Car Rental Across Ontario Insurance Replacement or Direct
We've Got You.
Fast, reliable accident replacement rentals across Canada. Same-day pickup, insurance-approved, zero hassle.
Happy Customers
Support
/7
Cars Available
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Cities in Canada
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How It Works
Book your car in 4 simple steps
Choose Your Car
Browse our fleet and pick the vehicle that suits your needs
Book Online
Fill in your details and confirm your booking instantly
We Verify Insurance
We coordinate directly with your insurance provider
Drive Away
Pick up your car same-day and get back on the road
OUR RENTAL FLEETPick a Car. Pay by the
Pick a Car. Pay by the
Day, Week or Month.
Every rental includes full insurance, roadside assistance, and a freshly detailed cabin. Winter tires Nov–Apr.
All Vehicles
Sedans
SUVs
Minivans
🍁 Serving all of Ontario, Canada — Same-day pickup, insurance-approved, zero hassle.
Where We Operate
Serving All of Ontario
From the GTA to surrounding regions — Relay Auto Rentals is here wherever you are in Ontario.
Toronto
Mississauga
Brampton
Oakville
Hamilton
Vaughan
Markham
Richmond Hill
Ontario-Wide Coverage
Don't see your city? Call us — we may still be able to serve your area or arrange a convenient pickup point for you.
Back on the Road. Today
Your accident shouldn’t stop your life. Relay delivers a replacement car to your door within 60 minutes — fully covered by your insurance.
Same-Day Delivery
Replacement car at your door within 60 minutes of claim approval
Zero Out-of-Pocket
We bill your insurer directly — no deposit, no upfront cost
Insurance Coordination
We handle all paperwork and communicate with your provider directly
Like-for-Like Vehicle
Get a matching replacement — sedan for sedan, SUV for SUV
What Our Customers Say
Ryan Carter
1 week ago
★★★★★
After my accident, Ontario Car Rental had a replacement car at my door within the hour. Zero paperwork stress — they handled everything with my insurer directly!
Emily Watson
2 weeks ago
★★★★★
Needed a direct rental for a week. Best rates I found online, car was ready on arrival, and no hidden fees at all. Ontario Car Rental is now my go-to!
Connor Walsh
1 week ago
★★★★★
Rented a car for a long weekend trip to Niagara. Super easy booking, spotless vehicle, and pickup took less than 5 minutes. Best rental experience in Ontario by far!
Brittany Foster
2 weeks ago
★★★★★
Insurance replacement was seamless. They worked directly with my provider and I didn't pay a single dollar. Got a like-for-like car the same day. Truly outstanding!
Derek Chambers
1 week ago
★★★★★
Used Ontario Car Rental for a business trip to Toronto. Booked online the night before, car was ready at 8am. Fuel efficient and comfortable. Highly recommended!
Samantha Reid
2 weeks ago
★★★★★
Rented an SUV for a family road trip. Spacious, clean, and very comfortable. Transparent pricing with no surprise charges at checkout. Amazing experience overall!
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Mark Sullivan
1 month ago
★★★★★
Filed an insurance claim Monday morning and had a replacement SUV by the afternoon. Ontario Car Rental billed my insurer directly. Zero out-of-pocket costs. Fantastic!
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Jordan Pierce
2 weeks ago
★★★★★
Booked last minute for a weekend getaway and they had a car ready within hours. Affordable rates, no hidden charges, and the vehicle was immaculate. 10/10!
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Greg Thibodeau
1 month ago
★★★★★
Rented a car for 10 days for a cross-province road trip. Ontario Car Rental gave me the best rate I found online. Reliable and comfortable the whole trip. Highly satisfied!
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Stephanie Lavoie
2 weeks ago
★★★★★
Needed an insurance replacement vehicle after a collision. Got a matching sedan within 60 minutes. Everything was handled for me. Truly outstanding service from Ontario Car Rental!
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Travis Holloway
3 weeks ago
★★★★★
Direct rental experience was top notch. Car was ready on time, super clean, and the price was very fair. Drop-off was quick and easy. My go-to rental company now!
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Chloe Okafor
1 month ago
★★★★★
Flew in from Vancouver and needed a rental for a week. Ontario Car Rental had the best deal. Car was clean, reliable, great mileage. Made my trip so much easier!
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William Fraser
2 weeks ago
★★★★★
Rented a minivan for a family vacation for a week. Very spacious and well maintained. Great pricing and a super smooth experience from booking to drop-off. Five stars!
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Rachel Simmons
3 weeks ago
★★★★★
My insurer directed me here after my accident and I'm so glad they did. Ontario Car Rental handled all paperwork and I was back on the road the same day. No stress at all!
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Ethan Whitmore
1 month ago
★★★★★
Rented directly for a corporate event. Quick, professional, and the car was spotless and ready on time. Our whole team was impressed. Ontario Car Rental is our go-to now!
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Vanessa Dupont
2 weeks ago
★★★★★
Rented a compact car for 3 days at a very fair price. Excellent condition, fuel efficient, and staff was warm and professional throughout. Amazing local company!
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Liam Bouchard
3 weeks ago
★★★★★
Used Ontario Car Rental twice now — once for a direct rental and once for insurance replacement. Both times were flawless. Honest pricing, clean cars, and great team. Highly recommend!
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Patricia Nowak
1 month ago
★★★★★
My car was in the shop for two weeks. Ontario Car Rental gave me a great rate for a long term rental. Car was comfortable and reliable every single day. Will absolutely use again!
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Dylan Mackenzie
2 weeks ago
★★★★★
Came from the US for a week and needed a reliable rental. Ontario Car Rental delivered — great pricing, clean car, and the staff was incredibly helpful. Would definitely book again!
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Karen Sutherland
3 weeks ago
★★★★★
Absolutely love this company! Used them for both a direct rental and an insurance claim replacement. Both experiences were perfect. Honest, fast, and professional every single time!
Google rating score: 5.0 of 4.8, based on reviews
FREQUENTLY ASKED QUESTIONS
Everything You Need to Know Before Renting
Have questions about renting a vehicle in Ontario? We’ve answered the most common questions to help make your booking experience simple and stress-free.
Insurance Car Rental
Claims & Billing
Rental & Coverage
How Does the Insurance Claim Process Work?
Our team guides you through every step of the insurance claim process. We work directly with your insurance company to arrange a replacement vehicle, and in most cases we provide direct billing — meaning you won't need to pay out of pocket or wait to be reimbursed.
What Types of Rentals Do You Offer?
We offer a wide range of vehicles including economy sedans, family SUVs, sports cars, exotic vehicles, and minivans. Whether you need a daily, weekly, or monthly rental, we have flexible options to suit your situation.
Do You Provide Pick-Up and Drop-Off Services?
Yes! We offer same-day pick-up and drop-off services across Ontario. Simply let us know your location and preferred time, and we'll arrange delivery of your replacement vehicle directly to you.
What Kind of Coverage Can I Expect?
All our rental vehicles come with full insurance coverage, roadside assistance, and a freshly detailed cabin. Winter tires are included from November through April at no extra cost.
Should I File an Auto Insurance Claim or Not?
If the accident was not your fault or the repair costs exceed your deductible, filing a claim is usually the right move. Our team can advise you on the best course of action based on your specific situation and policy.
How Long Do You Have to File a Claim After a Car Accident?
In Ontario, you are required to notify your insurance company as soon as reasonably possible after an accident — typically within 7 days. The sooner you file, the smoother the process. Contact us right away and we'll help you get started.
What Happens If You Don't Report a Car Accident?
Failing to report an accident to your insurer can result in denial of your claim and potential policy cancellation. It's always best to report the incident promptly, even if the damage appears minor.
Is It Better to File Through My Insurance or the Other Driver's?
If the other driver was at fault, filing through their insurance avoids affecting your own premiums. However, if fault is disputed or their insurer is uncooperative, filing through your own policy may be faster. We can help you navigate both options.
Is It Possible to File an Auto Insurance Claim Without a Police Report?
Yes, in many cases you can file a claim without a police report, especially for minor accidents. However, a police report strengthens your claim significantly. We recommend obtaining one whenever possible.
What Happens After the Claim is Filed?
Once your claim is filed, your insurer assigns an adjuster who assesses the damage. We coordinate directly with the adjuster to ensure your replacement vehicle is approved and delivered as quickly as possible — often the same day.
Do All Accident-Related Claims Affect Auto Insurance?
Not always. In Ontario, if you are not at fault and the other driver is identified, your premiums typically won't be affected. Your insurance broker can clarify how a specific claim may impact your policy.
Why Do Car Insurance Claims Go to Court?
Claims go to court when there is a dispute over fault, the settlement amount, or coverage eligibility. This is more common in serious accidents involving injuries. Having thorough documentation from the start helps protect your interests.
Disagreeing with Your Insurance Company About Benefits?
If you disagree with your insurer's decision, you have the right to dispute it. You can request an internal review, contact the General Insurance OmbudService (GIO), or seek legal advice. Document everything and act promptly within any deadlines.