Help & Support - Glossary

The Passenger Share option is designed for drivers who use their own vehicles to carry paying passengers, such as carpooling for a fee, or for carrying passengers as part of their employment, such as a social worker taking a client to an appointment. This does NOT apply to drivers carrying passengers for for-profit ride-sharing usage, such as Uber.*

*Not applicable in Quebec.

If your claim is covered by more than one policy, this means you only pay one deductible*. 

*Not available in Quebec. 

No-Fault Insurance means you deal with your own insurance company for a claim, regardless of who is at fault for the accident. This means you can be reimbursed without waiting for legal responsibility to be decided for most types of injuries.

Fault is still assigned, even though we use the term no-fault insurance. Insurance companies estimate the degree of fault assigned to each driver as it affects premiums. In Nova Scotia, New Brunswick, Ontario, and PEI, this is based on fault charts or rules, to help keep decisions fair and consistent.*

*Not applicable in Quebec.

Insurance fraud is a crime and describes any act committed with the intent to obtain a fraudulent outcome from an insurance process.

Your insurance liability card (in Canada, also called "a pink slip") serves as your proof of Third Party Liability Coverage.

An insurance policy is a legal document issued to the insured setting out the terms of the contract of insurance.

This optional coverage protects you from underinsured motorists. If you or a member of your family is injured or killed by a motorist and there is a shortfall in their coverage, this extra coverage pays an additional amount sufficient to cover the injury sustained.*

*Not applicable in Quebec.

The policyholder is the person (or persons) whose risk of financial loss from an insured peril is protected by the policy.