We can tailor your car insurance policy to meet your lifestyle, vehicle, and driving needs.

Standard coverage for your car

Liability

Coverage for when you are in an accident and are legally liable for the death or injury of other people. It will also cover any damage to their vehicle.

Accident Benefits

Compensation for medical care or expenses that you or your passengers require (e.g. medical rehabilitation, income replacement, or caregiver benefits). Talk to a broker to find out which accident benefits options are right for you.

Direct Compensation - Property Damage

Providing compensation for when your vehicle is damaged in an accident caused by a third party. Certain conditions apply. These claims are often are subject to no deductible.

Uninsured Automobile

Included to protect you and your family against injury or death by a hit-and-run or uninsured driver. This coverage may also protect you in situations where the at-fault party is driving without insurance of their own.

Extra coverages you can add on

Collision

When you hit another vehicle or object the policy will cover your car repair expenses.

Comprehensive

Protects your car against damage by something other than a collision (e.g. vandalism, fire, theft).

All Perils

Coverage that combines Comprehensive and Collision under one deductible. Some All Perils policies include added coverage (e.g. theft from a family member).

Temporary Vehicle Replacement

This coverage can keep you driving by getting you into a rental vehicle after an accident while your vehicle is being repaired or replaced. It’s included as a part of the Worry Free Bundle.

Insurance for Non-owned Vehicles

This endorsement provides coverage to repair or replace non-owned vehicles (e.g. rental cars). Many insurers offer this coverage so that you don’t need to take the rental car insurance at the counter.

Conviction Protector

A special endorsement that prevents you from paying more on your insurance renewal should you be guilty of a minor ticket (e.g. speeding). With this coverage on your policy, you’ll maintain your conviction-free discount even if you have one minor conviction.

Disappearing Deductible

You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.

Accident Protector

A special coverage for drivers who have earned perfect driving records. Should you be involved in an at-fault claim with this endorsement on your policy, you’ll keep the exact same driving record on your renewal. Included as a part of the Worry Free Bundle.

New Car Guarantee

Sometimes referred to as a Limited Waiver of Depreciation. Say you have just bought a brand new vehicle. A couple years later you’re in a collision and your car is a total loss. This coverage will replace your vehicle with the newest model, even if it’s more than the original price you paid.

Ride-Sharing

Are you covered if you provide ride-sharing services like Lyft or Uber? This endorsement ensures you are covered for part-time drivers who carry paying passengers.

Worry Free Bundle

Combines the Accident Protector, Disappearing Deductible, Temporary Vehicle Endorsement, and Insurance for Non-owned Vehicles endorsements at a reduced rate for great value.

Ways you can save on your insurance

We offer multiple discounts and endorsements that make our otherwise competitive insurance rates even more affordable.

  • Car and home discount
  • Winter tire discount
  • Out-of-town student discount
  • Green vehicle discount
  • Graduated licensing discount
  • Retiree discount
  • Multi-vehicle discount
  • Conviction-free discount
  • Claims-free discount

Do you have any questions? Give us a call at 1.800.461.0318 and we’ll help answer them.

Note: Coverage and discounts may vary by insurance provider and are subject to change. Optional coverage and discounts have special eligibility criteria to qualify. Talk to a broker to confirm coverage options and discounts that are right for your policy. Available only in Ontario.

 

 

 

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