Get a personalized auto assessment in minutes

Answer a few questions about your vehicle and driving habits, and we'll provide a personalized assessment of your insurance needs before you start a quote.
Looking for a home or condo assessment instead? Click here.
  1. Step 1
  2. Step 2
  3. Step 3
  4. Question 1 - Your Location
  5. Step 2
  6. Step 3
  7. Step 4

Are you interested in protecting your insurance rates from going up in the event of a collision?

Are you interested in protecting your insurance rates from going up in the event of a collision? Note that there is a related section below called "Did you know?".

Do you or other drivers in your household occasionally have non-family members as passengers in your car such as friends, coworkers, clients?

Select which option applies to your vehicle. Note that there is a related section below called "Why is this important?".

In which province or territory do you want to insure your vehicle?

We are unable to offer auto insurance in British Columbia, Saskatchewan and Manitoba as these are government-supplied insurance provinces.

Do you sometimes rent a car?

Do you sometimes rent a car? Note that there is a related section below called "Why is this important?".

If your car was damaged in an accident and had to be repaired, would you have other ways of getting to work or to other commitments?

If your car was damaged in an accident and had to be repaired, would you have acceptable alternative ways of getting to work or to other commitments? Note that there is a related section below called "Why is this important?".

Do you or your family drive to the U.S.?

Do you or your family drive to the U.S.? Note that there is a related section below called "Did you know?".

Tell us a bit about your vehicle.

Select which option applies to your vehicle. Note that there is a related section below called "Why is this important?".

What year is your vehicle?

Here is your personalized assessment based on your answers:


The right protection for you and your family

Third Party Liability

If you are in an accident where someone else is injured, or their property is damaged, and you’re legally responsible, you’ll have coverage for their damages and your legal fees.

Learn more

Additional Third Party Liability

Because you travel, we recommend this coverage. Other provinces and countries can have different laws and higher court costs, the risks of which this coverage reduces. Because you have non-family members as passengers, we recommend this coverage. If you are liable in an accident involving people and property not in your family, you’ll have coverage for their damages and your legal fees. Because you travel and have non-family members as passengers, we recommend this coverage. If you are liable in an accident involving people and property not in your family, you’ll have coverage for their damages and your legal fees which is especially important when travelling to places with different laws and court costs.

Learn more

Accident Benefits

Accident Benefits provides coverage for the cost of medical care, rehabilitation, funeral expenses, and more. It also provides income replacement if you are unable to work as a result of an accident.

Optional Accident Benefits provides greater amounts of coverage compared to basic Accident Benefits.

Learn more

The right protection for your vehicle and additional coverage options

Collision and Upset

Because your vehicle is new and still has most of its value, we recommend this coverage. If your car is damaged in an accident, the repairs will be covered. Though your vehicle has a few years on it, we still recommend this coverage. If your car is damaged in an accident, the repairs will be covered. Since your car is older and has depreciated in value, we recommend you discuss this coverage with an advisor to make sure it’s right for you. If your car is damaged in an accident, the repairs will be covered.

Learn more

Comprehensive

Because your vehicle is new and still has most of its value, we recommend this coverage. If your car is damaged by weather, vandalized, or stolen, you’ll be covered. Though your vehicle has a few years on it, we still recommend this coverage. If your car is damaged by weather, vandalized, or stolen, you’ll be covered. Since your car is older and has depreciated in value, we recommend you discuss this coverage with an advisor to make sure it’s right for you. If your car is damaged by weather, vandalized, or stolen, you’ll be covered.

Learn more

Replacement Cost

Because you've leased your car new and it is less than five years old, we recommend this coverage.

Because you bought your car new less than five years ago, we recommend this coverage. If all or part of your car has to be replaced following a covered incident, you’ll be covered for new parts or a new car.

Learn more

Grand Touring Solution

Because you rent vehicles and require a vehicle to get to work and other commitments, we recommend this coverage. It provides a replacement vehicle while your own is being repaired, and also provides rental insurance above and beyond what a rental agency will offer. Because you rent vehicles, we recommend this coverage, which provides rental insurance above and beyond what a rental agency will offer. Because you require your vehicle to get to work or other commitments, we recommend this coverage. If your car is being repaired after a covered incident, we’ll provide a replacement vehicle to you during that time.

Learn more

Accident Forgiveness

Because you’re interested in protecting your rates from going up in the event of a collision, we recommend this coverage. If you’ve been accident-free for six years, your next accident won’t impact your rates.

Learn more
Detailed information about our coverage recommendation

Why choose TD?

  • The right advice
  • The best coverage for you
  • We’re always reachable

Coverage details

The right protection for you and your family:

Third Party Liability

Third Party Liability helps protect you financially from damages to other people's property and medical expenses if you're at fault in an accident. If you're sued, it also provides you with a legal defense.

Third Party Liability helps protect you financially from damages to other people's property and some bodily injury to others outside Quebec if you're at fault in an accident. It also provides you with a legal defense in certain instances.

Common examples

  • While driving to work, you are in an accident for which you are at fault. The other driver is injured and files a lawsuit, receiving a judgement in their favour. Thanks to your Third Party Liability coverage, you have insurance to cover the damages and your legal defense costs.
  • While driving to work, you are in an accident and hit many poles on the highway resulting in a lawsuit against you. Thanks to your Third Party Liability coverage, you have insurance to cover the damages and your legal defense costs.

Additional Third Party Liability

All of our policies include a base third party liability coverage, to help protect you from the costs of damages caused by accidents for which you are legally responsible.

Because you indicated you travel to the US, we strongly recommend Additional Third Party Liability for you.

Because you indicated you occasionally have non-family members as passengers in your car, we recommend Additional Third Party Liability for you. The more passengers you have in your car, the more damages you can be liable for in the event of an accident – not only are non-family members not covered by most standard insurance, they are also more likely to file law suits.

Because you indicated you occasionally have non-family members as passengers in your car, and you travel to the U.S., we strongly recommend Additional Third Party Liability for you.

The more passengers you have in your car, the more damages you can be liable for in the event of an accident – not only are non-family members not covered by most standard insurance, they are also more likely to file lawsuits.

The U.S. can have different laws, more lawsuits and higher court costs. With additional coverage, these risks are reduced.

Because you indicated you travel outside of Canada, we strongly recommend Additional Third Party Liability for you.

When you travel outside your province or in the United States, we recommend Additional Third Party Liability for you. Other provinces and countries can have different laws, more lawsuits and higher court costs than your own province. With additional coverage, these risks are reduced.

Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing injury to other people or damage to their property. If you're sued, it also provides you with a legal defense.

Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances. We recommend Additional Third Party Liability for you. Additional Third Party Liability provides extra coverage to protect you financially from the costs of auto accidents causing damage to other people's property and some bodily injury to others outside Quebec. If you're sued, it also provides you with a legal defense in certain instances.

Common examples

  • While vacationing in California, you have a serious accident for which you are held responsible, leaving the other driver seriously injured. The other driver decides to sue, which results in a judgment against you for the damages to the other driver's vehicle, medical expenses and loss of revenue. The settlement is expensive, but your Additional Third Party Liability helps to cover it.
  • While carpooling to work, you are in an accident for which you are at fault. Thanks to your Additional Third Party Liability coverage, you have insurance to cover the injuries to the other driver, your legal defense costs, and the costs arising from the injuries to your passengers.
  • While vacationing in California, you have a serious accident for which you are held responsible, leaving the other driver seriously injured. The other driver decides to sue, which results in a judgment against you for the damages to the other driver's vehicle, medical expenses and loss of revenue. The settlement is expensive, but your Additional Third Party Liability helps to cover it.
  • While carpooling to work, you are in an accident for which you are at fault. Thanks to your Additional Third Party Liability coverage, you have insurance to cover the injuries to the other driver, your legal defense costs, and the costs arising from the injuries to your passengers.

Accident Benefits

Accident Benefits provides coverage for the costs of medical care, rehabilitation, funeral expenses, and more. It also provides income replacement if you are unable to work as a result of an accident.

Accident Benefits provides coverage for the costs of medical care, rehabilitation, funeral expenses, and more. It also provides income replacement if you are unable to work as a result of an accident.

The standard Accident Benefits provide a maximum income replacement benefit of $400 a week in Ontario. If this standard amount does not meet your financial needs, higher coverage is strongly recommended. Optional Accident Benefits can be purchased to increase your limits to $600, $800, or $1000 / week.

Optional Accident Benefits can also include coverage for housekeeping, caregiving, and higher limits for medical care, rehabilitation, funeral expenses, and more.

Common examples

  • You break a leg in a car accident and need rehabilitation. The rehabilitation and other medical costs may be covered under Accident Benefit coverage as a supplement to any basic health insurance you already have, subject to your insurance policy limits.
  • Accident Benefits provides coverage for the cost of medical care, rehabilitation, funeral expenses, and more. It also provides income replacement if you are unable to work as a result of an accident.

The right protection for your vehicle and additional coverage options:

Collision and Upset

For a vehicle as young as yours, we strongly recommend Collision and Upset coverage. The newer a car is, the higher its value, and the more costly it is to repair or replace.

We recommend you purchase Collision and Upset coverage. While your vehicle has a few years on it, these types of repairs can still be very expensive.

We recommend you discuss purchasing Collision and Upset coverage with an advisor. Since your vehicle is older, it will have depreciated considerably from its original purchase price, and this coverage, over time, may cost more than your vehicle is worth. An advisor can help you determine if this coverage is in your best interest.

If your vehicle is damaged in an accident with another vehicle or an object (like a building), this coverage will pay for the costs of repairs.

Common examples

  • While driving to work in heavy traffic, you collide with the car in front of you, damaging seriously the front of your car.
  • You lose control of your vehicle on a patch of ice and hit the guard rail.
  • You lose control of your vehicle on a patch of ice and hit the guard rail.
  • You drift off a bend in the road and roll your car into a ditch.
  • While parking in a parking lot, you hit a pole.
  • Your car is damaged in a hit-and-run accident.

Comprehensive

Comprehensive coverage protects your car against risks not covered by Collision and Upset coverage, such as vandalism, theft, and windshield damage.

We strongly recommend you purchase Comprehensive coverage. A new vehicle such as yours hasn’t depreciated much in value and a little more protection now could save you a lot later.

We recommend you purchase Comprehensive coverage. While your vehicle is a little older and will have depreciated somewhat in value, these types of damages can still be very expensive.

We recommend you discuss purchasing Comprehensive coverage with an advisor. Since your vehicle is older, it will have depreciated from its original purchase value and, over time, this coverage may cost more than your vehicle is worth. An advisor can help you determine if this coverage is in your best interest.

Common examples

  • A severe storm causes a tree branch to fall on your car, breaking your windshield.
  • Your car is stolen.
  • Your car is vandalized, requiring the replacement of tires, windshield, and lights.

Replacement Cost

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less that were new or demonstrator vehicles at the time of purchase or lease, or which currently have Replacement Cost coverage. Speak to our advisor for more details.

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less that were new or demonstrator vehicles at the time of purchase or lease, or which currently have Replacement Cost coverage. Speak to our advisor for more details.

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less that were new or demonstrator vehicles at the time of purchase, or which currently have Replacement Cost coverage. Speak to our advisor for more details.

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less that were new or demonstrator vehicles at the time of purchase or lease, or which currently have Replacement Cost coverage. Speak to our advisor for more details.

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less that were new or demonstrator vehicles at the time of purchase, or which currently have Replacement Cost coverage.

If your car is damaged and needs to be repaired or replaced, Replacement Cost coverage ensures that brand new parts will be used. If your car cannot be repaired, then you’ll receive a new car of the same make and model.

This coverage is only available for vehicles five years old or less, that were new or demonstrator vehicles at the time of purchase, or which currently have Replacement Cost coverage.

Common examples

  • Your car is badly damaged in an accident and, while repairable, much of it must be replaced, including your brand new tires and aging engine. Replacement Cost pays for new tires and a new engine.
  • You wake up to find your new car has been stolen out of your driveway. With Replacement Cost coverage, your car is replaced with a new car – same make and model – at no cost.

Grand Touring Solution

Because you said you rent vehicles, we recommend Grand Touring Solution coverage for you.

Grand Touring Solution provides insurance for rental cars above and beyond what a rental company will provide. Grand Touring Solution will also cover the costs of a rental vehicle in the event that yours is damaged or stolen, and must be repaired or replaced.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible.

Because you said you rent vehicles, we recommend Grand Touring Solution coverage for you.

Grand Touring Solution provides insurance for rental cars above and beyond what a rental company will provide. Grand Touring Solution will also cover the costs of a rental vehicle in the event that yours is damaged or stolen, and must be repaired or replaced.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible, though some limitations apply. If your car breaks down, Grand Touring Solution will also cover the costs of emergency road services.

Because you said you are dependent on your car for getting to work or meeting other commitments, we recommend Grand Touring Solution coverage. In the event that your car must be repaired or replaced, this coverage provides a replacement vehicle to you during that time.

Grand Touring Solution coverage also provides added protection for travellers – offers insurance coverage for rental cars and covers costs unique to accidents happening while away from home.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible.

Because you said you are dependent on your car for getting to work or meeting other commitments, we recommend Grand Touring Solution coverage. In the event that your car must be repaired or replaced, this coverage provides a replacement vehicle to you during that time.

Grand Touring Solution coverage also provides added protection for travellers – offers insurance coverage for rental cars and covers costs unique to accidents happening while away from home.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible, though some limitations apply. If your car is disabled, Grand Touring Solution will also cover the costs of emergency road services.

Because you said you are dependent on your car for getting to work or meeting other commitments, and because you rent cars, we recommend Grand Touring Solution coverage. In the event that your car must be repaired orreplaced due to an accident, this coverage provides a replacement vehicle to you during that time.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible, though some limitations apply. If your car breaks down, Grand Touring Solution will also cover some of the costs of emergency road services.

Because you said you are dependent on your car for getting to work or meeting other commitments, and because you rent cars, we recommend Grand Touring Solution coverage. In the event that your car must be repaired or replaced due to an accident, this coverage provides a replacement vehicle to you during that time.

If you are the victim of a hit-and-run, Grand Touring Solution coverage will waive your deductible, though some limitations apply. If your car breaks down, Grand Touring Solution will also cover some of the costs of emergency road services.

Common examples

  • You’ve flown to Nova Scotia for a family holiday, and rent a car for two weeks while you’re there. Your Grand Touring Solution provides coverage above and beyond what a rental company will provide.
  • While on vacation in another city you are involved in a car accident. It requires several days of repairs, requiring you to stay longer in your hotel, and to rent a car in the interim. With your Grand Touring Solution coverage, the hotel, meals, and car rental are all taken care of, subject to your insurance policy limits.

Accident Forgiveness

Accident Forgiveness makes sure your auto insurance rates won’t go up if you are at fault, either fully or partially, after your first accident. If you have six years of accident-free driving under your belt, Accident Forgiveness is a fitting reward.

Common examples

  • After eleven years of flawless driving, you collide with another car, and are found to be at fault. Thanks to your Accident Forgiveness coverage, your rates do not increase in response. However, should you be at fault in another accident, your rates may increase.

To ensure you are fully covered, speak with an advisor today.

Call 1‑866‑220‑15701‑866‑220‑1570

Already have TD Insurance auto coverage? Log in to My Insurance to customize your plan.

This assessment – of your recommended insurance coverages – is based on your responses to the preceding questionnaire. The coverages you see are those determined to be the most important for you – but are by no means the only options available. If you have insurance needs beyond what you see here, one of our advisors can guide you through our other offerings.

See how much you can save in as little as 5 minutes.

Start my Auto Quote

Get the right advice from our advisors for the best coverage that fits your needs.

1‑866‑220‑1570

See how much you can save.

or speak with one of our advisors today by calling 1‑866‑220‑1570.

Click here to review your Auto insurance coverage needs