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Auto Insurance

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Auto insurance with Surex

With auto insurance, the lowest price isn’t always the most important thing. 

We will give you multiple price options from multiple carriers to make sure you get a fair price. But just as important, we make sure that you get great service. Your Surex Insurance Advisor will be there for you every step of the way to make sure you get the coverage that fits your life best.

At Surex we will make you feel like you got that first-class seat upgrade, minus the warm towels.

Comparing rates from Canada’s leading Auto insurance providers
Types of coverage we provide
Accident Forgiveness
This allows one 'free' at-fault accident, meaning your rates will not increase on your first accident if you remain with the same company.
Car Rental Coverage
You can have your car insurance coverage extend to protect you while driving a rental vehicle up to a certain limit.
Comprehensive Coverage
Subject to a deductible typically covers fire, hail, theft, collision with an animal, vandalism and falling objects among others.
Collision Coverage
Provides coverage to repair/replace your car if it's damaged in an at-fault accident, hit and run or with an uninsured driver.
Depreciation Coverage
In the event of a "Total Loss" this coverage will protect you from depreciation. You’ll be entitled to the original price you paid/current sale price.
Family protection
Protects you or a family member if injured or killed in an accident caused by an uninsured/under-insured motorist.
Third Party Liability Coverage
When deemed legally responsible, provides coverage for injuries or damage caused by you to third parties and their property.
Windshield Coverage
Windows are included in comprehensive however, you have the option to remove this coverage in order to lower your premium. *AB it is not included
Online auto insurance in Canada

There are three types of automobile coverages available in Canada. They are:

Collision car insurance:

If you and another car - or any stationary object - were to collide, financial compensation would be provided to cover the cost of the vehicle repair.

Comprehensive car insurance:

Unexpected things happen to your car. Comprehensive car insurance provides peace of mind for those moments. Things such as hitting an animal, fire, theft, vandalism, flood, etc. are covered under this policy.


Liability car insurance is required, by law, for all drivers. Liability insurance protects others from damages you cause while driving a vehicle. This covers a variety of losses including property damage, bodily injury and death. The price is based on you, the driver, so all vehicles you drive will have the same liability insurance rate. This is the cheapest form of auto insurance, which means it has the lowest coverage.

Get your personalized offer today.

An insurance premium is an amount one pays per month (or agreed upon term) for an auto insurance policy on their vehicle. An insurance deductible is the amount of money the insured party is required to pay - out of pocket - before their insurance company will step in and cover damages.

The amount on your policy can vary. A higher deductible usually means a lower premium (per month cost for your car insurance policy). It is essential to make sure you can reasonably afford your auto insurance deductible. In the case of an accident, if you cannot pay your deductible, your insurance company will not be able to help with your overall costs.

Surex offers a comprehensive list of discounts to get you cheap auto insurance.

Discounts include:

  • Bundle discount
  • Group discount
  • Credit discount
  • Experienced driver discount
  • Short commute discount
  • Mature citizen discount
  • Hybrid vehicle discount
  • Anti-theft discount
  • Loyalty discount
  • Renewal discount
  • Claims-free discount
  • New business discount
  • Flex discount
  • Student discount
  • Occupation discount
  • Multi-vehicle discount

Most companies have a 24/7 line to contact (check your insurance card for phone number). You can also call or email your Surex Advisor directly to submit a claim.

You will need:

  1. Time of the accident.
  2. Date of accident.
  3. Location of accident.
  4. Description of the accident.
  5. Photos of accident (if possible).
  6. Police report (if possible).

Every client deserves personal service, our Advisors know that providing cheap, discount rates leads to long-term clients. From your quote to inquiries about your policy to processing claims, you will deal with the same broker.

It is important to know that in the unfortunate case of an accident or insurance claim against you, we will compare our insurance company partners to make sure your new auto rate is the cheapest we can offer. This is in contrast to dealing with other direct insurance sources (such as banks, co-ops or agents) that may have conflicting interests when it comes to your new insurance rate.

Get your personalized offer today from someone on our team! 

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Have questions? We’ve got answers

99% of the time, yes, you’ll need full coverage on a leased or financed vehicle.

Full coverage covers the replacement/fix cost associated with your vehicle when you’re in an at-fault accident. If you’re leasing or financing your vehicle, you technically don’t own it until you’ve completed all your leasing or financing payments. Because of this, the overwhelming majority of leased or financed vehicle will require full coverage.

In short, yes. But vehicle age isn’t the only factor. Insurance providers look at the make and model your vehicle — in addition to your driving history, your demographic, the likelihood of your vehicle being stolen, the cost to repair or replace it, your neighbourhood crime rate, and more — in order to determine the likelihood of you making a claim. The less likely they feel you are to make a claim, the lower your auto insurance rates will be, and vice versa.

In order to secure auto insurance in Canada, drivers need to produce a number of documents, including a valid driver’s license, proof of driver’s education training (if completed), vehicle registration, license plate number, your driving history, current auto insurance policy information, details of all drivers who will use the vehicle, and payment information (credit card, void cheque, banking information). 

It is recommended that you speak with an Insurance Advisor 30-60 days before renewal of your auto insurance policy so you can compare rates to get the cheapest rate.

We compare prices to provide cheap insurance for ATV, motorhomes, trailers, boats, etc. Check online or contact your Surex Advisor for a quote.

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