Auto insurance
Auto insurance that makes sense beyond the monthly premium.
Your policy should do more than meet a requirement. FANASA helps Ontario drivers understand liability, deductibles and protection for their vehicles, so they can choose coverage with greater confidence.
What Auto insurance can protect
Know what matters before you choose.
Understand coverage for your vehicle, your responsibilities on the road and what deductibles mean.
01
Protection for others
Learn how third-party liability coverage relates to injury or property damage you may cause and why the limit you choose matters.
02
Collision and comprehensive
Compare protection for your own vehicle, including collision-related damage, theft, fire and other covered events, subject to policy terms.
03
What you would pay
Understand how a deductible affects your out-of-pocket cost after a covered claim, and how your driving circumstances influence the options available.
Tell us what you need to protect.
The experience behind the guidance
A deeper perspective on your insurance needs.
Edgard S. Navarrete brings an economics, finance and research background to the questions people face when protecting their homes and vehicles.
His work spans Ontario's Ministry of Finance, the International Finance Corporation, CMHC, Central 1 and BDC. That broader financial perspective informs FANASA's emphasis on understanding risks, comparing trade-offs and explaining choices in practical language.
Experience provides perspective. Former employers are not endorsements of FANASA.
Before you commit
Questions worth asking.
What should I know about Ontario auto insurance?
Ontario drivers need legally required coverage, and optional coverages can change what a policy provides. Compare liability protection, deductibles, physical damage coverage and the circumstances that affect the premium.
How do deductibles affect what I would pay after a claim?
A deductible is generally the amount you must pay toward an eligible claim before the insurer covers the remaining covered amount. Increasing a deductible may lower the premium, but it can increase your expense at claim time.
Can I request auto insurance if I have tickets or an accident?
You can still make an inquiry. Be accurate about your driving history. FANASA can review the information and explain whether it can assist with the next steps, without promising that coverage will be available.
Start here
Tell us what you need to protect.
Request a quote
About 2 to 3 minutes
Our assistant asks a few useful questions, one at a time, so the conversation that follows is about your situation. There is no obligation.
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