Ontario Automobile Policy

The Ontario Automobile Police (OAP) is the automobile insurance policy in Ontario. The Ontario Government writes it, regulates it, and makes every Ontario based insurance company use it. It's the insurance policy every private and commercial vehicle operated in Ontario uses.

There are two things you need to know when using an insurance policy. What happened in the accident, and what is covered.

We broke down the most common questions in the menu in the left side menu. Each page is a chart. Each row is a common question. Each column is a coverage. Click on the sticky note and details appear on the right side menu.

We hope we helped you understand auto insurance in Ontario. We're constantly getting feedback and making improvements. If you want to help us out, we'd love to hear what you think. You can email us at