Car Insurance Ottawa

An Ottawa insurance broker can help you save on car insurance. With five offices in Ontario and Quebec, our brokers can find you the right auto insurance coverage.

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Helping you focus on the road

Operating an automobile without insurance is illegal in Canada. In the event of an accident, you’ll be held financially responsible for necessary repairs and other expenses, not to mention healthcare-related costs if any occupants of your vehicle are injured. You’ll also be charged for operation of a motor vehicle without insurance. Even in minor accidents; automotive expenses can cost thousands of dollars depending on the nature of the incident, the angle of impact on your vehicle, and other factors.

Rowat Insurance offers comprehensive car insurance plans, available in a tailor-made fashion to suit your unique needs. Begin the process by selecting either a quick or detailed quote, which will then take you to a questionnaire designed to suit your selection accordingly. Afterwards, our team of insurance advisors will consult your answers and suggest an insurance policy that will suit your specific needs. Our rates are cost-effective and proactive in the event of an accident, meaning you receive quick and professional financial assistance without hassle.

Working with Rowat Insurance is meant to encourage peace of mind, contentment, and a feeling of protection – and that’s because you truly are safeguarded from financial woes when enrolled in one of our car insurance plans. Regardless whether you drive a sedan, coupe, SUV, or sports vehicle, our team will ensure that you are adequately protected from a financial pitfall in the event of an automotive accident.

Our auto insurance policies include liability coverage, which will protect you if you’re the one held legally responsible for the accident in question. Additionally, we include accident benefits to provide financial restitution for medical and/or funeral expenses, rehabilitation fees, and loss of income due to disability.

Types of Car Insurance Coverages for Drivers

Liability Coverages
Third-Party Liability car insurance is mandatory in Canada – that’s the law. If there are damages to property or another person due to an auto accident that you caused, liability coverage will help to protect the policyholder if they are sued. Any legal expenses and the associated fees for settling those claims will be covered up to the policy limit.

Accident Benefits Coverage
If you are hurt in a car accident, this type of coverage will pay for your supplemental medical care, rehabilitation, and attendant care, and will help replace a percentage of your income. It can also help to provide benefits to your spouse or partner and dependent children if you are killed in an accident.

Uninsured Automobile Coverage
Depending on the province in which you live, you may be required to have coverage for you and your family against injury or death in the event that you are struck by an uninsured driver or a hit and run.

Direct Compensation-Property Damage Coverage
Another mandatory coverage in most provinces is direct compensation – property damage coverage. This type of insurance covers the policyholder for loss or damage to the vehicle and its contents if another motorist causes your accident. This only applies if the other driver is at fault.

Optional Coverages:
Rowat Insurance also lets you choose additional coverages above and beyond the mandatory options to best suit your needs. One of the most important optional coverages to consider is comprehensive insurance. This type of coverage protects your vehicle against damages not due to a collision – theft, vandalism, fire, falling objects, natural disasters, etc. It will protect the policyholder against any losses related to the drivers’ actions and it can also provide coverage for sudden actions by others or events beyond your control. You may also want to consider adding additional third-party liability, statutory accident benefits, and property damage insurance above and beyond the minimum coverage required by law. Based on your risk level and lifestyle, our brokers will recommend the appropriate coverage options for your needs.

Ride-Sharing Coverage
Are you an Uber or Lyft driver? We can help to arrange ridesharing coverage to protect you, your vehicle and your passengers from the moment you accept a request to when they exit your vehicle.

Regardless whether you’re a teen driver, a breadwinner with a clean driving record, or a senior citizen, we at Rowat Insurance can provide car insurance coverage that is competitively priced, reliable, and legally required to protect you financially. Your vehicle and all occupants will be safeguarded in the event of an accident. Contact us today or select one of our quote options to begin.

Why Work with a Car Insurance Broker?

You might be asking yourself, why you should work with a broker instead of calling an insurance company directly? The answer is simple. Insurance brokers work for you, not the insurance company. When you call a specific insurance company, they can only provide you with the information on the policies and plans that they provide. They can’t provide you with any other alternatives that are available on the market, only what they offer. At Rowat Insurance, we offer several choices from a variety of insurance providers. Our insurance brokers have detailed knowledge about all the available insurance policies and coverages out there. And since we work with more than one provider, we can find the right auto insurance policy based on your age, income, vehicle type, and lifestyle – not just some cookie-cutter policy. We offer independent, non-biased advice that is best for your bottom line – not the insurance company.

You’ll also receive other perks when you work with our team at Rowat Insurance as well. Here are just a few:

Expert, Non-Biased Advice When You Need It
We are more than just insurance brokers, we’re advisors as well. When you work with Rowat Insurance you’ll get honest, unbiased advice to help you make better decisions. Unlike other providers who are focused on selling you something, we are focused on meeting your needs. Our brokers will make impartial recommendations and give you the advice to best protect your family both on and off the road. We’ll also make sure that you never overpay for coverage or purchase policies that you don’t need. Our team will identify the risks you should have coverage for and then shop on your behalf to find the right policy for your needs.

A Smoother Claims Process
If you need to make a claim, our experience and knowledge can also help to make the claims process go much smoother. As your broker, we will advocate on your behalf with the insurance company to ensure that you will receive what you deserve as swiftly as possible.  

More Options for More Savings
As a registered insurance broker in Ontario, we can also sell general insurance for more than just your car. If you need coverage for your home, business, boat, ATV or even life insurance, we can help arrange that for you as well. In many cases we can even bundle your insurance plans together, saving you thousands of dollars a year! It truly pays to work with a broker.

Frequently asked questions

Do I need auto insurance?

Yes, it’s the law in Canada. Auto insurance became mandatory in 1990 under the Compulsory Automotive Insurance Act. Furthermore, it is mandatory to have valid car insurance in Ontario and Quebec. Certain requirements must also be met as Ontario and Quebec have different minimum limits to cover damages and injury. Failure to carry valid insurance that also meets the requirements of your province could result in costly fines, license suspensions or vehicle impoundment.

How much does auto insurance cost?

The premium you will pay depends on a number of factors including your age, driving history, type of vehicle, the coverage that you require, and the deductible that you select. Our team will take the time to uncover your needs to determine the right amount of coverage for you. Then we’ll review all the policies and rates available to find you the best policy that suits your particular needs and budget.

I live in Ontario but work in Quebec, what type of insurance do I need?

Since you live in Ontario, you’ll be required to get auto insurance in Ontario. However, your insurance will cover you for any accidents in Quebec and vice versa. It’s also important to note that Ontario, Quebec, and Alberta all have no-fault insurance which means you will deal with your own insurer regardless of who is responsible for the accident.

Am I covered when I lend my car out?

In Ontario and Quebec, you can lend your car to anyone with a valid driver’s license, but you may not be fully covered if that person is involved in an accident with your vehicle. It all depends on your auto insurance policy. If a particular individual will be using your car occasionally, or you plan to lend it out to friends and family from time to time, we will find a policy that will ensure that you have full insurance coverage in these scenarios.

Can I easily cancel my policy?

Most insurers will charge you a penalty if you cancel your insurance policy before your term is up. If for any reason you need to cancel your policy, our team will work with you to help minimize any of the cancellation costs or avoid them entirely.

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