Accident Benefits coverage provides for you and your family if you are injured or killed in an automobile accident. Accident Benefits provide income replacement for persons who have lost income as well as payments to non-earners who are not able to carry on a normal life; payment of care expenses to persons who can no longer act as a primary caregi [..]

A not-at-fault accident includes things like when someone hits you from behind or if you've had a broken windshield claim.

Collision coverage protects your vehicle if it is damaged in an accident. This coverage is optional because the cost of insuring some older vehicles for collision could be higher than the value of the vehicle itself.

Comprehensive coverage protects your car against loss or damage other than the collision coverage. This would include falling or flying objects, missiles, vandalism and theft.

This option is mandatory in Ontario. It provides coverage for damage to your car and any of your property inside the car, because of an automobile accident where you are not-at-fault.

Provides coverage for you if you are in an accident with an at-fault, uninsured driver who is identified at the scene of the accident.

You could get a discount if you have an approved alarm or anti-theft device installed in your vehicle.

In most provinces, insurance premiums will vary depending on age. For example, full-time students and retirees fall into different age groups whose rates are different. However, note that in Nova Scotia, age is not a factor and will not affect insurance premiums.

If you need to rent a car for a short term, this option provides you with collision and comprehensive coverage on the rented car. This type of insurance can get expensive if you purchase it from a rental car company. Some of these companies charge up to the same amount per day for this coverage, as you pay for a year's premium.

If you have both your home and automobile policy with us, you could receive a discount.