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Auto insurance

Where am I covered to drive?

This policy covers you and other insured persons for incidents occurring in Canada, the United States of America and any other jurisdiction designated in the Statutory Accident Benefits Schedule, and on a vessel traveling between ports of those countries. All of the dollar limits described in this policy are in Canadian funds.

You are covered anywhere within Canada and the U.S., excluding Hawaii. Only the coverages listed on your vehicle will extend while you are traveling.

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What if I get into a collision with an animal. Is this covered?

Like any potential claim, you need to have the right coverage in place. Here are some animal-based scenarios to consider:

• Did the animal wander into traffic suddenly (think a deer darting into the middle of the road)? This is usually covered through the comprehensive portion of your policy. 
• Animal carcass sitting in the middle of the road (roadkill), and you drove into it?  This would likely be covered under the collision component of your insurance.  

In either case, your deductible will apply.

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What if someone else drives my car. Is this covered?

Auto insurance policies will usually respond if your friend has a valid Ontario driver's licence, and your permission to use your vehicle.

Think about it like this: when you lend your car, you lend your insurance. If anything happens, your insurance policy would respond, and cover eligible damages/injuries subject to your policy limits.

Remember that your insurance record is affected if they are considered at fault. This accident will remain on your record for at least 6 years and may impact your premiums if you do not have accident forgiveness.

If someone will be using your vehicle for a longer period of time, consider adding that driver to your insurance policy.

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Are passengers in my car covered if they get hurt in a collision?

Every automobile insurance policy in Ontario has a standard amount of accident benefits coverage. Usually, these are the coverages that would kick in to cover you and the passengers of your vehicle if you have been in a collision that caused injury.

Make sure you take some time to review your accident benefits coverages to see if the standard amount meets your needs. There are enhanced options available for purchase. 

Note: like all claims, injuries are subject to policy conditions.

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My windshield was cracked. Am I covered?

Damage to your windshield that’s caused by something other than a collision – a crack caused by a flying stone, for example – is typically covered if you have comprehensive coverage.

Need to make a claim? Call us at 1-844-472-7905.

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Is my trailer covered?

If you are involved in a loss while you are towing a trailer, only the third-party liability portion of your policy  would respond.

If you want to make sure that physical damage to your trailer is also covered, you need to buy additional insurance.

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My car got broken into. Am I covered for items stolen from my car?

That sucks 😥 Sorry to hear that!

The good news is that if you have Comprehensive coverage included on your auto policy, you do have some coverage available. Sign in to your account and navigate to Risks and Policies to review all the coverages you have on your policy.

Depending on what was stolen, you may need to claim through your home insurance policy. Check out our Claims page for more information, or if you need to submit a claim. We’ll help you get this sorted out.

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How do I know what my auto policy covers?

It's important to know what you are paying for, and how it protects you.

To see the details of your auto policy coverage, sign into your account. Navigate to Risks and Policies, and select the policy documents you'd like to view.

You can also download your full Certificate of Auto Insurance, which provides a more detailed breakdown of your coverage, from the same screen.

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Am I covered for a rental car?

It isn’t a guarantee that rental car coverage is included in your policy, but there are two types of coverages you can add to your policy:

If your vehicle is in the garage for repairs because of a claim made under the physical damage portion of your policy, something called ”transportation replacement coverage” will provide you with a rental car. You choose the amount, typically around $1,200 to $1,500. If your car required three weeks of repairs, and you commute 20KM each way to work, how would you get to and from work? You could be looking at $100 to $200 per week for transportation replacement, depending on make, location and number of days required.

The Onlia 20/27 bundle provides you with physical damage coverage (collision and comprehensive coverage) for you and your spouse, including all listed drivers on your policy, in the event of loss or damage to all rented and non-owned vehicles within North America

The bundle is a package that includes both coverages:

• OPCF 20- In the event your vehicle is in an accident, this coverage provides you with a rental car while your car is being repaired
• OPCF 27- Extends coverage from your automobile policy to a rental car so that you do not have to purchase physical damage coverage from a rental car company

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I carry construction tools in my car. Is that really a big deal?

If you carry tools for your job or business (e.g. welding equipment, power tools, ladders, etc.) you would most likely need a commercial insurance policy. You can purchase commercial insurance from our sister site, ahainsurance.ca.

If for whatever reason you are unsure about your situation, reach out to us. Our team will be able to guide you in the right direction.

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Where can I find my coverage limits?

Your coverage details, limits, and policy documents can be conveniently viewed in your account. Simply log in and navigate to Risks and Policies, and select the policy you want to view details of.

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Do you cover roadside assistance?

We don't offer roadside assistance.

That being said, if you got into an accident and need a tow, this might be covered if you have the right coverages in place. We’d recommend that you give us a call at 1-844-472-7905 and we can point you in the right direction.

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Am I covered driving a friend’s vehicle?

If you have car insurance, you will be covered. Otherwise, damages will unfortunately be charged to your friend’s insurance policy.

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Is DCPD no-fault insurance?

Yes. Direct Compensation Property Damage (DCPD) is part of the no-fault system. It’s the part of your auto insurance that covers damage to your vehicle when you’re not at fault.

DCPD is designed to compensate drivers directly if their car is damaged in a collision with at least one other vehicle.

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Is DCPD mandatory?

As of January 1, 2024, DCPD is optional. The Ontario government passed the Ontario Policy Change Form 49 (OPCF49) in December 2022, thus making the coverage optional.

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Does DCPD cover hit-and-run incidents in Ontario?

Unfortunately, DCPD does not apply to hit-and-runs. If you do not have an at-fault third party, your insurance company does not have a way to recoup the costs of your claim.

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What does DCPD cover?

DCPD insurance encompasses two primary coverage components:

• Coverage for Your Vehicle and Property Damage: DCPD provides financial protection for repairing or replacing your vehicle and any property inside it that gets damaged in a collision.
• Compensation of Loss of Vehicle: While your car is being repaired, DCPD covers the cost of a rental vehicle or public transit expenses.

If you have opted out and are in a collision that is not your fault, you could be on the hook for the following items:

• Automobile repair
• Towing costs
• The value of the automobile or its replacement
• The loss of use of the automobile
• Damage or loss of the contents inside the automobile

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Who pays the deductible in a car accident under DCPD?

There’s typically no deductible under DCPD. However, you can purchase one. The options are $0, $300 and $500.

If you are found at fault for an accident, there is no coverage under DCPD. But if you are partially found at fault, say 25% at fault, then DCPD will pay 75% of the claim, apply 75% of the DCPD deductible, plus collision, if present will pay 25% of the value of the claim, minus 25% of the collision deductible.

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