Help & Support - Auto Insurance

Yes, we do but some restrictions apply. A basic ATV insurance policy typically covers:

• Third Party Liability Coverage 
• Statutory Accident Benefits Coverage (in most provinces)
• Uninsured Automobile Coverage *
• Direct Compensation - Property Damage (DC-PD) Coverage (in most provinces)

If you have any specific questions about ATV insurance, your Specialist will be happy to answer them.

*Not available 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.

We can help with that. Contact us at 1.833.223.8740.

We can help with that. Just call 1.833.223.8743. Service Specialists are available 24/7 every day of the year and will help if they can.

If you'd like to make changes to the drivers on your car insurance policy, you can contact us by phone. Please reference your policy number for quicker service and have ready; the new driver's licence number, driving history, full name, date of birth and the year they were licensed.

There may be payments to you, your passenger(s), or a pedestrian or cyclist who is involved in an accident. There are two types of payments:

• "Special damages"- These payments cover expenses like medical, ambulance, hospital or funeral bills, as well as lost wages. These are expenses that can be proven with documents. 
• "General damages"- These damages are for pain and suffering. They compensate for future disability and expenses, pain and inconvenience, reduced life expectancy and reduced or loss of capacity for future earnings. These damages are only available through lawsuits. Many provinces don't allow these lawsuits or limit them to specific situations.*

*Not applicable in Quebec. Bodily injuries caused by an accident are covered by the Socitété d’Assurance Automobile du Quebec. Please contact us at 1.833.223.8741 if you have questions about coverage in Quebec.

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.

It depends on the situation. Your Claims Adjuster can help answer this question.