Accident Benefits
Accident Benefits coverage provides for you and your family if you are injured or killed in an automobile accident. Accident Benefits provide income replacement for persons who have lost income as well as payments to non-earners who are not able to carry on a normal life; payment of care expenses to persons who can no longer act as a primary caregiver for a member of their household; payment of medical, rehabilitation and attendant care expenses; payment of funeral expenses and payments to survivors of a person who is killed.
Uninsured Motorist Coverage (Ontario, Alberta, NWT and Yukon)
Provides coverage for you if you are in an accident with an at-fault, uninsured driver who is identified at the scene of the accident.
Family Protection (No. 44)
Family Protection Coverage provides coverage for you and your family from the actions of an at-fault, underinsured driver. If you are travelling in a province or a state where the mandatory liability coverage is low, Family Protection coverage ensures that you and your family are covered if you are injured in an accident up to your own policy's limits regardless of the other person's coverage levels.
Alberta - 43R Limited Waiver of Depreciation
Has your car been written-off in an accident within the first 24 months of the original delivery date? In the event of a total loss to the automobile the Insurer shall pay the Insured the lesser of the actual purchase price of the automobile and its equipment including taxes at the original date of purchase or the manufacturer's suggested list price of the automobile and its equipment including taxes at the original date of purchase.
Grand Touring SolutionR *
For one very affordable premium, you can increase your automobile coverage by adding Grand Touring SolutionR, which features 4 practical advantages, as follows:
Grand Touring SolutionR waives your deductible, up to $500, in case of a hit-and-run, as long as you have reported the accident to the police within 24 hours. This also applies if your vehicle is declared a complete loss.
With Grand Touring SolutionR, borrowed cars driven by dependent children are covered.
Grand Touring SolutionR extends coverage to collision damages to rented or borrowed vehicles, up to $50,000.
Finally, Grand Touring SolutionR allows for the reimbursement of leasing fees, up to $5,000, for a replacement car of the same type as your own if damage to the latter requires extended repairs; moreover, (Quebec only) unforeseen travel expenses related to meals, accommodation and transportation are insured for up to $500
Collision Coverage
Collision coverage protects your vehicle if it is damaged in an accident. This coverage is optional because it is not required by law in all provinces. The cost of insuring some older vehicles for collision could be higher than the value of the vehicle itself - that's the main reason why some people choose not to purchase Collision coverage.
Leased or financed vehicles
If your car is financed, most banks or leasing companies require that you purchase both collision and comprehensive coverage for your vehicle. Please check whether this condition is required in your financing agreement contract.
New cars
If your car is less than 2 years old, we will not want to insure you without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.
Comprehensive Coverage
Comprehensive coverage protects your car against risks that are not covered by Collision coverage. This would include falling or flying objects, missiles, vandalism and theft.
Leased or financed vehicles
If your car is financed, most banks or leasing companies require that you purchase both collision and comprehensive coverage for your vehicle. Please check whether this condition is required in your financing agreement contract.
New cars
If your car is less than 2 years old, we will not want to insure you without comprehensive and collision coverage. This is because the value of your vehicle is still fairly high and you'd stand to lose a lot of money if you did not have accident or theft coverage.
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