Supplemental Auto Insurance
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Be Protected, No Matter the Cause
If you own a car in Ontario, by law you must have car insurance. The most basic policy requires you to carry four types of coverage: third party liability insurance, accident benefits coverage, uninsured automobile coverage and direct compensation-property damage coverage. For peace of mind, you’ll want to consider more than just the basics. Having a more comprehensive auto insurance policy offers added protection in especially difficult situations—that’s where supplemental auto insurance comes in handy.
This type of insurance covers you when you get into an accident with another object, or your vehicle rolls over. This also protects you if you hit something other than another vehicle.
This covers you for any and all potential risks, even if they aren’t listed in your auto insurance policy.
Statutory benefit is included in all standard auto insurance policies in Ontario. This pays for benefits not covered by OHIP in the case of injury from an auto accident. This covers many things, including income replacement, medical and rehabilitation benefits, or even death and funeral costs.
This pays only for the losses that are specifically listed in your insurance policy. These include fire, theft, or attempted theft, natural disaster, explosion, hail, lightning, rising water and more.
All Ontario drivers are required to carry at least $200,000 in third party liability insurance. This protects you in the event of an accident where you are found legally responsible for damage or injury to others and ensures you are not left paying out of pocket.
Covers the cost of your vehicle if it’s stolen or damaged from something other than an accident. This will cover damage caused by theft, natural disasters, animals, fire, water, falling objects, civil disturbances or vandalism.
This simply means that if you’re injured or your car is damaged from an accident, you deal with your own insurance company, no matter who is at fault. You don’t have to go after the “at-fault” driver for compensation for your losses.
Following an accident, rental car insurance will give you peace of mind, knowing that you can still get around while your vehicle is being repaired. At the time of a claim, you’ll feel better knowing how you’ll still get to work.
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Not sure your homeowner’s policy comes with the best coverage? No problem! Our network of independent brokers can walk you through the process of adding more.