Car Insurance

Protection to get you where you need to go.

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Find the right car insurance for you

Protect yourself and your loved ones by purchasing car insurance through Cowan.

As an independent broker, we work for you and will find the best coverage for your vehicle to meet your needs.

It’s important to remember that not all car insurance policies are created equally.

There are many things that can affect your car insurance coverage and the rate you pay, including your age, your driving record, the type of car you drive, your claim history, and how much you drive your vehicle. No matter what your needs may be, our expert advisors will take the time to listen and offer you tailored advice specific to your situation – all at a competitive price.

If you ever have a claim, our in-house claims team will help you through the process and provide coverage information along the way. What’s more, you may be eligible for discounts if you insure both your home, property and auto through Cowan.

We also offer:

  • Insurance for Antique, classic and high-value vehicles
  • Motorcycles, snowmobiles, ATVs, and motor homes
  • Commercial automobile
  • Garage automobile coverage

Why partner with Cowan Insurance Group for your car insurance?

Expert Advice

A Cowan expert who specializes in car and vehicle insurance will call you directly. Our expert advice means you will speak to the right person the first time.

Custom Coverage

Custom coverage specifically built for you means that Cowan will take the time to learn about your individual insurance needs.

Our Promise

Cowan is Canadian owned and independent. Your satisfaction is the only outcome we accept. Our clients are at the heart of everything we do and we care about what you care about.

Car Insurance FAQs

What does my car insurance cover?

To determine exactly what your car insurance covers, review your policy declaration documents, which will define the specifics of your coverage.

Various coverage options are available for purchase.  Below are several examples of what car insurance may cover, depending what options you choose.          

  • Damage caused to someone else’s property for which you are legally liable. This may include damage to their car or city owned property such as street signs, light posts, etc.
  • Personal injury to another person for which you are legally liable. This may include injury to passengers in your vehicle at the time of the collision, or injury to drivers and passengers in the other vehicle(s)
  • Damage done to your vehicle where another party is deemed to be at fault, such as bumper damage or scratches and dents
  • Personal injuries you sustain as an occupant in a vehicle or as a pedestrian
  • Collision insurance would cover damage to your vehicle for which you are at fault. This could include damage caused by hitting a parked car, pothole damage, and other major car repairs required after a collision
    Note: This will be subject to a deductible
  • Coverages under comprehensive insurance could include loss or damage caused by incidents such as:
    • Fire
    • Theft or attempted theft
    • Lightning, windstorm, hail, or flooding
    • Falling or flying objects, such as trees
    • Vandalism, such as smashed windows
    • Hitting an animal
    • Windshield damage or replacement
      Note: This will be subject to a deductible
  • Coverage is available for rental of a vehicle if your vehicle cannot be driven after a collision, subject to the policy conditions

Not sure you have the right coverage for your vehicle? Contact a Cowan car insurance expert for a free, no-obligation quote.

What could affect my car insurance rates?

Your car insurance rates will be affected by a variety of factors specific to you.

Your car insurance rates will be affected by a variety of factors specific to you. A few of the factors that influence your car insurance rates include:

  • The make, model, and age of your car. Contrary to popular belief, the colour of your car does not affect your insurance rates
  • Your driving history
  • Your location.
    Note: Moving to a new address, even within the same city, could affect your rates; update your address with your broker as soon as you know that you are moving

Other factors that influence your car insurance rates include:

  • Your accident history
  • Tickets (excluding parking tickets)
  • A change of vehicle
  • Accumulated years of driving experience or accumulated years with a clean driving record
  • How you use your car, such as driving distance to work

The bottom line is that car insurance rates are highly individualized to each driver’s vehicle and specific driving situation.

For more information on your car insurance rates, contact a Cowan broker for a quote.

What documents or information do I need to get a car insurance quote?


To get a quote for car insurance, you will need the following information

  • Information on your previous or current insurance coverage
  • Information on your driving history, including accidents and any tickets (excluding parking tickets)
  • Driving history of all licensed drivers in your household as well as any other regular drivers of your car.
  • The year, make, model, and VIN of your vehicle
  • Information on any modifications or unrepaired damage to your vehicle
  • An estimate of the annual kilometres you will drive in the vehicle
  • The number of kilometres, one-way, that you drive between your home and workplace
  • How you’ll be using your vehicle, including any potential business use

Contact a Cowan car insurance expert for a free, no-obligation quote.

When do I need business car insurance?


If you are using your vehicle as part of your job (aside from driving to and from your workplace), you will require business use coverage on your personal car insurance policy. For example, a real estate agent using their car to show properties would require business use insurance. When you discuss how you’ll be using your vehicle with your broker, be as thorough as possible so that they can help review your insurance needs

Other uses of your vehicle may require commercial auto insurance. Examples of when you will need commercial vehicle insurance are if you are using your vehicle for:

  • Transporting materials or tools to your place of employment
  • Retail or wholesale delivery (e.g., pizza delivery)
  • Transporting passengers for compensation

Unsure if you need business use or commercial auto insurance? Talk to one of our brokers, who can help you determine the right coverage.

Can friends and family drive my car?


Unless they have their own insurance, you should notify your broker of any regular driver of your car or any licensed driver in your household. They will likely need to be added to your policy. Don’t forget to let us know when your teenagers get their licenses, as well.

You can lend your car to someone who is not a regular driver of your vehicle, but they must have your permission and be legally qualified to drive. If the friend or family member were to get in an accident while driving your car, it will affect your premium, the same way it would if you were driving.

Contact a Cowan car insurance expert for advice and to get a quote on adding other drivers to your policy.

24/7 toll-free Claims Support

If you or your business has suffered a loss, you need advice and answers quickly. Our dedicated Claims Department is here for you 24 hours a day, 7 days a week.

Claims Centre

Home & Property Insurance

Whether you rent or own, your home and belongings likely represents your most significant investment. You need to be confident that your home and contents are fully covered by your insurance plan.

Home & Property

Commercial insurance that works for you

Whether you are a small business or a large corporation, insurance can help keep you safe from everyday risks and potential financial loss.

Business Insurance