All vehicle types are legally required to have automotive insurance in Ontario. So it follows that everyone who owns a truck needs to have pickup truck insurance. With pickup truck popularity surging in 2020 and 2021, pickup truck insurance is increasing quickly as well. Did you know that out of every four vehicles sold in Canada during the first quarter of 2021, one was a pickup truck (24.6% to be exact)? If you have personal-use pickup trucks, the question isn't why you need a pickup truck insurance policy, it's what type of policy is best suited for your needs. Having insurance on your truck can help save you from paying expenses out-of-pocket in the event of a loss or accident.

Insurance brokers will guide you through the process of getting auto insurance to protect your lifestyle, and to save you the financial difficulty of paying for repairs out-of-pocket. Discuss your needs with your dedicated Morison Insurance broker. They will help you find the best insurance providers in Canada. Our insurance brokers work with several insurance companies, so we're able to provide you with many pickup truck insurance quotes. That way, you can choose the coverage that best meets your needs and your budget.

Personal truck insurance is coverage for pickup trucks used for personal use. Pickup truck insurance, just like personal auto insurance, provides financial protection against physical damage, bodily injury, and liability should you suffer from a loss to your truck. There are additional coverages available to you such as increased liability, collision and comprehensive coverage, accident forgiveness, roadside assistance, and rental car coverage.

It's important to note that personal pickup truck insurance is different from insuring a commercial vehicle. If you have questions about commercial auto insurance, be sure to speak with one of our licensed brokers today.

Pickup truck insurance protects you and your truck financially. It provides liability coverage, accident benefits coverage and direct compensation property damage coverage and uninsured automobile coverage if you're involved in an accident. There are options to increase coverages and purchase additional optional coverages. Without pickup truck insurance, you may be fined, or your pick-up truck may be impounded for not having insurance.

Different insurance companies offer different discounts. However, it's helpful to know more about what discounts are available to you. We've outlined a few of the most common discounts below—however, it's always best to speak to your dedicated Morison Insurance broker to learn more.

• Multi-vehicle discount. Does your household have more than one vehicle? Then you may be eligible for a multi-vehicle discount. Talk to your Morison Insurance broker today about what he or she can do for you if you insure multiple vehicles with the same insurer.
• Claims-free discount. Have you never made an insurance claim? Many insurance agencies offer claims-free discounts for drivers who have never had to use their insurance. If that sounds like you, ask your Morison Insurance broker about claims-free discounts today.
• Safe driver discount. Whether you take advantage of your vehicle's advanced safety systems or are a tried-and-true safe driver, there may be discounts available to you from your insurer. Often, drivers that have not been in any accidents have no tickets or driving infractions and are proven to be safe drivers are eligible for discounts. Naturally, the more driving experience you have, it's likely the better driver you will be.
• Bundled home and auto insurance discounts. Did you know that by bundling your home and auto insurance, you can save on your annual premium? This is a great way to cut costs while still having the best insurance for your needs. If you haven't bundled your home and auto insurance, get a jump on it as soon as possible.

Pickup truck insurance is mandatory in Ontario. Mandatory coverages include third-party liability, direct compensation property damage coverage, accident benefits, and uninsured motorist coverage (you can read more about these different coverages below). Driving without insurance on your vehicle may cost you up to $50,000 in fines, and result in license suspensions and vehicle impoundment. It's simply not worth the risk to drive without insurance. Particularly as every time you're on the road, you are also responsible for the safety of those sharing the road—including other drivers and pedestrians.

No, personal truck insurance is different from insuring a commercial vehicle. If you use your vehicle for business purposes, it's essential that you tell your insurance broker right away. Separate commercial auto insurance is required.

As extensive as your Ontario pickup truck insurance policy can be, there are a few exclusions that drivers should know about. An expert pickup truck insurance provider will ensure that you and your truck are properly protected in the event of a claim.

Pickup truck insurance does not cover:

• Fraudulent claims. Any criminal activity will not be covered by your insurance provider, including fraudulent claims or intentional damage caused to your vehicle by someone listed on the insurance policy. Insurers are in the business of protecting you from unforeseen events and accidents, so naturally, any intentional damage or fraudulent claims will not be tolerated.
• Condition breaches. It's important to read your policy carefully with your Morison Insurance broker. If your pickup truck is damaged while engaging in activities that are in violation of your policy conditions, you will not be able to make an insurance claim. This can include participating in illegal activities like street racing or illicit trade or transportation
• Using your personal vehicle for commercial purposes. If you operate a business from home and use your truck for said business, such as working as a handyman or contractor, then you need to disclose this to your insurance provider. Commercial pickup trucks need to be insured differently than those that are only used for personal purposes. The reason for this is that a commercial driver is exposed to different risks than a personal driver.
• A collision that was caused by something specifically listed as an exclusion on your policy. Again, it's integral that you are familiar with your unique insurance policy. Different auto insurance companies will have different exclusions included in your policy. You won't be able to make a claim for anything that's not included as a named peril.
• Allowing an excluded driver to drive your pickup truck. Many drivers share a vehicle with others. Perhaps your teenager is learning to drive and you added him or her to the policy. Or maybe you're a one-vehicle household. Be sure to let your insurance agents know who else is allowed to drive your vehicle—and who is not. Any excluded drivers will not be covered by your pickup truck insurance policy.
• Any additional accessories or modifications to the vehicle that are not stock and were not disclosed on the application. As time goes on you may want to make modifications or add luxury features to your truck. This is absolutely fine, as long as you let your insurance broker know. Certain modifications may increase the value of your truck, in turn, increasing the cost of pickup truck insurance.

Accident forgiveness protects your premium from increasing after your first at-fault accident. It is recommended for drivers wanting rate stability.

A Limited Waiver of Depreciation protects your new truck's purchase price for the first 24–36 months. If the truck is stolen or written off, you are compensated at the purchase price rather than actual cash value. Particularly valuable for high-value or new truck owners