Family Protection
Family Protection Coverage provides coverage for you and your family from the actions of an at-fault, underinsured driver. If you are travelling in a province or a state where the mandatory liability coverage is low, Family Protection coverage ensures that you and your family are covered if you are injured in an accident up to your own policy's limits regardless of the other person's coverage levels.
Collision or Upset
Covers your automobile when it is involved in a collision with another vehicle or object.
Comprehensive
Protects your car against loss or damage other than the collision coverage. Including falling or flying objects, missiles, vandalism and theft.
Loss of Use
If you are involved in an accident and your car is not drivable, Loss of Use coverage pays for a rental car while your car is being repaired. Coverage limits can be different from one insurance company to another.
Legal Liability for Damage to Non-Owned Automobile
If you need to rent a car for a short term, this option provides you with collision and comprehensive coverage on the rented car. You can purchase this coverage from the rental car company, however it can get expensive. Some of these companies charge up to the same amount per day for this coverage, as you pay for a year's premium.
Limited Waiver of Depreciation
Has your car been written-off in an accident within the first 24 months of the original delivery date? This optional coverage ensures that you will receive the full value of what you paid for the car without depreciation. If your car can be safely repaired, your insurance company will arrange for necessary repairs.
** For further information regarding auto coverages please refer to the Financial Services Commission of Ontario Website:
http://www.ontarioinsurance.com/english/insurance/