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Optional auto insurance coverage

Auto insurance that works for you

The Personal auto insurance optional coverage makes it possible for you to get tailored insurance.

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Quick quote (1 car/1 driver)

Price shown is an estimate.

Detailed quote (Up to 2 cars and 3 drivers)

Customize your coverage

At The Personal, we offer a range of optional auto insurance coverage to help you tailor your auto insurance policy to your reality.

What is 5-Year New Vehicle Protection coverage?

Recommended if you have a new vehicle

This coverage protects your vehicle against depreciation for up to 5 years.

  • In the event of a total loss, your vehicle will be replaced with a new vehicle with the same specifications and equipment
  • In the event of a partial loss, your vehicle will be repaired with new parts

What is Liability for Damage to Non-Owned Automobiles coverage?
(Endorsement 27)

Recommended if you often rent a car when you travel

Provides coverage in the event that you damage a short-term rental or borrowed automobile anywhere in Canada or the United States.

  • Rental vehicle must be for personal use
  • Check your insurance policy to find out if you have this coverage. If you do, you won't need the additional insurance offered by the rental company.
  • Depending on the type of vehicle you rent, you may not need the insurance offered by the rental company
  • This coverage is included in the Worry-Free Option™

For example, if you rent a vehicle for a short trip and hit a tree, you’ll be covered for the damage caused to the vehicle.

What if you damage someone else’s property?

The Liability coverage included in your auto insurance policy covers damage to other people’s property.

Planning a trip to South America?

Your auto insurance policy doesn’t cover you when you travel outside Canada or the United States. However, you may have coverage through your credit card. Find out!

What is Transportation Replacement coverage?

Recommended if you need a replacement vehicle because your car was stolen or in an accident

Provides coverage for transportation replacement costs if your vehicle is no longer driveable after a loss or damage covered by your policy. With this coverage, you get reimbursed for:

  • A rental replacement vehicle
  • Taxi or public transit fare while your vehicle is being repaired or replaced following loss or damage covered by your policy
  • This coverage is included in the Worry-Free Option™

What is Worry-Free Option® coverage?

Recommended if you want the most popular coverages

Benefit from a special package that combines the most popular optional coverages which are:

* Emergency Road Service: We’ll reimburse up to a maximum of $50 per occurrence for towing and emergency service expenses incurred because your vehicle is disabled. Receipts for expenses and acceptable evidence of loss must be provided. Costs associated with parts or supplies, fuel, oil, batteries or tires are not included.

What is $0 Deductible Option coverage?

Recommended if you want to avoid paying a deductible

With this coverage, no deductible payment is required when you make a claim.

What is Accident-Free Protection coverage?

Suggested if you want to avoid a premium increase due to an at-fault accident

With this accident waiver coverage, your premium won’t increase after your first at-fault accident as long as Accident-Free Protection remains on your car insurance policy.

Learn more

Get the big picture—check out our standard auto insurance coverages.

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.

  • ® Worry-Free Option is a registered trademark of a company affiliated with The Personal Insurance Company.

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Up to 2 cars and 3 drivers 1 car and 1 driver

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