The Dominion Car Insurance Canada: 2025 Review & Verdict
Our expert's review on The Dominion
The Dominion, now operating as Travelers Canada, offers a well-regarded and diverse range of specialized insurance formulas for private cars, classic and antique vehicles, motorhomes, and recreational vehicles. Reimbursement is subject to standard policy limits and deductibles, with the unique Chieftain program in Ontario offering an innovative monthly premium review instead of a fixed prevention budget.
Positioned against its competitors, The Dominion is a competitive national provider (outside Quebec) whose strengths lie in its specialized vehicle coverage and attractive pricing when bundling policies. This insurance is particularly well-suited for owners of classic or recreational vehicles, retirees in Ontario, and students living away from home, thanks to targeted discounts.
Backed by the major insurer Travelers Canada, the company demonstrates strong reliability, holding a “Great” rating from over 1,800 reviews on LowestRates.ca, with claims management generally viewed as positive and reimbursements processed within standard industry timeframes.
- ✅Specialized coverage for classic and antique cars
- ✅Insurance for motorhomes and recreational vehicles
- ✅Discounts for bundling, retirees, and students
- ✅Positive reviews for price and agent professionalism
- ✅Broad national presence outside of Quebec
- ✅24/7 hotline for claims
- ✅Unique monthly premium review program in Ontario
- ❌No personal insurance coverage in Quebec
- ❌No mobile app for policy management
- ❌Assistance services are mostly optional add-ons
- ❌Requires working through a broker
- ❌Lack of direct digital management tools
Score- ✅Specialized coverage for classic and antique cars
- ✅Insurance for motorhomes and recreational vehicles
- ✅Discounts for bundling, retirees, and students
- ✅Positive reviews for price and agent professionalism
- ✅Broad national presence outside of Quebec
- ✅24/7 hotline for claims
- ✅Unique monthly premium review program in Ontario
Our expert's review on The Dominion
- ✅Specialized coverage for classic and antique cars
- ✅Insurance for motorhomes and recreational vehicles
- ✅Discounts for bundling, retirees, and students
- ✅Positive reviews for price and agent professionalism
- ✅Broad national presence outside of Quebec
- ✅24/7 hotline for claims
- ✅Unique monthly premium review program in Ontario
- ❌No personal insurance coverage in Quebec
- ❌No mobile app for policy management
- ❌Assistance services are mostly optional add-ons
- ❌Requires working through a broker
- ❌Lack of direct digital management tools
Score- ✅Specialized coverage for classic and antique cars
- ✅Insurance for motorhomes and recreational vehicles
- ✅Discounts for bundling, retirees, and students
- ✅Positive reviews for price and agent professionalism
- ✅Broad national presence outside of Quebec
- ✅24/7 hotline for claims
- ✅Unique monthly premium review program in Ontario
Positioned against its competitors, The Dominion is a competitive national provider (outside Quebec) whose strengths lie in its specialized vehicle coverage and attractive pricing when bundling policies. This insurance is particularly well-suited for owners of classic or recreational vehicles, retirees in Ontario, and students living away from home, thanks to targeted discounts.
Backed by the major insurer Travelers Canada, the company demonstrates strong reliability, holding a “Great” rating from over 1,800 reviews on LowestRates.ca, with claims management generally viewed as positive and reimbursements processed within standard industry timeframes.
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The Guarantees of The Dominion Car Insurance
The Dominion, now part of Travelers Canada, offers several auto insurance solutions including private passenger, classic, and antique car coverage, as well as protection for recreational vehicles, with a strong emphasis on standard legal requirements such as third-party liability, accident benefits, DCPD, collision, and comprehensive insurance.
Standout features include optional legal protection, personal effects coverage, and flexible bundling discounts for home and auto policies, while market-specific options like Chieftain Insurance in Ontario deliver simplified administration and monthly premium reviews.
Limits and deductibles are not detailed online but are expected to align with Canadian industry norms, generally providing up to $2 million liability and collision/comprehensive deductibles in the $500–$1,000 range.
Claim service is provided by Travelers Canada with 24/7 assistance, and customer feedback frequently highlights transparency, savings through discounts, and professional support even though no direct mobile management tool exists.
Some coverage details for ancillary risks—like towing, replacement vehicles, and legal assistance—are available as options or depend on the package, so broker consultation is advisable for a tailored plan.
| Warranty name | The Dominion |
|---|---|
| Formula positioning | Private passenger, classic, antique, RV, à la carte |
| Type of cover | Third-party, collision, comprehensive, legal, personal |
| Reimbursement rate (% of damages covered) | Up to policy limits minus deductible |
| Annual reimbursement ceiling (maximum amount reimbursed per year) | NC |
| Policy excess (per claim and/or annually) | $500–$1,000 typical; NC for specific plans |
| Waiting period (before certain guarantees take effect) | NC |
| Minimum/maximum age for subscription | NC |
| Prior risk assessment (medical questionnaire, telematics, driving history) | Driving history and claims impact price |
| Payment facilities (monthly, quarterly, annual payments) | Monthly, annual, online or through brokers |
| Advance payment of claim-related costs | Claims paid after assessment; shops may be paid directly |
| Compensation at purchase value/agreed value/replacement value | Actual cash value; agreed value for classic/antique cars |
| Third-party liability (bodily injury and property damage to others) | Up to $2M standard, higher limits optional |
| Own vehicle damage (collision, regardless of fault) | ✅ Standard or optional, minus deductible |
| Theft of vehicle (partial or total) | ✅ Standard or optional, minus deductible |
| Fire (accidental or criminal) | ✅ Standard or optional, minus deductible |
| Broken glass (windscreen, windows, sunroof) | ✅ Covered with comprehensive, deductible applies |
| Natural disasters (hail, flood, storm, etc.) | ✅ Comprehensive covers listed perils |
| Acts of vandalism | ✅ Comprehensive or specified perils cover |
| All-risks damage (accidents of any cause, including at-fault) | ✅ With optional all-perils extension |
| Driver personal injury cover (death, disability, medical expenses) | ✅ Accident benefits coverage |
| Passenger injury cover | ✅ Accident benefits coverage |
| Criminal defence and recourse (basic legal aid after an accident) | Optional legal protection module available |
| Extended legal protection (for disputes beyond accidents, e.g. purchase, repairs) | Optional with legal module |
| Vehicle accessories and modifications (including electric vehicle batteries and cables) | Covered if declared; limits may apply |
| Personal belongings inside the vehicle (excluding cash and documents) | Optional add-on; not standard |
| Child equipment (seats, pushchairs) | NC |
| Replacement vehicle (during repairs or after total loss) | Optional, if selected (not standard) |
| Towing and roadside assistance (including out-of-charge recovery for EVs) | Optional add-on; not always included |
| Use abroad (compliance with minimum local cover; optional full cover abroad) | Canada/US standard; outside NC |
| Vehicle use for professional/business purposes (where applicable) | ✅ If properly declared and rated |
| Driving other vehicles (third-party only or comprehensive, depending on the insurer) | Optional module; check with broker |
| Trailer or caravan towing cover | Covered for personal-use trailers; limits may apply |
*NC = Not communicated in public documentation. Consult a broker for detailed limits and optional module availability.*
Good to know
Online quoting is available via Travelers Canada and brokers, and additional savings can be realized through discount bundling for home and auto or with programs like Chieftain Insurance in Ontario. No dedicated app exists for policy management or claims, but strong agent support and 24/7 claims assistance compensate.
Car insurance exclusions
The Dominion’s car insurance exclusions broadly align with Canadian market norms, focusing on the fundamental risk categories. Like most competitors, The Dominion will not cover claims resulting from use of the vehicle for illegal activities, commercial purposes (unless explicitly stated), or participation in racing or speed contests.
Coverage is also systematically denied for unlicensed drivers, intentional or fraudulent acts, and damages resulting from wear and tear or mechanical failure, which mirrors standard industry practice.
Notably, policyholders should pay particular attention to the limitations surrounding self-employed and recreational vehicle use unless specifically endorsed, as these scenarios are more tightly regulated than with some specialist providers. Any deviation from personal use, or intentional breach of the law, sharply limits coverage and is standardly excluded.
| Exclusions | Details |
|---|---|
| Exclusions linked to the use of the vehicle | Illegal or criminal use of vehicleCommercial use (unless specifically covered)Participation in racing or speed tests |
| Exclusions linked to the driver | Use by unlicensed driversUse by drivers under the influence of alcohol or drugsIntentional or fraudulent acts |
| Technical exclusions | Mechanical breakdown and wear and tearN.C. |
| Geographical exclusions | N.C. |
| Contractual exclusions | N.C. |
The cost of The Dominion car insurance
The Dominion sits in a mid-range price position in the Canadian market, offering broad standard coverage and options such as comprehensive, legal, and personal belongings insurance, but without the rock-bottom rates of digital pure players. Its premiums tend to be higher than those of the most economical, digital-first insurers, reflecting its stronger in-person broker support and solid claims handling reputation.
Deductibles and coverage ceilings are aligned with national averages, ensuring reasonable out-of-pocket costs for most claims, though premiums may increase for younger drivers or higher-risk profiles. Discount options for bundles, retirees, and clean records help make coverage more cost-effective for some, but the lack of a direct digital platform leads to higher administrative costs compared to newer competitors.
The Dominion’s main strengths are its reliability and breadth of coverage, but those seeking the absolute lowest rates may find better options with digital-only insurers.
| Basic formula | Standard formula | Enhanced formula | |
|---|---|---|---|
| Young driver (18-24 years old, compact vehicle) | $235/month | $282/month | $328/month |
| Standard driver (35-45 years, intermediate vehicle) | $129/month | $156/month | $181/month |
| Senior driver (60-70 years, city car) | $96/month | $116/month | $135/month |
| Driver with an at-fault claim within 3 years | $192/month | $242/month | $273/month |
| New SUV driver | $143/month | $175/month | $200/month |
| Driver with more than 25,000km/year | $163/month | $201/month | $228/month |
Compare car insurance quotes to make sure you find the most competitive price for your profile:
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| Promotional codes The Dominion | Details |
|---|---|
| HelloSafe | -5% on your quote |
Note: promotional codes are subject to change. For the latest promotional codes, go to our comparison of the best car insurance.
How much will I be reimbursed with The Dominion?
| Name of claim or service | Average cost (CA$) | The Dominion Comprehensive | The Dominion Liability Only |
|---|---|---|---|
| Replacement after theft | 18,000 | Up to actual cash value (excluding excess) Out-of-pocket: deductible applies | ❌ |
| Repair after an at-fault accident | 5,000 | Up to actual cash value (excluding excess) Out-of-pocket: deductible applies | ❌ |
| Windshield repair/replacement | 700 | Up to actual cash value (excluding excess) Out-of-pocket: deductible (may be waived for repairs) | ❌ |
| Vandalism repair | 2,500 | Up to actual cash value (excluding excess) Out-of-pocket: deductible applies | ❌ |
| Fire damage repair | 9,000 | Up to actual cash value (excluding excess) Out-of-pocket: deductible applies | ❌ |
Out-of-pocket: deductible applies
Out-of-pocket: deductible applies
Out-of-pocket: deductible (may be waived for repairs)
Out-of-pocket: deductible applies
Out-of-pocket: deductible applies
The Dominion car insurance assistance
The Dominion’s assistance for car insurance policyholders lacks information on core services such as 24/7 roadside help, 0 km assistance, or even standard towing, with no explicit mention of included or optional assistance features in public documentation.
Replacement vehicle, emergency accommodation, and trip continuation coverage are not detailed, which can be limiting for drivers who rely on support after breakdowns or covered accidents.
Assistance abroad, vehicle repatriation, and specialized services for electric vehicles or pets are also not communicated, suggesting a very basic assistance offer, if any.
The only explicit point related to support is the claims line, available 24/7, but this is focused on claims administration, not practical incident assistance.
The absence of communication around lock/key, battery, misfuelling, and legal services further highlights notable omissions in added-value assistance.
Customer Feedback on The Dominion Car Insurance
We have analyzed the reviews on the above-mentioned sites. As positive points, policyholders who have taken out an auto policy with The Dominion often cite:
- The clarity of policy documents and transparency in coverage explanations.
- The helpfulness and professionalism of brokers and agents, which make the purchase and support process simple.
- The bundling discounts, particularly for those insuring both home and auto, are frequently highlighted.
- Claims service quality is regularly rated as reliable, with many satisfied customers reporting ease of submission and communication.
As negative points:
- The absence of a dedicated mobile application or full-featured digital platform for managing policies and claims is viewed as a drawback.
- Some clients note that direct digital interaction is limited compared to newer insurers.
- There are occasional comments about difficulty reaching support during peak periods.
- Some customers mention that not all assistance coverages are included by default and may require add-ons or upgrades.
How to contact The Dominion?
| Customer service The Dominion | Contact information |
|---|---|
| To obtain a quote or take out a policy online | You can use the HelloSafe car insurance comparison tool, choose the option that suits you best and click to obtain a quote. For direct quotes, contact a Travelers Canada broker or visit https://www.travelerscanada.ca/. |
| To report a claim | Call 1-800-661-5522 (available 24/7) or contact your broker. For written correspondence, mail to Travelers Canada, 165 University Ave, Toronto, ON M5H 3B9, or email inquiries@travelers.com. Claims are handled by Travelers Canada. |
| To request and track a refund | Call 416-362-7231 or e-mail inquiries@travelers.com. After cancellation or overpayment, request your refund by submitting a written request along with proof of payment and your policy number. Refunds are usually processed by cheque or direct deposit within a few weeks after confirmation. |
| To obtain an insurance certificate | Contact your Travelers Canada broker directly, call 416-362-7231, or send an email to inquiries@travelers.com with your request and policy details. Documents may be mailed to Travelers Canada, 165 University Ave, Toronto, ON M5H 3B9. Insurance certificates are typically sent by mail or email within a standard processing period. |
| To contact assistance | For roadside or emergency assistance, call 1-800-661-5522 (24/7), specify that you are insured with The Dominion (Travelers Canada), and provide your policy number. If your policy includes enhanced assistance, your broker can confirm available services. |
| To cancel my contract | Contact your broker or call 416-362-7231 or email inquiries@travelers.com. You must submit a written cancellation request including your policy number and signature. The standard notice period is 30 days prior to the effective date. If moving or switching insurers, attach proof of new coverage or relocation. Mail documents to Travelers Canada, 165 University Ave, Toronto, ON M5H 3B9. Refunds, if any, are processed after cancellation confirmation. |
FAQ
Do I have to pay in advance for repairs or assistance with The Dominion?
If you use a Travelers Canada (The Dominion) preferred repair partner, payment is often made directly to the garage, so you generally pay only the deductible up front. For non-preferred shops or if you arrange repairs independently, you may need to pay first and seek reimbursement. Confirm with your claims advisor before proceeding with any repairs or services.
How do I cancel my car insurance contract with The Dominion?
To cancel your car insurance with The Dominion, provide a written request and your policy details to your broker or Travelers Canada with at least 30 days’ notice; documentation such as proof of new coverage may be required. Upon confirmation, any eligible refund for unused premium will be processed by cheque or direct deposit.
What types of vehicles does The Dominion cover?
Coverage is available for private passenger vehicles, classic and antique cars, motorhomes, ATVs, snowmobiles, and personal-use utility and camper trailers. Business-use and commercial vehicles are not included unless specified in your policy. Always check the policy documents or consult your advisor to verify eligibility for your specific vehicle.
Are any discounts available on The Dominion car insurance?
Yes, discounts are available for bundling car and home insurance, completing driver training, maintaining a clean driving record, being a retiree (in Ontario), or having students away from home. The discounts you qualify for depend on your profile and province. Ask your broker or a Travelers Canada advisor to help maximize your savings.
How do I file a claim and what documents do I need?
To file a claim, contact Travelers Canada at 1-800-661-5522 any time or notify your broker as soon as possible after an incident. Be prepared to provide your policy number, details of the event, police report (if applicable), and any photos or estimates for repairs. You will be guided through next steps and documentation requirements by a claims representative.
Does The Dominion car insurance include emergency roadside assistance?
Emergency roadside assistance is not automatically included, but may be available as an optional add-on depending on your policy. Covered services can include towing, battery boosts, flat tire service, and more. Check with your broker or advisor to see if you have this coverage and for details on how to access assistance if needed.
Do I have to pay in advance for repairs or assistance with The Dominion?
If you use a Travelers Canada (The Dominion) preferred repair partner, payment is often made directly to the garage, so you generally pay only the deductible up front. For non-preferred shops or if you arrange repairs independently, you may need to pay first and seek reimbursement. Confirm with your claims advisor before proceeding with any repairs or services.
How do I cancel my car insurance contract with The Dominion?
To cancel your car insurance with The Dominion, provide a written request and your policy details to your broker or Travelers Canada with at least 30 days’ notice; documentation such as proof of new coverage may be required. Upon confirmation, any eligible refund for unused premium will be processed by cheque or direct deposit.
What types of vehicles does The Dominion cover?
Coverage is available for private passenger vehicles, classic and antique cars, motorhomes, ATVs, snowmobiles, and personal-use utility and camper trailers. Business-use and commercial vehicles are not included unless specified in your policy. Always check the policy documents or consult your advisor to verify eligibility for your specific vehicle.
Are any discounts available on The Dominion car insurance?
Yes, discounts are available for bundling car and home insurance, completing driver training, maintaining a clean driving record, being a retiree (in Ontario), or having students away from home. The discounts you qualify for depend on your profile and province. Ask your broker or a Travelers Canada advisor to help maximize your savings.
How do I file a claim and what documents do I need?
To file a claim, contact Travelers Canada at 1-800-661-5522 any time or notify your broker as soon as possible after an incident. Be prepared to provide your policy number, details of the event, police report (if applicable), and any photos or estimates for repairs. You will be guided through next steps and documentation requirements by a claims representative.
Does The Dominion car insurance include emergency roadside assistance?
Emergency roadside assistance is not automatically included, but may be available as an optional add-on depending on your policy. Covered services can include towing, battery boosts, flat tire service, and more. Check with your broker or advisor to see if you have this coverage and for details on how to access assistance if needed.
