Once you select the Base Total Loss Benefit that is right for you, you can add any combination of additional coverages:

Key Fob Reimbursement Benefits
Key fobs can be expensive to replace. With this coverage Optiom Prime will reimburse you the cost to replace it should you lose it, up to $500 (one-time only benefit request).

Partial Loss Deductible Reimbursement Benefit
This benefit is designed to help offset the price of your deductible in an accident. Optiom can reimburse your deductible up to $500 every time you owe one to your primary insurer.

Rental Vehicle Reimbursement Benefit
Having a rental vehicle available to you when you’re looking for a new ride is a major benefit. If the rental vehicle coverage provided by your primary auto insurance policy ends before your vehicle is repaired or replaced, Optiom Prime will reimburse the continuing rental vehicle cost until the repairs or replacement are completed, up to $1,500 per year.

Diminished Vehicle Value Benefit

If, through no-fault of your own, your vehicle gets damaged (vandalism, hail damage, or a hit-and-run collision) and it is fully repaired, on resale your vehicle is worth significantly less because it has an accident on record. Optiom Prime will pay a fixed amount if repairs exceed more than 25% of the declared value of the vehicle at the time of the accident and help recover some of the value that you’ve lost.

Your vehicle is a great asset to you. Make sure that you have the right coverage in place to protect its value. Optiom Prime provides month-to-month coverage up to 84 months with no interest charge, and offers broad vehicle eligibility with coverage available to everyone regardless of their age, driving abstract or driving history.  Everyone qualifies as long as they carry full collision and comprehensive primary auto insurance, regardless of if they are new to Canada, a new driver, or have a poor driving abstract.