Oegema, Nicholson & Associates Insurance Brokers Ltd.

Your car is likely your main source of mobility. Yet as we all know, the risk of an accident is always there, which can not only damage your car, but you, your passengers, other people, and property.


We at Oegema Nicholson will build the right automobile insurance policy to protect your every need (mandatory and optional), and we’ll be there, on cue, to get you back on your feet and back on the road. Request a quote today or learn more about your options, discounts, and other details below.

Thinking of purchasing a new or replacement vehicle? We determine the cost of insuring various vehicles to help in your purchase decision.


Available Discounts

  • Multi-vehicle All companies offer discounts if you have more than one vehicle
  • Mature/Age – Many of our companies offer discounts based on your age
  • Multi-policy – if you insure your car and home with the same company, you can enjoy a package discount.
  • Short Commute/Low Mileage – Many of our companies offer discounts for a short commute or no commute.
  • Alarm – Aftermarket alarm installed will qualify you for a discount.
  • Winter Tire – installation of winter tires will allow for a discount with some companies.
  • Conviction Free – some companies will allow a discount if you are conviction free in the previous 3 years.
  • Away at School – If your son or daughter attends college or university you can qualify for a discount off their occasional-driver premium.
  • Experience – all companies take your driving experience into account to calculate your premium.
  • Deductible – a discount is allowed when you choose a higher deductible under some coverages.

Coverage

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.

Get a Quote

Testimonials

  • “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.”

    -Charlene Brunet, President, Dan Murphy Ford

  • “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!”

    -James Carriveau, President, Exact Interlock and Exact Properties

  • “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.”

    -Rhonda, Capital Dodge

  • “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.”

    – Omkar Atwal, Owner, Leitrim Home Hardware

  • “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.”

    – Jennifer Parks, Stittsville, Ontario