AUTO INSURANCE


When looking for auto insurance, working with your
SMI Broker allows you to have the confidence that you are getting the coverage that you need. Our brokers advocate on your behalf. Stewart Morrison Insurance works with leading insurance companies including Intact, AVIVA, Wawanesa, Travelers, and The Commonwell Mutual Insurance Group.
 



MAKE THE RIGHT DECISION

At Stewart Morrison Insurance, you are like family. Our award-winning brokerage has 
over 59 years of experience building relationships, advocating for our clients, and supporting our community. We are here for you 24/7.

Experience the SMI Difference!


Looking for a specific type of Auto Insurance? Our team of dedicated
SMI Brokers are always here to assist you. We are just a click or phone call away.

PERSONAL AUTOMOBILE INSURANCE


Car insurance is mandatory in Ontario. When you are injured in a car accident in Ontario, unless it is catastrophic, you must rely on your own Accident Benefits included in your insurance policy for income replacement, rehab, child care if needed, and many other important costs associated with that accident. The use of your vehicle and annual mileage can affect your premium. We can even ensure ridesharing. This is why it is important to have a Stewart Morrison Insurance Broker give you the proper advice for this necessary complicated coverage. 

There are also significant savings or discounts in bundling your home and auto insurance.


Ask about:

  • Liability Limits
  • Increased Accident Benefits
  • Collision
  • Comprehensive
  • Flexible Usage
  • Waiver of Depreciation
  • Discounts Available

COMMERCIAL AUTO/ FLEET INSURANCE


Vehicles used in conjunction with your business have a special rating. Garage operations, Fleets, or individual commercial use vehicles, can qualify for many discounts. Your SMI Commercial Insurance Broker will review your business needs and coverages annually,  provide certificates of insurance as needed and you have the option for electronic delivery of all documents including pink slips. 

An SMI Commercial Broker will explain the available coverage  including Liability, Accident Benefits, and other optional coverages to protect you from:

  • Loss of Use
  • Fire
  • Theft
  • Windshield Damage 
  • Collision

CLASSIC CAR INSURANCE


We know you are proud of your classic car. Whether it is the make, model, or power train that you appreciate the most, we offer the right coverage for you. Our Classic Car Insurance offers a range of protection to ensure that your stock or custom collectible is covered.

MOTORCYCLE INSURANCE

When considering your motorcycle insurance needs, it is important to understand the types of coverages that are available, including accident benefits, collision, comprehensive, liability, replacement guarantee, personal effects, protective equipment, and vacation expense.

From a planned vacation to a quick ride to the store, make sure you have the coverage you need when you need it. There are a number of additional coverage options that you may want to include in your motorcycle insurance policy. Ask your insurance broker about the additional coverages today!

Did You Know? A multi-policy discount can be applied when you bundle your home and auto insurance. 
 

Do you have questions about your Auto Insurance?

Here are some of the most common auto insurance questions we receive!
 

What does auto/ vehicle insurance cover?


The basic insurance coverages you will find on an auto policy that protect you and your vehicle:
 Liability
 Accident Benefits
 Collision
 Comprehensive

What are some additional coverage options?

I
t is important to know all your auto insurance coverage options that provide protection for you and your vehicle in the event of a loss.  Some optional insurance coverages to consider:

 Loss of Use
 Increased Accident Benefits
 Depreciation Waiver
 Accident Forgiveness
 Conviction Protection
 Non-Owned Auto

How can I reduce my auto insurance cost/premium?


There are significant savings available when you bundle your home and auto insurance policies.  There are also programs available to reward you with discounts for good driving habits.

Why should I work with a broker?


Our team of brokers at Stewart Morrison Insurance has the expertise to review your insurance coverage needs and recommend the right coverage at the right price.

What happens if I have an insurance claim?


Stewart Morrison Insurance is available to our clients 24/7 to provide emergency assistance and to help guide and advocate for you every step of the way. If you have experienced an accident, please click here.

MANDATORY INSURANCE COVERAGE
 

Whether you own, lease, or finance your vehicle in Ontario, before your drive you are required to have vehicle Insurance. We are here to help. 


 

LIABILITY

Provides coverage and protection when you are responsible for causing bodily injuring or property damage to another person or property.

ACCIDENT BENEFITS


In Ontario, the option to sue for injury or loss of income is limited; it is important to ensure that you have adequate coverage for you and your family and potential occupants of your vehicle. Accident benefits also provide protection for you and your dependents while occupying other vehicles or if involved in a car accident in any way, even as a pedestrian.  

DIRECT COMPENSATION

This allows you to recover the expenses associated with fixing your vehicle if the accident is not your fault. 

UNINSURED AUTOMOBILE

Protects you if you're involved in an accident with an uninsured motorist or with a driver who commits a hit-and-run. 

INCREASED INSURANCE COVERAGE

Use your insurance premiums wisely with our advice. Sometimes increasing insurance coverage doesn't cost that much, and you and your family are better protected.


Ask your
SMI Insurance Broker how you can enhance your insurance policy!


         Comprehensive: Provides protection for anything other than collision
                                                   including windshield, fire, theft, falling objects, and animals.


         Collision: Provides  coverage for your vehicle is damaged, as a result of an
                                  accident or an object on the road.


         All Perils: Combination of Collision and Comprehensive, you have one
                                   deductable for any loss. Combining coverages can provide savings. 
We have a dedicated team of brokers to assist you!