AUTO INSURANCE

• Provides coverage when the automobile is involved in a collision with another object, such as another vehicle or object.

Provides coverage for losses not caused by a collision, such as falling or flying objects, fire, theft, vandalism, windstorm, hail, etc.

Sometimes referred to as Accident Forgiveness, this is an optional coverage which allows an eligible Principal Operator to maintain their driving record after one at-fault accident as a result of the ownership, use, or operation of a vehicle.

This is an optional endorsement which allows an eligible Principal Operator protection against their first (oldest) minor conviction in the preceding three (3) years resulting from the ownership, use, or operation of a vehicle. The minor conviction will be ignored for rating and eligibility.

Standard Accident Benefits are included in every Auto Insurance Policy in Ontario. You can purchase increased optional Accident Benefits coverage to better suit your needs. For example, you can increase your income replacement limit from the standard limit of $400 per week to $600, $800, or $1000 per week.

These forms waive depreciation from the necessary repair or replacement of parts having prior unrepaired damage if the Insured/Lessee is the original Owner/Lessee of the automobile and the loss or damage occurs within three (3) Years (36 months) of the original delivery date for private passenger classes and commercial classes. If the eligible period ends during the term of the policy, the coverage will continue until the expiry date of that policy period.