Vehicle replacement done differently
Find the right product for you
Valuable benefits are waiting for you
Dedicated to driving change
We believe that insurance for your vehicles can be better, that it can help you live your life with less worry. In Canada, where many drivers are under-insured (and don’t even know it), we exist to make that happen.
How? With a supplemental vehicle insurance product, providing incredible client support and education, fantastic broker resources, and a claims process that causes less stress, not more. Vehicles are getting harder to fix and more complex, but our vehicle replacement policies keep things simple. We provide the coverage you need, at an affordable price, for the lifestyle you want. We keep your life on track; it’s that simple.
Many Canadian drivers may be under-insured
As vehicles become more reliant on advanced technology, situations of unexpected write-offs are increasing, and the costs of even minor repairs are getting higher. Due to this, almost all standard insurance plans lack full coverage for the drivers they are meant to protect.
Optiom provides a more fulsome vehicle replacement insurance product for Canadian drivers. We go beyond standard insurance coverage & “Guaranteed Asset Protection” (GAP) products to give affected drivers, not only enough to cover what they may owe on their written-off vehicles, but to fully replace them at current market prices.
We have led our industry for more than 15 years, with over half a million policies sold and $300 million in replacement vehicles supplied with exceptional customer service.
We are here to make insurance easier, educate and inform drivers about their level of coverage, and “de-stress” the lives of Canadian drivers. We keep the wheels moving; figuratively and literally.
Policies that put you first
Whether your vehicle is new or used, we offer flexible payment options, coverage plans with enhanced benefits, and policy terms available for up to seven years. We’re here to help, and we’ve made it simple.