Auto Insurance

The form below will allow us to provide you with an auto insurance quote based on the information you provide.  Please note that large discounts are available when insuring more than one vehicle as well as insuring your home or apartment.  You can choose different limits and deductibles which will affect the price.  Once you have received a quote, we can contact you to offer our advice as to what additional coverage is available and recommended for your individual needs.  Remember, as your broker, WE WORK FOR YOU!!

PLEASE NOTE YOU CANNOT PURCHASE INSURANCE ON-LINE.  YOU MUST SPEAK WITH A LICENSED BROKER AND SIGN REQUIRED DOCUMENTATION BEFORE COVERAGE CAN BE BOUND. 

Auto Insurance Quote

If you would like a quote for Auto Insurance, please fill out the form below and we'd be happy to get back to you with a quote or if you prefer you can call our office at 905-640-2000.

Contact Information:
Name:
Email Address:
Address:
City:
Province:
Postal Code:
Phone Number:		enter as (555) 555-5555
How do you wish to be contacted?		Email    Mail    Phone  ( daytime  evening)
Number of Vehicles in Household:		1 2 3 more than 3
Number of Drivers in Household:		1 2 3 more than 3
Driver Information:		Driver #1	Driver #2	Driver #3
Gender::		male female	N/A male female	N/A male female
Age:
Years Licensed in Canada:
License Class:		G G1 G2	G G1 G2	G G1 G2
Retired:		Yes No	Yes No	Yes No
Has your auto insurance ever been cancelled:		Yes No	Yes No	Yes No
Business Use:		Yes No	Yes No	Yes No
Driver Training		Driver #1	Driver #2	Driver #3
Drivers Training:		Yes No	Yes No	Yes No
G1 Date (if applicable) - dd/mm/yyyy:
G2 Date (if applicable) - dd/mm/yyyy:
G Date - dd/mm/yyyy:
Driver Suspensions:		Driver #1	Driver #2	Driver #3
Has any license been suspended in the past 6 years:		Yes No	Yes No	Yes No
If yes, date of suspension - dd/mm/yyyy:
If yes, duration of suspension:
Driver Tickets:		Driver #1	Driver #2	Driver #3
Tickets in Last 3 Years:		Yes No	Yes No	Yes No
If yes,please indicate # tickets in last 3 years:		0 1 2 3 4 or more	0 1 2 3 4 or more	0 1 2 3 4 or more
If yes, give a brief description of each ticket:
Driver Accidents:		Driver #1	Driver #2	Driver #3
Claims in Last 10 Years:		Yes No	Yes No	Yes No
If yes, please indicate #accidents in last 10 yrs:		0 1 2 3 4 or more	0 1 2 3 4 or more	0 1 2 3 4 or more
Please include dates and particulars of all accidents in comment section:		Comments:	Comments:	Comments:
Vehicle Information:		Vehicle #1	Vehicle #2	Vehicle #3
Year of Vehicle:
Make:
Model:
Distance one way to work (km):
Coverage Required:		Vehicle #1	Vehicle #2	Vehicle #3
Liability:		$1,000,000 $2,000,000 $5,000,000	$1,000,000 $2,000,000 $5,000,000	$1,000,000 $2,000,000 $5,000,000
Collision Deductible:		$500 $1,000	$500 $1,000	$500 $1,000
Comprehensive Deductible:		$300 $500	$300 $500	$300 $500
Please copy the following text into the textbox

Auto FAQ's

If you need more information, e-mail us your questions at info@bhinsure.ca.

1.  Price vs Product

Why is there such a difference in price between companies. Anyone who owns a vehicle knows they must carry auto liability insurance. Auto Insurance is regulated by our Provincial Government and you could say that each policy is the same as the next. This could not be further from the truth. We at Birkett-Hassard Insurance choose the provider of your insurance carefully based on financial stability, claims satisfaction and our ability to negotiate with them on your behalf. There is some truth to you get what you pay for.

2. Mandatory vs Optional

In Ontario it is mandatory to carry a minimum of $200,000 liability coverage on your vehicle. This coverage is relatively inexpensive to purchase and completely inadequate in our opinion. This coverage includes third party liability (if you are sued for property damage or bodily injury), accident benefits (injury to you or your dependents), direct compensation (damage to your vehicle in a not at-fault accident), uninsured auto.

Optional coverage is increasing your liability to a recommended minimum of $2,000,000, Collision (damage to your vehicle in an at-fault accident), Comprehensive (fire, theft, vandalism, flying object), Loss of Use (coverage for a temporary replacement vehicle), Coverage for Non-Owned auto, family protection, increased accident benefit, accident forgiveness, to name a very few.

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3.  Deductibles

Deductibles are your contribution to a claim before any payment is made by the insurance company. Your deductibles are set out on the Declaration page of your policy. These usually apply in the event of an at-fault collision, comprehensive, uninsured auto, hit and run or unidentified third party claim. Increasing your deductible can reduce your premiums.

4.  Drivers Training

Driver's training courses must be approved by the Ministry of Transportation to qualify for a rate reduction on auto insurance. This training course usually only applies for the first three to five years of licensing. Your premiums may be reduced by as much as 50%.

5.  What's covered, what's not?

• If I'm driving down the road and my engine blows, am I covered? The answer is no. Maintenance and repair are not insurable losses and these costs must be borne by the owner of the vehicle.
• If a deer jumps out in front of my vehicle and is hit, is the damage covered? If you carry comprehensive coverage and you can prove the damage was a result of a deer, it is covered. If you swerve to avoid the deer and damage your vehicle running into the ditch, this is an at-fault collision claim.
• I come out from shopping and notice someone has hit my car. There are no witnesses and no note. If you carry collision coverage, you can make a claim, subject to your deductible. Most companies will not regard this as an at-fault collision claim.
• If I rent a private passenger car in England, am I covered? No. If you carry OPCF 27 (Coverage for Rental Vehicle) you may have coverage only in Canada or the United States. CHECK WITH YOUR BROKER.

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6.  What affects the price of my auto insurance?

Many factors affect your premiums such as your age, gender, where you live, where you commute to, vehicle use, accidents, tickets, license suspensions, years licensed, number of drivers, vehicle you drive, coverage limits and deductibles, optional coverages, to name a few.

7.  Who can drive my car?

You can lend your vehicle to anyone holding a valid drivers' license who is not specifically excluded from coverage under your policy (OPCF 28A). Having said that, you are in turn responsible for any claims or accidents they are involved in while driving your vehicle. Their accident is your accident.

Auto Insurance Links

Ministry of Transportation Ontario

Insurance Institute for Highway Safety

Transport Canada

Driving School Association of Ontario

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