Help & Support - Auto Insurance

There are different types of insurance for different needs, and in some cases, for different provinces:

• Third Party Liability
• Accident Benefits
• Comprehensive
• Collision
• Direct Compensation-Property Damage
• Uninsured Automobile Coverage
• All Perils
• Specified Perils

You can also add additional "covers", depending on your needs.

If you were at fault in the accident, you will be personally responsible for the damage to your vehicle. This also applies if you are in an accident and don’t know who hit you.

In Alberta, Ontario, Newfoundland and Labrador, Nova Scotia, New Brunswick and Prince Edward Island you can claim from your own insurer, as long as you weren't at fault.*

*Not applicable in Quebec. Please contact us at 1.833.223.8743 if you have questions about making a claim in Quebec.

Generally they aren't enough. Why? Here are some facts to consider:

• In most provinces, the mandatory minimum Third Party Liability coverage is $200,000. You would be responsible for any damages above that amount. Many courts are awarding a million dollars or more in Canada
• Most provinces don't require you to insure for damage to your vehicle. But can you afford to pay for significant damage if you're in an accident? If you've taken a loan or if you lease your car, you're still responsible for making the payments, even if your car is written off.
• In Newfoundland and Labrador, you don't have to have Accident Benefits coverage. But the financial consequences of an injury can be much more than your provincial health care will cover and you won't have income loss protection either.

When you buy a brand new car, your automobile may depreciate quickly. A waiver of depreciation (depreciation waiver) means you may be compensated up to what you paid for your automobile, as opposed to its depreciated value, when settling a claim for loss of damage caused by a peril you are insured against.

Please contact us to add this coverage to your policy.

Part of our service is providing somebody to help you every step of the way. It's important that you let us know right away if you hear from a person also involved in an accident or their insurers or other representatives.

Accident Benefits provides compensation if you, your passengers, or pedestrians are hurt or killed in a car accident. Who is at fault doesn't make a difference to the coverage.*

Accident Benefits are compulsory in all provinces except Newfoundland and Labrador, and Quebec.

What's covered?
While details vary among provinces, Accident Benefits covers:

• Medical and rehabilitation services
• Funeral expenses
• Loss of income from disability
• Death benefits

In Ontario, Accident Benefits also provides:

• Caregiver benefits
• Non-earner benefits
• Other expenses, like education costs, housekeeping and maintenance

In Ontario you can purchase additional Accident Benefits.

Whose policy applies if you are a passenger?

In Ontario, if you have automobile insurance, you would claim these benefits from your own insurer, whether you were injured in your own vehicle or someone else's. If you don't have insurance, you would claim from the policy for the vehicle you were riding in.

*Not applicable in Quebec. Bodily injuries caused by an accident are covered by the Socitété d’Assurance Automobile du Quebec. Please contact us at 1.833.223.8740 if you have questions about coverage in Quebec.

Items that are attached to your vehicle or that you use to operate your vehicle are covered. Other items in the car may be covered by your home insurance.

This covers loss or damage of your vehicle. It often goes hand in hand with Collision coverage as an alternate to Comprehensive cover but, it can be purchased separately.

Specified Perils covers the cost of damage from:

• Fire
• Theft or attempted theft
• Lightning
• Windstorm
• Hail
• Rising water
• Earthquake
• Explosion
• Riot or civil commotion
• Falling or forced landing of an aircraft (or its parts)
• Damage during transport on land or water (e.g. sinking of a ship, derailment of a train, burning or collision of a truck carrying the vehicle) 

Glass breakage and vandalism aren't covered. Comprehensive coverage helps in those cases.

This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may not permit Specified Perils and may insist that Comprehensive cover is required. You should check with your financial institution to determine what is acceptable to them.