?
yes no
If
yes, please describe (e.g. date, type of ticket etc.)
Any
traffic violations in the past 3 years?
yes no
If
yes, please describe (e.g. date, driver, etc.)
Have
any of the drivers lost their driver's license in the
past 6 years?
yes no
Coverages (Leave
blank if not required):
Liability limit:
Collision Deductible
Comprehensive
Deductible
E-mail address:
Thank you for
responding. To send, please click on the Submit
Request button below.
Return to
Homepage
Please report problems
with this page to: webproblem@sthunt.com ©1996-8 Stevenson and Hunt Insurance
Brokers Limited
Results from search: http://www.aon.ca/quicken/english/auto/provincialautopolicies.htm
Provincial Automobile Insurance Policies
Automobile
Insurance
Provincial Automobile
Insurance Policies
The various provincial
government agencies have provided us with the following MS Word automobile insurance
policies. For your convenience if you do not have MS Word 95 (or better) loaded on your
PC, you can display and print the Adobe Acrobat version (4 or above). If you do not have
the Adobe Acrobat Reader software on your PC, click on the following icon to download it
directly from the Adobe website.
Select the
relevant provincial auto insurance policy wording below :
Province
ADOBE
ACROBAT READER
(Version 3 or above)
MS WORD
DOCUMENT
(version 95 or above)
Ontario
Ontario Automobile Policy (OAP1)
Owner's Policy ( Will be available soon in Word format)
Ontario
Automobile Policy (OAP1) Owner's Policy . The government of Ontario, in consultation with the auto insurance
industry, has reviewed the wording of the Ontario Automobile Insurance Policy (OAP 1)
to respond to certain legislative changes and address a variety of other issues. The
revised OAP 1 has been approved by the Superintendent of Financial Services and is
effective January 1st, 2001.
Quebec
Quebec Automobile Policy Q.P.F. No. 1 Owner's Form and Endorsements
Quebec Automobile Policy Q.P.F. No. 1 Owner's Form and Endorsements
Prince Edward Island
Prince Edward Island- Standard Automobile Policy S.P.F. No. 1
(Owner's Form)
Prince Edward Island- Standard Automobile Policy S.P.F. No. 1
(Owner's Form)
New Brunswick
New Brunswick- Standard Automobile Policy
S.P.F. No. 1 (Owner's Form)
New Brunswick- Standard Automobile Policy
S.P.F. No. 1 (Owner's Form)
Nova Scotia
Nova Scotia - Standard Automobile Policy S.P.F. No. 1 (Owner's Form)
Nova Scotia - Standard Automobile Policy S.P.F. No. 1 (Owner's Form)
North Western Territories
Northwest Territories - Standard Automobile
Policy S.P.F. No. 1
Northwest Territories - Standard Automobile
Policy S.P.F. No. 1
Newfoundland
Newfoundland- Standard Automobile Policy S.P.F. No. 1 (Owner's Form)
Newfoundland- Standard Automobile
Policy S.P.F. No. 1 (Owner's Form )
Saskatchewan
Saskatchewan - Auto Pak Booklet
Saskatchewan - Auto Pak Booklet
Yukon
Yukon Territory - Standard Automobile Policy S.P.F. No. 1
Yukon Territory - Standard Automobile Policy S.P.F. No. 1
Alberta
Alberta Standard Automobile Policy S.P.F. No. 1
Alberta Standard Automobile Policy S.P.F. No. 1
Results from search: http://www.aon.ca/english/ars/personal/new/newautowordings.htm
New 2001 Ontario Automobile Insurance Policy wordings
What's New?
The government of Ontario, in consultation with the auto
insurance industry, has reviewed the wording of the Ontario Automobile Insurance Policy
(OAP 1). It has been amended to respond to certain legislative changes and address a
variety of other issues. The revised OAP 1 has been approved by the Superintendent of
Financial Services and is effective January 1st, 2001. Click here to view and/or print the new automobile
insurance wording.
Copyright © 1999 Aon Corporation.
All Rights Reserved.
Results from search: http://www.ontarioinsurance.com/FSCO_UW_MainEngine.nsf/cd0bbbe7b8237
e1e85256482005b6998/15d15d8dbb7bb87985256aca0068f602?OpenDocument
Financial Services Commission of Ontario - Automobile Insurance in Ontario
Automobile Insurance in Ontario
Financial Services Commission of Ontario
AUTOMOBILE INSURANCE IN ONTARIO
A description of the car insurance required in Ontario and an outline of how to make shopping for automobile insurance easier and more economical. This information is for any driver or private passenger automobile owner in Ontario.
Who needs it?
If you drive a vehicle in Ontario, you must have insurance - it's the law. If you are injured in an automobile accident and unable to work, automobile insurance covers your medical expenses and provides you with income until you are ready to work. It will also pay for repairing any damage to your car as a result of an accident.
Fines for drivers who do not carry valid car insurance in Ontario can range from $5,000 to $50,000. You may also have your licence suspended.
Where do I start?
In Ontario, automobile insurance is sold by brokers and agents acting on behalf of private insurance companies. Prices vary, so you should be prepared to shop around. Service should be as important to you as price because, if you need to make a claim or change your policy, you need to know that your insurance company will handle your needs quickly and fairly.
Agents represent a single company and brokers represent more than one company. To find an agent or broker in your community you can look in the yellow pages of your telephone book. Ask your friends if they know of someone they would recommend. Or, if you know a company you'd like to deal with, phone it for the name of a representative in your area. All companies selling automobile insurance in Ontario must be licensed by the Financial Services Commission of Ontario (FSCO). FSCO also licenses agents. Brokers are self-regulated by the Registered Insurance Brokers of Ontario.
What do I get?
Every auto policy has certain specific coverages that are mandatory for everyone. This ensures that all people injured in automobile accidents -- drivers, passengers, cyclists or pedestrians -- will be entitled to certain accident benefits such as income replacement, medical care and rehabilitation, or attendant care. You can choose how much insurance coverage you want but you must, at the very least, have the following:
• Statutory Accident Benefits. This covers your medical and rehabilitation expenses and provides you with income if you are injured in a car accident, regardless of who is at fault in the accident. • Uninsured Automobile Coverage. This protects you if you are involved in a car accident with a hit-and-run driver or a driver who does not have any car insurance. • Third-Party Liability of at least $200,000. This covers you if you are sued because you or anyone else driving your car injures someone else or damages someone else's property. • Direct Compensation-Property Damage
(DC-PD). This covers you if someone else causes damage to your car and its contents. It is called direct compensation because you collect directly from your insurer.
While the above coverages are what you must buy at the very least, most drivers usually choose to buy extra coverage to get extra protection.
You can buy extra coverage to increase your maximum level of coverage for accident benefits that are available under the accident benefits section of your policy. These are known as optional benefits. Accident benefits protect you if you are injured in a car accident. They include income replacement, medical, rehabilitation and attendant care expenses, caregiver and dependent care benefits, and death and funeral benefits. Ask your broker or agent for more information on optional benefits.
What about the cost?
Companies base the premium they charge you for automobile insurance on the average claims costs for people like you, living in your area, driving the same type of vehicle with the same driving record. Although you cannot vary the basic mandatory insurance package that you must buy, you should comparison shop for price. The level of optional coverage you add to your policy is your decision and is one way to control the costs of purchasing insurance.
Here are more things to consider:
•Think about insurance costs before you buy your car or motorcycle. Talk to an agent or broker about the relative costs of insuring different makes and models. •Consider raising your deductible. Generally speaking, the higher your deductible, the lower the premium you pay. •Drive safely. Two key factors in determining your premium are at-fault automobile accidents and traffic convictions. •Find out if you're eligible for any discounts. Some discounts for which you may be eligible include multi-car discounts, group discounts, retiree discounts, renewal discounts or young driver discounts. •Let your broker or agent know whenever you move to another location, sell you car, reduce the number of drivers in your household, or substantially reduce your annual mileage.
A broker or agent is your best source of information about automobile insurance. Ask for an explanation of the coverage you need and how the protection works. The same broker or agent should be there whenever you need help: buying or renewing your insurance, making changes on your policy, or providing advice when you make a claim.
For recorded information on automobile insurance, call our 24-hour toll-free information line call 1-800-668-0128, or locally (416) 250-6750.
Results from search: http://www.ontarioinsurance.com/FSCO_UW_MainEngine.nsf/cd0bbbe7b8237e1e85256482005b6998/bb413a26ff4e0a8285256aca0068f605?OpenDocument
Financial Services Commission of Ontario - Automobile Insurance Rates
Automobile Insurance Rates
Financial Services Commission of Ontario
AUTOMOBILE INSURANCE RATES
Auto Insurance Rates for First Quarter 2002
Auto Insurance Rates for Fourth Quarter 2001
Auto Insurance Rates for Third Quarter 2001
Auto Insurance Rates for Second Quarter 2001
Auto Insurance Rates for First Quarter 2001
Auto Insurance Rates for Fourth Quarter 2000
Auto Insurance Rates for Third Quarter 2000
Auto Insurance Rates for Second Quarter 2000
Auto Insurance Rates for First Quarter 2000
Auto Insurance Rates for Fourth Quarter 1999
Auto Insurance Rates for Third Quarter 1999
Auto Insurance Rates for Second Quarter 1999
Results from search: http://www.insurance-canada.ca/consumerinfo/autoins1.htm
NEWSLETTERS: AUTO INSURANCE
ConsumerInfo is brought to you by Insurance-Canada.ca and the
sponsors of this section, with advice from our panel of experts.
Insurance information
for consumers:
Insurance: what's it all
about?
Homeowners' /
tenants'
insurance
Auto
insurance
Life
insurance
Health
insurance
Disability
insurance
Travel
insurance
Glossary
Insurance in
the news
Consumer resources
The
Insurance Book
Leave 'em laughing ConsumerInfo
archives
Insurance Canada
Valleywood Corporate Centre
60 Columbia Way, Suite 300
Markham, ON, L3R 0C9, Canada
URL: www.insurance-canada.ca
E-mail: Questions, comments,
webmaster & feedback to
Sally Praskey
Telephone: (416)-591-0478
ConsumerInfo
Infobytes:
AUTO INSURANCE
A fair
trade - safe driving contract for keys to the car
Policy cancellation -- a
true story
Car Insurance Costs: Savings
in Safety
Could you save more money on
your automobile insurance?
"CLEAR" -- a new
system for rating your vehicle
Before you head south . . .
Ontario automobile insurance
legislation: facts and FAQs
Ontario's Automobile
Insurance Plan: a consumer's view
For Better or Worse: What
are Betterment Charges?
NEWSLETTERS: AUTO SAFETY TIPS
Seatbelts Save Lives
The straight goods on
skidding
Twinkle, twinkle dashboard
lights : what do those warnings mean?
Right-of-Way Refresher
Course
Running on Empty : What
to do when you're Out of Gas
Buying
checklist Get the coverage you need and avoid unpleasant surprises by asking
your insurance representative some key questions before you buy or renew your auto
insurance.
FREQUENTLY
ASKED QUESTIONS
Results from search: http://www.insurance-canada.ca/consumerinfo/l18.htm
Auto Insurance Newsletters
Consumer Information is brought to you by Insurance Canada and
the sponsors of this section, with advice from our panel of expert advisors
Insurance information
for consumers:
Insurance: what's it all
about?
Homeowners' /
tenants'
insurance
Auto
insurance
Life
insurance
Disability
insurance
Travel
insurance
Glossary
Insurance in
the news
Consumer resources
The
Insurance Book
Leave 'em laughing ConsumerInfo
archives
Insurance Canada
Valleywood Corporate Centre
60 Columbia Way, Suite 300
Markham, ON, L3R 0C9, Canada
URL: www.insurance-canada.ca
E-mail: Questions, comments,
webmaster & feedback to
Sally Praskey
Telephone: (416)-591-0478
Consumerinfo
ONTARIO'S
AUTOMOBILE INSURANCE PLAN: A CONSUMER'S VIEW
By Helen Anderson, Chair of Insurance Committee,
Consumers' Association of Canada Ontario '95
Briefly, this legislation, called Bill 59, will provide
smaller no-fault benefits for all accident victims, and an enlarged tort system that
allows those drivers judged not at fault to sue for economic loss above the no-fault
benefits, for extra medical costs, and for pain and suffering.
Deductibles for Collision and Comprehensive have both been
raised to $300. Right now, most people carry $250 deductible for Collision and $100 for
Comprehensive coverage.
You can pay a higher premium to buy extra coverages,
including: income replacement up to $1,000 per week; protection against additional medical
and rehabilitation costs; larger death benefits; and inflation cover, among others.
Under "Direct Compensation Property Damage"
(DCPD), your own insurance company pays the cost of repairs to your car in an accident,
determined by the degree to which you were not at fault. Policies are being issued with a
zero deductible on DCPD, but consumers have the option of reducing their premium costs by
choosing to have a deductible.
You can sue for pain and suffering only if your injuries
are permanent and serious. There is a $15,000 deductible to avoid minor suits.
If the injuries are deemed "catastrophic," you
can sue for health care expenses in excess of the no-fault benefit of $1 million.
Only about two per cent of Ontario drivers have an accident
in any one year, and, of those, 40 per cent are judged completely not at fault. So, this
new plan will reduce premiums for drivers -- probably from five to seven per cent,
according to new filings at the Ontario Insurance Commission -- but it will also reduce
the standard benefits.
Other Highlights
Brokers must disclose to clients which insurers they have
agreements with, the companies they obtained a quote from, and the amount of each quote.
There will be pre-inspection of vehicles when a new policy
is issued.
Insurers must offer discounts to certain retirees.
The Facility (the insurer of drivers deemed to be high-risk)
rules are being revamped so that a minor lapse of coverage will not mean a steep increase
in premium.
Insurers will have to notify the Ministry of Transportation
when a policy is cancelled or not renewed, to try to catch those driving without
insurance.
There will be a central database for claims.
A new regulation is being written to set up a rating of
insurers' claims management practices.
Rate comparisons will be published every six months,
beginning in January/97.
Insurers will be assessed monies to pay for OHIP costs for
accident victims -- set at $90 million.
There will be a new position -- Insurance Ombudsman -- to
investigate complaints by consumers.
Transportation Ministry Changes
New legislation will prevent stolen, wrecked, and unsafe
rebuilt vehicles from being put back on the road.
Insurers will be able to inspect driving convictions records
at the Transportation Ministry offices.
Overall Impression
The insurance companies are being given more and consumers
less. Although premiums may go down, when (or if) you have an accident and make a claim,
you will find that the no-fault payments are much less and your deductibles higher. You
will have the option, when you take out or renew your insurance policy, to pay a higher
premium for larger benefits, i.e., increased weekly income, etc. If you don't "buy
up" and are dissatisfied with the amounts specified in the policy, you can always
sue, paying a lawyer out of your own pocket. These extra costs will not show up in any
lists of comparative rates put out by the Ontario Insurance Commission.
Note: The above information is intended for the benefit of
consumers, and is not meant to be exhaustive. Contact your insurance provider for more
details on Ontario's new automobile insurance plan.
Results from search: http://www.omia.com/content/products_est.htm
Ontario Mutual Insurance Association - Products - Automobile Insurance Program
For an estimate on your automobile insurance please visit one of our member companies selling automobile insurance. From their site you will be able to get an on-line, real-time estimate of the insurance cost for your automobile. Please select a company from the list or the map .
Contact - General: information@omia.com Technical: webmaster@omia.com - © 2000 Ontario Mutual Insurance Association
MEMBER LIST LIST
MAP
ONLINE QUOTES
PRODUCTS
REFERENCE
SAFETY/LOSS
PREVENTION
LINKS
MEMBER LOGIN
AUTOMOBILE INSURANCE PROGRAM
PRODUCTS
AGRICULTURAL BUSINESS
Farm-General
Dairy
Poultry
Swine
OTHER BUSINESS
Apartment
Church
Contractors
Home Business
Office
Retail
OTHER
Automobile
Residential
Financial
Results from search: http://www.gov.on.ca/FIN/english/pubseng.htm
Ontario Ministry of Finance | Publications
File
Format
Some
documents are only available in Acrobat PDF format ( v 4.0
minimum ). A FREE copy of the software required to view Acrobat PDF
files is available here for downloading, but this web site was created by an
organization outside of the Ontario government, and this organization is
responsible for the information contained within the site.
PUBLICATIONS Publications Ontario
Copies of the First Readings of Bills
administered by the Ministry of Finance are located at the
Ontario Legislative Assembly Web
Site in the Documents section. Please be aware that these are not
the final versions of the legislation. Third Readings of Bills administered by
the Ontario Ministry of Finance can be obtained from
Publications
Ontario .
December
2001
Information bulletin : Province
extends pension surplus regulation to 2002 (December 18,
2001)
November
2001
Information bulletin : professional
corporations (November 2, 2001)
September
2001
Review of the current automobile
insurance system : A consultation paper (78 K) (September 7,
2001)
Review of the current automobile
insurance system : Collateral benefits working group report (27 K) (September
7, 2001)
Review of the current automobile
insurance system : Report to the Minister from the advisory panel on
catastrophic impairment (1316 K) (September 7, 2001)
August
2001
Equity in education tax credit:
discussion paper (146 K) (August 30, 2001)
Listening
to Ontario - A summary of smart growth consultations (997 K) (August 20,
2001)
July
2001
Surplus distribution from defined
benefit pension plans : a consultation paper (98K) (July 18,
2001)
April
2001
Raising the bar: Enhanced
accountability to the people of Ontario (2720 K) (April 30,
2001)
Establishing a single financial
services regulator : Consultation draft (571 K) (April 12,
2001)
December
2000
Building Ontario's Future A SuperBuild Progress
Report, December 2000 (517 K) (December 4, 2000)
September 2000
Improving Ontario's financial services
regulation : establishing a single financial services regulator : a discussion
paper (407K) (September 8, 2000)
July
2000
Ontario Population Projections,
1999-2028 (425K) (July 26, 2000)
May
2000
Making accountability work : leader's
symposium : sponsored by Ontario Ministry of Finance and
CCAF-FCVI (295K) (May
15, 2000)
Corporations Tax
Information Bulletin #2755 - Combined Return, Short-Form Return and The Exempt
from Filing Policy for Corporations (22 K) (May 11, 2000)
December 1999
Improving the Competitiveness and Standard of Living of
Canadians : Common Position of Provincial and Territorial Finance Ministers (51
K) (December 2, 1999)
March 1999
Guide to Local Services Realignment 1998 Year-End Community
Reinvestment Fund Adjustments and 1999 Community Reinvestment Fund Allocations
(141 K) (March 25, 1999)
Report to Taxpayers : Spring 1999 (19 March
1999)
February 1999
Consultation Paper : Harmonization and Streamlining of
Pension Administration and Regulation (February 17, 1999)
(139K)
July 1998
Access to Locked-in Retirement Accounts in
Situations of Hardship and Shortened Life Expectancy (July 17,
1998)
February
1997
Financing Jobs and Growth (85 K) (February 14,
1997)
November
1996
Commitment to Change : Eliminating Overlap and Duplication
in the Regulation of the Trust and Loan Industry in Ontario (53K) (November
21, 1996)
August
1996
Ontario Report on Public Consultations on the Canada
Pension Plan (79K) (August 22, 1996)
November
1995
Executive Summary - Financial Review Commission (36K)
(November 20, 1995)
Navigation The site is best viewed with Netscape, but may also be
viewed with Internet Explorer.
|
central site |
feedback |
search |
site map | français | other
links | home | | What's
New | News Releases | Documents | Archives | |
About Finance | Budget |
Electricity | Legislative
Documents | | Ontario Economy |
Property Tax | Salary
Disclosure | Ontario Savings Bonds
| | Tax
Forms | Tax Publications |
Comments, feedback and general
inquiries to: Communications and Corporate Affairs
Branch, fincom@fin.gov.on.ca 95 Grosvenor Street, Queen's Park
Frost Building North, 3rd floor Toronto, Ontario M7A 1Z1 (416)
325-0333 (416) 325-0339 fax 1-800-263-7776 TTY
Copyright information: ©
Queen's Printer
for Ontario , 2002
Disclaimer
If you would like your website removed from
our search result
posting, please click here.
Links
