Car Insurance

BASIC COVERAGE

Liability

If by owning or operating your vehicle you cause damage or physical injury to others, this insurance compensates the person who’s suffered the injury or property damage.

Uninsured Auto

Protects you if you are hurt or killed by an uninsured or hit & run driver. Your vehicle damage and contents may also be covered.

Accident Benefits

If you or a passenger are injured or killed in an accident, this coverage provides medical benefits regardless of who caused the accident. This is not standard in NL, and if you are in Ontario you can choose additional optional Accident Benefits.

Direct Compensation Property Damage

This covers damages to your vehicle and its contents, as well as loss of use costs in an accident where another driver was at fault. The amount of the payment decreases based on the degree you were at fault in the accident.

OPTIONAL COVERAGES

In addition to the basic coverages offered with every car insurance policy, you choose from a wide range of optional coverages below to suit your needs.

Comprehensive

If your car is damaged other than in a collision (by hail, fire, theft or vandalism), this may help pay for repairs.

Collision

This covers repairs to your vehicle after a collision that you are responsible for.

All Perils

All Perils gives you Comprehensive and Collision, plus it covers theft by a person who lives in your house or by an employee who drives the vehicle.

Rental Vehicle

If you have collision and comprehensive on your policy, you can add rental vehicle coverage for any car rental you make in Canada and the U.S. for your personal use. That way, you’re insured by an insurer you know, before you go.

Loss of Use / Transportation Replacement

Being without your car is inconvenient and stressful. This helps solve that problem, by helping to pay the cost of transportation while your vehicle is having repairs done which are covered by your policy.

Roadside Assistance

When you’re stranded by the roadside, who can you call? With optional Roadside Assistance coverage, you’ll soon have help.