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Car Insurance

Get a second chance and protect your good driving record

Get the coverage that helps you protect your record should you have an at-fault or partially at-fault accident.

Frequently asked question

Avoid having your car insurance rates adjusted.

Are you concerned about the impact of an accident on the cost of your insurance? Our affordable coverage ensures your auto insurance rates don't go up if you have an at-fault or partially at-fault accident.

Here's how the coverage works.

If you've been accident-free for the last 6 years, we'll "forgive" you for your first accident. This means that when you renew your car insurance policy, your rates won't be adjusted based on that accident. It's a great way to reward yourself for an excellent driving record.

Who's eligible?

  • You must have an auto insurance policy with us and satisfy its conditions.
  • You must be licensed and accident-free for the preceding 6 years.
  • Keep in mind that our coverage is for private passenger automobiles only.
  • If you change your vehicle, this won't have an impact on your eligibility.

Being in an accident is always stressful, but knowing it may not affect your car insurance is reassuring!

In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.


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