No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
“Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
All Perils protection combines both of the above coverages.
Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.
Car Insurance Coverage Based on Your Driving Habits
Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?
Good driving record?
Intact Insurance rewards good drivers with our Responsible Driver Guarantee®*, which means your first at-fault accident is on us.
Minor Conviction Protection
Do you ever worry about how a minor conviction, such as a speeding ticket, could impact your car insurance premium? With Minor Conviction Protection, you’ll have peace of mind knowing your first minor conviction won’t affect your premium.
my Driving DiscountTM
Some people have better driving habits than others. That’s why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.
If you are an Uber driver in Ontario, Intact now provides a commercial policy that covers you from the instant you make yourself available to accept an Uber ride request, to the moment passengers exit your vehicle.
Turo Car Sharing
Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo — an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.
Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
One bill. One payment. One renewal date. It’s that easy!
Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.
We work with local, independent brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.
We offer a variety of convenient payment options to help make it easier to manage your payments.
Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we’ll get you through the process as quickly and efficiently as possible.
30 Minute Claims Guarantee
When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.
Choosing the Right Coverage
Your car insurance policy must include some coverage to protect you financially against major risks. Here are three types of coverage that are typically required.
Protection Against Liability Claims
Liability Coverage (civil liability coverage in Quebec) protects you financially if you are legally liable for injuring someone or causing damage to another person’s property or automobile while operating a motor vehicle.
Minimum required: Depends on province or territory
Recommended: You may need more than the minimum set by your provice or territory. Get advice from an RBC Insurance Advisor for the right amount for your situation.
Protection Against Injury or Death
If you are injured in a motor vehicle accident, Accident Benefits coverage can help replace your lost income or pay for medical, rehabilitation and other expenses not covered by government health insurance.
It can also provide benefits to your spouse or partner and dependent children if you are killed in an accident.
Minimum required: Depends on province or territory (not required in Quebec or Newfoundland)
Recommended: Standard coverage, unless you don’t have sufficient disability insurance*
*Ontario residents can increase coverage
Protection Against Uninsured or Unidentified Drivers
Uninsured Motorist or Automobile coverage provides benefits to you or your family if you are injured or killed by an uninsured or unidentified driver.
It also helps pay for damages to your vehicle if they’re caused by an identified uninsured motorist.
Minimum required: Depends on province or territory (not offered in Quebec)
Recommended: Standard coverage, unless you don’t have sufficient disability insurance**
**You can supplement coverage with the Family Protection endorsement.