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.

Direct compensation- property damage
This option is mandatory in Ontario. It provides coverage for damage to your car and any of your property inside the car, because of an automobile accident where you are not-at-fault.

Date of birth
Your insurance rates will vary, depending on your age. For example, full-time students and retirees fall into two different age groups. As a result, their rates will be different.

Depreciation waiver coverage (No. 43)
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, we will arrange for necessary repairs.

Annual kilometres
The more you use your vehicle, the higher the risk that you'll be involved in an automobile accident. We offer lower premiums to people who don't drive as often.

Travel to work
Driving to work includes driving all the way to work as well as driving to a subway, bus or train station. People, who don't use their vehicle to drive to work, will have a lower premium than those who do.

Number of drivers
Insurance companies consider the number of different people that drive your vehicle, and their insurance record. Generally, the more people that drive your vehicle, the higher will be your insurance premium.

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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