We can tailor your car insurance policy to meet your lifestyle, vehicle, and driving needs.
Standard coverage for your car:
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:
When you hit another vehicle or object the policy will cover your car repair expenses.
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.
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.
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.