Buying Ontario auto insurance through a broker
Auto insurance is compulsory in Ontario, and the province sets the coverages every policy has to include. What differs between companies is price, optional coverage and how claims get handled. As a broker, Riders Plus quotes your car across the insurers we work with, and we can keep it on the same account as your bike.
What the province requires
FSRA, the regulator for Ontario insurance, publishes the current list of what a standard auto policy must carry and what’s optional. Those rules do change, so rather than repeat them here we’ll point you at the source: It’s the law, what you need to know and What is in a standard auto insurance policy. A broker will walk you through the choices that apply to you.
What a broker actually does here
- Quotes the same vehicle and driver details to several insurers, so you’re comparing like for like.
- Explains the optional coverages and the deductible choices before you commit to them.
- Handles the paperwork when you add a car, change an address or swap a vehicle mid-term.
- Stays your point of contact if you have to make a claim.
Putting the car and the bike together
We started with motorcycle insurance and that’s still most of what we do, so riders who bring us the car as well usually end up with one broker handling both. Insurers we work with commonly offer a multi-policy discount when the policies sit with the same company. The amount varies by insurer and by driver, so we quote it before we talk about it.
Get a quote
Call 1-877-251-4504, or 416-251-1447 for the office, or send us your details. Coverage can’t be bound or changed without speaking to a licensed broker.
This page is general information about how auto insurance is arranged in Ontario. It isn’t advice about your own policy, and your coverage is whatever the wording your insurer issues says it is.
