Self-Service Insurance

Quickly and easily manage your auto or property policy when it's convenient for you.

First Name

Last Name

Telephone Number

Policy Number

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Effective Date of Vehicle

Select the Optional Accident Benefits you would like to add to your policy

Income replacement

If you are unable to work, you may qualify for income replacement benefits up to 70 per cent of your gross income, capped at $400 per week. The following chart helps identify your income replacement needs.

* If you have other income replacement assistance available (e.g. sick leave from an employer), your benefit will be reduced in accordance with the amounts being received.
Income Range	Consider an Income Replacement Benefit at this level*
$30,000 - $44,000	$600 / week
$45,000 - $59,000	$800 / week
$60,000 +	$1,000 / week

Coverage Options:

$600 per week

$800 per week

$1,000 per week

Leave at the standard coverage ($400 per week)

Caregiver Benefit

If you can no longer provide care to a dependant residing with you (child or other) as a result of a catastrophic impairment, you may be eligible for the caregiver benefit. These benefits reimburse you for expenses associated with to hiring someone to provide care while you are not able to do so.

The caregiver benefit includes:

Up to $250 per week for the first dependant
An additional $50 per week for each subsequent dependant in the household.

Coverage Options:

Include non-catastrophic injuries

Leave at the standard coverage (catastrophic injuries only)

Medical, Rehabilitation, and Attendant Care

Medical and Rehabilitation Benefit
This benefit covers costs of health care and rehabilitation as the result of an accident. Benefits include physiotherapy, prescriptions, chiropractic treatment, counseling, workplace and home modifications, as well as other services that are not covered by the Ontario Health Insurance Plan (OHIP) or through your group insurance plan (if applicable). Medical care and costs that qualify are listed in the Statutory Accident Benefits Schedule.

Attendant Care
This benefit covers the cost of an attendant should you require one to care for you, either at home or in a healthcare facility. An aide or attendant helps with things like bathing, dressing, toileting, etc. This benefit is included if you’ve been seriously injured in an auto accident for the limits shown below.
This coverage for Medical, Rehabilitation & Attendant Care is limited to $65,000 for non-catastrophic injuries and $1,000,000 for catastrophic injuries.

Coverage Options:

a. Increase coverage for non-catastrophic injuries to $130,000

b. Add all injury benefit at $1,000,000 for non-catastrophic injuries ($2,000,000 for catastrophic injuries)

c. Increase catastrophic injury coverage by $1,000,000 (for a total of $2,000,000)

d. Option A + C

e. Options B + C (total eligible benefit amount for catastrophic injuries at $3,000,000)

f. Leave at the standard coverage ($65,000 for non-catastrophic & $1,000,000 for catastrophic)

Death and Funeral Expenses

In the event that you die as the result of a car accident, this benefit will provide a lump sum payout to your spouse and dependants.

The benefit includes a payout of:

$25,000 to your spouse
$10,000 to each of your dependants
A maximum of $6,000 for funeral expenses

Coverage Options:

Increase coverage ($50,000 to spouse, $20,000 to each dependant, and a maximum of $8,000 for funeral expenses).

Leave at the standard coverage ($25,000 to spouse, $10,000 to each dependant, and a maximum of $6,000 for funeral expenses).

Dependant Care benefit

This benefit will pay for additional childcare expenses due to injuries sustained from an auto accident. It provides coverage up to $75 a week for your first dependant and $25 for each additional dependant and can only be claimed if you were employed at the time of an accident. To be eligible for this benefit, you cannot receive the caregiver benefit.

Coverage Options:

Include the Dependant Care benefit

Do not include the Dependant Care Benefit

Indexation Benefit

This benefit will provide an annual adjustment to account for inflation for certain accident benefits. Adjustments are done in accordance with the Consumer Price Index of Canada and applies to the following benefits: