Auto insurance

Personal vehicles

Auto insurance has different features, depending on whether you have No Fault Coverage or Tort Coverage. For detailed information on each of these insurance types and their differences, visit SGI’s personal auto injury insurance page.

The following features are automatically included in your SGI CANADA Auto Pak policy at no extra cost.

14-day coverage

When you have all your vehicles insured with us, we provide 14 days of coverage for newly acquired vehicles, giving you time to contact your broker and add the vehicle to your policy.

Campers and toppers

A slide-on camper, topper or recreational rack or deck used with your vehicle is covered for the same type of loss as your vehicle, whether it is on or off the vehicle. The deductible you select for your vehicle applies to campers and toppers.

Deductible waiver

Your deductible may be waived for losses caused by fire, lightning and hitting an animal or bird (subject to policy conditions).

Non-owned driver’s coverage

Unique to our Auto Pak policy, this coverage provides you, your spouse and children in your care with coverage while driving a vehicle you don’t own. For details, review our information on non-owned driver's coverage.

Unregistered trailer coverage

When your trailer isn't registered, you may obtain continuous storage coverage through our Auto Pak policy provided your trailer isn't used or operated while it's unregistered. For details, review our information on unregistered trailer coverage.

Unregistered vehicle coverage

Vehicles that become unregistered for a short term are covered by your Auto Pak policy if the vehicle is in storage, provided that the loss cannot be directly attributed to any use or operation. For details, review our information on unregistered vehicle coverage.