CIBC Auto Insurance

Manage your auto insurance account online

Coverage that goes the distance in protecting you and your vehicle
CIBC Auto Insurance
  • Affordable insurance for mandatory and optional coverages
  • Convenient 24/7 claims service that’s just a phone call away
  • CIBC Home and Auto Insurance program is underwritten and distributed by:
    • Certas Direct Insurance Company in Ontario
    • Underwritten by The Personal General Insurance Inc. and distributed by CIBC Insurance Agency Inc. in Quebec
    • The Personal Insurance Company in all other provinces and territories

Get rewarded for how you drive with the new CIBC Insurance DriveSmart™ program. You could be eligible for up to 25% in savings on your auto insurance. Only available in OntarioOpens a new window in your browser and QuebecOpens a new window in your browser

You could save more than $500
Switch both your home and auto insurance to The CIBC Home and Auto Insurance Program.*

When you select “Get a Quote” you will leave cibcinsurance.com and be taken to the insurer’s secure site. Please review the insurer’s privacy and security policies.

You can get a quote on the insurer’s secure site for the CIBC Home and Auto Insurance Program.

or get a quote and buy at 1-855-964-2082

Vehicle Types

Auto insurance to protect your vehicle

If you are involved in an accident or any other type of incident that causes damage or injury, CIBC Auto Insurance can protect you from the losses you may incur, whether or not you are liable.

There are coverage options available beyond those required by provincial laws to give you greater flexibility with your protection. Competitively priced auto insurance solutions for a variety of vehicle types, including:

  • Car
  • Minivan
  • Pickup truck
  • SUV
  • Snowmobiles
  • RVs
  • Motorcycles

When you select “Get a Quote” you will leave cibcinsurance.com and be taken to the insurer’s secure site. Please review the insurer’s privacy and security policies.

You can get a quote on the insurer’s secure site for the CIBC Home and Auto Insurance Program.

or get a quote and buy at 1-855-964-2082

Coverage

The protection you need, plus the customization you want

Canadian provincial laws require minimum auto insurance coverage, but most automobile owners add more coverage to meet their needs. Your auto insurance coverage may vary depending on the province you live in.

Select your
home province

Mandatory Coverage for

Auto insurance in is provided by a government-run insurance company.

Third Party Liability

Provides coverage when a policyholder or insured driver is responsible for an automobile accident:

  • That results in property damage, or
  • Where someone is injured or killed

By law you must have at least $200,000$500,000 in third party liability coverage, but most people choose $1 million or $2 million.

Accident Benefits

Provides coverage for:

  • Medical, rehabilitation and funeral expenses
  • Death and loss of income benefits

Increase your Accidental Benefits coverage with:

  • Optional income replacement benefits
  • Optional medical, rehabilitation and attendant care benefit
  • Optional death and funeral expense benefit
Direct Compensation Property Damage (DCPD)

Your vehicle is protected in case of an accident that takes place in , and is not entirely your fault. This means you call your claims department at your insurance company. Because this coverage is mandatory, it is automatically included in the calculation of your premium.

Uninsured Automobile Coverage

Protects you in the event the accident is caused by an uninsured driver. For example:

  • If you are injured or killed by an uninsured motorist or by an unidentified driver
  • If you are injured or killed by an uninsured motorist or by a hit-and-run driver
  • Damage to and loss of use of the insured automobile and its contents, when the result of an accident is caused by an identified, uninsured motorist
Civil Liability

You’re covered up to the amount specified in your insurance policy:

  • If you accidentally damage someone’s property
  • If you accidentally injure someone and coverage is not provided by the SAAQ

By law, you must have at least $50,000 in civil liability coverage for your auto insurance, but most people choose $1 million or $2 million.

Optional Coverage for

Vehicle Damage
  • Collision and upset
  • Protects you against damage caused to your vehicle when:

    • Your car hits a person, an animal, an object or another vehicle
    • Your car rolls over

    This protection may be required if your vehicle is leased or purchased with financing.

  • All perils other than collision or upset
  • Protects you against loss or damage to your vehicle, other than collision or upset, such as:

    • Theft
    • Vandalism
    • Glass breakage
    • Fire
    • Earthquakes
    • Floods
    • Hail

    This protection may be required if your vehicle is leased or purchased with financing.

  • Collision
  • Protects you against damage caused to your vehicle when:

    • You are at-fault for an accident
    • Your car hits an object
    • Your car rolls over

    If your vehicle is leased or purchased with financing, you may be required to purchase this coverage.

  • Comprehensive
  • Protects you against loss or damage to your vehicle that is beyond your control, other than collision or upset, such as:

    • Theft
    • Earthquakes
    • Explosions
    • Missiles, flying or falling objects
    • Fire
    • Wind storms
    • Floods
    • Vandalism
    • Riots or disturbances of the peace
    • Hail
    • Lightning

    If your vehicle is leased or purchased with financing, you may be required to purchase this coverage.

Vehicle Replacement
  • Travel costs (broad form)
  • Coverage is for transportation expenses when your vehicle isn’t drivable after an accident or the theft of your vehicle covered by your policy. Be reimbursed for:

    • A rental replacement vehicle
    • Taxi or public transit fare when your vehicle is being repaired or replaced
    • Additional cost of meals and accommodation if the loss occurs during a trip

    This coverage is included in the Worry-Free Option

  • Replacement Cost
  • Protects your new vehicle against depreciation for up to 5 years:

    • In the event of a total loss, your vehicle will be replaced with a new one with the same features, equipment and accessories.
    • In the event of a partial loss, any parts that cannot be repaired will be replaced with brand new ones.
  • Value Plus Option™
  • Protects the value of your used vehicle in case of damage or total loss for up to 5 years:

    • In the event your car is stolen and not recovered, or is written off in an accident, according to the option you’re eligible for under your insurance policy, you'll get compensation equivalent to:
      • the price you paid for your car, increased by an annual percentage; or
      • the value of your car at the time of the loss, increased by an annual percentage.
    • In the event your car is damaged, the damaged parts will be repaired or replaced with no deduction for depreciation (up to $1,000).
  • CAE No1 Conditionally Approved Endorsement / 5-Year New Vehicle Protection
  • Protects your vehicle against depreciation for up to 5 years:

    • In the event of a total loss, your vehicle will be replaced with a new vehicle
    • In the event of a partial loss, your vehicle will be repaired with new parts
  • Loss of Use
  • Coverage is for transportation replacement costs when your vehicle isn’t drivable after a loss or damage covered by your policy. Be reimbursed for:

    • A rental replacement vehicle
    • Taxi or public transit fare when your vehicle is being repaired or replaced as a result of a loss or damage covered by your policy

    This coverage is included in the Worry-Free Option

    If you buy or lease a new car, your car will be replaced within the first 2 years if it is:

    • Stolen (and not recovered), or
    • Written off in an accident
Cost-savings
  • Accident-Free Protection
  • Your premium won’t increase on your first at-fault accident as long as the Accident-Free Protection remains on your car insurance policy. Certain conditions apply.

  • $0 Deductible Option
  • No deductible payment is required when you make a claim – whether you are at-fault or not. Certain conditions apply.

Convenience
  • Civil liability resulting from damage caused to vehicles of which named insured is not owner (including vehicles provided by an employer)
  • Covers you if you damage a short-term rental or a borrowed private passenger vehicle, trailer or camping trailer anywhere in Canada or the United States.

    • Depending on the type of vehicle you rent, you may not need the insurance offered by the rental company.

    This coverage is included in the Worry-Free Option

  • Worry-Free Protection
  • A special package that combines the most popular optional coverage, such as Travel costs (broad form) and Civil liability resulting from damage caused to vehicles of which named insured is not owner (including vehicles provided by an employer).
    You’re covered if:

    • You borrow or rent a private passenger vehicle or trailer for a short period of time – coverage is up to $100,000 for vehicle damage
    • Your car is stolen or is off the road following an accident that is covered – coverage is up to $1,500 for transportation expenses (e.g., car rental or taxi) and up to $750 for certain expenses such as additional cost of meals and accommodation when the loss occurs during a trip
    • There’s a death as a result of an auto accident – coverage is $15,000 for you or your spouse
    • Your car is declared a total loss or if you are the victim of a hit-and-run – there’s no deductible to pay
  • Family Protection
  • Provides additional protection for eligible claimants in the event of injury or death caused by an underinsured motorist. The coverage is the difference between your Family Protection limit, as per the terms of your policy, and the liability insurance limits of the other, at-fault driver.

    Example: Robert was involved in an automobile accident that caused $800,000 in damages. John, the driver responsible for the accident, was covered up to $500,000. Fortunately, Robert had added $1,000,000 in Family Protection coverage to his policy, which covered the $300,000 difference between the damages and the at-fault driver’s coverage.

  • Liability for Damage to Non-Owned Automobiles
  • Covers you if you damage a short-term rental or borrowed automobile or trailer anywhere in Canada or the United States.

    • Rental vehicle must be for personal use
    • Depending on the type of vehicle you rent, you may not need the insurance offered by the rental company

    This coverage is included in the Worry-Free OptionTrouble-Free Option®

  • Worry-Free OptionTrouble-Free Option®
  • A special package that combines the most popular optional coverage which are Loss of Use, Liability for Damage to Non-Owned Automobiles and Emergency Road Service.

    Emergency Road Service: With the receipts of expenses and acceptable evidence of loss, we will reimburse up to a maximum of $50 per occurrence for towing and emergency service expense necessitated by the disablement of the automobile. It does not apply to cost of parts or supplies, gasoline, oil, batteries or tires.

When you select “Get a Quote” you will leave cibcinsurance.com and be taken to the insurer’s secure site. Please review the insurer’s privacy and security policies.

You can get a quote on the insurer’s secure site for the CIBC Home and Auto Insurance Program.

or get a quote and buy at 1-855-964-2082

Savings

Savings to help you keep more money in your pocket

CIBC Insurance DriveSmart™ program

Interested in learning about your driving habits and being rewarded for how you drive? With the DriveSmart mobile app, you could be eligible for up to 25% in auto insurance savings!

CIBC Insurance DriveSmart™ program

Interested in learning about your driving habits and being rewarded for how you drive? With the DriveSmart mobile app, you could be eligible for up to 25% in auto insurance savings!

Winter Tires Discount*: 5%

To reward safe winter driving, you are eligible for a 5% savings on your auto insurance premium if your car is equipped with 4 winter tires. Be sure to mention it when requesting a quote.

Hybrid Vehicles Savings*Discount: 15%

Do you drive a hybrid vehicle? You could be eligible for additional auto insurance savings.You could be rewarded with a 15% discount on your auto insurance premium for your environmental awareness.

Multi-Vehicle Discount*: 10%15%up to 15%up to 7.5%

You can save 10%15%up to 15%up to 7.5% on your auto insurance when you insure more than one automobile. And save 10% off your recreational vehicle insurance if you insure your car with us or if you insure multiple recreational vehicles with us.

Loyalty Savings*

If you were continuously insured for 5 years or more with your previous insurer, you could be eligible to save on your auto insurance premiums.

Loyalty Savings*

If you have been continuously insured for 5 years or more by one insurer, you may be eligible to save on your auto insurance premiums.

Fuel-Efficient Vehicle*: 10%

Do you drive a fuel-efficient vehicle? Be rewarded by saving 10% on your auto insurance for your environmental awareness.

Multi-Line Discount: up to 10%

A great way to save even more on your insurance premiums is to insure both your home and auto together. Whether you own your home or rent, have a boat or a cottage, you can take advantage of this opportunity and save.
We also offer coverage on:

Save up to 10% when you insure both your home and auto insurance together. Plus, get the Worry-Free Option at no extra charge. Whether you own your home or rent, have a boat or a cottage, you can take advantage of this opportunity and save.
We also offer coverage on:

  • House or apartment/condominium unit
  • Seasonal/vacation home
Student RatesYouth Discount

A preferred rate is offered exclusively to principal drivers who are less than 25 years of age and are full-time students at college or university or college/university graduates.

Fully Electric Vehicle: 20%

Do you drive a fully electric vehicle? Be rewarded for your environmental awareness.You could be rewarded with a 20% savings for your environmental awareness.

Anti-Theft System Discount**

Get a discount on your auto insurance by equipping your vehicle with an approved anti-theft system.

Student Discount: 10%

Enjoy additional savings if you are a college or university student or recent graduate under 25.

Legal:
*Certain conditions apply
**Contact us for information about eligible systems

When you select “Get a Quote” you will leave cibcinsurance.com and be taken to the insurer’s secure site. Please review the insurer’s privacy and security policies.

You can get a quote on the insurer’s secure site for the CIBC Home and Auto Insurance Program.

or get a quote and buy at 1-855-964-2082

Get a Quote

Get a quote with an insurance agent

Call 1-855-964-2082 and have the following information handy:

Your driving history and that of other drivers you wish to insure
  • When you got your driver’s license
  • Which type of license you have, e.g. motor vehicle or motorcycle license
  • Details about any accidents or traffic violations
  • When you became a principle driver and when you were insured
Your vehicle(s)
  • The year, make, and model of the vehicle(s) to be insured
  • Whether the vehicle(s) is purchased or leased
  • When you would like the insurance to start
  • Any optional coverage that you would like to add

When you select “Get a Quote” you will leave cibcinsurance.com and be taken to the insurer’s secure site. Please review the insurer’s privacy and security policies.

You can get a quote on the insurer’s secure site for the CIBC Home and Auto Insurance Program.

or get a quote and buy at 1-855-964-2082

Claims

Always available and ready to help

If you were involved in a car accident, use the online claim tool to:

  • File a claim following a major or minor collision, hit-and-run, fire, theft, vandalism and more
  • Check your coverage, liability and applicable deductible depending on the event that occurred
  • Book an appointment with one of the claims network’s body shops

Register or sign on now to file your claim online. For more information, review the Claims page, or call us to make an auto insurance claim at 1-855-964-2082.

Claims emergency assistance is available 24 hours a day, 7 days a week. Get help with the process from knowledgeable claims advisors.

Call toll free at
1-855-964-2082

Manage your auto insurance account online

Questions?

Enter your question in sentence form, e.g.: What types of insurance does CIBC offer?

Terms and Conditions

*306 new CIBC Home and Auto Insurance Program customers were surveyed between April 7, 2016 and April 28, 2016 and reported an average savings of approximately $528.00. Savings amounts are not guaranteed; actual savings from switching insurance programs will vary depending on an individual’s circumstances and insurance profile.

CIBC Insurance Agency Inc. is proud to bring you the CIBC Home and Auto Insurance program. The program's insurance products are underwritten and distributed by Certas Direct Insurance Company in Ontario and by The Personal Insurance Company in all other provinces and territories except Quebec. In Quebec, the Program is underwritten by The Personal General Insurance Inc. and distributed by CIBC Insurance Agency Inc. CIBC Insurance Agency Inc. receives compensation when a policy is sold or renewed.

Certain products and services may not be available in all provinces and territories. Products, services and/or their features promoted in this website may change or be discontinued at any time without notice. In case of discrepancy between the information provided on this website and your policy, your policy prevails. The information and examples provided on this website are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance advisor before acting. Your policy contains conditions, exclusions and limitations which vary by province or territory and may affect your coverage and/or determine whether or not benefits will be payable.

As with all insurance contracts, loss or damage coverage is subject to limits, deductibles and exclusions. Please see your policy for the extent of your coverage.