Excess Underinsured Motorist Protection

Get up to $2 million in coverage for a crash with an at-fault motorist who doesn't have enough insurance to pay for your injury claim.

Because not everyone plays by the rules

When it comes to auto insurance, you really do have to look out for yourself. That's because some drivers don't have enough (or any!) coverage.

Consider this real-life scenario: You and your passengers are seriously injured in a crash. The other driver is at fault, but doesn't have enough liability insurance to pay for the full cost of your injuries—major expenses such as lost wages or a lifetime of medical care.

Your Basic Autoplan includes up to $1 million in Underinsured Motorist Protection (UMP). But if the costs run higher, you could be in financial trouble.

You or your loved ones might suffer unnecessary personal hardship, too.

Up to $2 million coverage available

For just $25 a year, you can purchase Excess Underinsured Motorist Protection. This increases your basic UMP coverage, up to a total limit of $2 million.

Excess UMP provides protection from a crash with an underinsured, at-fault motorist almost anywhere in Canada or the U.S.*

Who's covered?

Excess UMP covers

• you and anyone else in your vehicle
• you, no matter what vehicle you're riding in, and
• members of your household riding in any vehicle (except ones they own), or who are injured as pedestrians or cyclists.

Find out more

For more information about Excess UMP, contact an Autoplan broker.