Car Insurance in Bradford

If you, a passenger or even a pedestrian are injured in a collision, accident benefits coverage helps pay for medical care, rehabilitation costs and attendant care services, regardless of who caused the crash. As of July 1, 2026, certain additional benefits - such as income replacement - may be available as optional add-ons, depending on your policy selections. For example, if you get into a collision while leaving Mikki Nanowski Rose Garden Parkette and need to take time off work to recover, accident benefits may help cover eligible expenses and, if included on your policy, may replace a portion of lost income.

Uninsured motorist coverage kicks in if you’re hit by an uninsured or unidentified driver, such as in a hit-and-run incident, ensuring and may cover certain costs for injuries or damage.

Bradford ranks 24th out of 60 Ontario cities for collisions, which means accidents happen here more often than in many other places across the province. A popular optional add-on for Bradford drivers is collision coverage, which may pay for car repairs or replacement if you hit another vehicle or a stationary object or if your car rolls over. It’s especially helpful if you spend a lot of time on the road or in busy traffic areas, like along Holland Street.

Comprehensive coverage offers protection against non-collision events, such as theft, vandalism, fire, falling/flying objects, severe weather events and wildlife collisions. In 2025, the province recorded 19,319 motor vehicle thefts, which is down 22% from the previous year. That being said, the recovery rate for stolen vehicles in Ontario is only 51%, which is why opting for comprehensive insurance in Bradford can help reduce out-of-pocket costs in the event of theft.

Direct compensation - property damage is a type of car insurance policy that is a direct product of Ontario’s no-fault insurance system. While no longer mandatory as of January 1, 2024, opting into this coverage allows you to deal with your own insurance company for certain property damage claims where you are not at fault.

Loss of use insurance comes in handy when your vehicle is in the repair shop following a covered event. During the time you are unable to use your car, loss of use coverage may help pay for the cost of a rental vehicle, public transit passes or ride-share apps, so you can continue getting where you need to go.

All perils combines both collision and comprehensive policies. It helps protect drivers against a wide range of risks, excluding those listed in their policy. This endorsement works best for people who own a new or expensive vehicle, as it often comes with a higher premium.

Specified perils provides coverage only for the risks specifically listed in your car insurance policy, offering limited protection compared to broader coverage options like all perils. This endorsement is often ideal for drivers who own older vehicles who are looking to save money on their insurance, as this endorsement usually comes with lower premiums.

If you’re constantly driving along Highway 400 or make daily trips into downtown Toronto or other areas in the GTA, roadside assistance is there to ensure you’re not left stranded on the side of the road following an unexpected breakdown. Should something unanticipated occur, like a flat tire, roadside assistance can help cover certain costs associated with events like towing, fuel top-ups, battery recharges and vehicle lockouts.

The waiver of depreciation endorsement may allow you to receive reimbursement based on the original purchase price of your vehicle if it is stolen or declared a total loss, rather than its depreciated value. For example, if you purchased a new vehicle for $45,000 and it was totalled in a car accident a year later, your insurance company may pay you the original purchase price rather than the depreciated value, which may be closer to $30,000 now that it has undergone wear and tear.

One final type of optional car insurance coverage popular among Bradford drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to help protect your driving record and limit premium increases after your first at-fault accident.