Auto Insurance

Find the right Car insurance

Insurance protects you and your assets in case of loss, injury or damage; either caused by you, or by someone else.

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

Which auto insurance is right for you?

It's the Law

In Ontario, the law requires that all motorists have auto insurance. Your driver's license can be suspended and vehicle impounded if you're found driving without valid auto insurance. Fines can range between $5,000 to $50,000.
Raise-your-Deductible

Raise your Deductible

The deductible is the amount you pay before insurance kicks in if you have a claim. The lower the deductible you choose, the more you pay in premiums. If it's been years since you've had an accident, you may be better off raising your deductible and paying less each year for insurance.

Discounts, Discounts, Discounts

Auto insurance companies offer several discounts for a variety of reasons. Most recently all provincial insurance companies are to provide a discount for drivers who buy and install winter tires. Make sure you are taking advantage of all the discounts available to you!

Why We're Different

While most insurance products are similar in price and function, insurance providers vary when it comes to structuring a policy tailored to you.

After all, there’s no such thing as a one-size-fits-all insurance policy when it comes to your automobile.

We recognize that everyone encounters challenges along the way and strive to anticipate those situations as they occur. Our only goal is to keep you and your loved ones protected with the policies you need.

 

    Integrated Explorations Inc.

    We would recommend Colley Insurance to any organization without hesitation

    Teutech Industries Inc.

    They (Colley Insurance) have been able to effectively meet our ever changing requirements, due to our rapid growth, in a professional manner

    Knar Jewellery

    Over the last two decades, Colley Insurance has provided Knar Jewellery with unparalleled service and support.

    Auto Insurance Coverage Options

    Umbrella and excess liability coverage - Unfortunately, when wealthy individuals are found to be responsible for the injuries to others, the victims take the opportunity to cash in on their misfortune and collect a large amount of money.

    With excess liability coverage through your luxury home insurance, you will have the protection of full coverage to pay for legal fees of the best lawyers as well as any restitution or court fines that you are required to pay.

    Liability insurance for domestic staff - You may have full or part-time housekeeping and grounds maintenance staff members that help you with the upkeep and daily operations in your home. If so, you need to invest in additional liability coverage that will pay the medical bills if a member of your domestic staff is injured on your property or while on the job.  

    The more your assets grow, the higher your liability risks are. No matter how well you’ve covered your bases, sometimes things go wrong. A car accident. A guest who slips and falls on your property. A lawsuit. If you don’t have the right coverage, an unfortunate situation can compromise your financial security and put your personal assets at risk.

    An excess policy responds when the underlying liability limits of your other policies, such as home and auto, aren’t enough to cover the unexpected costs of a lawsuit or accident.

    It is important to note that most Canadian insurance policies carry on average $1,000,000 of liability coverage. This limit can quickly become quickly exhausted and is very frequently limited to North America. The Group Personal Excess policy provided by Chubb Insurance provides up to $5M of worldwide coverage which extends to all dependent member of your house hold and also provides coverage for foreign owned assets.*

    * Territorial restrictions apply: Sudan, North Korea, Iran, Cuba, Syria

    Personal Liability (Homeowners) for bodily injury and property damage in the minimum amount of $1,000,000 per each occurrence.

    Registered and unregistered vehicles in the minimum amount of $1,000,000/$1,000,000 bodily injury and $1,000,000 property damage; or $1,000,000 single limit per each occurrence. Registered vehicles include motorcycles and motorhomes.

    Uninsured and underinsured motorist protection in the minimum amounts of $1,000,000 per each occurrence. This requirement does not apply to the provinces of Quebec or Manitoba.

    Watercraft less than 8 metres (26feet) and 50 engine rated horsepower or less for bodily injury and property damage in the minimum amount of $100,000 per each occurrence.

    Watercraft 8 metres (26 feet) or longer or more than 50 engine rate horsepower for bodily injury and property damage in the minimum amount of $500,000 per each occurrence.

    *The above liability limits must be in USD if the asset is located in the United States.

    Each participant is covered for a $5 million limit of liability, and there is no annual aggregate on the policy.

     

    Your Chubb Group personal Excess Liability coverage provides worldwide automobile rental coverage (subject to a few territorial restrictions), for up to 60 days. You can rent a car while on vacation and have coverage for personal injury and property damage without buying the additional insurance.

     

    Yes. At the time of writing this (November 1, 2017) you would not be covered in Iran, North Korea, Syria, Cuba and Sudan. Please check with us for any changes to these territorial restrictions.

    What do I do if there is an accident?

    Please contact Colley Insurance at 1-888-824-0445 as soon as possible, so we can help you through the claim process.

    Need any help!

    Office: 519-824-4040
    Toll-Free: 888-824-0445
    Fax: 519-763-6839
    customerservice@tgcolley.com
    1 - 34 Harvard Road Guelph,
    ON N1G 4V8

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