Accident Protection Endorsement:
OPCF 39

Auto accidents are hard to predict and even the most cautious drivers can find themselves involved in one within the blink of an eye. No matter the experience and skill of the driver we all can be prone to error from time to time and one accident shouldn’t disrupt your clean driving record. That’s why Unica offers the Accident Protection Endorsement (APE); while insured with Unica the APE protects you from a premium increase resulting from the first loss for which you are found partially or fully responsible, allowing you to drive worry-free.

An electric vehicle charging at a station.

Key Features and Benefits

No-Fault Protection for Premiums
Protects your premium from your first at-fault accident—premiums will not increase as a result of your first accident, even if you are found liable.
Extends to all eligible drivers
Our comprehensive coverage extends to all listed drivers of your vehicle who are over the age of 25 and have at least six years of driving experience.
Availability
Our comprehensive coverage extends to all listed drivers of your vehicle who are over the age of 25 and have at least six years of driving experience.

Transparent.
Trustworthy.
Reliable.

At Unica, we’ve built our reputation by putting people first. We’ll handle your claim as quickly and as worry-free as possible.
A young girl using a hose to spray the rim of an SUV parked on her driveway.

Here to help—and listen.

I can’t think of enough words to describe our adjuster, David. Though my car was heavily damaged, he made sure it was fixed well and efficiently. He was always there for me listening with care, compassion and fairness. I thank him with all my heart and having him on my side definitely helped my recovery.
Susan M. | Guelph

Service partners that deliver results.

The cooperation between Unica, the repair shop and the rental agency was amazing. I received my car back on time and the rental services were great. Kudos to the whole group for working so well together!
Michael F. | Toronto

Find a broker in your neighbourhood.

More Personal Insurance solutions

Leather interior of a luxury vehicle.
Waiver of Depreciation
Protect the value of your new vehicle for up to five years
Personal Vehicle Coverage
Personal • Luxury • Collector
Commercial Vehicle
Transport • Delivery • Liability
A vehicle with accident damage

You’ve just been involved in a car accident. What are your next steps?

Being involved in a car accident is not only unexpected but can also be overwhelming if you’re unprepared for the situation. The following tips can help you navigate the stress of an accident and minimize the disruption it may cause...
Read article - You’ve just been involved in a car accident. What are your next steps?