Personal
Auto insurance
Coverage that goes beyond the legal minimum to protect you, your vehicle, and others on the road.
What it covers
The essentials, at a glance.
In practiceYou rear-end another car at a light, and liability pays for the other driver's repairs and any injuries they claim.
Not coveredIt doesn't pay to fix your own vehicle, that is collision coverage.
In practiceYou slide on ice into a guardrail (collision) or hail dents your hood (comprehensive), and both repair your own car.
Not coveredWear, worn tires, and mechanical breakdown aren't covered, only sudden accidental damage.
In practiceA driver with no insurance hits you and takes off, and this steps in to cover your injuries and damage.
In practiceAfter a crash you need physio and time off work, and accident benefits help with medical costs and lost income regardless of fault.
In practiceYour car is in the shop for two weeks after a claim, and loss-of-use pays for a rental so you aren't stuck.
Not coveredIt applies while you repair a covered claim, not for routine servicing or a breakdown.
Talk to a local broker
We'll make sure you have the right coverage with the right insurer.