Smart Auto Benefits

AutoPlus - Includes Everything in AutoStandard plus


  • Emergency Roadside Assistance - increased to $250 per occurrence with no annual limit
  • Excess Underinsured Motorist Protection
  • First Accident Forgiveness
  • Destination Protection
  • Loss of Use and Travel Protection
  • Rental Vehicle Coverage
  • Lock Re-Keying limit of $1000 per occurrence, and no deductible applies
  • Family World Wide Transportation



  • Emergency Roadside Assistance - up to $50 per occurrence, higher limits available
  • No Deductible for Fire, Lightning, or Theft of the Entire Vehicle
  • Discounts for Electronic and Mechanical Immobilizers

Optional Coverages

  • Replacement Cost for Vehicles - up to 3 Years Old
  • Excess Third Party Legal Liability
  • Emergency Roadside Assistance - per occurrence limit of $250
  • Excess Underinsured Motorist Protection
  • Loss of Use and Travel Protection
  • Rental Vehicle Coverage

First Accident Forgiveness

Auto Plus - We realize that a first accident can be a stressful experience. The last thing a person needs is to have their insurer penalize them for an at fault accident, and we understand this. That is why we do not apply any kind of penalty and do not increase premiums for first time, at fault accidents.

What if I have a claim?

The claims department is dedicated to offering fair, timely, and compassionate claims service that is unsurpassed in the industry. The claims dep't comprehensive service includes:

  • Assistance with Liability Negotiation
  • Convenient Claims Handling
  • 24 Hours Emergency Claims Service
  • Authorized Direct Repair Facilities

Direct Repair Facilities

What is a Direct Repair Facility?

We select our Direct Repair Facilities (DRFs) with you in mind. Every DRF is inspected to ensure that they surpass industry standards and meet the high levels of quality and service you expect. DRFs are authorized to appraise the damage on your vehicle and are able to initiate repairs almost immediately. If you have purchased Loss of Use coverage, they can also arrange your rental vehicle for you as well. For your convenience, DRFs are available across Canada.

Although you are not required to use one of our DRFs, repairs made at a DRF hold a lifetime guarantee, for as long as you own your vehicle.

For more information

Please contact us for more information, or for a more personal experience, come in to the office to speak with one of our friendly and knowledgeable insurance specialists.