types of car insurance coverage

With Esurance, you can nab the kind of lower rates that savvy shoppers crave all while adding top-of-the-line coverage choices that will give you ultimate peace of mind.

customizing your esurance policy

One of the big advantages to our online approach is that it allows you to customize your policy at your convenience. When you get a quote, you can choose from coverage options at your leisure without a time-consuming (and headache-inducing) wait on the phone.

And if you ever want to add or remove coverage as your driving needs change, you can log in and modify your auto insurance in a snap.

required car insurance in canada

Third-party liability coverage

All Canadian drivers must have third-party liability coverage. If you ever cause an accident resulting in others' injuries or property damage, this coverage protects you from liability. Third-party liability also extends to the other drivers listed under your policy as well as anyone using your car with your permission.

The minimum amount of third-party liability coverage drivers must carry is $200,000. However, this may not be enough to safeguard your assets, savings, or income if you cause significant damage. Limits on an Esurance policy can go as high as $2 million. As a basic principle, it's usually wise to purchase as much coverage as you can comfortably afford.

other auto insurance coverages from esurance

Whether you have concerns over injuries, your vehicle, or your hard-earned savings, Esurance has auto insurance coverage that can help put your mind (not to mention that sore neck) at ease.

Accident benefits

Accident benefits coverage is included automatically when you purchase your third-party liability coverage. It can cover the following (up to your selected limits):

  • Medical bills if you or others covered under your policy are injured in a car accident.
  • Damage caused by an uninsured motorist
  • Funeral costs/death benefits
  • Disability/income replacement benefits

Family protection

We include this coverage automatically on all Esurance policies to help keep you better protected.

Family protection coverage steps in to help when an underinsured driver causes an accident and leaves you with significant bills.

For instance, say another driver leaves you with sky-high injury and property damage bills, but the at-fault motorist only has the minimum $200,000 limit. Family protection lets you apply your own liability coverage in this situation (say you have $1,000,000) to help bridge the gap. In other words, it brings the other driver's coverage level up to yours so you don't get stuck with unjust bills.

Family protection also kicks in if you or those covered on your policy are walking and get struck by an underinsured driver.

Comprehensive coverage

Comprehensive coverage helps protect you and your vehicle from non-collision risks you rarely imagine will happen (but really make you glad you have it when they do).

With Esurance, you're protected from threats such as:

  • Fire
  • Natural disasters
  • Falling objects
  • Vandalism
  • Theft
  • Animal collisions
  • Glass damage (unless you choose to limit glass coverage)

With comprehensive, you choose a deductible to pay out of pocket and we cover the rest. For instance, if your deductible is $500 and it costs $1,500 to fix your car, you'll pay $500 and we'll pay the remaining $1,000.

Typically, the higher your deductible, the lower your premium (but you'll also pay more out of pocket if something happens). Comprehensive coverage is optional; however, it could be required if you finance or lease your car.

Collision coverage

Where liability coverage helps repair other drivers' cars if you cause an accident, collision coverage is what helps get your own ride back in tip-top condition. Just like with comprehensive, you select a deductible to pay out of pocket and we take care of the rest. Collision is optional unless you lease or finance your car.

vehicle-level endorsements

Adding one or more of the following endorsements to your auto insurance can give your wallet a boost or provide that extra bit of protection against the unknown (plus they make your policy that much more wordy and impressive).

Limited glass

By selecting a limited glass endorsement, you agree to be responsible for repairs to your windshield or window if they get chipped by a rock. In return, you could enjoy a lower premium. And don't worry — Esurance will still handle glass damage from other covered risks, like theft, fire, or loose gravel.

Loss of use

It's hard to totally ease the sting of having your car stolen or put in the shop due to an accident or vandalism. But we can get darn close!

The loss of use endorsement will reimburse the cost of using a rental car, taxi service, and even public transportation while you wait for your settlement cheque to be issued. You must have comprehensive and collision in order to qualify.

Accident forgiveness

With this endorsement, we'll let you off the hook for one at-fault accident every 6 years. Even if you cause a mishap, your auto insurance rates won't go up as a result. (How sweet is that?) Any additional at-fault accidents within that time period, however, won't be excused.

Depending on the driving records and experience of you and the covered drivers on your policy, certain restrictions may apply. Give us a call at 1-888-ESURANCE (1-888-378-7262) to verify if you qualify for accident forgiveness.

Damage to rental vehicles

This endorsement extends your comprehensive and collision coverage to short-term rental vehicles you use in Canada or even the U.S. That way, you can decline the expensive insurance from the rental car company.

If a claim occurs, however, you would still be responsible for your comprehensive/collision deductible. This endorsement isn't valid in Mexico or any other country other than Canada and the U.S.

Depreciation protection

Ever buy something new, only to have it destroyed soon after? You probably wish someone would give you a magic do-over — well now someone is.

When you select this endorsement, you can take comfort knowing any new car you purchase that's totalled within the first 36 months will be reimbursed for the full purchase price. You don't have to worry about depreciation, so you can pretend the whole thing never happened.

Depreciation protection for leased vehicles

If your leased ride is damaged or totalled within 36 months of signing for it, you get back the original price of the vehicle.