Car insurance that customers love and trust
If you live in Ontario, you can protect yourself and your vehicle with car insurance from Square One. You can personalize your limits, coverages, and deductibles—all online—and receive your policy in minutes.
Car 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 car insurance policy with the coverage you need at the price you want. Keep reading to learn more about our unique approach.
Don’t just take our word for it. Here are some of the reviews that contribute to our average rating of 4.7 stars out of 5. Want to read more? Visit our reviews page.
I was extremely happy with the service provided by Brett Vancise. He was so versed with his work and guided me through the entire process. He was calm and explained to me every detail concerning the policies. I ended up saving a great deal as compare to my previous insurance provider. I have so far referred several of my friends to this company.
My landlord suggested your company to me as a new tenant because of its efficiency and accessibility, and let me tell you it was as easy as making microwaved popcorn, literally… Thank you so much Square One, it’s a good feeling to know that your home and belongings have a professional protection plan in place.
Hasti was one of the support agents who supported me patiently to complete the policy order. Also, the online form and the T&C of the policies are clearly understandable! I have total of 4 titled owners of the property that it allows the info to be input to the system individually (No kidding! Other insurance systems don\'t allow to do this... This online app is absolutely user-friendly! The cost of the policy is not bad comparing with the competitors. I would highly recommend Square One to anyone who is shopping for better services and pricing!
I recently purchased an insurance policy from Square One. We were so pleased with the ease of application but also how thorough they are in the questionnaire in regards to our property. Square One makes it possible to have the coverage you need with a price that is affordable.
Very friendly online portal to select and purchase my new tenant insurance policy with Square One. A friend referred me, based on her total satisfaction to date. We both have received our promotional gifts (Amazon gift card for me, and the $25 account credit for her!). The coverage is excellent for my needs, at very good cost (good value for money). Telephone inquiry about one concern was handled promptly, courteously and satisfactorily. Thank you for the good service and product. I feel to be in good hands with Square One.
I am very pleased to be able to secure a tenant policy with less hustle. Everything done online without the involvement of any agent as I don't have time to speak on the phone. All the forms filled up are very comprehensive and easy to understand. One of the cheap premiums on the market as well. Great service! Good job.
Square One is one of the only providers who would cover our in-home pottery studio. They were thorough and requested photos but they covered us. It’s been very easy to update our coverage as the business grows and we add more services and assets, and sales locations. I love being able to do these changes online and have easy access to check my policy. The service has been great so far.
Getting tenant insurance has never been this personalized. I enjoyed that you could truly cater to what kind of home you are living in. With a click of a button, the value of your insurance would change so you could see the quote change as you figured out what works best for you. Very intuitive and user-friendly.
I would like to thank our Claims Adjuster, Brad Rotto, for all the hard work he has done while working on our claim. Our unit flooded, and there was a lot of damage done by the flood. However, Brad was very helpful, replying immediately to any question we had (and we had many!), arranging for reimbursements right away and making the entire process uncomplicated and easy to understand. It has been a real pleasure working with Brad. This was one of the rare instances when the reality exceeded the expectations. Thank you, Brad, for the impeccable service and the support received throughout!
I have bought several home insurance policies over the years. Square One was the last and has been the best. I got my house insurance with them for a few years, and now for an apartment that I am buying. You do not need to do any shopping around, and you do not go wrong if you come here directly for a great customer service experience, great coverages, at low price.
Six reasons why you'll love Square One
4.7 out of 5. That’s how customers rate Square One Insurance Services after writing 48,414 reviews. And with an A+ rating from the Better Business Bureau, people clearly love the way we're changing car insurance.
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.
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.
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.
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.
Learn how you’re protected
with Square One
When you buy car 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 car insurance underwriter in Ontario. You can also download sample policy wordings.
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.
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, but it’s mandatory in the provinces that have it, including 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.
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.
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).
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:
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.