Collision Coverage

Give yourself peace of mind and avoid costly out-of-pocket expenses for repairs.

When you get in your vehicle to go to work, the cottage, a friend’s house, or to visit family, you don’t anticipate getting into a collision. Unfortunately, there are over 300,000 collisions a year on Canadian roadways — more than 820 per day! That’s a lot of costly collisions that no one intended on getting into when they got in their vehicle.

While driving with insurance is the law in all provinces across Canada, the types of coverages you can choose vary widely. This is why we recommend that our clients look at adding collision coverage to their policy. In the event of a collision — regardless of whether or not you’re at fault — this coverage ensures that damages are taken care of and you’re not paying large sums of money out-of-pocket.

What is Collision Coverage Insurance?

Collision insurance is an optional automobile coverage that you can add to an existing insurance policy. Collision insurance is valuable because, if your car came into contact with another vehicle or object (light post, curb, garage door, etc.) and was damaged, the cost to repair or replace your vehicle would be taken care of, less your deductible. This type of coverage applies to at-fault collisions, so you can have peace of mind knowing that, if you make a mistake while driving that causes damage to you or someone else’s vehicle, you are protected. Collision coverage also covers hit and run scenarios, so you can rest assured that you are covered even if the other driver leaves the scene of the accident.

Do I Need Collision Coverage For My Vehicle?

When deciding whether or not to add collision coverage to your auto insurance policy, consider three factors:

  1. The value of your vehicle
  2. Your deductible amount
  3. Your financial situation

If your vehicle isn’t worth a lot, it doesn’t make sense to purchase collision coverage because what you pay in coverage may end up being more than the car is worth. For example, if you have a $1000 deductible on a car that’s only worth $1000, collision coverage wouldn’t benefit you.

However, if your vehicle would be expensive to repair or replace, collision coverage is highly recommended so you won’t have to pay for the damages out-of-pocket.

The Jeffery & Spence team are true professionals who are dedicated to making sure you have an awesome experience. Working with their team has been great and I would highly recommend them to anyone! 10/10 - keep up the great work Jeffery & Spence.read more
Ryan Vielma
Ryan Vielma
21:03 15 Feb 19
My family and I have been insured through Jeffery and Spence for 14 years, and we will all always be loyal clients to this wonderful brokerage.read more
Ashlean Richardson
Ashlean Richardson
17:50 27 Nov 18
Have been with them for ages and wouldn't hesitate to recommend them to anyone. I have also gladly referred friends to them and they have taken good care of them as well!read more
Jason Shaw
Jason Shaw
20:38 02 Jan 18
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Ali SIDO
Ali SIDO
03:57 11 Feb 19
unbelievable service, literally saved a client of mine from a major catastrophe, highly recommend. Kyla was amazing
Andra Arnold
Andra Arnold
17:19 18 Apr 19
Excellent Customer service and communications, staff here makes me feel like part of the J&F family, highly recommend!
Rain Zhang
Rain Zhang
14:21 29 May 19
Excellent Customer service and communications, staff here makes me feel like part of the Jeffery&Spence family, highly recommend!read more
Rain Zhang
Rain Zhang
14:39 29 May 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Awesome service, friendly advice and get what you need fast. Been a customer for over 10 years now.
Brock Parker
Brock Parker
16:03 27 Jun 19
Ashlean made shopping for insurance so easy and stress free! From start to finish she was courteous and professional, listened to our needs and communicated with us every step of the way, all while finding us the best ratesread more
Chloe McKnight
Chloe McKnight
22:42 22 Jul 19
The Jeffery & Spence team is wonderful. They have insured my assets for over 4 years. When I switched over from my old provider they made it easy. They were honest and reliable. I started simply with a call out for car insurance. They were able to take a look at 5+ companies and make sure I had the proper coverage and at a great price. (They beat my old provider by $300). Slowly and surely as other asset insurance policies were coming to an end (home, business, additional vehicles) it only made sense to call over and get a quote. Additionally there is customer service like no other. I call in frequently for updates and questions and whether it’s the front desk or managers I have never felt like I was asking a stupid question. Jeffery & Spence is awesome and you owe it to yourself to just give them a call....even if your not from Guelph!read more
Corey Pavao
Corey Pavao
13:59 23 Oct 19
So over the moon happy with these guys. Specifically Dave. I was a first timer today, extremely nervous about taking another step toward “audulting” by getting my own auto insurance. And when I say nervous, I mean NERVOUS. Dave was MORE than helpful. His personality put me at ease, and the way he explained things made me go from feeling anxious to comfortable. Dave did more than help me get my own insurance. Dave made me feel like it was just a normal conversation between people. Where as other conversations have gone with other companies, I felt like a stupid kid in their 20s that didn’t know what they were doing. It’s comforting to know that now, in the future, when I need home insurance, etc. I know who to call. Thanks a million Dave.read more
Jaymee Indoe
Jaymee Indoe
18:55 21 Nov 19
Ashlean is so great to work with and she makes insurance easily accessible. I love all of the work they do in the community too. Check them out!!!read more
Heather Smart
Heather Smart
16:41 01 Dec 19
Awesome service! Jeffrey helped me find a solution for my insurance ASAP after I had such a poor experience with my previous insurer.read more
Jennifer A-M
Jennifer A-M
04:25 04 Dec 19
Expedient, professional and tailored to my needs. Highly recommend.
Annie Wong
Annie Wong
15:38 10 Dec 19
Met with Dave Jutzi and he was an absolute pleasure to work with! He created a plan to MY needs and MY budget! No pressure on me whatsoever and he really looked out for my best interest. If you're looking for extremely affordable auto and home insurance, DEFINITELY go see Dave!read more
Simon McGhee
Simon McGhee
16:38 21 Jan 20
My only regret was not calling them sooner. Ashlean Richardson went above and beyond for my company. I felt like they took me and my time very seriously and I appreciated that. Would highly recommend to my friends and family.read more
Kevin Wilkins
Kevin Wilkins
13:40 14 Apr 20
Ashlean was great to work with she was very helpful and prompt with all her responses; she was able to make a stressful situation go by very smoothlyread more
Haily Rice
Haily Rice
16:09 29 May 20
Been with Jeffery & Spence nearly 50 years and they have looked after all my insurance needs in a very professional manner. Hope to be with them another 50 years but at 83 y.o. that's not likely to happen.read more
Mario Bonifacio
Mario Bonifacio
13:18 19 Jul 21
Excellent company to work with! Geoff is professional, patient, and responded immediately to my needs.
Debbie Bianchi
Debbie Bianchi
12:26 21 Aug 21
Great service, quick response and best rates. Excellent job Jason DiReto 👏.
Asaad Yousiph
Asaad Yousiph
13:23 06 Jul 21
I wish I had found this broker earlier than I did. They make dealing with insurance such an easy and seamless experience. We are fortunate to work with Geoff; after every interaction with him, we always talk about how lucky we are to have him take care of our insurance needs. 5 stars all the way!read more
Luis Ribeiro
Luis Ribeiro
20:43 08 Oct 20

Other Types of Auto Insurance

You deserve an affordable auto insurance plan that protects you if you become injured, covers your car if it is damaged, and protects other people and property. Our brokers can connect you with affordable plans suited to your lifestyle. No matter which type of auto insurance you need, we’ll make sure you feel comfortable with sufficient coverage.

Accident Benefits

Covers medical needs and more if you are injured or killed in a car accident.

Comprehensive Coverage

Protects you against damages to your vehicle from problems other than car accidents, such as theft.

Liability Coverage

Protects you and your family in the event of a car accident. Covers damages to another person if an accident is your fault.

Uninsured/Underinsured Driver Protection

Protects you and your family if you are injured or killed by an uninsured or unidentified driver.

Contact the liability insurance experts at Jeffery & Spence today to discuss your coverage options.