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Car Insurance

Protect your vehicle with reliable and customized auto insurance with Marsh Canada. Get a quote today and experience the exceptional difference for your auto insurance needs.

Car Insurance

Marsh can help you find the right coverage for your car insurance. Our customer-focused approach combines customized solutions, access to a wide range of coverage options, expert knowledge, and efficient claims advocacy.


Liability coverage in Canada is a mandatory requirement. It provides coverage for you if someone else is injured or their property is damaged in an automobile accident where you may be held liable. 

Accident Benefits

Provides you with crucial financial support for medical expenses, rehabilitation, income replacement for injured individuals, regardless of fault.

Direct Compensation Property Damage (DCPD)

Provides coverage for physical damage to your vehicle when another motorist is responsible. It is called direct compensation because you are compensated by your own insurer.

Uninsured Diver and Automobile

Provides coverage if you or other insured persons are injured by an uninsured motorist or by an unidentified (e.g. hit-and-run) driver. It also covers damage to your automobile and its contents caused by an identified, uninsured motorist, subject to a  deductible.

Optional Add-Ons

Provides optional coverages for loss or damage to your own automobile, subject to a deductible. Examples of coverage include collision with another vehicle or object, vandalism, fire, theft, or damage from unexpected events such as hail, falling objects, or flooding.

Covers the cost of a rental vehicle, subject to the coverage limit, while your vehicle is under repair after an insured loss.

Accident forgiveness protects your driving record after your first at-fault accident, avoiding premium increases as a result.

Is an optional endorsement that means your car insurance policy will offer replacement value if your NEW car is stolen or damaged beyond repair from an insured loss. This endorsement applies for a set period of time after the new vehicle is purchased.

It provides you and eligble family members with access to additional liability coverage where another motorist is at fault and has insuffiecient coverage limits to pay your injury claim. You can claim the difference from your own insurance company, up to the limits of your liability coverage.

How to Save on Car Insurance

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The combined deductible feature is beneficial when a loss impacts both your home and auto policies. For instance, if your garage collapses on your car, you would only need to pay one deductible for both home and auto repairs. This feature is contingent upon its inclusion in the policy and the purchase of both home and auto policies from the same insurer.

This is generally one of the best discounts offered. Insure your home and auto with the same insurer and substantial discounts can be applied to both premiums.

The multi-car discount applies where two or more vehicles are insured with the same company, offering premium savings and convenience.

If you work for specific companies or are a member of certain associations, you may be eligible for preferred group rates on auto and home insurance. Contact us at +1 888 992 9160 to find out if your organization participates in this program. 


Frequently Asked Questions About Auto Insurance:

There are a number of factors that can influence the premium you pay. 

We take these into account when calculating your premiums to ensure they accurately reflect your specific circumstances. These factors may include:

  • Driver details – address, date of birth, driver's license. 
  •  Car details – type, engine size, model, year. 
  •  Frequency – how often the car is driven. 
  •  Use of the car – commercial or personal. 
  •  Modifications made to the car. 
  •  The level of coverage you want. 
  •  Claims history 
  •  Discount Eligibility. 

Liability is coverage for you or other insured persons if someone else is injured or their property is damaged in an automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage.

Yes, car insurance is mandatory in Canada, with each province and territory having specific requirements for minimum coverage. Compliance with these requirements is essential for legal and financial protection.  

Provides optional coverages for loss or damage to your own automobile, subject to a deductible. Examples of coverage include collision with another vehicle or object, vandalism, fire, theft, or damage from unexpected events such as hail, falling objects, or flooding.

Car insurance coverage in Canada typically includes Liability Coverage, Accident Benefits Coverage, Collision Coverage, Comprehensive Coverage, Uninsured/Underinsured Motorist Coverage, and Family Protection Coverage.

Optional endorsements are available. Contact us at +1 888 992 9160 to learn more.

Why Choose Car Insurance from Marsh Canada?

Marsh is globally recognized as one of the leading insurance brokers and risk advisors. With 150 years of industry experience and knowledge, we provide tailored solutions to meet our client's specific insurance needs. We understand the complexities of car insurance and aim to provide comprehensive guidance and advice to ensure customers have the right coverage. 


Get a quote

Submit a few details or speak to one of our licensed insurance brokers and find out how much you can be saving.

Information in this webpage represents a synopsis of coverage and is provided as a reference only. The actual policy, including endorsements determines coverage. It contains exclusions, limitations and other provisions not referenced (or only briefly summarized) here and the policy should be consulted for full coverage terms, conditions and requirements. Deductibles may apply. For exact terms, definitions, limitations, and exclusions, please speak with your licensed Marsh Canada Limited insurance broker, or refer to the policy wording.