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Insurance fraud is a crime and describes any act committed with the intent to obtain a fraudulent outcome from an insurance process.
What is meant by "Passenger Share"?
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.
What is a Driving Record Abstract?
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.
What is Collision Coverage?
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.
What is Liability for Damage to Non-Owned Automobile(s)?
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.
What is Loss of Use?
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.
What is Third Party Liability Coverage?
Third Party Liability Coverage provides protection to you if you are involved in an accident where you are deemed legally liable. It can cover damages to another person for injury or death as well as for damage to another person's vehicle or property.*
*Coverage names and benefits vary in Quebec.
What is meant by the term "premium"?
Your premium is the amount of money an insurance company charges for insurance coverage. Your premium can be paid as a lump sum or, more commonly, in installments during the duration of the policy.
Glossary