Compare London Car Insurance Quotes

London, Ontario is home to almost 400,000 people, but the lack of a strong public transit system makes driving a car almost a necessity to get around.

The city hasn’t made it easy though. The lack of a proper freeway and two major railways are primary causes of congestion during the rush hour periods. For decades, London has been making improvements to their roads to allow for clearer, straighter paths and to increase capacity on them, but the city still lacks a major north-south thoroughfare, shuffling drivers onto Wellington Road and Richmond Street.

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Car insurance in London, Ontario is a requirement for all drivers. To operate a vehicle in London, you must have insurance. To get the best car insurance in London, it's vital to understand how it works. 

London operates in a no-fault insurance system. No-fault means drivers use their own auto insurance company regardless of who is at-fault in an accident.  In other words, you only ever deal with your own insurance company for a claim or following an accident. 

Ontario car insurance is provided by private insurance carriers and is regulated by the Financial Services Regulatory Authority of Ontario (FSRAO). FSRAO ensures rate increases are substantiated. Simply put, an insurer can't raise rates without prior approval from the regulatory body and is based on their financial records. 

Available London car insurance coverage is broken down into two categories - mandatory and optional.

Mandatory London auto insurance coverage includes:

• Third-party liability
• Accident benefits 
• Uninsured automobile insurance
• Direct Compensation Property Damage (DCPD)

Optional London car insurance coverage includes:

• Collision insurance
• Comprehensive car insurance
• Specified perils
• All perils

Also available in any city in Ontario are Optional Policy Change Forms (OPCF) which are coverage enhancements. Here are 4 common Ontario endorsements. 

• OPCF 20 - covers the cost of a rental vehicle while yours is being repaired or replaced
• OPCF 27 - Ports your existing insurance to a rental car or car you borrow
• OPCF 39 - Your insurer forgives your first accident claim so it doesn't impact your insurance rate
• OPCF 43 - Removes depreciation in calculating the value of your car when settling a claim