Auto Insurance

Car Insurance

You can buy Auto Insurance through various channels. It is up to you to decide if you want your Automobile Insurance needs met through insurance call centres of multi-nationals, or the option of meeting your Auto Insurance needs through a local independent insurance broker.

It does not matter whether you decide today or later- your best Automobile Insurance will always be through a licensed independent insurance broker.We can assure you that we have appropriate coverage for your Auto Insurance through financially sound and caring Automobile Insurance companies.

We will help you understand your Automobile Insurance and the options available to meet your needs, with our premiums being very comparative. Moreover, we will get you quote from multiple companies to keep your options open.

Coverage under Auto Policy

Ontario automobile insurance is one of the best policies available across North America, if not the entire world.

Liability (Bodily Injury & Property Damage)

Protects you and any legally licensed person driving your car with permission against lawsuits or legal action resulting from the use or operation of the insured vehicle.

Accident Benefits

Provides benefits that you and other insured persons are entitled to receive in the event of an automobile accident causing injury or death. Includes payments for reasonable medical expenses, income replacement, caregiver expenses, rehabilitation expenses ,and other expenses resulting from an auto accident.

There are important changes to this part of the Ontario Auto Insurance Policy. Click here for more details and talk to your broker about your coverages.

Collision

Covers your automobile for damage resulting from upset or collision with the ground or other object.

Comprehensive

Covers your automobile for damage caused by perils other than collision, such as fire, theft and vandalism.

Additional Coverages

There are important changes to this part of the Ontario Auto Insurance Policy. Click here for more details and talk to your broker about your coverages.

Loss of Use (OPCF20)

Provides a specified limit for a rental vehicle while your vehicle is not in use as a result of a collision or comprehensive claim.

Increased Accident Benefits

Standard policy limits may not adequately protect you and your family. Aaxel Insurance Professional can help you determine if increasing limits are right for you.

Non-Owned Automobile Extension (OPCF 27)

Covers for physical damage to a rental vehicle for you and other insureds.

Accident Protection Waiver (OPCF39)

Protects your driving record and policy rating in case you are involved in an at-fault auto accident.

Removal of Depreciation Coverage ( OPCF 43)

If you bought a new vehicle with "Zero" mileage and it is not a demo vehicle, OPCF 43 protects you against depreciation in case of a total loss within 2 years. Some companies offer coverage up to 4 years as well.

Lienholder Protection (OPCF23A)

If your vehicle is financed OPCF23A is added to your policy to protect the interests of the lender.

Lessor Protection (OPCF 5)

If your vehicle is leased OPCF 5 is added to your policy to protect the interests of the lessor.

User Based Insurance

What is Usage-Based Insurance and How Will It Save Me Money?

Telematics are changing traditional auto insurance policies.

Have you not heard about how you can save on your auto insurance with telematics? Don't worry; you're not the only one. Telematics, or usage-based insurance (UBI), involves plugging wireless device into your car to gauge your driving habits. Connecting your My Driving Discount device is as easy as finding your On Board Diagnostics (OBD) port, which is usually under the dashboard, close to the steering column, at about the level of your feet.

By participating in the My Driving Discount program offered by Intact, you will be monitored for the following:

• Sudden Braking
• Abrupt Acceleration
• Time and Distance DrivenThis data will be used to determine your personalized discount. This not only rewards good drivers with lower insurance rates but encourages better driving habits. Clients who enroll in the My Driving Discount program will save 5% immediately on their auto insurance with Intact and up to 25% at the time of their next renewal depending on your driving behaviour.

For more information about the My Driving Discount, please call our office at 1-866-358-2860 We are very confident that Aaxel Insurance is the right choice for your Auto Insurance needs. We ask that you please feel free to contact our licensed Auto Insurance Brokers at 1-866-358-2860 or Contact us.