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Car insurance in Ottawa

Auto Insurance Requirements in Ottawa, Ontario

Mandatory

In Ontario, the government regulates that individuals must carry the following coverages:
  • Liability – Liability Coverage protects you from bodily damage you do to others or damage to property in an accident. In Ontario $200,000 is the minimum limit, however at Oegema Nicholson we recommend everyone have $2,000,000.
  • Direct Compensation – In Ontario we have what is called no-fault insurance, which means regardless of who is at fault, each insurance company pays for the damage to each car. Part of your premium is for this protection.
  • Accident Benefits – The government includes basic medical benefits for all drivers to protect them in the event of injury. However, there are options to purchase additional coverage. We recommend you consider additional coverage, based on your health plan at work and your family’s needs.
  • Uninsured Motorists – Many drivers in Ontario do not carry insurance. You need protection from these people who operate outside the law. Part of your premium is for this protection.

Optional Coverages

  • Collision Coverage – If you are in an accident where you are deemed to be at fault, you need collision coverage to protect the physical damage to your vehicle. This also protects you in hit & run and parking lot accidents.
  • Comprehensive Coverage – This coverage protects you from fire, theft, vandalism, falling objects, and collision with an animal. It also covers glass repairs.

Additional Coverage Options

  • Loss of Use (Rental Car Coverage or OPCF 20). – This coverage allows you to rent a car while your vehicle is being repaired.
  • Limited Waiver of Depreciation (OPCF 43).
  • Liability for Damage to Non-Owned Automobile(s) and Providing Other Coverages When Insured Persons Drive Other Automobiles (OPCF 27).
  • Accident Waiver/Accident Protection Endorsement.

Additional Auto Insurance Coverage

Accident Benefits Coverage

If you, your passengers, or a pedestrian is injured or killed during a car accident, any kind of rehabilitation treatment, income loss, funeral costs, and other services needed during the recovery period will be compensated to the affected parties.

Direct Compensation Property Damage Insurance

Direct compensation determines how claims are paid out. In Ontario, if you’re involved in a car accident that wasn’t your fault, you will be compensated directly by your car insurance in Ottawa. This covers any damages to your car and you don’t have to wait to hear from the other driver’s car insurance company to process your claim.

Importance of Third-Party Liability Coverage

Third-party liability coverage is the most common type of car insurance in Ottawa , as it is important and necessary for all drivers to have it. In the event of a car accident, you will be financially protected if you are deemed responsible for causing the car accident, resulting in injury, property damage, car repairs, or death.

How to Lower Your Car Insurance Cost in Ottawa

Have a Conviction-Free Record

Typically, car insurance rates are based on your driving record. If you had a few speeding tickets in the past, it could affect your car insurance rates. However, if you’ve been charged with driving offences like racing, DUIs, distracted driving, or failure to report or remain at an accident, you could find yourself paying a higher premium or not getting car insurance at all. That’s why it’s important to be free of convictions on your driving record. The fewer driving infractions you have on your driving history, the better quotes you can get.

Bundle Your Insurance

You may want to consider bundling your car insurance in Ottawa with your home insurance to save money in the long run. Bundling multiple insurance policies with us will also simplify your insurance rates and payments.

Winter Tires

In Ontario, we understand that the winter can cause havoc on the roads, and this could increase your chances of getting involved in a car accident. The snow tire insurance discount encourages drivers to install winter tires on their vehicles to ensure their safety and that of other drivers during winter weather. It is worth the investment, as drivers who install winter tires can save up to 5% on their car insurance in Ottawa .

Why Choose Us for Your Car Insurance in Ottawa?

With millions of cars on the road every day, it’s important that you have car insurance in Ottawa . Having the proper car insurance is a requirement as, by law, Ontario car owners must buy car insurance to protect themselves and their passengers while driving their vehicle. Here’s how we help you find the right car insurance for your needs:

Years of Expertise

Oegema Nicholson & Associates is not like any other direct insurance company. With our years of experience, we believe every driver has different driving habits and lifestyles. Your car insurance policy in Ottawa should provide full coverage for all drivers you insure. That’s why our helpful team of car insurance brokers will work side-by-side with you to evaluate your driving habits, auto vehicle usage, and past driving history. You can count on us to offer several options for affordable insurance coverage to you and your family members.

Customer Satisfaction

As Ottawa’s leading car insurance company, our client-focused approach ensures your car insurance policy in Ottawa is designed to protect you and the other passengers from financial struggles in the event of an accident or related injury.
Home and Property Insurance brokers in Ottawa

Looking for home and property insurance? Having a home and property insurance is essential for homeowners in Ottawa. At Oegema, Nicholson & Associates, we aim to find the ideal insurance plan to protect your property. Whether you have purchased your first home or are relocating to a new residence, our insurance experts are here to assist you in discovering the best. Our home/property insurance plans provide different benefits by protecting your property and belongings against risks like fire, theft, and natural disasters. Not only does it cover the structure of your home, but it also provides potential liability for property damage and more.

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"Just wanted to leave a message for your website that praises Nik Dore for being a constant example of always providing invaluable customer service. I never worry that my questions and concerns will be dismissed or that I am receiving less than constructive advice. Many thanks to him."
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"I know all my insurance needs are covered with Oegema, Nicholson & Associates. I have been a loyal client for the last 15 years, and I can count of them for my commercial insurance, employee benefits, as well as my personal insurance and finances. Jeff Richer always goes above and beyond to help me with my insurance needs."
O-Omkar Atwal, Owner, Leitrim Home Hardware
"It’s always a pleasure to deal with Oegema, Nicholson & Associates, and I can depend on them for all my insurance needs. I have been a client for several years and whether it’s regarding my personal insurance, or anything to do with our employee benefits or commercial needs, I know I’m taken care of."
R-Rhonda, Capital Dodge
"I would like to thank Carol for everything she has done for me and my family over the years. It is my honest belief that we would not be in the position we are in if it was not for her guidance, expertise and honesty. We can't begin to thank her enough."
T-Tim
"ONA helps me with my personal insurance and my business insurance . They are my one stop shop when it comes to insurance and group benefits. I know I’m covered in all areas. Great friendly service and knowledgeable staff!"
J-James Carriveau, President, Exact Interlock and Exact Properties
"One call to Oegema, Nicholson Associates is all it took. After our basement flooded, within a day or two they had a crew cleaning everything up, taking down the drywall and itemizing everything to be cleaned, thrown out or restored. They had everything in place for us in a timely manner and were extremely patient with me as they talked me through the process and waited for me to make decisions."
J-Jennifer Parks, Stittsville, Ontario
"I’ve been dealing with ONA for over 20 years with my personal insurance, as well as our commercial insurance, and I know I can rely on them for great customer service, and prompt responses. I feel confident not only referring them to my employees, but to our customers as well."
C-Charlene Brunet, President, Dan Murphy Ford
Saul Mendoza (Salty)
Saul Mendoza (Salty)
2023-06-02
My broker Bill C. from ONA has helped me over the years now with my vehicle insurance. He is very cautious and detail oriented when processing documentation, and ensures I understand everything whenever there are any changes. He recently helped me cut my premium almost in half just by improving my record and shopping around at the appropriate time. I am grateful to him and the team for being there for me when I need them.
RMP Tutoring
RMP Tutoring
2022-05-14
I was assisted recently by Greg, who did a wonderful job in not only answering all of my questions and helping me to review pre-existing insurance plans, as well as advising me to look into my credit card/group insurance before needlessly purchasing more. This to me speaks highly of the character of the employee and business of a whole, and it is certainly the one I will be going to for any future needs.
Bobby SHARKS
Bobby SHARKS
2022-05-02
They get back to you fast an excellent insurance agent
lise sevigny
lise sevigny
2022-03-07
Have been with Oegema for over 30 yrs. Always great service!
Jamie C
Jamie C
2022-01-10
Friendly, knowledgeable and professional. They take care of all my insurance needs. Commercial, Home and Auto.
Bob Bent
Bob Bent
2022-01-10
Great service on both commercial and personal lines.
Jennifer Bardwell
Jennifer Bardwell
2021-06-04
I purchased commercial insurance with this company. Very professional service throughout, and a good price on the policy. Would highly recommend!
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Oegema, Nicholson Financial Inc.
1453 WOODROFFE AVENUE
613-686-6338
Ottawa
1451 Woodroffe Avenue
Ottawa, Ontario K2G 1W1
Manotick
5526 Manotick Main Street P.O. Box 149
Ottawa, Ontario K2G 1W1
Almonte
154 Bridge Street P.O. Box 749
Almonte, Ontario K0A 1A0
Russell
243 Castor Street
Russell, Ontario K4R 1B8
Orleans
3-3809 St. Joseph Blvd.
Orleans, Ontario K4A 0Z8
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