Additional coverage

Some forms of coverage are optional so you can customize the protection to best fit your needs.

For an additional cost, you can add any of the following to your auto policy:

Loss of use coverage

If your vehicle is stolen or damaged, and that damage is covered under your policy, we'll pay for the cost of renting a vehicle, using public transit or taking a taxi, up to the amount of coverage you've chosen.

New vehicle depreciation coverage

If you purchased or leased a brand new vehicle from a dealership, you can protect the full value of your purchase if you have a collision in the 1st months that you own the vehicle.

Optional accident benefits

Provides increased accident benefit coverage for:

	Standard benefits	Optional benefits
Income replacement	Up to $400/week	Up to $600, $800 or $1,000/week

Medical, rehabilitation and attendant care, and catastrophic impairement

Coverage	Standard benefits	Optional benefits
Medical, rehabilitation and attendant care	$65,000 (non-catastrophic); $1,000,000 (catastrophic)	$130,000 (non-catastrophic only); $1,000,000 (non-catastrophic or catastrophic)
Optional catastrophic impairment1	Not provided	$1,000,000 (without $1,000,000 optional medical, rehabilitation and attendant care); $1,000,000 (with $1,000,000 optional medical, rehabilitation and attendant care)

Optional coverage option

Coverage	Standard benefits	Optional benefits
Caregiver, housekeeping and home maintenance	Caregiver: up to $250/week plus $50 per dependant; Home maintenance: up to $100/week (catastrophic only)	Caregiver: up to $250/week plus $50 per dependant; Home maintenance: up to $100/week (catastrophic and non-catastrophic)
Death and funeral	$25,000 (eligible spouse); $10,000 (each dependant); maximum $6,000 funeral expenses	$50,000 (eligible spouse); $20,000 (each dependant); maximum $8,000 funeral expenses
Dependant care	Not provided	Up to $75/week for 1st dependant; $25/week for each additional dependant to a maximum total of $150/week
Indexation benefit	Not provided	Provides that certain weekly benefit payments and monetary limits will be adjusted on an annual basis to reflect changes in the cost of living.