Car or Truck
Insurance


Questions about car or truck insurance? Have you purchased the right policy for you? Concerned about what’s not covered? Every car or truck on Ontario’s roads and highways is required to carry basic insurance coverages. But are basic coverages enough? Today’s auto insurance policy is a complex agreement designed to protect you and your vehicle in the event of an accident.

HWC Insurance and our team of experienced brokers are here to help. Our professional advice and small town, friendly service will make purchasing the right policy for you much simpler.

Contact us today for all your car or truck insurance needs.

Continue to Quote Request

Extra Considerations for your Car or Truck Insurance?


  • Are you aware of the new Optional Accident Benefit coverages?
  • Have you purchased rate protection for at fault accidents or convictions?
  • Maximize your discounts by insuring your vehicle and home with the same company

Optional Accident Benefits

Recent changes to the Ontario auto insurance policy reduced some standard coverages. Please contact your broker to discuss these changes and the optional coverages available.

Details Matter

Premiums are based on very specific data. Every year licensed, each kilometre in your daily commute could make a difference.

Don't Pay Extra

At HWC Insurance there are no hidden costs or additional service fees. Our services are covered in the premiums you pay the insurance company.

Payment Plans

Insurance companies offer convenient options to pay your insurance premiums from monthly instalments to major credit cards.

Car or Truck Insurance Coverage


The following are coverages commonly included on a car or truck insurance policy.

  • Third Party Liability – covers damage caused to other people and property and also payments for medical care
  • Accident Benefits – covers benefits like medical rehab, income replacement, and funeral expenses.
  • Uninsured Motorist Coverage – includes hit and run drivers and people that do not have sufficient insurance coverage for your claims. Your insurance company will pay the difference, so you will not have to suffer.
  • Direct Compensation Property Damage – pays for your vehicle repairs if you are not, or only partially at fault, for an accident. Your DCPD will pay that portion.
  • Comprehensive – will pay for theft, fire, glass breakage, and vandalism. It also will cover instances like tree limbs falling on the vehicle.(Optional)
  • Collision – pays for your vehicle repairs should you be at fault.(Optional)

Many insurance companies also offer options coverages for rental vehicle or to protect your good driving record in the event of an at fault accident or minor conviction.

Quote Requests


Please complete the form below to start your Car or Truck Insurance quote request and remember to visit the other pages on our website for more insurance information.

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