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

At-fault accidents
An at-fault accident includes things like hitting a car in front of you, turning left in front of another car, or backing up and hitting a pedestrian or a car. Usually, the police were involved and you had to pay your insurance deductible.

Accident benefits
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 caregiver for a member of their household;
• payment of medical, rehabilitation and attendant care expenses;
• payment of funeral expenses and payments to survivors of a person who is killed.

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

Annual kilometres
The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident.

Vehicle make
We use information like the make of your vehicle to figure out your premium. We look at details of other claims submitted for that make: like repair costs, rate of injury, and the chances that your car will be stolen. We also consider the Manufacturer's Suggested Retail Price when putting together your premium.

Vehicle model
We use information like the model of your vehicle to figure out your premium. We look at details of other claims submitted for that model: like repair costs, rate of injury, and the chances that your car will be stolen. We consider the Manufacturer's Suggested Retail Price when we put together your premium.

Vehicle year
We need to know the year of your vehicle, so we can consider things like repair costs, rate of injury, and the chances that your car will be stolen. Generally, newer vehicles are more attractive to thieves. So you'll end up paying a higher premium than if you insured an older model of the same vehicle.

Damage to non-owned automobiles (No. 27)
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.

Number of insured vehicles
If you insure more than one vehicle with us, you could get a discount on the premium for these vehicles.

Uninsured automobile and unidentified driver (Atlantic Provinces)
This option provides coverage if you are in an accident with an at-fault, uninsured driver. It even covers you if the driver is not identified at the scene of the accident. (e.g. hit-and-run accidents)

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