Auto Insurance

Buying car insurance can be confusing and time-consuming. It doesn’t have to be.

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It’s hard to know what type of coverage you need, and even harder to find a company that offers a policy that is tailored specifically to your needs. 

We don’t believe in “one size fits all” car insurance so we work with you to find the right policy at the right price. As your local auto insurance brokerage, we have a range of personal auto insurance options to help you find the perfect coverage for you. 

Whether you’re an experienced driver, or you’re new to the road, we want to make sure you are getting the best deal for your needs, but also that you are fully covered in case of an accident. 

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2023 Auto Brochure

What Our Customers Have to Say

My family and I have used the Ostic Group for years now and its been a great experience!Never difficult to speak with someone when I have a question and they are always looking for ways to save us money.Love seeing them give back to the community too!
Matt McQuade
Matt McQuade
18:03 26 Aug 20
When it comes to insurance, it doesn't get any better than these folks. Super responsive, very friendly, always trying to help, and unbelievable rates. They insure everything for my family and my business and they are awesome. Local, real people, no call centre's, just good old fashioned customer service with a smile! Keep it up. Ostic Group, seriously, you never cease to amaze. Oh ya and Dana is amazing!!!!
Rob Murray
Rob Murray
21:45 11 Jan 20
I have dealt with OSTIC for years. They never miss a beat. Good old, fast, friendly, professional service. 🙂
Stefan Wiesen
Stefan Wiesen
16:54 05 Nov 20
I have used The ostic group over 10 years. I find they are very knowledgeable and there to help. I will stay with them for years to come.
Linda Goodyear
Linda Goodyear
12:42 17 Jan 21
I recently purchased my first car and needed insurance. My friend referred me to The Ostic Group and I am so happy they did. Jessica Dewey was so helpful and went out of her way to get insurance for me, even offering to stay late on a Friday to get the paperwork filled out! Being a first time car owner, I didn't know where to start or what was the best plan for me. Jessica was very informative and made me feel very comfortable throughout the application process. Highly recommend!
Melanie Bartlett
Melanie Bartlett
14:34 26 Oct 16
I've recently received home & life insurance from The Ostic Group and have been very pleased. I'll be completely open on this review in saying that they are a client of where I work, but this did not sway my decision.Jessica Flanjak and The Ostic Group team were helpful while presenting my options. Jessica made it a simple and delightful process. I feel very good about my decision and will be switching my auto insurance over to The Ostic Group as well.
James Burgie
James Burgie
14:05 17 May 17
This whole team is incredible to work with. They not only have a massive focus on giving back to the community, but they are all passionate about insurance and making sure their clients have the right coverage. The Ostic Group insures my business, my house, and my car and in every interaction they always go above and beyond. Keep up the amazing work, we are lucky to have a business like yours in our community!
Paul Demarco
Paul Demarco
01:51 28 Oct 16
The team at the Ostic Group are all amazing to work with! Quick responses, fair quotes and a friendly staff that know their stuff, the Ostic Group should be considered by all when looking at Insurance needs. Jessica Flanjak was a huge help when I was looking for home and auto insurance and her willingness to help in any way possible made my experience with them too-notch! Keep up the great work - would highly recommend.
Ryan Vielma
Ryan Vielma
17:11 25 Oct 18
After meeting Jessica Dewey on a happenstance years ago, I have always turned to her for insurance advice as I know she has always had her client's best interests in mind. When I switched brokers to Ostic Insurance, it was the best decision I have made as Jessica always notifies me of changes in my policy, and works dilligently to get me the best insurance coverage at the best rate possible. She is always there to answer any questions I have in a pleasant, professional manner, and I am delighted to not only refer to her as my insurance broker but also as a friend.
Allison Mammoliti
Allison Mammoliti
13:14 20 Mar 23
I am very satisfied and happy with my broker at the Ostic. Very professional.
michael Park
michael Park
15:34 20 Mar 23
Jessica Dewey has provided excellent service for my home, auto and travel insurance needs. I highly recommend her and the team at Ostic!
D Drake
D Drake
19:03 17 Mar 23
Jessica Dewey has always been a great help with all of my insurance needs. Thanks for all the great work!
13:35 17 Mar 23
Always had great experience with our broker, Jess! She's found us the cheapest rates every year for over a decade! Will never use another insurance broker
Simon Ko
Simon Ko
01:25 18 Mar 23
Hello,Jessica Dewey most definitely deserves five stars. My wife Nancy and I recently purchased a home in the Village by the Arboretum. When we contacted Jessica to obtain insurance coverage she was extremely helpful in every way. She provided mutiple options and thoroughly explained all of the need-to-know details. Jessica clearly cares about her clients and it shows in her professional, efficient and friendly manner. It is a pleasure to know and work with Jessica..............thanks!☺Ron and Nancy Hansen
Ron Hansen
Ron Hansen
18:48 17 Mar 23
Very friendly. Quick turn around for responses to any questions you may have. Always finding the best insurance and cost for your needs. Highly recommend this company and to deal with Lisa Robertson.
Nicole Self
Nicole Self
20:10 17 Mar 23
I have been a customer of Ostic Group Insurance for several years now, and I have nothing but great things to say about them. As a local company, they really care about their customers and go above and beyond to make sure they find the best insurance product for your needs.Working with Lisa Robertson has been an absolute pleasure. She is incredibly knowledgeable, professional, and dedicated to ensuring that her customers are satisfied. I have always felt valued as a customer, and I appreciate the personalized attention that I have received.Overall, I highly recommend Ostic Group Insurance to anyone looking for excellent service and great insurance options. Thank you for all that you do!
Robert Mitchell
Robert Mitchell
01:12 27 Mar 23
I have received amazing customer service with Ostic Insurance for over 10 years. Jessica Dewey has always done a great job finding me the best rates. She is always cheerful and a pleasure to chat with. I highly recommend Ostic to my friends and family.
Steven Keenan
Steven Keenan
20:55 27 Mar 23
Our family has been dealing with OSTIC insurance for nearly 35 years. When we had the misfortune of experiencing a car accident a number of years ago, our agent Lisa, was exceptionally courteous, helpful, knowledgeable, and prompt in dealing with our many questions and eventual car replacement. If Lisa doesn’t have a “quick answer” to any of our questions, she is very thorough in her investigation, and usually responds within 24 hours! Hats off to Lisa, and the other wonderful staff, at OSTIC insurance in Guelph.
Mary Bickley
Mary Bickley
15:15 04 Apr 23
My experience with The Ostic Group Insurance was and continues to be an outstanding service to my insurance needs. Jessica Dewey gave my business and home needs the utmost care as she packaged everything together in a professional way. I am very happy with the continued communication from her team. Thank you Jessica!
Barry Bauman
Barry Bauman
18:38 17 Mar 23
Been a customer for almost 35 years now (Guess that alone ages me!!)Never a problem with any of the staff really. The odd thing is missed or is incorrect. However, they are quick to fix anything you need.My regular agent went off on maternity if my memory serves me correctly, and lately, I have been working with James. He has gone above and beyond and is relatively quick at resolving inconsistencies.We would and have recommended Ostic to others.Take care everyone at Ostic!R. LOWE
Rebecca Lowe
Rebecca Lowe
19:40 02 May 23
The greatest experience and best decision I’ve ever made when my husband and I switched to Ostic Group in 2016. I directly deal with Lisa Robertson. She always has our best interest at heart, and she is always so wonderful and friendly to deal with!! Thanks again Lisa for the amazing customer Service!
Natalie Brimblecombe
Natalie Brimblecombe
21:36 17 Mar 23
I have used the Ostic Group for a while now and recently got assigned to Mikayla. What can I say, she makes insurance easy! Yes you heard me, insurance and easy in the same sentance. I would never go back to a traditional insurance company again, go see Ostic and hope you get the awesome Mikayla.
J Robinson
J Robinson
18:52 26 Jul 23
I have been with Ostic Group insurance for quite a few years for both my personal and business needs. Lisa, Julie and anyone else I’ve dealt with have always been great, prompt in responses and very knowledgeable in their industry. Would highly recommend!! Thumbs up to a great team! Thanks gals!
Diana Gatto
Diana Gatto
17:18 23 Mar 23
Jessica D. and everyone at the Ostic Group has been phenomenal to work with over the past 6 years. I have never, not for a moment, worried about whether I have the best car and home insurance coverage! Highly recommend!
Cassandra Hammond
Cassandra Hammond
02:33 03 Apr 23

Why Choose Us?

Save Time

Get competitive rates without having to spend hours researching on your own.

Get Better Service

Say goodbye to call centers. Get the ease of dealing with an all-in-one brokerage without sacrificing customer service.

Support Local

Strengthen local businesses and give back to the community you live in.

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What We Need to Provide a Car Insurance Quote

In order to provide an accurate quote for the cost of your auto insurance, you will need to provide us with the following information:

  • The full address of your residence, including your postal code.
  • The year, make, model, and serial number of your vehicle(s).
  • The current use of each vehicle, including distance driven to work (if any), annual kilometers driven, and any business use of the vehicle.
  • A list of all drivers in the household, including their driver’s license numbers.

We look forward to helping you secure the auto insurance policy that will fit your lifestyle and keep your family safe. Through every season of life, The Ostic Group is here to protect the Guelph, Shelburne, Elora, and Fergus communities with comprehensive auto insurance policies.

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What’s Included in Our Auto Insurance Policies

At the Ostic Group, our goal is to provide insurance packages that are customized to your lifestyle. We couple this with best-in-class rates and a team that truly cares about the people and community they work with.

Support When You Need Us

There is nothing better than knowing someone is on your side. That’s why we offer a 24/7 claim service. Whether it be for roadside assistance or to report the unfortunate event of an accident — the Ostic Group is there. We will quickly and efficiently guide you through the claims process, to ensure your claim reaches the best outcome possible.

Confidence on the Road

We give you the coverage you need to hit the road with confidence. In Ontario, all drivers are required to carry third-party liability insurance, accident benefits coverage, direct compensation property damage (DCPD), and uninsured motorist insurance.

We build our auto insurance packages around these essential coverages and add additional coverage options based on your expected use. Other types of coverage include collision, comprehensive, loss of use and waiver of depreciation.

Combined Savings

For discounts on car insurance in Guelph, combine all the auto insurance needs for your household with one insurance broker from Ostic Group.

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We’ll Help You Figure Out How Much Auto Coverage You Need

Deciding on the right auto insurance coverage can be overwhelming. You might not know what each type of coverage means, what you need, or even how much coverage you should have. 

We’re here to help. Our team of professionals will take the time to walk you through each type of coverage and help you find the best protection for your needs.

A typical auto insurance policy includes:

Liability Coverage

Should an accident occur where you are deemed responsible, liability coverage describes what is covered when the other party is injured, passes away, and/or their property is damaged.

Accident Benefits

Accident benefits coverage on your own policy protects you for injuries sustained in a car accident, regardless of who is determined to be at fault.

Uninsured/Underinsured Driver Protection

This coverage provides protection should you be in an accident where the other party is uninsured, underinsured or unidentified (such as in a hit and run).

Collision Protection

Collision coverage is there to repair damage to your own vehicle following an accident where you are deemed to be at fault or partially at fault. This could mean hitting another car, or another object.

This coverage is also what is needed for repairs to your vehicle if you experience a “hit and run”. Since the other driver is not known, your own collision coverage comes into effect and protects your vehicle.

Comprehensive Coverage

Most common comprehensive auto claims include things such as fire, theft and vandalism. Broken windshields, collisions with an animal and damage caused by weather are also examples of protection under this optional coverage.

Each province has minimum car insurance coverage requirements. Ontario’s minimums are a starting point for determining coverage, but often they’re too low to sufficiently cover you in the event of a major accident.

Waiver of Depreciation

A waiver of depreciation is optional insurance coverage that you can purchase in your car insurance policy. It essentially means that, in the event your car is totalled in an accident, your insurance company will reimburse you for the full value of your car, rather than depreciating it based on its age and mileage. This coverage can be especially beneficial if you have a newer car or one that has high resale value. 

Not all insurance companies offer a waiver of depreciation and the ones that do typically only offer it on newer cars. If you’re interested in this coverage, it’s best to speak to one of our insurance professionals to see if it is right for you.

More Than Just Car Insurance

At the Ostic Group, we believe that personal auto insurance should cover more than just your standard car. With so many seasonal and pleasure vehicles available today, it only makes sense that you have the best insurance options available to cover them.

Here are some of the options available for car insurance in Ontario:

Antique And Classic Car Insurance

Antique and classic vehicles require special care and attention — and that’s why we partner with Hagerty to offer personal auto insurance that is specific to antique and classic automobiles.

Get coverage for a wide range of vehicles, including nickel-era cars, antique tractors, modern classics, exotic vehicles, military vehicles, and more.

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ATV Insurance

All-terrain vehicles, quads, or four-wheelers are popular vehicles for both leisure and work purposes.

When looking for ATV insurance, it’s important to find the insurance rating that is best suited to the type of ATV. Choose from recreational, utility, heavy duty, sport, and more types of ATV insurance in Ontario today.

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RV Insurance

Recreational vehicles (RVs) like motorhomes and trailers are popular choices for people looking to travel in the comfort of their own vehicles.

Choose from a selection of insurance ratings, including fifth-wheel trailers, travel trailers, tent trailers, and more. Get RV insurance in Ontario and start your roadtrip today.

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Commercial Auto Insurance

If you own a business, a personal auto insurance policy may not suffice. Get appropriate coverage to protect you, your business and your employees.

From retail and wholesale delivery to long-haul trucking and fleet ratings, we can help you to develop the best commercial auto insurance program for your business needs.

Learn More

Personal Auto Insurance Videos

Frequently Asked Questions About Personal Auto Insurance

Why is personal auto insurance important in Canada?

Personal auto insurance is important because it protects you if you accidentally cause damage to other vehicles or property, or if you injure other drivers, passengers, or pedestrians.

Personal auto insurance is also required by law across Canada. As a driver in Ontario, you are legally responsible for being insured against your liability. You should always carry a copy of your auto or car insurance policy in your vehicle.

What type of personal auto insurance do I need in Ontario?

Every driver in Ontario is legally required to carry a minimum amount of personal auto insurance to cover his or her liability. Read this article for more information on the legal requirements for drivers in Ontario.

Even if you carry the minimum amount, you may need more coverage to appropriately protect yourself and your vehicle. There are many types of coverage available for personal car insurance, including liability coverage, collision coverage, comprehensive coverage, accident benefits, transportation replacement, and more. To find out what coverage or optional rating is right for you, contact our team of auto insurance experts today.

In addition, if you have a specific type of vehicle like an antique or classic car, you may want to purchase specialized car insurance to cover the specific needs of your vehicle. The same is true of motorcycles and other recreational vehicles.

Here are a few of the specific insurance products that we offer for different types of vehicles:

How much coverage for personal auto insurance do I need in Ontario?

In Ontario, the mandatory auto coverage is $200,000 for third-party liability and weekly income replacement benefits of 70% of your gross income (up to $400/week). For more information on mandatory and optional coverage for auto policies, you can read on our blog on auto legislation changes in Ontario.

Although carrying the mandatory coverage is important for drivers in Ontario, this basic coverage may not be sufficient to properly protect you and your vehicle. For example, we will often recommend that you increase your liability coverage of $200,000 to $1 million or $2 million to cover the possibility of catastrophic injuries.

The best way to find out how much personal auto insurance you need is to contact our insurance team for a consultation. Our specialists will take the time to gain a complete picture of your lifestyle and your auto insurance needs, so we can match you with the right plan.

Personal Auto Insurance Blogs