Vehicle

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. To be safe, we often recommend higher limits in order to keep yourself protected and account for unpredictable situations.

Accident Benefits provide compensation if you or others are hurt or killed in an automobile accident. Your Accident Benefits will pay for expenses not covered by standard Provincial healthcare. This can include treatment, income replacement, and more.

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.

Have you ever wondered what exactly happens if you or your family are involved in an accident and the responsible party does not have enough coverage for injuries sustained by you or your family. Unfortunately, not everyone has the proper liability and 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.

This coverage, also known as OPCF20, will provide you with a rental vehicle in the event that yours is damaged in an accident. As long as the claim is covered by your policy, OPCF20 lets you stay on the road while your repairs are being completed.

Also known as OPCF 27, this coverage extends your policy to cover rental vehicles in Canada and the US so you don't have to purchase the expensive insurance option from the rental company.

With claims protection in place, your rates and driving record will not change following your first at-fault accident. This coverage is available if you have not had an at-fault accident in the past six years (for most insurance companies).