Car Insurance in London, Ontario

The city of London, Ontario, is situated right on Highway 401, between Windsor and Toronto. It’s a busy area, with people travelling to and from the international airport, on the railway and along the major roads. The busiest section in London is Wellington Road between Commissioners Road and Southdale Road, past the Westminster Ponds and the Parkwood Hospital. More than 45,000 vehicles travel along this road every single day. With this kind of traffic, you really want to know you have the best car insurance coverage.

In London, Ontario, car insurance is mandatory. It will protect you, your passengers and everyone else on the road.

Due to the limitless options out there, it can be quite difficult to find the right car insurance for you. Navigating through all of the different insurance companies and types of coverage can be very confusing. Thankfully, working with an insurance broker can help you to better understand your options and find a plan that fits your own individual situation.

If you're looking for an insurance broker in London, BrokerLink is here to help. BrokerLink has been helping Canadian drivers find the best insurance at competitive rates since 1991. We live in the communities we serve, which means we know what coverage will make the most sense for you and your family. As one of the largest insurance brokerages in all of Canada, you can have the confidence that we can protect your most valuable assets.

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Why get car insurance in London, Ontario?

Having a proper car insurance policy is an extremely important part of being a driver in London. It is against the law to drive a car without insurance. If you decide to get behind the wheel without insurance, you can end up facing serious consequences including substantial fines. Getting caught driving without insurance more than once can snowball into much larger fines, and will raise your insurance premium. These are just some of the reasons why it would be unwise to drive without car insurance.

We have compiled a few benefits to having car insurance in London:

Your vehicle will be protected if you get into an accident

Car accidents are very common, and can happen at any time. They may be your fault, or you may have no fault in the accident whatsoever. Another driver may end up making a mistake that you have no control over, and unfortunately that may lead to serious damages to your car. Having a solid car insurance policy can help cover the costs associated with repairing your car, or even replacing it.

You'll be protected if you are injured in an accident

If you were to get into a car accident and get injured, there might be a lot of costs you don’t expect. Things like physical therapy might not be provided by OHIP. Car insurance might be able to help with these costs.

You could be covered if your vehicle is damaged by something other than a car

There are many natural causes that can ultimately cause damage to your car, including things like bad weather, animals and tree branches. Damage due to natural events are no one’s fault, but they can be very costly to repair. Depending on your coverage, insurance could cover this type of damage.

You could be covered in the event of a theft or vandalism

If someone were to steal your vehicle, break in, or vandalise it, your insurance can help you with repair or replacement costs.

Mandatory Car Insurance in London, Ontario

Mandatory coverage is the minimum coverage that is required on your insurance policy in order to legally drive a vehicle on the road in London. The following types of coverage are mandatory in London:


If you are found at fault in an accident, liability insurance helps pay for other drivers’ property and bodily injuries. This coverage may also help to cover any legal fees you incur as a result of an accident.

Accident benefits coverage

There are costs associated with an accident other than repairing physical damage to cars or property. Anyone involved in the accident including yourself, your passengers, drivers and passengers in another vehicle and pedestrians might require medical or rehabilitative attention following the accident. Accident benefits coverage will cover these costs.

Direct compensation

Direct compensation takes effect when you or your car is damaged in an accident where you are not at fault. It is called direct compensation because you deal directly with your insurance provider to acquire any compensation following a claim.

Uninsured automobile coverage

Even though car insurance is mandatory in London, Ontario, some people choose to drive without it. Uninsured automobile coverage offers protection if you are involved in an accident with a driver who is at fault and is either uninsured or doesn’t have enough coverage.

Guide to Determining Car Insurance Rates in London, Ontario

It’s hard to give an estimate of what you will pay for your insurance in London, Ontario. This is because many different factors go into each individual car insurance rate. At BrokerLink, we go through our clients' individual information to make sure that they receive all of the possible savings offered for their circumstances.

Here are a few of the most common factors that car insurance companies consider when determining rates in London:

Your age

Younger drivers tend to have higher premium rates because they fall into a demographic with more accidents. As you get older, your insurance rate will most likely go down.

Your driving record

Having a good driving record can actually save you money! This is because insurance providers see you as a low risk client. On the other hand, having a bad driving record can make your premiums go up significantly.

Where you live

The area in which you live in can affect the price of your premium.

The make and model of your vehicle

Some types of cars tend to be more costly to insure than others. There are many reasons for this. Some cars are statistically more likely to be stolen, and some have more expensive and/or less common parts.

The level of coverage you choose

The level of coverage you choose to have on your vehicle will impact the price of your premium.

Get car insurance in London, Ontario

Wherever you’re driving in London, Ontario, you need the right insurance. A BrokerLink insurance advisor can help you get the coverage you need at a great rate. Don’t do it alone! You can get a licensed professional to help you protect yourself and your loved ones. Call today.

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