Your Ride Deserves No Maybes

Competitive Pricing - from Basic to Best

Your coverages should be comprehensive and correlate to where you have risk. Let us remove your uncertainty – our expertise will provide you the best recommendation for your protection.

My Vehicle
What’s at Risk Our Recommended Best Protection

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

Accident Benefits

Enhanced Accident Benefits

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.

Physical Damage

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.

Family Protection

$2,000,000 Limit or More

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.

Rental Vehicles in the event of an Accident

Minimum of $1,500 per Vehicle, per Claim

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.

Rental Vehicle for Pleasure Purposes

Minimum Limit of $50,000

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.

Claims Protection

First At Fault Loss is Forgiven

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).

Additional Protection
Waiver of Depreciation for New vehicles (OPCF 43)

24 Months from Vehicle Purchase Date (When Available)

We all know that new vehicles depreciate in value as soon as they leave the lot. With OPCF43 on your new car's policy, you can ensure that you will receive the full cost of replacing your ride in the event of a total loss, with no depreciation being applied.

Minor Convictions Protection

First Ticket Does Not Affect Your Pricing

This coverage protects your pricing by forgiving your first minor conviction. Everyone makes mistakes and minor driving convictions such as speeding tickets will often cause your insurance premiums to increase. This coverage will help protect your pricing by forgiving your first minor conviction without having to pay more for your insurance.

Savings & Discounts
Winter Tires

Discount Varies by Company

It is a proven fact that putting winter tires on your vehicles will improve your responsiveness in winter driving conditions, and insurance companies agree. If you install winter tires from November to March, just let us know and you will get a discount!

Combined Insurance Policy Discount (Auto & Home)

Enhanced Discounts Available by Company

One of the easiest ways to save money on your insurance is to insure your home and 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!


Take control of your auto insurance with CAA MyPace, available through Northern Insurance Brokers.

Learn more about this excellent program.