Auto Insurance

Automobile insurance in Ontario is compulsory!

When owning an automobile in the province of Ontario, by law, insurance is required.    Certain coverages provided by an automobile insurance policy are necessary:

Compulsory Insurance coverage required is:

  • Third-party liability, in the event you or the driver of your vehicle causes damage or injury to a third party;
  • Uninsured automobile coverage provides coverage to you or your vehicle in the event the third party is uninsured;
  • Statutory accident benefits provides basic income replacement and medical coverage no matter who is at fault. Optional Increased Accident Benefits can be purchased depending upon on your need;
  • Direct Compensation – property damage provides physical damage coverage to your vehicle  when a third party is responsible. A deductible is not charged unless one has been chosen to lower your premium.

 Optional Physical Damage Coverage:

  • Collision or Upset provides coverage when the automobile is involved in a collision with another object or it tips over;
  • Comprehensive provides coverage other than those provided under collision or upset including falling or flying objects, vandalism and perils included under Specified Perils;
  • Specified Perils include fire, theft, lightning, windstorm, hail, rising water, earthquake, etc;
  • All Perils is a combination of collision or upset and comprehensive coverage.  Theft of the vehicle by a member of your household or employee is provided by this coverage.

Halwell offers a number of discounts to make buying auto insurance just a little easier:

  • Loyalty discounts after 3 and 7 years
  • Multi-vehicle discount- two or more vehicles
  • Multi-policy discount:   two or more policies including: home, auto, commercial vehicle, and Commercial General Liability
  • Graduated License discounts for young drivers
  • Students away from home discount
  • Short commuting distance discount
  • Mature discount (40+)
  • Gen Now discount (Children of existing policy holders are eligible)