When it comes to securing auto insurance in Canada, many drivers opt for policies that come with additional add-ons and riders. These enhancements provide extra coverage tailored to individual needs, ensuring you're protected in various scenarios. This article explores some of the top auto insurance companies in Canada that offer the best add-ons and riders to help you make an informed decision.
1. Intact Insurance
Intact Insurance is one of Canada's leading providers, offering a range of customizable add-ons. Notable options include:
- Rental Vehicle Coverage: If your car is in the shop, this add-on helps cover the cost of a rental vehicle.
- Collision and Comprehensive Coverage: Extra protection against damages caused by collisions and other unforeseen events.
- Roadside Assistance: Provides emergency services like towing and lockout assistance, ensuring you’re never stranded.
2. Aviva Canada
Aviva is recognized for its innovative and flexible insurance solutions, including various riders that enhance basic coverage:
- Extended Coverage for Personal Belongings: Protects personal items inside your vehicle, essential for those carrying valuable items.
- Accident Forgiveness: A rider that prevents your first accident from affecting your premium, offering peace of mind.
- New Car Replacement: If your car is written off shortly after purchase, this coverage replaces it with a new model.
3. Wawanesa Insurance
Wawanesa Insurance is known for its comprehensive products with some fantastic add-on options:
- Endorsement for Custom Equipment: If you've customized your vehicle, this rider covers modifications beyond the factory specifications.
- Loss of Use Coverage: Offers reimbursement for alternative transportation expenses if your car is inoperable due to a covered loss.
- Personal Liability: Provides added peace of mind with increased liability coverage in case of accidents.
4. State Farm Canada
State Farm offers a variety of options to strengthen your auto insurance policy:
- Roadside Assistance Plan: This option ensures you have 24/7 assistance for any roadside emergencies.
- Pet Injury Coverage: Protects your furry friends by covering veterinary expenses in case of an accident.
- GAP Insurance: This add-on covers the difference between your vehicle's actual cash value and the balance you owe on your car loan.
5. Desjardins Insurance
Desjardins is well-regarded for offering a number of beneficial riders:
- Alternative Transportation Coverage: Compensates the cost of getting around if your vehicle is being repaired.
- Winter Tire Discount: A discount for drivers who use winter tires, promoting safety and cost savings.
- Extended Coverage for Family Members: Offers additional coverage for family members using your vehicle during an accident.
Conclusion
Choosing the right auto insurance company and understanding available add-ons and riders is essential for a comprehensive protection plan. Each insurer presents unique options, providing customers with flexibility and customization according to their specific needs. Review your requirements carefully, and consider these top Canadian auto insurance companies to find the best add-ons and riders that can enhance your coverage.
