Enhance your protection with additional optional coverage.
Worry-Free Bundle
For as little as 30 cents a day, get three-in-one protection on the road.
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- Accident Rating Waiver ensures your premium won’t go up in the event of your first at-fault accident.*
- Disappearing Deductible reduces your deductible by 20% for each year you don’t have a claim. After 5 years, your deductible disappears entirely!
- On-the-Road Guarantee minimizes disruption to your life if your car is damaged in an accident or stolen, with coverage for a rental car, taxis or public transportation.
*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.
Satellite Driver Assistance
This all-in-one protection package covers you for just pennies a day.
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- Coverage anywhere in Canada and the continental United States
- Emergency road services
- 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
Optional Accident Benefits
OTIP gives you options to increase your coverage above provincial basics.
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- Income replacement
- Medical, rehabilitation and attendant care
- Caregiver, housekeeping and home maintenance
- Dependant care
- Death and funeral
- Indexation benefit (increases limits annually to reflect increases in cost of living)
Additional Add-Ons
Rental Car Endorsement
If your vehicle is damaged in an accident, a Rental Car Endorsement can provide you with a rental vehicle while yours is being repaired, up to a maximum of $5,000 coverage per occurrence.
Accident Rating Waiver (ARW)
If you have been driving for six years or more with no at-fault accidents, the Accident Rating Waiver can protect your driving record from an at-fault loss. For an additional annual premium of $85 per vehicle, your claims-free rating will remain unchanged, even if you are deemed to be at fault in a future accident.*
Personal Umbrella†
Peace of mind in case of a lawsuit — increase your liability protection up to an additional $5 million and extend coverage to include your involvement as an officer of a non-profit group. Personal Umbrella also provides additional coverage for automobiles driven outside of Canada or the U.S.
Specialized Coverage for Special Needs
At OTIP, we recognize certain items and situations fall outside a standard auto insurance policy. That’s why our dedicated team of experts offer a wide variety of solutions to meet any need, from motorcycles and snowmobiles to personal use vehicles, even if you have a less-than-perfect driving record.
*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.
† You must insure your primary residence with OTIP to qualify for this benefit.
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