Car Insurance in Ontario

Insurance coverage for the things that move you

Protect your vehicle with our standard auto insurance, plus a choice of add-ons to enhance your car insurance coverage

Your car gives you the freedom to live, work, and travel. Whatever vehicle you drive—car, truck or SUV, collector/antique, motorhome and even a snowmobile, we offer coverage options to meet your needs.

Mandatory car insurance coverage in Ontario

You need auto insurance to drive a vehicle in Ontario. The standard automobile insurance covers:

Coverage for legal costs for a lawsuit if you injure someone or damage someone’s property as a result of an accident.

Accident Benefits

Coverage to help you recover from injuries as a result of a motor vehicle accident, regardless of who was at-fault.

Direct Compensation Property Damage

Coverage for damage to your vehicle where you were not at-fault. It also covers the costs of a rental vehicle. You have the option to remove this coverage. Talk to your insurance broker to learn more.

Uninsured Motorist

Coverage for damage to your vehicle and your injuries if you were in an accident caused by an uninsured or hit-and-run driver.

Optional add-ons for enhanced coverage in Ontario

Enhance, add, or modify your Ontario auto insurance policy to fit your needs.

Collision or Upset

Coverage for damage to your vehicle if you hit another vehicle or object, or if you’re the victim of a hit and run.


Combines Specified Perils coverage and damage caused by flying objects or vandalism.

All Perils

Combines Collision or Upset and Comprehensive, plus theft by a person who lives in your home.

Specified Perils

Coverage for damage to your vehicle caused by specific perils such as fire, lightning, theft, hail, and more.

Optional Accident Benefits

Increased standard accident benefits coverage for your additional protection.

Up to $5 million coverage available to increase your liability coverage.

Driving Record Protection

Maintains your driving record after your first at-fault claim.

Rental Vehicle

Helps pay for the cost of a rental vehicle up to a specified limit if your vehicle is being repaired or replaced after a covered claim.

Removing Depreciation Deduction

If you have a brand new vehicle, this coverage removes the depreciation in the event of a total loss within a defined period so that you can replace your vehicle with a like make and model.

Bundle your home and auto insurance

Whether you own or rent a home, we offer insurance coverage options to meet your needs. And when you bundle your home and auto insurance with us, you enjoy additional savings.

Tips to prevent auto theft

Find out how you can defend against the risk of auto theft with common-sense practices, innovative technology and more.

Car insurance in Ontario

With Gore Mutual, you get:

Protection for what matters most

Standard auto insurance coverage with add-on option for enhanced protection.

Exceptional claims service

Dedicated and knowledgeable Claim Advisors to help you through a claim.

Ways to save

Additional savings if you bundle your car and home insurance, or insure more than one property with us.

Involved in an accident?

We have some helpful information to guide you through a motor vehicle incident.

The content on this page is for information purposes only. The insurance products described herein are subject to terms, conditions, restrictions and exclusions. Please contact your insurance broker for complete details or if you would like to learn more.