Auto Insurance

In Ontario, it is required by law that all drivers carry auto insurance. Your auto insurance quotes may vary depending on:

• Vehicle type
• Age of vehicle
• Driving/Boating record
• Previous insurance claims

At Ron Johnston Insurance, we have been serving drivers in Ontario for more than 40 years and make it our priority to keep you safe behind the wheel. We cover a wide range of vehicle types, including:

Car

Car insurance protects you, your vehicle, and the contents of your vehicle. If you are in a car accident, damage another person’s property while driving, or your car is stolen – car insurance ensures repairs are made, and property is replaced. Car insurance protects against:

• Fire damage
• Collision damage
• Falling objects
• Theft and vandalism
• Explosion
• Uninsured drivers

Motorcycle

A motorcycle has a higher risk of injury and damage in an auto collision. This means that rates on motorcycle insurance vs. car insurance differ. In Ontario, motorcycle insurance can cost nearly three times what you’ll pay for an annual car insurance policy. Fortunately, when you bundle with Ron Johnston Insurance, you can save.

Motorcycles are also a seasonal drive for many Ontarians. In icy winter conditions, many Canadians store motorcycles in favour of covered transport. If this is you, your motorcycle may require a seasonal coverage or flexible use policy.

Classic Car

Driving a classic car requires a unique insurance from a standard vehicle in Ontario. Classic cars aren’t used for daily drives, which means you are looking for protection on flexible usage.

Classic cars differ in value from Blue Book prices on modern rides. Your classic car may have been rebuilt using stock and custom parts. To ensure your auto insurance reflects these values, you should speak to your broker about classic car insurance.

Trailer

Trailers can be a home away from home during the summer season, or year-round. Trailer insurance covers several vehicle types, such as:

• Campers
• Horse trailers
• Haulers
• Fifth Wheel trailers

Working with our auto insurance brokers, you can cover your trailer from seasonal or year-round perils, including weather, fire, theft, and collision.

Boat

Boat coverage extends to the vessel itself, anything you’re carrying, and the people on board. It offers protection against liability issues, collision, theft, and vandalism.

Boat insurance in Ontario is not mandatory, but if you plan to dock at a marina or boat club, it is likely required by the organization.

Recreational Vehicle

A recreational vehicle is a broad category within auto insurance, including:

• ATVs
• 4×4
• Skidoo
• Motorhomes

Recreational vehicle insurance differs from trailer insurance as it protects the entire vehicle. Trailer insurance protects the additional trailer or connected vehicle towed behind a car or truck.

What Does Auto Insurance Cover?

Auto insurance protects you from unforeseen costs related to:

• Vehicle damage
• Uninsured drivers
• Liability
• Tow fees
• Medical bills
• Property damage
• Loss of vehicle contents

There are four main types of coverage within the scope of auto insurance. These are:

Liability

Liability insurance protects you from paying out of pocket for medical fees or repairs to somebody else or their property. If you are found at fault in an accident, liability keeps you from being held financially accountable for the costs associated with the accident.

Liability insurance protects you in a collision, or in an incident where your vehicle damages another’s property. For example, if you veer off the road and hit a neighbour’s fence – liability insurance helps pay for repairs to the fence.

Direct Compensation

In many auto collision situations, the insurance coverage is paid through the driver at fault. In a direct compensation policy, your insurance handles the claim, regardless of who is at fault. This allows you to receive the repairs or medical bill payments you require immediately, rather than waiting.

Uninsured Driver

If you are in an accident with an uninsured driver, there is no third-party insurer to protect you from financial loss. Uninsured driver coverage ensures that your auto insurance policy covers you whether a driver is insured or not.

Accident Benefit Coverage

If you, a passenger in your car, or even a pedestrian, is injured in an accident, accident benefit coverage pays for medical fees, emergency transport, and other costs. Accident benefit coverage is paid out no matter who is at fault for the injury.