Enhance your protection with additional optional coverage.†
For as little as 30 cents a day, get three-in-one protection on the road.
- 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.
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 minimal premium, your claims-free rating will remain unchanged, even if you are deemed to be at fault in a future accident.*
Minor Conviction Protector
This optional enhancement provides protection from premium increase in the event of a minor driving infraction such as failure to wear a seat belt or an improper turn.
Liability for Damage to Non-Owned Automobiles
This protects against loss or damage to vehicles that are rented or borrowed when driving in Canada or the United States.
Optional Accident Benefits
OTIP gives you options to increase your coverage above provincial basics. Learn more about Optional Accident Benefits.
*Provided the accident does not violate the conditions of your policy or result in a major driving conviction.
†Coverage availability depends on insurance carrier.
As a member of the education community, you’re entitled to exclusive group savings on insurance.
Save up to 50% on home insurance when you insure both your home and car through OTIP.
Clean Driving Record
You save if you’ve had no traffic violations in the past three years.
You’ll get a special rate if you’ve been with us for three years or more.
Save even more with our special discounts.