Auto & Fleet Insurance
At Robert J. Morris Insurance & Consulting Ltd. we are passionate about automobiles. Robert and Sheldon Morris have collected some interesting antique vehicles that are frequently displayed at our office. We want you to be just as passionate about your cars, and will help you find the coverage that is best suited for you and your vehicle.
We cover:
- Antique/Classic Car
- Personal Auto
- Farm Auto
- Business Auto
- Motorcycle
- RV
- ATV
- Snow Mobile
- Marine Vehicle
- Golf Cart
Changes that are already part of your policy:
| OPCF2- Ontario Driver’s Policy | Providing coverage when named persons drive other automobiles or rent or lease other automobiles. |
| OPCF16-Suspension of Coverage | This change cancels coverage for the use or operation of the described automobile until coverage is reinstated. |
| OPCF17-Reinstatement of Coverage | This change reinstates the coverages cancelled by OPCF 16. |
| OPCF19- Limiting the Amount Paid for Loss or Damage Coverages | This claim limits the amount we will pay for loss or damage under section 7 of your policy. |
| OPCF20- Coverage for Transportation Replacement | This change provides coverage for you when you need to pay for other means of transportation because of loss or damage to your automobile caused by a peril for which you are insured. It replaces coverage by section 7.4.4 of your policy, “Loss of Use Due to Theft.” |
| OPCF 28A-Excluded Driver | Except for certain Accident Benefits, it excludes all coverage when the person (the “Excluded Driver”) drives the automobile(s) described. |
| OPCF 32-Use of Recreational Vehicles by Unlicensed drivers | This provides coverage when any person who does not have a driver’s license, or is not authorized by law to drive, operates or drives a recreational vehicle off a public highway. |
| OPCF38-Agreed Limit For Automobile Electronic Accessories And Equipment | If your policy covers Section 7 “Loss or damage coverages” this change form limits the amount we will pay for loss or damage to automobile electronic accessories and equipment, other than factory installed equipment, to agreed amounts. |
| OPCF43- Removing Depreciation Deduction | This change revokes our right as the insurer to deduct depreciation from the value of your vehicle when settling a claim for loss or damage caused by an insurable cause. |
| OPCF44R- Family Protection Coverage | Automobile coverage for “dependent relatives” to the insured. |
Did you know:
No-fault insurance does not mean you cannot be found at fault for an accident. It simply means your insurance company will deal with your claim and pay out for damages. In the case there is another driver, there is no need to deal with them or their insurance provider.
For more information, contact our office by clicking here, or check out your Comprehensive Homeowner, Tenant, or Condominium Unit Owner Package Policy wordings.
