Help & Support - Glossary

Accident Forgiveness protects your driving record with Scotia Home & Auto Insurance after your first at-fault accident. Your driving record is one of the factors that helps determine your premium.

We have a few different products including Enhanced Accident Forgiveness, Preferred Accident Forgiveness, and Accident Rating Waiver. Please connect with us to discuss your protection options.*

*Not applicable in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec.

Loss of Use Coverage provides you with a replacement vehicle or reimburses you for your transportation costs, while your vehicle is being repaired or replaced after being damaged by an insured peril.

Also known as rental vehicle coverage. This option extends your policy coverage when you rent a vehicle in Canada or the US. Avoid the need to purchase insurance from the car rental agency. Some limits apply.

For customers renting a vehicle once a year or more frequently, this can equal significant savings.

Collision Coverage covers damage to your vehicle caused by collision with another vehicle or object, upset of the vehicle, or in the event of a hit-and-run. This is optional coverage and is subject to a deductible.

A driving record abstract may refer to one of several documents requested by your insurance company:*

• Motor Vehicle Report or Abstract: This lists your class of driver's licence, convictions or suspensions, and sometimes the date of when you first obtained your licence. The information provided in this report varies by province
• Auto Plus Report: This report is a complete picture of an automobile insurance policy and claims history
• Driver's licence history: In Ontario, this report provides a detailed driver's history including proof of successful completion of a Ministry-approved driver's training course
• Statements from government insurers

*Requirements and documents may vary in Quebec.

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.

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.

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