Modern car insurance

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Your time matters, and so does your car. Get a personalized car insurance quote in 5 minutes. That’s less time than it takes to wait in line for coffee. Car insurance is currently available in Ontario.

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Auto insurance that customers love and trust

If you live in Ontario, you can protect yourself and your vehicle with auto insurance from Square One. You can personalize your limits, coverages, and deductibles—all online—and receive your policy in minutes.

Auto insurance policies offered by Square One include all mandatory coverages required in Ontario, but we also make it easy to add optional coverages at the click of a button. Build your ideal auto insurance policy with the coverage you need at the price you want. Keep reading to learn more about our unique approach.

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What our customers say
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Different than other providers

Six reasons why you'll love Square One

4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 57,058 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we're changing car insurance.

Digital platform

With Square One, you can get a quote, buy a policy and even submit a claim – all online, from the comfort of your own home. Quotes and policies are managed through your online account, but if you need help, expert assistance from one of our licensed insurance agents is just a webchat or phone call away.

The right protection

Protecting yourself on the road has never been simpler. We make it easy for you to secure the coverage you need for your vehicle, and to add optional coverage as needed for maximum peace of mind.

Instant online applications

When you need car insurance, get it online in minutes. No trips to the broker’s office, no waiting. From your phone or your laptop, complete your car insurance application in no time, and get your policy right away.

Personalized coverage

All policies include mandatory coverages, of course. We also make it easy to add as many (or as few) optional coverages as you wish. Comprehensive and collision coverage, extra glass coverage, rental car coverage, and dozens of other options await.

Need to make a claim?

Making a car insurance claim is easy. In fact, most of the process can be done online. You'll get your own dedicated adjuster to work with you from start to finish to make sure you’re back on the road in no time.

Monthly payments

When you buy car insurance from Square One, you can opt for annual or monthly payments. You can also change your payment information through your online account.

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ready for an online quote? Getting the best protection doesn’t have to break the bank. See how affordable personalized car insurance can be. Get an online quote in 5 minutes.

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Coverages and Deductibles

Learn how you’re protected
with Square One

When you buy auto insurance from us, the experience is straightforward from quote to claim. Learn more below about the coverages, deductibles, protection, and claim service offered by Square One and its auto insurance underwriter in Ontario. You can also download sample policy wordings.

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Liability coverages. When you’re at fault for an accident, you’ll need Third-Party Liability coverage to protect you against legal costs and damages. Liability coverage is mandatory for all drivers in Canada. Third-Party Liability coverage applies when you’re responsible for damaging another person’s vehicle or property, or for injuring someone else in a vehicle accident.

If you’re at fault for an accident and your liability coverage limit isn’t high enough to cover the damages, you’ll have to pay the remainder out of pocket.

Vehicle and property damage: If you damage another vehicle, or someone else’s property in an accident, you’ll be liable for the cost of repairs. Your car insurance’s liability coverage will respond to help pay those costs, up to your Third-Party Liability limit. It will also help cover the costs of a legal defense in any lawsuits related to such incidents.
Bodily injury: If you injure another driver, passenger, or pedestrian in an accident, Bodily injury liability coverage will respond to help cover medical and rehabilitation costs for the injured person or people. Like physical damage liability insurance, it also helps cover legal defense costs for lawsuits related to accidents for which you’re responsible.

Physical damage coverages. When you buy car insurance, of course you want to protect your actual car. There are several types of physical damage coverages available to protect your vehicle from everything from collision to theft.

Direct compensation property damage: Direct Compensation for Property Damage (or DCPD) doesn’t exist in every province. It's mandatory in some provinces, though drivers can opt out in Alberta and Ontario. DCPD is an alternate form of Collision insurance that covers you to the extent that you’re not at fault for a collision. If your vehicle is damaged in a collision and you’re not at fault, you’ll deal only with your own insurance provider for the repairs. If you are at fault, your Collision coverage will apply instead. If you’re 50% at fault, your repairs will be 50% covered under DCPD and 50% under Collision coverage.

Collision coverage: Collision coverage insures your vehicle for damage it sustains from collisions with other vehicles, objects, or the ground. Collision coverage is optional in most provinces, though you’ll need it if you’re leasing or financing your vehicle. Collision coverage only insures your own vehicle. If you’re at fault for damage to someone else’s car, your liability coverage will respond to cover those repairs.

Comprehensive coverage: Comprehensive coverage insures your vehicle against damage from events that aren’t collisions. Like Collision coverage, it’s optional in most provinces. Comprehensive coverage is relatively broad. It covers losses from fires, hailstorms, theft, vandalism and many things in between. Note that collisions with wild animals fall under Comprehensive coverage, not collision coverage.

All Perils coverage: All Perils coverage, also known as all risks coverage, is the broadest coverage available for physical damage. It combines collision and comprehensive coverages into a single package, and adds slightly broader theft protection, too.
Specified Perils coverage: Specified Perils coverage is a lighter version of comprehensive coverage. It covers the same types of losses, but allows you to pick and choose only certain perils to cover.

Accident benefits. Accident benefits are a group of different coverages that offer compensation for drivers, passengers, or pedestrians injured in a vehicle accident. Accident benefits are a standard coverage on all car insurance policies, though the specific benefits and limits can vary.

There’s a range of various benefits available, but listed below are the main ones.

Income replacement: When someone’s injured in an accident, income replacement coverage will help make up for the income they lose while they can’t work. There’s a similar coverage available for those who don’t qualify for income replacement.

Medical and rehabilitation: If an injured person requires medical attention or rehabilitation following the accident, this coverage will help pay for those costs.

Death + funeral expenses: If someone is killed in an accident, this coverage will provide compensation to their family, and help cover funeral costs.

Caregiver benefits: If an injured person normally cares for a member of their household (like a child or ailing parent), this benefit will cover expenses to hire someone to care for them in the injured person’s stead.

Policy deductibles. A deductible is the amount of money you will pay when you make a claim, before your insurance policy pays the rest of the claim. On a car insurance policy, many coverages have their own deductible. In most cases, you’ll be able to choose your own deductible for each coverage.

A higher deductible will lower your premiums, but you’ll have to pay more in the event of a claim. A lower deductible raises your premiums, but you’ll have to cover a lower cost if you make a claim. If you’re not at fault for an accident, you normally won’t have to pay a deductible. For non-fault coverages (like Comprehensive), you’ll always need to pay the deductible.

Below are some of the separate deductibles you might see on your policy.

Direct compensation for property damage (DCPD) coverage: If your vehicle is damaged in a collision, you’ll deal with your own insurer. The standard DCPD deductible is $0. If you select a higher DCPD deductible, you’ll have to pay the DCPD deductible multiplied by the percentage to which you were at fault for the accident.

Collision coverage: If you’re involved in a collision for which you’re at fault (even partially), you’ll have to pay your collision deductible. The standard collision deductible is $500. If you’re totally not at fault, you won’t have to pay any collision deductible.
Comprehensive coverage: When you make claim against your comprehensive coverage, this deductible will apply. Since comprehensive claims don’t deal with fault, you’ll always need to pay a deductible for comprehensive claims. The standard comprehensive deductible is $300.

Endorsements. Endorsements are optional extras you can add to your policy to add new coverages or enhance existing coverages on the policy. There are many endorsements available depending on the province and the insurance provider. Below are a few examples.

Loss of use: If your vehicle is damaged (and the damage is covered by your policy), this endorsement will cover the cost of a rental car while yours is in the shop.

Damage to non-owned vehicles: Endorsement extends many of the policy’s coverage to vehicles that the insured is renting or borrowing (like a vacation rental car, for example).
Depreciation waiver: This waives the depreciation on a new vehicle for the first 30 months of ownership for covered claims involving damage to the vehicle. Basically, it ensures that your coverage limit stays high enough to cover what you owe on the vehicle while it’s still relatively new.

Making a claim. You buy insurance for peace-of-mind, so if you do need to make a claim we believe it should be simple and stress-free. That's why all Square One customers are protected by our car insurance underwriter’s commitment to handling claims fairly:

24/7 claim line so we're there whenever you need us
You'll work with a single claims adjuster
Quickly track each stage of your claim online
All claims are dealt with fairly, transparently and quickly
You're treated with respect and kept informed at every stage of your claim
Purchase a policy online in 5 minutes
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In 5 minutes, you can get a free quote online. And, the rate you see is the rate you pay.

Love your quote? Buy online or save it for later. Or, call 1.855.331.6933 for assistance.

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