Features, benefits, and coverages.

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If your insurance requirements are unusual, high risk or even unique, we have access to insurance solutions that you will not find available elsewhere.

Find the right coverage for your lifestyle.

Whether you’re a high risk driver, a homeowner, a tenant, or own a condo, we’ll help you find the right insurance coverages that correspond to your needs. Learn more about what options for protection are available below.

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Comprehensive coverage

Pays for losses for certain perils, such as falling or flying objects, and vandalism.

Accident Benefits

Benefits that you or other insured persons may receive if injured or killed in an auto accident. The benefits may include: income replacement; medical, rehabilitation and attendant care; funeral and death expenses. Optional accident benefits are also available above the standard accident benefits in your auto policy.

All Perils coverage

This combines Collision or Upset and Comprehensive coverages. In addition, it covers loss or damage caused if a person who lives in your home steals the vehicle that is covered by your insurance policy. It also covers you if an employee who drives or uses, services or repairs your vehicle, steals it.

Caregiver Benefit

If you are providing full-time care to dependants and can no longer provide that care as the result of a catastrophic injury suffered in an auto accident, you may be eligible for caregiver benefits to reimburse you for your expenses to hire someone to care for your dependants.

Attendant Care Benefit

Pays for expenses incurred for an aide or attendant to look after you if you have been seriously injured in an auto accident.

Collision or Upset coverage

Pays for losses caused when your vehicle is involved in a collision with another object, including another vehicle, or rolls over.

Catastrophic injury

Is a serious and life-threatening injury, with the full definition set out in regulation. It may involve the loss of use of limbs or complete loss of eyesight as well as other injuries as defined in regulation. In Ontario there is a higher level of benefits available when the injury is catastrophic. If you suffer an injury in an accident, you can apply and be assessed for a determination of whether your injury qualifies as “catastrophic”.

Direct Compensation-Property Damage (DC-PD)

Covers damage to your vehicle or its contents if another person was at fault for the accident. It is called direct compensation because even though someone else causes the damage, you collect directly from your own insurer. The accident must also occur in Ontario and both drivers must be insured by an insurance company licensed in the province.

Medical and Rehabilitation Benefit

Covers the cost of reasonable and necessary medical and rehabilitation expenses (e.g., physiotherapy, prescriptions) that are not covered by OHIP or your disability insurance plan but which are listed in the Statutory Accident benefits schedule. Other expenses not listed might be covered if they are agreed by the insurer and are seen as essential to your recovery.

Death and Funeral Benefit

If you die as a result of an auto accident, the death benefit provides a lump sum payout to your spouse and your dependants; the funeral benefit provides a lump sum payout to cover the cost of your funeral expenses.

Family Protection Coverage (OPCF 44R)

Covers you for the difference between the at-fault driver’s Third Party Liability limit and your own Third Party Liability limit if someone with less liability coverage than you injures you in an accident.

Housekeeping and Home Maintenance expenses

If you are unable to perform your usual duties due to a catastrophic injury, this benefit pays for reasonable and necessary additional expenses for someone to complete your usual duties.

Income Replacement Benefit

If you cannot work as the result of an auto accident, you may be eligible for basic weekly income replacement benefits of up to $400. This benefit commences after one week.

Indexation Benefit

The automatic adjustment of the income replacement benefit, non-earner benefit, attendant care benefit or medical and rehabilitation benefit according to the Consumer Price Index for Canada to compensate for inflation.

Dependant Care Benefit

Pays for additional expenses incurred to care for your dependants if you are employed and are injured in an auto accident and not receiving the Caregiver Benefit.

Specified Perils coverage

Covers damage to your vehicle caused by one of the following perils: fire; theft or attempted theft; lightning, windstorm, hail or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of an aircraft or parts of an aircraft; or the standing, sinking, burning, derailment or collision of any kind of transport in, or upon which, an insured vehicle is being carried on land or water.

Third Party Liability

This section of your automobile insurance policy protects you if someone else is killed or injured, or their property is damaged. It will pay for claims as a result of lawsuits against you up to the limit of your coverage, and will pay the costs of settling the claims. By law you must carry a minimum of $200,000 in Third-Party Liability coverage but options exist to increase the minimum amount.

Tort Deductible

The amount that is deducted from a settlement or court award for pain and suffering.

Uninsured Automobile coverage

Protects you and your family if you are injured or killed by a hit-and-run driver or by an uninsured motorist. It also covers damage to your vehicle caused by an identified uninsured driver.

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Frequently Asked Questions.

Car Insurance is a safety net to protect you and your family’s financial well-being in the case of an accident, collision or an unexpected loss. It is a legal arrangement that guarantees financial support in the event of a covered accident or incident.

The cost of car insurance will depend on the type of cover you hold. (for example: Third Party Property, Third Party Fire & Theft or Comprehensive), It will also depend on how risky you are to insure, meaning premiums can vary.

When using our online quoting system, we ask you specific questions to help you find coverage that suits your individual needs and budget.

Details that impact your premiums include:

  • Your claims history
  • Where you live
  • Where your car is parked (for example: in a locked garage or on the street)
  • Your driving history (and the driving history of other drivers listed).

‘Extras’ are inclusions or perks that are bundled into your car insurance policies. Some of these extras or  ‘benefits’ are:

  • Hire car cover. Your insurer may provide you with a hire car when your vehicle is being repaired or replaced.
  • Roadside assistance. Your insurer may cover the cost of roadside assistance.
  • Replacement keys. Your insurance provider may cover the cost to replace your keys if you were to lose them.
  • Windscreen cover. Your insurer may cover the cost of repairs or replacement, including cracks to your windscreen.
  • Personal effects cover. Your insurer may cover the cost to replace your valuables in your car (up to a certain value).

Deductible is the amount you’ll pay your insurer when you make a claim on your policy. This deductible is agreed upon when you first purchase the policy. When you make a claim, you will pay this amount, while your insurer will pay the rest of your repair/replacement costs up to the agreed amount on your policy. Most drivers have a $500 deductible. In Ontario, the standard deductible offered by insurance companies is $500 for collision and $300 for comprehensive.

There are different types of car deductibles:

  • Standard deductible. This is paid out of pocket when you make a claim.
  • Voluntary deductibles. This is paid in addition to your other deductibles charges, sometimes for a cheaper premium.

If you are not-at-fault in a collision or an accident, you may not be required to pay the deductible. However, there is an exception to this rule. When the at-fault party is not identified, for example, say you’re involved in a hit and run and the guilty party is not found or identified, you may still be required to pay the deductible.

You can choose various levels of coverage, depending on how much protection you want for your car insurance:

  • Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
  • “Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
  • All Perils protection combines both of the above coverages.
  • Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.

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