Car Insurance

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 1.844.929.4768 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.