If you declined coverage at the dealership, you can still obtain it through:
: To add a Waiver of Depreciation (the insurance company version of gap coverage in Ontario), you typically must be the original owner, and the vehicle must be within 24 to 48 months of its purchase date.
: You can generally buy coverage at any time as long as you are "upside down" on your loan (owing more than the car is worth). Buying Guide: Step-by-Step How to Cancel GAP Insurance - BrokerLink