Loss of Use
Loss of Use pays for the cost of a rental car (or other transportation costs) while your vehicle is being repaired after an insured loss (i.e. accident, theft)

Legal Liability for non-owned autos
This extension covers the physical damage to a short-term rental car. Your policy deductibles apply to the rental car and this coverage is subject to a maximum limit as defined on the policy.

Replacement cost
Auto coverage is insured on an Actual Cash Value (ACV) basis. Often Replacement cost coverage can be bought on new cars for a set time period (2, 3 or 4 years). This extension of coverage changes the way a claim is settled - effectively eliminating the depreciation of the vehicle.  Replacement Cost coverage can also be purchased for used or pre-owned vehicles.  Please contact us for more details.

Family Protection (Ontario)
The Family Protection Endorsement provides a minimum coverage for your family's injury compensation. If a third party is at fault for an auto accident that results in member(s) of your family being injured, the minimum benefits available to you will be the amounts carried under your own policy. This would come into effect should the responsible party have less liability coverage than your own policy. In effect, the Family Protection Endorsement covers the difference between the value of your claim and the third party's limit of liability insurance, subject to your own Third Party Liability limit.

This coverage is not available in Quebec.

Uninsured Motorist (Ontario)
The law requires you to pay for any damages for which you are held legally responsible in an accident. Uninsured Motorist Coverage provides protection if the party responsible is not insured and cannot pay for your damages.

This coverage is not available in Quebec.