An Unlicensed Driver – If you do not have a driver’s license, you cannot purchase auto insurance in Ontario.
Stolen Items – If your vehicle is broken into and the thief makes off with your backpack, GPS, laptop, or other items, your claim is not covered by your auto insurance. Since property was stolen from your vehicle, your claim would fall under your home or property insurance.
Windshield Replacement – Comprehensive insurance coverage will replace a broken windshield, subject to your deductible .
Vandalism – Comprehensive insurance coverage will cover vandalism to your vehicle.
Engine Failure – No, engine failure is not covered by your auto insurance policy, because it is often caused by improper maintenance of your vehicle.
Pre-Existing Damage – Pre-existing damage to your vehicle is not covered by your auto insurance policy.
Medical Bills – The Accident Benefits portion of your auto insurance policy will cover medical bills, up-to a specific limit, in the event you are injured in a car accident.
Hail Damage – Comprehensive insurance coverage will repair your vehicle in the event of hail damage.