AUTO INSURANCE
for London, Exeter, Grand Bend, Chatham, Tilbury and region

For over 70 years, Sutherland Elliott Brokers and Gaiser Elliott Brokers have earned the trust of drivers by providing dependable, affordable auto insurance that they can count on.

Automobile Coverage

Whether it’s an SUV, EV, car, van, truck, or a classic, your vehicle is one of your most valuable assets. Make sure it’s protected with coverage you can count on.

Your car is a vital part of your daily life—so having the right insurance isn’t just smart, it’s essential. At Sutherland Elliott Brokers and Gaiser Elliott Brokers, we take the time to understand your needs and match you with coverage that fits your lifestyle and budget. From basic liability to full protection against accidents, theft, and weather damage, we make the process simple and focused—so you can drive with confidence.

  • Passenger Cars
  • Classic Car
  • Hot Rod
  • Trucks
  • SUVs
  • Mini Vans
  • Leased Vehicles
  • Cargo Vans
  • Passenger Vans
  • Luxury Vehicles
  • High-Performance Vehicles
  • Shared Vehicles (rideshare or car-sharing)
  • Alternative-Fuel & Eco-Friendly Vehicles:
  • Electric Vehicles (EVs)
  • Hybrid Vehicles
  • Plug-In Hybrids

save money

How to Save on Car Insurance in Ontario

Paying less for car insurance doesn’t have to mean cutting corners on coverage. With the right discounts and options, you can keep your premiums lower while staying fully protected.

  • Multi-Vehicle Advantage: Insure all your vehicles in the same household together and cut premiums by as much as 15%.
  • Bundle Home and Auto: Combine your vehicle and home insurance for additional savings.
  • Winter Tire Discount: Install four approved snow tires from November through April to reduce your premium.
  • Smart Driving Discount: Safer driving behaviour recorded through telematics can reduce your rate by as much as 25%.
  • Higher Deductible Option: Choose a higher deductible to reduce your monthly payments.

Mention these discounts when we quote your auto insurance — they could save you a lot.

Ontario Auto Insurance Coverage Options

Car insurance is legally required in Ontario to drive any registered vehicle.
Operating a vehicle without valid insurance in Ontario can lead to serious penalties, including fines from $5,000 to $50,000, licence suspension, and possible impoundment.

We offer the full range of insurance coverage options.

MANDATORY COVERAGE

  • Third-Party Liability: Provides coverage if you’re responsible for injuries or property damage to others.
  • Accident Benefits: Offers medical care, rehabilitation, and income support no matter who was at fault.
  • DCPD: Covers repairs to your vehicle when another insured driver is to blame.
  • Uninsured Automobile: Protects you if you’re struck by an uninsured driver or involved in a hit-and-run.

OPTIONAL COVERAGE

  • Higher liability limits Extra protection with coverage ranging from $1–2 million.
  • Collision or Upset: Pays for repairs if you’re at fault or your vehicle rolls over.
  • Comprehensive: Covers non-collision losses such as theft, fire, vandalism, or weather damage.
  • Specified Perils: Protection against listed risks, like theft or natural disasters.

ADDITIONAL ADD-ONS

  • All Perils: Combines collision and comprehensive coverage with added protection.
  • Loss of Use: Reimburses rental costs while your vehicle is being repaired.
  • Depreciation Waiver (OPCF 43): Ensures you receive the full purchase value if your car is written off.
  • Roadside Assistance: Provides help with towing, battery boosts, or lockouts.
  • Accident Forgiveness: Prevents your premium from rising after your first at-fault accident.
  • MANDATORY COVERAGE
    • Third-Party Liability: Provides coverage if you’re responsible for injuries or property damage to others.
    • Accident Benefits: Offers medical care, rehabilitation, and income support no matter who was at fault.
    • DCPD: Covers repairs to your vehicle when another insured driver is to blame.
    • Uninsured Automobile: Protects you if you’re struck by an uninsured driver or involved in a hit-and-run.
  • OPTIONAL COVERAGE
    • Higher liability limits Extra protection with coverage ranging from $1–2 million.
    • Collision or Upset: Pays for repairs if you’re at fault or your vehicle rolls over.
    • Comprehensive: Covers non-collision losses such as theft, fire, vandalism, or weather damage.
    • Specified Perils: Protection against listed risks, like theft or natural disasters.
  • ADDITIONAL ADD-ONS
    • All Perils: Combines collision and comprehensive coverage with added protection.
    • Loss of Use: Reimburses rental costs while your vehicle is being repaired.
    • Depreciation Waiver (OPCF 43): Ensures you receive the full purchase value if your car is written off.
    • Roadside Assistance: Provides help with towing, battery boosts, or lockouts.
    • Accident Forgiveness: Prevents your premium from rising after your first at-fault accident.

Electric Vehicles (EV)

Smarter Coverage for Ontario EV Owners

Your EV deserves more than standard auto insurance. We’ve designed policies that protect the technology, the investment, and the way you drive.

Protection That Fits Electric Vehicles

  • Charger & Equipment Protection: From home units to public stations, covered against damage or vandalism.
  • Battery Safeguard: Coverage for OEM and aftermarket batteries, even after collisions or surges.
  • On-the-Road Support: Roadside help for charging-related issues.
  • Future-Ready Replacement: Agreed-value settlement with a new or equivalent EV.
  • Trusted Repairs: Network of EV-certified shops, or your own preferred mechanic without penalty.

Tailored for Ontario Roads

  • Third-party liability protection starting up to $2M+
  • Rental vehicle coverage (OPCF 20) included for EVs
  • Discounts for winter tires and telematics programs
  • Additional protection for EV charging equipment

Talk to us today about an Ontario EV policy built around the way you drive.



Hot Rod Insurance

Hot Rod and Custom Car Insurance in Ontario

Your build isn’t just a car — it’s years of work, passion, and craftsmanship. We’ll make sure it’s protected with coverage designed for modified and specialty vehicles.

Coverage That Matches Your Ride

  • Modified Vehicle Protection: From engine swaps and custom paint to frame changes and performance upgrades.
  • Agreed Value Guarantee: Get the full insured value in the event of a total loss.
  • Parts & Gear Coverage: CProtection for spare parts, specialty tools, and restoration equipment.
  • Your Choice of Shop: Use a trusted repair facility or keep salvage rights.
  • Road-Ready Compliance: Fully aligned with Ontario’s OAP 1 requirements.

What's Included?

  • Agreed Value coverage (OPCF 19A)
  • Spare parts & restoration tool protection
  • Coverage during restoration projects
  • Flexible liability options and add-ons
  • Optional track-day protection

Get a custom quote from an Ontario specialty broker and protect the pride you’ve built.



Classic Vehicle Coverage

Classic Car Insurance in Ontario

Your classic isn’t just transportation — it’s history, craftsmanship, and pride on wheels. Whether it’s a restored muscle car, a collector convertible, or a weekend cruiser, we’ll help protect the value and the story behind it.

Coverage That Respects the Classics

  • Agreed Value Guarantee You and the insurer set the value upfront — no surprises in the event of a total loss.
  • Lower Premiums: Because classics are driven less, you benefit from better rates.
  • Flexible Driving Privileges: Enjoy parades, exhibitions, club events, and pleasure drives.
  • Specialized Claims Support: Adjusters who understand classic cars and access to specialty parts.

Does Your Classic Car Qualify?

  • Typically 15–25+ years old
  • Limited, non-daily use
  • In excellent condition or under restoration
  • Stored securely when not on the road

We’ve been helping Ontario enthusiasts — from London to Grand Bend — protect their classics with coverage they can trust.

Let’s find the right policy for your legendary ride. Talk to a specialty broker today and keep your classic protected for years to come.