How do I pay for my Optiom policy premium?

Optiom has a wide range of payment methods available to you. We can process the policy premiums by EFT or credit card, as well as provide a premium financing option which will allow you to spread the premiums out over the entire length of the policy, which can be up to seven years on new vehicles.

I just bought a car, how do I get Optiom coverage?

Optiom covers vehicles up to 10 model years old. Whether it was leased, financed or cash purchased, you may qualify for an Optiom policy.

What provinces do you offer coverage in?

British Columbia, Alberta, Saskatchewan, Manitoba, Ontario, and Nova Scotia.

What type of coverage does Optiom offer?

Our core benefit is total loss car replacement coverage for new, used, and leased vehicles which sits over and above what your primary insurance covers. Depending on the age of your vehicle and which province you are located you may be eligible for additional coverages such as partial loss deductible reimbursement, key fob replacement, rental vehicle coverage, OEM partial loss, diminished vehicle value benefits and more.

How do I purchase Optiom insurance?

Optiom policies can be purchased through either a licensed insurance broker in any province we distribute in or on a limited basis direct from the dealership. Please contact our Client Care team at 1-844-427-7587 or clientcare@optiom.com who can assist you with finding our nearest partner.

Does my spouse or partner also need their own policy?

The Optiom policy and coverage are on the vehicle itself and not the driver, so individuals driving the same vehicle do not need to have separate policies.