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Your car keeps your life moving — from taking the kids to school and sports, to running errands or getting to work.
Losing access to it can disrupt your routine and put your plans on hold. Optiom understands how important your vehicle is and helps you get back into a replacement quickly and easily if your car is totaled or stolen. This product is available for Personal Vehicles, Commercial Vehicles and seasonal vehicles.
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How Optiom insurance can protect you.
Optiom provides a more complete vehicle replacement insurance product for the everyday driver.
As vehicles become more advanced, minor accidents can lead to your vehicle being written off more easily or having costly repairs. Due to this, almost all standard insurance plans lack full coverage for the drivers they are meant to protect.
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Coverage for what’s important to you
Optiom’s wide range of products are designed to get you back on the road. Coverage is available for:
Personal Vehicles
Commercial Vehicles
Recreational Vehicles
Motorcycles
ATVs
UTVs
Snowmobiles
Coverage Highlights
Have a unique need? Reach out, and we’ll find the right coverage for you.
Optiom’s additional car replacement insurance benefits can give you even more protection such as:
- New Vehicle Total Loss Benefits
- Used Vehicle Total Loss Benefits
- Total Loss Deductible Reimbursement Benefits
- Key Fob Reimbursement Benefit
- Rental Vehicle Reimbursement Benefit
- Partial Loss Deductible Reimbursement Benefit
- Partial Loss OEM Benefit
- Diminished Vehicle Value Benefit
- Vehicle Value Appreciated Benefit
Optiom Pro is a total loss vehicle replacement product providing enhanced protection for your new, used or leased vehicle:
- Designed for commercial use vehicles including delivery operations.
- Coverage is available for vehicles five model years and newer.
- Vehicles up to 9,000 kg GVWR for much larger units.
- Coverage available for fleet operations.
Total Loss protection for your motorcycles, ATVs, UTVs, snow machines and recreational vehicles:
- Coverage for eligible units that are five model years old or newer, with a maximum odometer reading of 200,000 kilometres (if applicable).
- If you will be travelling south for the warmer months, not to worry, as your coverage is valid while the unit is used in Canada and the continental USA only.
- With Optiom Power, policies will be available for an annual term with the option to renew.
Frequently Asked Questions
Optiom is a specialty insurance provider offering supplemental vehicle insurance coverages to help protect you in the event of a partial or total loss.
Originally established in British Columbia over 15 years ago, Optiom has been expanding since then across Canada.
As a specialty insurance provider, Optiom offers unique solutions to supplement your primary auto insurance coverage. Underlying primary insurance may only pay the actual cash value of your vehicle in the event of a total loss, leaving you underinsured.