Communauto | Intact Insurance

Intact Insurance is excited to partner with Communauto to provide commercial automobile insurance coverage for Communauto’s vehicles. Coverage automatically applies for Communauto members when using a Communauto vehicle.

Coverage limits and policy documents

For details on the policy limits and endorsements, please select your province below.

Description	Amount (reimbursement or deductible)
Third Party Liability	$2,000,000
Standard Accident Benefits	-
Direct Compensation – Property Damage	Deductible: $15,000 per occurrence
Loss of or Damage to Insured Automobile – Comprehensive and Collision or Upset	Deductible: $15,000 per occurrence

Link to motor vehicle liability insurance card

Description	Amount (reimbursement or deductible)
Third Party Liability	$2,000,000
Standard Accident Benefits	-
Direct Compensation – Property Damage	Deductible: $25,000 per occurrence for vehicles in the Greater Toronto Area and $15,000 per occurrence for vehicles outside of the Greater Toronto Area
Loss or Damage Coverages Comprehensive and Collision or Upset	Deductible: $25,000 per occurrence for vehicles in the Greater Toronto Area and $15,000 per occurrence for vehicles outside of the Greater Toronto Area
OPCF 44R Family Protection Coverage	-

Link to motor vehicle liability insurance card

Description	Amount (reimbursement or deductible)
Third Party Liability	$2,000,000
Standard Accident Benefits	-
Direct Compensation – Property Damage	-
Loss of or Damage to Insured Automobile – Comprehensive and Collision or Upset	Deductible: $15,000 per occurrence

Link to motor vehicle liability insurance card

Description	Amount (reimbursement or deductible)
Section A - Civil Liability Property damage and bodily injury caused to third parties	$5,000,000
Section B - Loss of or damage to insured automobile Coverage 2 Collision or upset Coverage 3 Comprehensive excluding collision or upset	Coverage 2: deductible of $15,000 per loss Coverage 3: deductible of $15,000 per loss
Q.E.F. No. 2 Vehicles driven by designated drivers which are not owned by the designated insured (Section A): Subscribers using the vehicles	-
Q.E.F. No. 5A Vehicles leased or under a contract of leasing	-
Q.E.F No. 27 Civil liability resulting from damage caused to vehicles of which the named insured is not owner	Section A: $50,000 Section B2: deductible of $15,000 Section B3: deductible of $15,000
Q.E.F. No. 33 Endorsement for roadside assistance fees	-
Q.E.F. No. 34 Accident benefits Section 1: Subsection A and B – Death and dismemberment benefits Subsection C:strong> Reimbursement of medical fees Section 2: Total disability	Section 1: $10,000 Subsection C: $2,000 per non-insured person Section 2: Not covered
Q.E.F. No. 43A Change to loss payment endorsement (Section B) – Partial loss – New parts	-
Q.E.F. No. 43E Change to loss payment endorsement (Section B) – Total loss – Compensation according to replacement value	-

Link to motor vehicle liability insurance card

A note on your financial responsibility

Communauto members must select a Damage Protection Plan when joining Communauto, which will determine the maximum fee you will have to pay in case of a collision or damage to a vehicle.

The commercial automobile insurance offered by Intact covers the Communauto vehicles and is completely separate from the Damage Protection Plan that you may have selected.

How to make a claim?

If you are involved in an accident during your reservation, you must notify Communauto as soon as possible. Review Communauto’s FAQs here.

If you need to contact Intact directly, our dedicated claims team can be reached 24/7 at 1-866-464-2424

Alberta

Ontario

Nova Scotia

Quebec