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In Canada, you can’t legally drive without auto insurance. At a minimum, you need third-party liability insurance, but there are also optional add-ons that can give you extra protection. One of these is comprehensive car insurance. It’s not required, but it’s a great add-on if you want better coverage, especially if you live in an area known for severe weather events, like the 2024 Calgary hailstorm, or high theft rates.
Are you looking for affordable, comprehensive car insurance? Let one of our local insurance brokers find the right coverage for you today!
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Comprehensive car insurance coverage helps protect your vehicle from damage that isn’t caused by a collision. Think of everything that could possibly happen to your vehicle while it is parked. According to the IBC, comprehensive auto insurance covers damage to your car from things like:
Comprehensive car insurance policies can provide you with a certain level of peace of mind by knowing you are fully covered. That said, not every policy includes all of these protections. Some have exclusions, so it’s always a good idea to check the policy exclusions page when comparing policies.
If your car is older and isn’t worth much, comprehensive insurance might not be worth the cost. In many cases, it’s cheaper to replace an older vehicle than to insure it with extra coverage. However, if your car is new and/or has a higher value, comprehensive coverage is ideal, especially important if you live in an area with unpredictable weather or high theft rates.
For instance, in 2024, Calgary, Alberta, saw a record-breaking hailstorm that caused an estimated 3.25 billion in insured losses for homes, businesses, and vehicles. According to the Insurance Bureau of Canada (IBC), auto insurance claims made up more than half of all claims from the hailstorm, with vehicle damage alone estimated at $1 billion. They also noted that the damage was so widespread that roughly half of all vehicles damaged were written off as total losses.
While comprehensive car insurance is optional, motorists will require mandatory car insurance to drive in Canada. However, because insurance is provincially regulated, the types of coverage and limits needed will vary. Common mandatory policies include:
Third-party liability insurance
Accident benefits
Uninsured motorist coverage
Collision insurance
Direct compensation - property damage (DCPD)
Accident forgiveness
Third-party liability coverage protects motorists if they get into a car accident that injures or causes property damage to a third party. Should a lawsuit be filed, this auto insurance policy will cover medical bills, legal fees, repairs, replacements, and settlement costs, up to your policy limit, which can range between $200,000 and $2 million.
Accident benefits provide coverage for medical bills and rehabilitation costs, along with income replacement if you, your passengers, or pedestrians are injured in a collision, regardless of fault.
Uninsured automobile insurance covers vehicle repairs or replacements if you are hit by a driver who is uninsured, underinsured, or unidentified.
Collision insurance pays for vehicle repairs or replacements following a collision you're at fault for, up to your policy limits.
DCPD coverage is mandatory in some provinces, while optional in others. If your vehicle is hit by an at-fault driver, this policy allows you to go through the claims process and receive compensation through your own insurance company, rather than the other party's.
One final type of optional car insurance coverage popular among drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement, to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province.
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No one likes paying more than they have to for anything. While adding comprehensive coverage will bump up your premium, the good news is that there are ways you can take control and keep your overall car insurance costs down. Here are a few practical tips to help lower your premium and save some money:
You can combine your car and home insurance with the same company and save on both. Plus, if you ever need to make a claim that involves both your car and home, you’ll only have to pay one deductible. If you're not a homeowner, you can still bundle your car insurance with tenant insurance or condo insurance, or even another vehicle (for a multi-vehicle discount).
If you live in an area where car theft is common, your insurance company will consider you a higher risk. This usually means higher premiums if you have comprehensive coverage, since it protects against theft. Fortunately, you can help offset this by adding anti-theft devices to your vehicle. Installing cameras or having extra monitoring where you park can also act as an extra set of eyes, giving you more protection and potentially helping lower your insurance costs.
Most insurance companies in Canada offer a 5% discount when you install winter tires on your vehicle during the winter, as they can reduce your chances of being in an accident.
Good drivers with no previous accidents or claims on their insurance history can qualify for major savings with their insurance company. The more time that passes without an accident, claim, or traffic ticket on your license, the more you'll save!
Some drivers choose a lower car insurance deductible, which means less out-of-pocket expense if they need to file a claim, but often leads to higher premiums. So, if you opt for a higher deductible instead, it can help lower your car insurance premiums. Just keep in mind that you’ll have to pay more if your car gets damaged or stolen.
Insurance brokers work at brokerages like BrokerLink that partner with multiple insurance companies to help you find the best rates. Since car insurance costs can vary significantly depending on where you live in Canada (and several other factors), a broker can do the legwork for you. They’ll compare options and help you pick the right policy that fits your needs and budget.
Most insurance providers add a fee to your insurance premiums when you opt to pay monthly. This is because it costs them money to process each of your payments. To avoid these extra fees, consider paying for your auto insurance premium upfront instead.
Since comprehensive coverage is an optional add-on, that means it will come with an extra cost. Plus, it includes a car insurance deductible, and the amount you choose for your deductible will affect your premiums, too.
As such, adding comprehensive coverage to your policy in Canada may cost an extra $100 to $300 annually, though this depends on a few factors, including:
Those living in urban areas with higher traffic congestion and increased crime rates can anticipate paying more for their insurance coverage compared to drivers living in more rural areas.
The more traffic tickets, license suspensions, and convictions you have on your driving record, the more of a risk you'll appear to an insurance provider, leading to higher insurance rates. In contrast, a clean driving record can yield affordable coverage.
Opting for coverage beyond standard policies will cost you more. However, most drivers see this as worth the investment, as additional coverage provides more financial protection in the event something goes wrong.
A higher deductible can translate to lower premiums, as you're taking on more of a financial burden in the event you file a claim. In contrast, opting for a lower deductible can increase your rates slightly.
Newer, luxury vehicles, and high-performance sports cars often cost more to insure due to their higher repair and replacement costs. In contrast, driving a standard vehicle tends to yield a more average insurance rate.
The more time you spend behind the wheel, the more likely you are to be in a car accident. Those who drive long distances can expect higher rates compared to those who drive infrequently.
Those with multiple claims on their insurance history are more likely to file another in the future, which increases their risk profile and their rates. Those without claims on file can anticipate savings on their insurance.
The most important thing to understand about comprehensive car insurance coverage is the misleading name. This coverage does not cover all possible forms of damage. In fact, it is specifically designed to protect the vehicle against damage that is NOT related to collisions with other vehicles or stationary objects. That’s what collision insurance is for.
That's why many drivers opt for full coverage car insurance. Full coverage car insurance, which includes both comprehensive and collision coverage, ensures their car is fully protected.
It also doesn’t cover damage to someone else’s vehicle, medical expenses, or lost income after an accident. Those claims would fall under your mandatory third-party liability or accident benefits coverage.
Finally, according to the IBC, comprehensive coverage does not cover theft or damage to your vehicle caused by your mechanic or someone who lives with you.
There comes a time when keeping comprehensive car insurance might not make financial sense. Since this coverage protects against things like theft, vandalism, and natural disasters, it’s most valuable when your car is still worth a decent amount. But if your vehicle is older and has depreciated significantly, the cost of coverage might outweigh the benefits. A simple way to figure this out is by using a quick calculation:
If the result is a negative number, you’re likely paying more for coverage than you’d receive if something happened to your car. Ultimately, dropping comprehensive coverage makes the most sense when the cost of insurance is higher than the potential payout. If replacing your car wouldn’t be a financial burden on you, then you may not need it.
Are you ready to purchase comprehensive insurance? Or do you still have some questions about it? BrokerLink can help! We are car insurance experts and are ready to help answer any questions you have about your mandatory liability insurance policy and about adding comprehensive coverage to it.
You can reach us by phone, email, or in person at any one of our locations throughout Canada. No matter how you choose to get in touch, a BrokerLink insurance advisor will be happy to assist you. We also encourage you to take advantage of our free online quote tool that can provide you with a competitive quote in minutes.
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Collision insurance covers damage done to your vehicle when you are at fault in an accident. Comprehensive coverage comes into play when there is damage done to your vehicle that has occurred outside of an accident. For example, comprehensive insurance would cover you in the event of theft or vandalism. These are optional coverages that will give you additional peace of mind knowing your vehicle is protected.
Some people choose to take their comprehensive insurance down or off altogether if their car is older. This is because based on the deductible and the value of the car, you might not be able to really get the money that would make it worth paying the premiums on the policy.
When property is taken, even if it is removed from your vehicle, this actually falls under the coverage outlined in your home insurance policy. Make sure that you contact your home insurance company quickly and give them a list of the things that were taken from your vehicle.
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