Optional Benefits for your Auto Insurance
Free for all policyholders
Claims Counselling
If you find yourself in a position where you need to make a claim on your auto insurance policy – call OTIP
first. Speak to one of our licensed service representatives who will request information about the incident and
guide you through the impact of an insurance claim on your policy and your future insurance rates.
We will advise you of the next steps and a claims representative will assist you through the process to repair
or replace your vehicle. Take advantage of 24-hour access to an experienced claims representative and strategic
alliances with reputable repair facilities throughout the province.
Autograph
As a responsible driver, you should be rewarded by saving money on your auto insurance. The Autograph
program allows you to monitor your driving habits and qualify to lower your auto insurance premium by
as much as 5-25%. You have the opportunity to pay less for your auto insurance by using your vehicle
in ways that lower the risk of collisions, including:
- driving fewer kilometres than average
- driving at safer times of the day when incidents are less likely to occur
- driving at slower speeds
Request a free, no obligation quote for
Autograph today!
Satellite – Driver Assistance
When you're on the road and need help, Satellite Driver Assistance comes to the rescue – anywhere in Canada or
the continental United States. Need a tow or a boost? Maybe you've run out of gas or locked your keys in the
car. For just pennies a day, you can add Satellite coverage to your auto insurance policy to receive the
following protection:
- emergency road services
- access to directions if you're lost or need an alternate route
- advice on vehicle maintenance or repair
- discounts on hotels and car rentals
- assistance with trip planning and emergency medical advice while abroad
Car Rental Endorsement
In the event of an accident, you may need a rental car while your vehicle is being repaired. For $25 a year, you
can add basic car rental coverage (maximum of $900 per occurrence) to your auto insurance policy. For $34 a year, you
can add enhanced rental car coverage (maximum of $1,200 per occurrence), allowing you greater flexibility to rent
the style of car you enjoy.
Six Star Protector and Nine Star Protector Endorsement
If you have been driving for six years or more and have no at-fault accidents, you can protect your driving record
in the event you have an at-fault loss with the Six Star Protector.
For an additional annual premium of $50 per vehicle, the Six Star Protector ensures that even if you are deemed
to be at-fault in a future accident, your driving record and claims-free rating will remain unchanged, provided
the accident does not violate any conditions of your insurance policy or result in a major or serious driving
convictions.
If you've been driving for nine years or more and have no at-fault accidents, you could qualify for the
Nine Star Protector.
Optional Accident Benefits
The Ontario government provides a basic, mandatory level of accident benefits coverage upon the purchase of an
auto policy. OTIP offers the option to increase your coverage for any of the following accident benefits:
- Income replacement
- Caregiver and dependant care
- Medical, rehabilitation and attendant care
- Death and funeral
- Indexation benefit (ensures annual increases to monetary limits to reflect changes in cost of living)
Anti-theft Device Program
Protect your vehicle from theft and save on your auto insurance policy! If your vehicle is less than six years
old, you may qualify to have a state-of-the-art ignition disabler installed in your vehicle for the low cost
of $24.99 (retail value of $79.99). Once installed, you may be eligible to receive a discount of 3-5% on the
comprehensive/all-perils coverage on your auto insurance policy.
Personal Umbrella *
Concerned you may not have enough liability coverage? Protect yourself and your family by purchasing a Personal
Umbrella, and receive the following:
- Increased liability limits (from an additional $1 million to $5 million)
- Additional coverage for automobiles driven outside of Canada or the U.S.
- Coverage for your involvement as a director or officer of a non-profit group
- Peace of mind in case of a lawsuit
* You must insure your primary residence with OTIP to qualify for this benefit.
Other Risks and Alternative Choices for Insurance Coverage
OTIP recognizes that certain items or situations do not fall within a standard auto insurance policy. We have
a dedicated team that can help you to place insurance coverage for your motorcycle, ATV or snowmobile. Also, we
can assist with hard to place coverage for business use vehicles, farm use vehicles, and personal use vehicles
with less-than-perfect driving records.
Call Us Today!
As an OTIP auto insurance policyholder, you can choose to add these optional benefits to your policy. For more
information, please call an OTIP service representative at 1-800-267-6847.
If you are not yet insured with OTIP,
request a free, no-obligation quote.
All optional benefits are subject to underwriting rules; some limitations may apply.