Auto coverage
We'll help you get the right auto insurance that fits your needs.
Let us help you get the right coverage, no matter how often you drive, and uncover every discount you may qualify for.
Why it matters
Why is auto insurance important?
Driving is the one risk most of us take every single day. The right policy makes that risk survivable — financially and practically.
Auto insurance is mandatory to drive legally, and the right policy keeps you on the road instead of tangled in paperwork after a bad day.
A single at-fault collision can mean repair bills, medical costs and legal claims — coverage absorbs what would otherwise land on you.
Cars get hit by more than other cars. Hail, theft, falling branches and flying gravel are all everyday risks your policy can answer for.
If someone hits you without enough insurance of their own, your policy can step in so you're not left covering their mistake.
Coverage that travels with you
School runs, road trips, the long way home — your policy stays with the car and the people in it, wherever the road points.
How to buy
Getting covered takes minutes
Three short steps between you and an auto policy built around how you actually drive.
Tell us about your drive
Your vehicle, how far you drive in a year, and who's behind the wheel. That's the starting point.
Build the coverage you want
Pick your deductible, set your limits and add extras like roadside or glass — see how each choice changes your protection.
Confirm and hit the road
Review everything, finish online, and your proof of insurance is ready in your EverNorth account right away.
Save & earn
Ways to save on auto insurance
Simple choices that may lower what you pay without trimming the protection you actually need.
Bundle your policies
Pair your auto policy with home, condo or tenant coverage and you may be eligible for a multi-policy discount on both.
EverNorth Rewards
Stay claims-free, go paperless and keep your policy with us — eligible drivers earn rewards through the customer portal over time.
Built from the road up
Every auto policy starts with the coverage the law requires, then adds only what makes sense for your vehicle and your kilometres.
What's covered
What does auto insurance cover?
A standard EverNorth auto policy can include:
Third-Party Liability
Helps cover costs if you're found responsible for injuring someone or damaging their property in a collision.
Collision
Helps repair or replace your vehicle after a collision with another vehicle or object, up to your policy's limits.
Comprehensive
Covers the things that aren't collisions — theft, vandalism, fire, hail and falling objects.
Accident Benefits
Helps with medical care, rehabilitation and income replacement after an accident, no matter who was at fault.
Uninsured Motorist
Protects you if you're hit by a driver who has no insurance, not enough insurance, or leaves the scene.
Direct Compensation
Where available, helps cover damage to your vehicle when another driver is at fault — handled through us, not them.
Make it yours
Optional coverages
Add any of these to your auto policy while you build your quote.
Auto discounts
Explore auto insurance discounts
Check out the savings you may qualify for. Eligibility varies by province and territory.
Claims-Free
Driven a while without a claim? That record may qualify you for savings on your auto policy.
Winter Tires
Fit approved winter tires each season and you may be eligible for a discount where it's offered.
Multi-Vehicle
Insure more than one vehicle in the same household and each one may qualify for savings.
Combined Policy
Bundle your auto insurance with a home, condo or tenant policy and you may save on both.
Low Mileage
Drive less than most? Lower annual mileage may mean lower risk and a discount to match.
Buy Online
Getting your quote and binding your auto policy online with EverNorth may qualify you for a discount.
Good questions
Auto insurance FAQs
The answers drivers ask us most.
Keep exploring
Looking for other insurance?
Ready to get on the road with the right coverage?
Answer a few questions about your vehicle and your driving, and we'll point you to the coverage that fits.