OPTIOM PRO

Vehicle replacement for vehicles with higher mileage or delivery services.

Optiom Pro is a total loss vehicle replacement product providing enhanced protection for your new, used, or leased vehicle — whether it’s used for personal, business, or commercial purposes, or any combination of the three.

Call our commercial team at 1-844-427-7587 to build a quote.

Delivery van at loading dock — Optiom Pro commercial vehicle replacement
$350M+
In replacement vehicles
$150M+
In the last 5 years
Since 2008
Protecting Canadian drivers
6 Provinces
BC • AB • SK • MB • ON • NS

WHO IT’S FOR

Built for Vehicles That Work Harder.

If your vehicles drive more than 50,000 kilometres a year, run deliveries, or serve a mix of personal, business, and commercial use, Optiom Pro is designed for you.

Delivery Operations

Vans, sprinters, and delivery vehicles putting on serious kilometres. Pro is built for the daily runs that eat through mileage limits on standard replacement coverage.

Fleet Operators

Small and medium-sized fleets — service vehicles, work trucks, contractor vans up to 9,000 kg GVWR. Coverage that scales with the size and use of your operation.

High-Mileage Drivers

Long commutes, regional sales routes, or any vehicle logging more than 50,000 kilometres a year. Pro covers you up to 36 months or 200,000 kilometres, whichever comes first.

Mixed-Use Vehicles

Vehicles used for a combination of personal, business, and commercial purposes. If your daily driver doubles as a work vehicle, Pro is designed to qualify.

ELIGIBILITY

Does Your Vehicle Qualify?

Optiom Pro is available for vehicles used for personal, business, or commercial purposes — or any combination of the three. Here’s what qualifies.

VEHICLE & COVERAGE TERMS

What Vehicles Qualify.

  • 1

    Coverage is available for vehicles up to five model years and newer at policy inception.

  • 2

    Vehicles up to 9,000 kg GVWR — designed to cover much larger units than standard replacement products.

  • 3
    Coverage runs for up to 36 months, or until the odometer reaches 200,000 kilometres — whichever comes first.
  • 4

    Available for new, used, or leased vehicles.

USE & ELIGIBILITY

How Your Vehicle Is Used.

  • 1

    Personal, business, or commercial use — including any combination of the three.

  • 2

    Delivery operations and service vehicles are eligible.

  • 3

    Fleet operations are covered — from single vehicles to small and medium-sized fleets.

  • 4

    Designed for vehicles that drive more than 50,000 kilometres per year.

Couple reviewing monthly payment plan with dealer
Flexible Payment Options

Pay monthly with Bamboo Premium Financing

Don’t want to pay your Optiom policy up front? You don’t have to. Through our partnership with Bamboo Premium Financing, you can spread the cost of your coverage into affordable monthly payments, with fast approvals, fair rates, and a friendly Canadian team behind every application.

  • Fast approvals so your coverage starts without delay
  • Affordable interest rates built for the Canadian market

  • Manageable monthly payments with no lump sum required

Financing is provided by Bamboo Premium Financing Inc. Approval, terms and rates are determined by Bamboo and are subject to credit review.

Vehicle Replacement Insurance, Powered by Optiom

More than a policy. It's peace of mind.

If your vehicle is written off, Optiom pays the difference between your primary auto insurer's depreciated payout and a brand-new replacement, so you're not left thousands short.

Get A Free Quote
No obligationLicensed Canadian brokerNo pressure.

Questions? 1-844-427-7587  |  clientcare@optiom.com

Vehicle Replacement Insurance is administered by Optiom Inc. and underwritten by a licensed Canadian insurer. Coverage subject to policy terms and conditions. Available across Canada (except Quebec).