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car insurance essentials

Liability Insurance

Protects you if you injure someone else or damage their property because of your negligence.

Accident Benefits

Provides benefits if you are injured in an accident anywhere in Canada and the United States regardless of who’s at fault.

Learn more about the importance of Accident Benefits.

Uninsured Auto

Protects you if you are injured or your vehicle is damaged by an uninsured motorist or a hit-and-run driver.

Direct Compensation Property Damage (DCPD)

When you’re not at fault in an accident with another vehicle, your own insurer will pay for damage to your vehicle and its contents.

Important car insurance extras

Collision

When you’re at fault in an accident, or single vehicle accident, your own insurer will pay for damage to your vehicle and its contents.

Comprehensive

This coverage pays for damage caused by certain events other than an accident. Examples include hail, flood, theft, fire, vandalism, or glass breakage.

All Perils

This coverage is collision and comprehensive combined with the same deductible. Also covers theft of vehicle by someone in the household.

Optional Increased Accident Benefits

Increases basic benefits for income replacement, medical or rehabilitation, and caregiver coverage. These are very important coverages that all drivers should consider.

Keep in Mind

While these coverages are not mandatory, if you owe money on your vehicle, your lienholder or lessor may require you to have collision, comprehensive, or all perils coverage to protect their interest in the vehicle.

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Family Protection

The OPCF 44 endorsement covers you, or an eligible family member, to the same limit as your Liability Coverage if you are involved in an accident where you are not at fault, with someone who carries less or no insurance, or is unidentified (e.g. a hit and run)

Loss of Use

The OPCF 20 endorsement covers the cost of a temporary rental vehicle if your vehicle is not drivable after a claim for which you are covered.

Liability for Damage to Non-Owned Automobile

The OPCF 27 endorsement provides physical damage coverage (subject to a deductible) to vehicles that you may operate but do not own – such as a vehicle you have rented or borrowed.

Waiver of Depreciation

The OPCF 43 endorsement stops depreciation from being deducted from the value of your vehicle when settling a claim.

Claims Foregiveness

Protect your claims history. Your first claim is treated as if it never happened. You will keep your claims-free history as long as you stay with your current insurance company.

Minor Conviction Protection

Protect your good driving record. By having your first minor conviction forgiven, you will not lose your Conviction Free Discount as long as you stay with your current insurance company.

Your Other Vehicles

Your ATVs, motorcycles, and snowmobiles have many of the same coverage options as your automobile. Talk to your broker about insuring your recreational vehicles.

Fill in the form and one of our brokers will contact you soon.

Car Insurance

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