Motor Insurance
Surprisingly Simple!
With easy-to-compare insurance plans that provide you with the choices you need, you’ll be on the road in no time. You can select from any of our three Comprehensive coverage plans. These insurance plans ensure you are protected against loss or damage to your vehicle due to an accident and include third party coverage as well. We also offer Third Party coverage options which protects you against the claims of third parties resulting from an accident caused by your vehicle.
Surprisingly Affordable!
Comprehensive options range from the Essential Plan which provides basic coverage, to the Ultimate Plan which provides you with the maximum protection available.Third Party plans include the Basic or Basic Plus options which provides insurance coverage against loss or damage due to fire or theft.
Benefits
Discover the benefits of a ScotiaProtect policy…
Comprehensive Motor Insurance Policy Benefits
| Coverage | Essential | Preffered | Ultimate |
| Third Party Liability Coverage Bodily Injury (per person) |
$3,000,000 | $5,000,000 | $10,000,000 |
Third Party Liability Coverage |
$5,000,000 |
$5,000,000 |
$10,000,000 |
Third Party Liability Coverage |
$3,000,000 |
$5,000,000 |
$10,000,000 |
Manslaughter |
$500,000 |
$500,000 |
$500,000 |
Windscreen (2 per policy period) |
$100,000 |
$250,000 |
unlimited |
Wrecker |
$30,000 |
$50,000 |
$50,000 |
Personal Accident |
$100,000 |
$250,000 |
$500,000 |
Medical Expense |
$10,000 |
$25,000 |
$30,000 |
Personal Belongings |
$2,500 |
$2,500 |
$10,000 |
Authorized Repairs |
$10,000 |
$10,000 |
$10,000 |
Electrical Breakdown |
No |
No |
$50,000 |
Key Replacement |
No |
No |
$20,000 |
Uninsured Motorist Benefit |
No |
Yes |
Yes |
Replacement Vehicle Hire |
7 days |
7 days |
14 days |
Policy Excess (% of market value) |
Standard - 5%
|
||
Essential plan – Includes standard policy benefits and limits at the most affordable cost
Preferred plan – Includes all policy benefits of the Essential plan with additional value-added benefits and higher limits
Ultimate plan - Includes all policy benefits of the Preferred plan with even more additional value-added benefits and higher limits
Third Party Motor Insurance Policy Benefits
Coverage |
Basic |
Basic Plus |
Third Party Liability Coverage Bodily Injury (per person) |
$1,500,000 |
$2,000,000 |
Third Party Liability Coverage Bodily Injury (per event) |
$3,000,000 |
$4,000,000 |
Third Party Liability Coverage Property (per event) |
$1,500,000 |
$2,000,000 |
Manslaughter |
$100,000 |
$250,000 |
Windscreen |
No |
$20,000 |
Wrecker |
No |
$15,000 |
Roadside Assistance |
No |
Yes |
Essential plan – Includes standard policy benefits and limits at the most affordable cost
Preferred plan – Includes all policy benefits of the Essential plan with additional value-added benefits and higher limits
Ultimate plan - Includes all policy benefits of the Preferred plan with even more additional value-added benefits and higher limits