| Coverage |
Basic plate coverage |
Commercial Auto Pak coverage |
| 3rd-party liability |
$200,000 |
Options: $1 million or $2 million (higher limits available upon request) |
| Family security |
Not available |
Matches 3rd-party liability option up to $2 million |
| Damage to your licenced vehicle |
You pay first $700 to $15,000 on commercial licensed vehicles; pay first $700 on personal vehicles |
Deductible options on commercial plates vary from $100 to $15,000 |
| Damage to unlicenced vehicles |
Not available |
Commercial deductible options vary according to values starting at $500 |
| Vehicles you do not own (Non-owned) |
Not available |
Various coverage options available upon request |
| Road hazard glass |
You pay first $700 to $2,500 depending on licence class |
Options to reduce your deductible: $100, $200, $250 or $350 |
| Replacement cost |
Not available |
Available on new commercially-plated sport utility vehicles, vans and trucks, 1-ton and less with no permanently attached equipment (some restrictions will apply) |
| Loss of use of your vehicle |
Not available |
| Commercial |
Options |
| Light trucks |
$1,000, $2,000, $4,000, $8,000 |
| Heavy trucks |
$2,000, $4,000, $8,000, $12,000 |
|
| No Fault Coverage* |
Basic plate coverage |
Auto Pak coverage |
| Income benefits |
Pays 90% of a formula net income, subject to a maximum gross income of $79,273 (2011), which is indexed. |
Pays the 10% of net income not covered under licence insurance, plus a formula net income in excess of licence plate insurance. Matches 3rd-party liability limits to $2 million. |
| Death benefits |
Pays 50% of income benefit the deceased would have been entitled to had they lived, plus 5% for each dependent under age 21. Benefit paid to spouse. |
Pays any additional amounts required to bring spouse's payments up to 50% of deceased's net income and 5% of net income for each dependent. |
| Education allowance |
Pays up to $41,942 (2011) for education and training for homemaking spouses. |
Pays up to an additional 50% in excess of licence plate insurance. |
| Funeral expense |
Pays $9,148 (2011) |
Pays up to an additional 50% for actual expenses over licence plate insurance amount. |
| Tort Coverage* |
Basic plate coverage |
Auto Pak coverage |
| Income benefit |
Pays up to $18,720 (2011) annually. Maximum $360 per week for totally disabled and $180 per week for partially disabled. Maximum 104 weeks. |
Pays an additional 25% of the weekly income benefit paid by the licence plate insurance amount. Maximum 104 weeks. |
| Death benefits |
Pays 45% of the deceased's net income to spouse, subject to maximum annual income allowed. Plus 5% for each dependent under age 21. |
Pays an additional amount required to bring the spouse's payments up to 50% of the deceased's net income, subject to the maximum annual income allowed. Pays any additional amounts required to cover up to 5% of the deceased's net income for each dependent. |
| Funeral expense |
Pays $5,962 (2011) |
Pays up to an additional 50% for actual expenses over licence plate insurance amount. |
*Injury payments follow your choice of injury protection under your basic licence plate insurance.
