Automobile

As a Maritime driver, you’re required by law to carry a minimum amount of auto insurance. But is it enough to meet your needs?

To keep you cruising, you need insurance that will protect you from anything you might face on the road – from a collision, to the theft of your vehicle. Your ICPEI broker can tailor an auto insurance plan to give you peace of mind at a competitive cost.

Policy Highlights

Comprehensive protection at a competitive price

  • Coverage providing protection for losses resulting from a collision with another object or by an upset, such as a rollover
  • Comprehensive coverage from any event, except a collision with another object or by upset, such as a rollover
  • Coverage for specific events, such as fire, lightning, theft or attempted theft, riot, windstorm, earthquake, hail, explosion, falling or forced landing of an aircraft, or rising water or damage to your vehicle while being transported on land or water
  • Cost of extra expenses incurred by you for such things as the rental of a substitute automobile, taxi fares or fares for any other means of public transportation as a result of an insured event
  • Limited depreciation coverage for up to 30 months on qualifying vehicles

Options to extend or enhance your coverage

  • Policyholders can increase their liability coverage from the mandatory minimum of $500,000 to $2 million with our Maritime’s Finest program
Premium Discounts
Policyholders across the Maritimes may be eligible for a discount, if:

  • You insure both your home and automobile with ICPEI
  • You haven’t had any recent claims
  • You insure more than one vehicle with ICPEI
  • You’re a full-time farmer
  • You own an electric or hybrid vehicle
  • You’ve been insured with your existing broker or insurance company for the last 3 continuous years

We also offer the following discounts, unique to each of the Maritime provinces:

Prince Edward Island

  • You’re age 50 years or older and rated as the principal driver
  • You qualify as a new driver and have taken driver training
  • You’re employed by a government union or large private sector employer

New Brunswick

  • You qualify as a new driver for the First Chance Discount
  • You have 10 or more years of driving experience and are rated as the principal driver

Nova Scotia

  • You qualify as a new driver and have taken driver training
  • You have 10 or more years of driving experience and are rated as the principal driver

 

 

THE ICPEI DIFFERENCE
Good Driver Guarantee
ICPEI’s Good Driver Guarantee protects qualifying drivers from a premium increase following a single at-fault accident. Best of all, this benefit is available at no extra cost to qualified drivers. Ask your ICPEI broker if you qualify.

This product is available in these regions:

  • New Brunswick
  • Nova Scotia
  • Prince Edward Island