Deductible Options:

Pay a little extra monthly to lower your deductible if you have a claim. Deductible options vary by insurer:

Replacement Cost:

Protection for 5 Years

If you’re looking for Replacement Coverage for a slightly older vehicle, ask about Optiom Pro to see if you qualify.

Glass Breakage:

Road hazard glass protection offers coverage at a lower deductible for repairing or replacing your vehicle’s glass damaged by road debris, such as stones or objects thrown up from the road or fallen from other vehicles.

This additional coverage can be purchased if you already have collision coverage under your Auto policy.

Loss of Use for Rental Vehicles: 

If you cannot drive your car due to a covered accident or if the vehicle was stolen, you may be able to get coverage from your car insurance company. Many companies offer loss-of-use coverage, which will help you get into another vehicle while your vehicle is being repaired or replaced.

Lastly, if you are renting a vehicle and it’s damaged during your rental period, you can apply for loss of use to cover downtime charges set by the rental company.

Personal Liability: 

Standard auto insurance policies typically offer liability coverage ranging from $1 million to $5 million.

If you’re in an accident where you’re found responsible for causing injury or property damage, the basic $200,000 plate limit might not be enough. This is especially important if you drive in the United States or provinces with different coverage rules than Saskatchewan’s no-fault system.

Commercial Auto: Vehicles That Need Business-Level Protection

The exposure that business owners and commercial drivers experience can far exceed that of an average driver.

Depending on your operations, carrying an additional Commercial Auto policy may be required as your plate registration doesn’t cover most business-related uses.