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If your insurance doesn’t properly protect you, then what are you really paying for?
At NIB, we recommend comprehensive protection that’s tailored to your unique way of life. And in the unfortunate event of a claim, we’re here to advocate on your behalf and ensure your protection responds the way it should.
Below is an overview of the standard coverages we recommend for all of our clients – contact our team today for a personalized solution built around your unique needs.
$2,000,000 Limit or More
Third-party liability insurance covers you in the event that you need to make a claim for legal expenses for damages to others as the result of an accident. Knowing how much liability you need can be difficult to predict, especially with a collectable car. To be safe, we often recommend higher limits in order to keep yourself protected and account for unpredictable situations.
Enhanced Accident Benefits
Accident Benefits provide compensation if you or others are hurt or killed in an accident. Your Accident Benefits will pay for expenses not covered by standard Provincial healthcare. This can include treatment, income replacement, and more.
All Perils, or Combination of Collision & Comprehensive, $500 Deductible
All Perils Protection, or a combination of both Collision and Comprehensive coverage, provides the widest range of protection available. With All Perils Protection, you'll be covered for everything that could happen to your vehicle, unless it is specifically excluded from your policy.
$2,000,000 Limit or More
Unfortunately, not everyone is covered with the proper limits of liability. So what happens if the responsible person in the accident doesn't have enough coverage for injuries caused to you or your family? Thankfully this is where Family Protection (OPCF44) comes in. If the unthinkable happens and the responsible party does not have enough coverage, your policy will provide coverage up to your own policy limit.
Cherished Salvage Protection
With this protection in place, you will be able to keep what is left of your vehicle if it is totally damaged in an accident, rather than the insurer taking control of the salvage from a total loss.
Valued Limit Protection (OPCF19A)
No one knows the true value of your collector car more than you do. This coverage will make sure that you will receive the proper appraised value of your vehicle in the event of a claim.
We will look for the best solution, whether adding to your existing policy or placing you with a company that specializes in collector car insurance.
One of the easiest ways to save money on your insurance is to insure all your vehicles with the same company. Not only does this earn you a discount, but many of our providers also add increased protection and other perks when you combine your policies. Plus, with the same renewal date, all of your insurance needs can be reviewed at the same time each year!