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Standard car insurance coverage

Auto insurance that works for you

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We insure your vehicle to ensure your peace of mind

We insure your vehicle to ensure your peace of mind

With The Personal’s standard auto insurance coverages, you can feel confident when you get behind the wheel.

What is Third Party Liability coverage?

Mandatory

Provides coverage if you have an at-fault accident that:

Insurer’s tip

By law, you must have at least $200,0001 in third party liability coverage, but this may not be enough to protect you in the event of a loss. For your own peace of mind, we recommend $1 million or $2 million. These are the standard limits.

What is Collision coverage?

Required if your vehicle is leased or purchased with financing

Protects you against damage caused to your vehicle if you have an at-fault accident. For instance:

Note: You may have to pay a deductible when you make a claim.

Insurer’s tip

This coverage is essential if you have a newer car. Without it, repairs to your vehicle won’t be covered if you have an at-fault accident.

What is Comprehensive coverage?

Required if your vehicle is leased or purchased with financing

Protects you against loss or damage caused to your vehicle in situations other than collisions, such as:

Note: You may have to pay a deductible when you make a claim.

Insurer’s tip

Without this coverage, you’d have to pay for expenses like windshield repairs or the cost of replacing your vehicle if it is stolen or destroyed in a fire.

What is Accident Benefits coverage?

Mandatory

This mandatory coverage applies if you’re injured or killed in a car accident, regardless of who is responsible. It covers:

Insurer’s tip

You can also increase your Accident Benefits protection with optional coverages, such as:

Learn more about the Statutory Accident Benefits options.

What is Uninsured Automobile coverage?

Mandatory

Protects you in the event of an accident caused by an uninsured or unidentified driver. For example:

What is Family Protection coverage?

Recommended

Provides additional protection for everyone on your policy in the event of injury or death caused by an uninsured or underinsured motorist.

Insurer’s tip

Example: You were involved in an automobile accident that caused $800,000 in damage. The other driver, responsible for the accident, was covered up to $500,000. Fortunately, you had added $1,000,000 in Family Protection coverage to your policy, which covered the $300,000 difference between the damage and the at-fault driver’s coverage.

What is Direct Compensation Property Damage (DCPD) coverage?

Mandatory

This coverage protects you against damage to your vehicle in the event of an accident that's not your fault or is only partially your fault. If you're involved in a collision, you’ll always deal with us directly to cover vehicle repair costs. This makes the claim process a lot simpler.

Because this coverage is mandatory, it’s automatically included in the calculation of your insurance premium.

Learn more

Learn more about the optional coverages you can add to your auto insurance policy to meet your needs.

See how you can save!

The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply.

Information to have on hand when getting a quote

To get an auto insurance quote, you’ll need the following information for you and any other drivers you want to insure:

Information to have on hand when getting a quote

To get a home insurance quote, you'll need the following information about your property:

Information to have on hand when getting a tenant insurance quote

To get a tenant insurance quote, you'll need the following information about your unit:

General information

Insurance history

If you qualify to buy your tenant insurance online, you will also need the following information:

Information to have on hand when getting a condo insurance quote

To get a condo insurance quote, you'll need the following information about your property:

General information

Insurance history 

If you qualify to buy your condo insurance online, you will also need the following information:

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