Next to your home, your automobiles may be your most valued asset. Not only are they a significant financial investment, but depending on where you live, they may also be required to get to work or access everyday services.Get an insurance Quote
Provides coverage for you or other insured persons if someone else is killed, or injured, or their property is damaged in an automobile incident. It will pay for legitimate claims against you or other insured persons up to the limit of your coverage, and the cost of settling claims.
Accient Benefits provide benefits that you and other insured persons may be entitled to receive if injured or killed in an automobile accident.
You may also purchase optional benefits to increase the standard level of benefits provided in your policy
Covers damage when a described automobile is involved in a collision with another object/vehicle or tips over
Covers a described automobile against loss or damage other than those covered by Collision or Upset, including perils listed under Specified Perils. For example, this would cover you for damage to your auto caused by fire, theft, windstorm or hail, falling or flying objects, and vandalism.
If you are involved in a collision, you may need access to a rental car while you vehicle is being repaired or replaced. Rental Car coverage can be added to your policy that would provide coverage for a substitute auto following an insured claim. Ask about adding this endorsement to your policy today.
If you have a newer vehicle, it may be possible to add this endorsement to your policy. This endorsement effectively removes depreciation, meaning that in the event of a total loss you will receive either a payout exactly to what you paid for the auto new, or the insurance company will replace your auto with a new vehicle same make and model. This optional endorsement varies by insurer, so be sure to contact us for details or to add this to your policy.
If you add this endorsement to your policy, the first at fault accident will not count against you with your insurance company. One aspect of this endorsement to be careful with is the fact that the forgiveness does not transfer between insurance companies.
Everyone likes to save money on their insurance, and auto insurance is no different. We have listed some possible areas where you could save money on your car insurance below.
If you install 4 winter tires from the months of November to April, you may be eligible for a winter tire discount of up to 5%. Please contact us to discuss how we can take advantage of this discount.
Some companies will offer discounts if you allow them to install a telematics device in your auto. This device will record your driving habits and apply discounts based on your specific driving style. You can receive a discount when you install the device, then up to 25% in discounts depending on your driving style. Please contact us if you would like to enroll in a telematics program.
You may be eligible for the Multi-Vehicle Discount which could save you up to 15% on your auto insurance, as well as up to 15% for the other autos in the household. Please contact us to discuss how we can take advantage of this discount.
You may be interested in raising your deductibles to reduce your premium. Please contact us to discuss this and other cost saving options.
Classic cars are one of a kind and require slightly different insurance. We have many packages to insure your classic or specialty auto. Click Here to get a quote for your classic auto.
Hot Rods and modified vehicles are often difficult to insure. We understand your passion, and have many companies that can properly cover your Hot Rod. Please contact us for details.
You have most likely heard on the radio or even on the TV about the changes to the accident benefits on your Ontario auto insurance policy. The changes took place in June 2016 for all auto insurance policies in Ontario. Your own broker might have even sat you down and talked to you about buying up the accident benefit limits…. Read more »
In a perfect world, automobile insurance would be uncomplicated and it could be easily understood by everyone. Let’s face it however; auto insurance can be confusing and difficult to understand. It doesn’t help that there are a number of misconceptions associated with obtaining car insurance. Let’s put the rumours to rest and discuss some of the most common myths. Please… Read more »
Many insurance companies are now requiring that their insureds (customers) who want to remove coverage on their vehicle for an extended period of time, apply an OPCF 16 (Suspension of Coverage) endorsement to their vehicle. It may sound confusing at first glance, but this change is a benefit to you. What is an OPCF 16 Endorsement? The OPCF 16 endorsement… Read more »