Vehicle Information Vehicle 1 Year*
Make*
Model*
Liability Coverage* Protects the insured vehicle owner in the event the vehicle causes injury, death or property damage to a third-party resulting from the driver's negligence while operating the vehicle.
Collision Coverage* Helps cover the cost of repairing or replacing your own vehicle if it's damaged in an at-fault accident. Please choose the deductible you would like for this coverage - a deductible is the amount you are responsible for paying out-of-pocket in the event of a claim before this insurance coverage kicks in.
Comprehensive Coverage* Helps cover the cost of repairing or replacing your vehicle if it's damaged by other unexpected situations, such as fire, theft or attempted theft, vandalism. glass repair, falling or flying objects, insured natural disasters, or riots or civil disobedience. Please choose the deductible you would like for this coverage - the deductible is the amount you are responsible for paying out-of-pocket in the event of a claim before this insurance coverage kicks in.
Accident Benefits Medical, Rehabilitation & Attendant Care Benefits* Mandatory Limit $130,000 (Non-Catastrophic Buy-Up) $1 Million (All Injuries Buy-Up)
Helps pay for medical treatment, rehabilitation, and attendant care if you're injured in an automobile accident. This coverage is mandatory and cannot be removed, although you may choose to purchase higher limits.
Income Replacement Benefit* $400 (Standard limit) $600 limit $800 limit $1,000 limit Opt-Out (not recommended)
Helps replace part of your income if you or another covered person can't work because of injuries from an automobile accident. If you opt out of this important coverage, people covered under your policy won't receive compensation for lost income if they suffer an injury in an automobile accident.
Non-Earner Benefit* $185 (Standard limit) Opt-Out (not recommended)
Provides financial support of up to $185 per week during recovery if an auto accident keeps you or another covered person from leading a normal life and you are not eligible for Income Replacement. Note: must be considered an eligible student or unemployed individual for this benefit to be payable.
Caregiver Benefit* $250/$50/Week Limit - Catastrophic Impairment Only (Standard limit) Enhanced Coverage - Includes Eligible Non-Catastrophic Impairments Opt-Out (not recommended)
Provides a weekly benefit if you were the primary caregiver for dependant(s) (such as children or aging parents) before an auto accident and are unable to continue providing that care due to injuries cause by the accident. The benefit pays $250 per week for the first dependant requiring care and $50 per week for each additional dependant requiring care while your recover. Under a standard policy, this benefit is available only if you sustain a catastrophic impairment (a severe injury that meets the definition set out in Ontario's Statutory Accident Benefits Schedule (SABS)). Selecting the enhanced coverage extends eligibility to certain non-catastrophic impairments.
Lost Education Expenses* $15,000 (Standard limit) Opt-Out (not recommended)
Helps cover prepaid or lost tuition, room and board, and books up to $15,000 per claim If an auto accident prevents you or another covered person from attending an eligible educational program.
Expenses of Visitors Benefit* Standard limit Opt-Out (not recommended)
Helps cover reasonable and necessary travel and accommodation expenses for eligible visitors, such as parents or siblings, if you or another covered person is injured in an auto accident.
Housekeeping & Home Maintenance Expenses* Catastrophic Impairment Only - $100/Week Limit (Standard limit) Enhanced Coverage - Includes Eligible Non-Catastrophic Impairments Opt-Out (not recommended)
Helps cover reasonable housekeeping and home maintenance expenses such as cleaning and snow removal if you're unable to perform these tasks because of injuries from an auto accident. Under a standard policy, this benefit is available only if you sustain a catastrophic impairment (a severe injury that meets the definition set out in Ontario's Statutory Accident Benefits Schedule (SABS)). Selecting the enhanced coverage extends eligibility to certain non-catastrophic impairments.
Damage to Personal Items* Included (Standard) Opt-Out (not recommended)
Helps pay to repair or replace certain personal items, such as clothing, glasses, hearing aids, or mobility devices, that are damaged in an automobile accident. If you decline this coverage, these items would not be covered
Death Benefit* $25,000/$10,000 (Standard limit) $50,000/$20,000 Opt-Out (not recommended)
Provides compensation to eligible family members if you or another covered person
dies due to an auto accident. Option 1 provides $25,000 for a spouse and $10,000 for dependants. Option 2 provides $50,000 for a spouse and $20,000 for dependants.
Funeral Benefit* $6,000 limit (Standard limit) $8,000 limit Opt-Out (not recommended)
Helps cover funeral expenses if an insured person dies as a result of an automobile accident. If you decline this coverage, no Funeral Benefit would be payable.
Dependant Care* Opt-Out (Standard) $150 limit ("Buy-up")
Helps cover reasonable and necessary additional costs to care for dependant(s) (such as children or aging parents) if injuries sustained in an auto accident result in you needing to pay someone else to provide that care. This benefit reimburses eligible replacement care expenses incurred because of your injuries.
Indexation Benefits* Opt-Out (Standard) Opt-In
Helps protect the value of certain eligible benefit payments and monetary limits by adjusting them annually to reflect changes in the cost of living. Without this coverage, eligible benefit amounts and limits remain at the amounts shown in your policy and are not adjusted for inflation.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 2 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 3 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 4 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 5 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 6 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 7 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 8 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 9 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
+ Add VehicleVehicle 10 - Remove VehicleYear
Make
Model
Liability Coverage Third Party Liability protects the insured Nova Scotia driver and/or the registered vehicle owner in the event they cause injury, death or property damage to a third-party resulting from the driver's negligence in operating the motor vehicle.
Collision Coverage Helps cover the cost of repairing or replacing your own vehicle if it's damaged in a collision. Please choose the deductible you would like for Collision coverage. The deductible is the amount you are responsible to pay in the event of a collision claim.
Comprehensive Coverage Comprehensive coverage for the cost of repairing or replacing your vehicle up to the actual cash value if it's damaged by other unexpected situations such as falling or flying objects, vandalism, fire, theft or attempted theft, glass repair, a natural disaster, or a riot or civil disobedience less the deductible you choose.
Additional Coverages Please check any additional coverages you are interested in having included on your quote.
Most policies insured with Cheep Insurance are Agency Bill/IFS financed policies. You can determine who manages your payments by following the directions below. If you are still not sure who manages your payments, call our team as funds paid directly to the insurance company when they should go to IFS will cause large delays.