We know choosing the right auto insurance can be difficult. Let us help you get the protection you need at a price you can afford with all the discounts and savings you deserve. There are many options to choose from so you can customize coverage for a perfect fit. 

Standard coverage for your car

Liability Coverage

Covers you for when you are in an accident and are legally liable for the death or injury of other people. This coverage also includes any damage to their vehicle.

Accident Benefits

Coverage for medical care or expenses that you or your passengers require after the accident (e.g. medical rehabilitation, income replacement, or caregiver benefits).

Direct Compensation - Property Damage

Compensation for when your vehicle is damaged in an accident caused by a third party.

Uninsured Automobile Coverage

Protection for you and your family against injury or death by a hit-and-run or uninsured driver.

Optional coverages

Every situation is unique. So you can customize your policy with additional coverage options for the protection you need.

Collision Protection

When you hit another vehicle or object, this policy will cover your car’s repair expenses.

Comprehensive Coverage

Protects your car against damage from other claims such as theft, vandalism, falling objects or even windshield cracks.

Temporary Vehicle Replacement

Keep driving while your vehicle is being repaired or replaced after a claim.

Conviction Protector

Protect against an increase in your rates if you receive a minor conviction like a speeding ticket.

Roadside Assistance

Unique to Aviva, this coverage follows the vehicle and not the driver.

All Perils

Coverage that combines Comprehensive and Collision under one deductible. Some All Perils policies include added coverage (e.g. theft from a family member).

Insurance for Non-owned Vehicles

This endorsement provides coverage to repair or replace non-owned vehicles (e.g. rental cars). Many insurers offer this coverage so that you don’t need to take the rental car insurance at the counter.

Disappearing Deductible

You can save hundreds of dollars with the Disappearing Deductible added to your policy before you suffer a claim. This endorsement reduces your deductible by 20% for every year you go without a claim. After 5 years without a claim, you’ll pay no deductible. It’s included as part of the Worry Free Bundle.

Accident Protector

A special coverage for drivers who have earned perfect driving records. Should you be involved in an at-fault claim with this endorsement on your policy, you’ll keep the exact same driving record on your renewal. Included as a part of the Worry Free Bundle.

New Car Guarantee

Sometimes referred to as a Limited Waiver of Depreciation. Say you have just bought a brand new vehicle. A couple years later you’re in a collision and your car is a total loss. This coverage will replace your vehicle with the new model, even if it’s more than the original price you paid.


Are you covered if you provide ride-sharing services like Lyft or Uber? This endorsement ensures you are covered for part-time drivers who carry paying passengers.

Worry Free Bundle

Combines the Accident Protector, Disappearing Deductible, Temporary Vehicle Endorsement, and Insurance for Non-owned Vehicles endorsements at a reduced rate for great value.

Protect your car for less

We offer multiple discounts and endorsements that make our otherwise competitive insurance rates even more affordable.

  • Combined Policy Discount: Save up to 15% when you bundle your home and auto insurance
  • Winter Tire Discount: To reward safe winter driving, we offer savings on your auto insurance premium if your car is equipped with four winter tires.
  • Conviction Free Discount: Receive up to 15% discount if all drivers of your vehicle have no driving convictions in the past 3 years
  • Automatic Emergency Breaking (AEB) Discount: An industry first – receive up to a 15% discount if your vehicle is equipped to detect and automatically break for obstacles directly in front of it.
  • Multi-Vehicle Discount: Everyone at your address can save up to 20% on their car insurance when you insure them together
  • Disappearing Deductible: After five years of claim-free driving, your deductible could be $0
  • Loyalty Discount: If you were continuously insured with your previous insurer, you could be eligible to save on your auto insurance premiums
  • Retiree: Special discounts for retirees who are 65+

Do you have any questions? Give us a call at 1.800.461.4099 and we’ll help answer them.

Note: Coverage and discounts are subject to change and may vary by insurance provider. To qualify for “optional coverage and discounts”, you must meet the special eligibility criteria. Make sure to talk to a broker to confirm coverage options and discounts that are right for your policy. Available only in Ontario.