Auto insurance that works for you
What is Third Party Liability coverage?
Mandatory
Provides coverage if you have an at-fault accident that:
- damages someone else’s property (e.g., a fence, house or hydro pole), or
- injures or kills someone
Insurer’s tip
By law, you must have at least $200,0001 in third party liability coverage, but this may not be enough to protect you in the event of a loss. For your own peace of mind, we recommend $1 million or $2 million. These are the standard limits.
What is Collision or Upset coverage?
Required if your vehicle is leased or purchased with financing
Protects you against damage caused to your vehicle if you have an at-fault accident. For instance:
- Your car hits another vehicle
- Your car hits an object
- Your car rolls over
Insurer’s tip
This coverage is essential if you have a newer car. Without it, repairs to your vehicle won’t be covered if you have an at-fault accident.
What is Comprehensive coverage?
Required if your vehicle is leased or purchased with financing
Protects you against loss or damage caused to your vehicle in situations other than collisions, such as:
- Cracked or broken windows
- Theft
- Vandalism
- Fire
- Earthquakes, floods, windstorms, etc.
- Flying or falling objects
- Riots or civil disturbances
Insurer’s tip
Without this coverage, you’d have to pay for expenses like windshield repairs or the cost of replacing your vehicle if it is stolen or destroyed in a fire.
What is Accident Benefits coverage?
Mandatory
This mandatory coverage applies if you’re injured or killed in a car accident, regardless of who is responsible. It covers:
- Medical, rehabilitation and funeral expenses
- Death and income replacement benefits
Insurer’s tip
You can also increase your Accident Benefits protection with optional coverages, such as:
- Income replacement
- Medical, rehabilitation and attendant care
- Death and funeral expense benefits
Learn more about the Statutory Accident Benefits options available since June 1, 2016.
Learn more about Ontario Auto Insurance Reforms
What is Uninsured Automobile coverage?
Mandatory
Protects you in the event of an accident caused by an uninsured or unidentified driver. For example:
- If you are injured or killed because of an uninsured or hit-and-run driver.
- Covers damage and loss of use for the insured vehicle and its contents, following an accident caused by an identified uninsured motorist.
What is Family Protection coverage?
Recommended
Provides additional protection for everyone on your policy in the event of injury or death caused by an uninsured or underinsured motorist.
- This protection covers the difference between the Family Protection limit on your policy, and the liability insurance limits of the other at-fault driver
Insurer’s tip
Example: You were involved in an automobile accident that caused $800,000 in damage. The other driver, responsible for the accident, was covered up to $500,000. Fortunately, you had added $1,000,000 in Family Protection coverage to your policy, which covered the $300,000 difference between the damage and the at-fault driver’s coverage.
What is Direct Compensation Property Damage (DCPD) coverage?
Mandatory
This coverage protects you against damage to your vehicle in the event of an accident that is not your fault or is only partially your fault and allows you to deal directly with your own insurer. This means you call us directly no matter who's at fault.
Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.