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If you have an accident and the other driver is uninsured, this gives you coverage. It covers injuries, death, damage to your vehicle that the other vehicle is responsible for.*
*Not applicable in Quebec.
What is mandatory minimum coverage?
All provinces in Canada require that all motorists carry vehicle insurance. Mandatory minimum coverages describe insurance coverage that is required by law and varies from province to province.
What is All Perils?
All Perils covers your vehicle by combining Collision Coverage and Comprehensive Coverage with a common deductible. It also covers your vehicle for theft by a member of your household.
What is Comprehensive Coverage?
Comprehensive Coverage covers your vehicle against loss or damage caused by such things as fire, theft, vandalism, falling or flying objects, glass breakage, or damage to your vehicle incurred while it is being transported. It does not include loss or damage 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.
What is Accident Benefits Coverage?
Accident Benefits Coverage describes benefits that are available if you are injured in an accident, no matter who caused the accident. It includes income replacement; medical and rehabilitation expenses; attendant care costs; death and funeral expenses; benefits for non-earners, including students; and caregiver expenses. It is a standard inclusion in your policy when you purchase Third Party Liability Coverage.*
*Coverage may vary in Quebec. Please contact us at 1.833.223.8740 if you have questions about services offered in Quebec.
What is Optional Increased Accident Benefits?
Optional Increased Accident Benefits offer increased limits and extra benefits that are additional to the basic limits and options offered in mandatory insurance coverage.*
*Coverage not available in Quebec.
What is Accident Forgiveness?
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.
Glossary