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Auto Insurance

Peace of Mind When You’re Behind the Wheel

Whether you drive a classic car or a brand new set of wheels, we’ve got you covered. At Palladium Insurance, we help you choose the right coverage to protect your vehicle and your loved ones, shopping from a wide selection of insurance providers across the country.

We cover more than your car. We offer extensive coverage for your recreational vehicles too; motorhomes, motorcycles, four-wheelers, snowmobiles — on the road or off, we help protect you wherever you go.

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Helping Your Get the Right Coverage

Did you know that there are many different options when it comes to auto insurance? Some forms of coverage are mandatory, but there are additional coverage types that could mean a much better outcome in terms of compensation from unexpected situations.

The right coverage for your needs will depend on factors like your driving habits, your age, your vehicle, your province or territory of residence, and your concerns.

That’s why it’s important to get impartial advice from the experts at Palladium. We’ll help you make sure you’re covered the way you want to be.

Additional coverage options include insurance against situations like:

  • Fire
  • Theft or attempted theft
  • Natural disasters
  • Vandalism
  • Civil disturbances

More Ways to Protect Your Family in Case of an Accident

How to Save on Your Car Insurance

You can save on your automotive insurance if you:

  • Complete driver training.
  • Drive a “low risk” vehicle that is less likely to be involved in an accident or to get stolen.
  • Maintain a clean driving record (no driving convictions and no at-fault accidents).
  • Are a retired resident of Ontario or some other provinces.
  • Insure more than one car with Palladium.
  • Have a child with limited access to the insured automobile while attending school, college or university.
  • Insure both your home and car with Palladium Insurance.
  • Consider increasing the deductible if you can afford repairs to a higher threshold.

Don’t TXT and DRV —
Your Life May Depend on It

According to Transport Canada, distracted driving was a contributing factor in over one fifth — 21.7% — of all car accidents in 2019¹. This includes texting and other cell phone use, like programming a GPS.

Considering that 55% of Canadians admitted to operating devices while driving in a 2019 survey², it adds up to a chilling road hazard scenario.

Remember that driving is an important responsibility — when you’re behind the wheel, there are a lot of lives at stake.

Here are a few tips to help you avoid all forms of distracted driving:

  • Program your GPS before you pull away.
  • Don’t respond to texts or calls when you’re behind the wheel — even hands-free use can provide a distraction.
  • Don’t use your phone when stopped at a red light — other drivers could ram you if they’re paying attention to a light change and you’re not.
  • Make sure small children have everything they need before you start driving.
  • Stow everything securely, and if that bag of groceries falls over while you’re in transit, leave it until you arrive.
  • Avoid eating, grooming, and looking at your passengers when talking to them.

No phone call is as important as arriving alive.

In Case of a Traffic Accident

  1. Attend to the injured. Call Emergency Services:
  2. Do not admit liability.
  3. Record details of the accident, witnesses and other parties.
    Download Accident Details Sheet
  4. Have your vehicle towed if you cannot drive it.
  5. Report the accident to our office.

For after hours emergency care contact the insurance company directly. Your insurance company’s name is on the top of your pink insurance card.

List of Insurance Company Phone Numbers

Find a Broker to Advise You

Emergency Car Kit

Being stuck in your vehicle for long periods of time during any season can be unnerving. Assembling a kit of emergency preparedness materials can keep you safer when you’re stranded or waiting for emergency services.

We suggest you keep the following items in a water-tight bin in your vehicle.

  • Water in plastic bottles that won’t break if they freeze
  • First aid kit
  • Non-perishable food, such as energy bars
  • Blanket
  • Crank or battery operated flashlight, with extra batteries
  • Road maps
  • Road flares
  • Candles in a deep can and matches
  • Work gloves
  • Windshield washer fluid
  • Jumper cables or a battery pack
  • Sand, salt or kitty litter
  • Shovel, ice scraper and de-icer (methyl hydrate)
  • Whistle, in case you need to attract attention

You should also keep a seatbelt cutter, a safety window hammer, and a flashlight close to the driver’s seat, not in the trunk. These are tools you may need to use to escape from the vehicle.