Trusted Advice

Auto Insurance

Claims Counselling

You can contact us to ask questions on any claims issue, such as a car accident or damage to your home. We will answer your questions, confirm your coverage, record the details, and provide you with relevant information to help you decide whether or not to make a claim.

Accident Forgiveness

This is an optional enhancement, which allows the principal operator to maintain a driving record 9 or 6 after one at-fault loss providing:

a) there are no surchargeable convictions associated with the loss.

b) there have been no policy violations associated with the loss.

c) the risk meets all other driving record 9 or 6 criteria.

The Driving Record Protector is deleted after the first at-fault loss and cannot be purchased again until the risk is either 9 or 6 years claims free and qualifies for driving record 6.

OPCF 43

Limited waiver of depreciation – eliminates depreciation when setting physical damage loss to new vehicles for set period of time following purchase. If your car is written off during this period you would be reimbursed the original purchase price.

OPCF 27

This endorsement will extend your policy to cover third-party liability, accident benefits, uninsured automobile and direct compensation-property damage coverage whenever driving the rented vehicle. The OPCF 27 will cover you anywhere in Canada and the continental United States. You will need to already have physical damage coverage on your auto insurance policy in order to purchase the OPCF 27.

Please call us to determine if the length of time and vehicle weight for the rental is covered under your policy.

OPCF 20

The “Loss of Use” form provides specified funds to cover the rental of a substitute vehicle in the event of insured damage to your car.

OPCF 13C

Restricting Glass Coverage in order to reduce your premium. For use with private passenger automobiles and miscellaneous vehicles. This change form restricts the Comprehensive coverage purchased for loss of, or damage to the glass of the automobile. Coverage under the Comprehensive, section applies only for loss or damage to glass caused by:
your automobile is being carried on land or water.

OPCF 16/17

Changes forms used to suspend and reinstate coverage if you are laying your vehicle up for a period of time (more than 60 days)

Liability

Liability protects you against claims made by other people for their injuries and damage to their property, up to the limits shown above. In addition, if it is necessary to go to court, as a result of your legal liability, your insurance company pays any legal and court costs. It Includes:

• Bodily Injury (limits apply)

• Property Damage (limits apply)

We recommend that our customers have $2million in third party liability. Please contact us to have this increased if you do not have $2million in third party liability.

Liability Direct Compensation

Property Damage covers damage to your vehicle when damaged in an auto accident in Ontario that is not your fault (may be subject to a deductible).

Uninsured Auto

Uninsured automobile coverage is mandatory insurance coverage in Ontario. Uninsured automobile insurance provides protection to you and your family if injured or killed by an uninsured driver or a hit and run driver. It also covers damage to your vehicle and contents caused by a driver who is been identified but is uninsured.

Collision

Collision coverage covers your own car, when you encounter physical damage to it, as a result of a collision. So if you crash into a light post, or hit another car, this insurance will pay to fix YOUR car. Coverage is optional and there are a choice of deductibles.

Comprehensive

Auto Insurance Comprehensive Coverage covers damages to your car that are not caused by other motorists. These damages include, fire, theft (of the whole car, or parts of it i.e. Stereo, Rims), damage from acts of God, such as ice storms, tornado, hail and floods. Lastly it covers if you hit a deer, or if your vehicle gets vandalized.

This type of coverage is optional and should be purchased based on the value of your car compared to your deductible.

Lend your car lend your insurance

If you lend your car to someone not insured under your policy the consequences of an accident will follow your policy and rating

Driving Class

In Ontario, there are 15 different licence classes. Each one qualifies you to drive a different type of vehicle. The class of licence you have must match the type of vehicle you are driving. A driver may hold a licence in more than one class.

For more information go to

http://www.mto.gov.on.ca/english/dandv/driver/classes.shtml

Listing Drivers

Where there is more than one vehicle and driver in a household each driver should be assigned as a principal driver for rating purposes with any additional drivers assigned as secondary or occasional drivers as appropriate.

Picking up new vehicles

A newly acquired automobile is an automobile or trailer that you acquire as owner and that is not covered under any other policy. It can be either a replacement or an additional automobile. The replacement automobile will have the same coverage as the described automobile it replaces. We will cover an additional automobile as long as:

• we insure all automobiles you own, and

• any claim you make for the additional automobile is made against a coverage we provide for all your other automobiles.

Your newly acquired automobile(s) will be insured as long as you inform us within 14 days from the time of delivery and pay any additional premium required.

Accident Benefits

To help stabilize rates, the Ontario government has implemented changes to auto insurance. Several measures are aimed to reducing fraud and abuse of the system, which increase premiums.

As your lifestyle changes, so do your coverage needs. Regular reviews of your policy will ensure you have the coverage best- suited to your lifestyle.
Please click on the link below to show the new changes as of June 1st 2016.

https://sites.google.com/a/inroadsinsurance.com/inroads2/

If you wish to increase any of these accident benefits please feel free to contact us.

Property Insurance

Claims Counselling

You can contact us to ask questions on any claims issue, such as a car accident or damage to your home. We will answer your questions, confirm your coverage, record the details, and provide you with relevant information to help you decide whether or not to make a claim.

Types of Property Insurance

Comprehensive Home Insurance. This type of insurance covers your home and its contents for all risks that are insurable. The exception would be certain natural disasters that are uninsurable.

Basic Insurance. This is also known as named perils insurance since it allows you to specify the types of hazards you want the insurance to cover. This is a cheaper option, but also results in lower levels of coverage. This type of coverage may be appropriate for a cottage or other vacation property.

Broad Insurance. This type of insurance is a combination of comprehensive and basic coverage. For example, you may have comprehensive coverage on the building itself and basic coverage on your belongings.

Sewer Back up

Your property policy covers you for any damages caused by a sudden, accidental discharge of water in your home. This includes coverage for freezing pipes and the overflow of water from public water mains carrying drinking water. If you want to be covered for damages caused by the back up of sewers, septic tanks, eaves troughs or downspouts, you should purchase the Sewer Back Up Option.

Earthquake Coverage

A basic property policy doesn’t include coverage for earthquake damage. If you live in an area that has experienced earthquakes you should seriously consider this option.

This coverage insures the premises covered by this Form against direct loss or damage caused by Earthquake. You are also covered for direct loss or damage caused by snowslide, landslide and other earth movements occurring concurrently with and directly resulting from an earthquake shock

ID Theft

One of the most valuable things you have is your identity. By identifying yourself, you’re given access to your bank accounts, credit cards, credit history, internet use and more – so it’s scary to think that your identity could be stolen or used by someone else.

Identity theft is a growing crime across Canada and the United States, usually involving credit and credit card information, but also including social insurance fraud, drivers licenses, bank accounts, mail theft, fraudulent emails (commonly referred to as phishing), and theft from company and government databases. Each year, it’s estimated that billions of dollars are lost as a result of Identity Theft. The impact not only includes direct financial loss, but also, indirectly, damage to your credit rating and reputation. It often takes months of work and substantial personal expenses to recover.

Although some credit cards provide limited protection, our leading Identity Theft package provides comprehensive protection for you and your family, including the following coverages associated with identity theft.

Enhanced Credit Card and Automated Teller coverage

Lost wages as a result of taking time off from work to get help

Legal fees

Registered mail costs

Long distance telephone charges

Notary costs for affidavits and documents

Please contact us to confirm your insurance company offers this product.