Your auto insurance policy can cover you when you’re not driving your car and in other special circumstances. For example:
Driving a rental: Your auto insurance automatically extends accident benefits and liability coverage to your rented car, with the same limits. Make sure to purchase additional coverage if you’re renting a more valuable vehicle, such as a luxury car.
Crossing borders: Your insurance is still active if you go on short trips outside of Ontario or even to the U.S. as long as you maintain normal use of the vehicle.
In the shop: Typically, you are not entitled to a replacement vehicle while your car undergoes normal maintenance or repair. If you cannot use it because of an accident, your insurer may provide you with a loaned vehicle.
Ask your Marathon Insurance broker about your auto insurance coverage in other special circumstances.