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Car insurance and so much more

  • Cars, vans, trucks & SUVs

  • Snowmobiles & ATVs

  • Motorcycles

  • Motorhomes & campers

Things we can cover

  • Legal fees (if being sued)
  • Medical expenses
  • Theft and vandalism
  • Damages to others involved
  • Accident repairs
  • Rental car costs, and more…
  • Lost wages if you're injured and unable to work
  • Cracked windshields

Talk to a broker to learn more

Who needs it?

Everyone — it’s the law.

If you’re in British Columbia, Saskatchewan, or Manitoba, you must buy mandatory accident benefits through a government-run insurance program. You may also be eligible for additional coverage through private insurers like us.

If you live in any other province or territory, you have more flexibility and choice when it comes to the company you want to work with and the level of coverage you want. Just because you’re required to have it, doesn’t mean you need to settle.

Talk to a broker about your options

We reward smart, safe, and loyal drivers with better rates. It’s our way of saying thanks for keeping our roads safe and for trusting us to take care of you when you need it most.

Ask your broker how to take advantage of our discounts

  • Conviction-free driver
  • Accident-free driver
  • Renewal discounts
  • Experienced driver
  • Installed anti-theft device
  • More than one car insured
  • Bundled home and car insurance, and more…

Not-so-perfect driving record?

Whether you’ve had a few accidents or multiple tickets, we can help. We are one of Canada’s leading special risk providers since 1968.

Ask your broker about special risk coverage

Why choose Economical?

Your satisfaction is our top priority, and it’s guaranteed. With a specialized team of over 600 claims professionals on your side, you’re sure to get the service you deserve — 24 hours a day.

Learn about our service guarantee



We consider several factors when determining your premiums, including:

  • How many claims you’ve submitted in the past
  • Information about you (e.g., how long you’ve been a licensed driver)
  • Traffic violations (e.g., speeding tickets)

A deductible is the amount that you agree to pay (out of pocket) for claims-related expenses before your insurance company pays for the remaining costs.

Let’s say you have an accident and the total approved cost to repair damages is $5,000. If you chose a $500 deductible when you purchased your policy, you would need to pay for the first $500 worth of expenses, and Economical would cover the remaining $4,500.

TIP: Choosing a higher deductible will lower your insurance premium. Just be prepared to pay for any costs up to that deductible amount when you need to make a claim.

We recommend reviewing your policy at least once a year, but there are certain times when you’ll need to contact your broker to officially update it:

  • When your address has changed
  • Any time you buy another vehicle
  • When there’s an additional licensed driver in your household
  • If you’ve changed how you use your vehicle (e.g., for business)

If you’re a driver with Uber in Ontario, Quebec, Alberta, Nova Scotia, New Brunswick, or Newfoundland, please talk with your broker about making sure you have appropriate personal car insurance coverage.

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