CAR INSURANCE

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No matter what type of vehicle you own, you probably know that you are legally required to carry insurance. You can choose from several plans, depending on the type of vehicle you own, how you use it, and the province where you live.

British Columbia and Manitoba

In these provinces, compulsory auto insurance is provided by Crown corporations. For your convenience, most of our offices can provide service for these plans.

Saskatchewan

In this province, compulsory auto insurance is provided by a Crown corporation.

To make it easier for you and better meet your needs, we're offering you the option of calling your local Co-operators office to discuss upgrades that would increase your liability coverage amount and lower your deductibles.

Quebec

Your provincial automobile insurance plan covers you in the event of injury or death in an automobile accident.

However, you are required to take out civil liability insurance of at least $50,000 with a private insurer. Contact your local Co-operators office to purchase this insurance and build a plan that meets your needs.

Other provinces and territories

In Alberta, New Brunswick, Newfoundland and Labrador, Northwest Territories, Nova Scotia, Ontario, Prince Edward Island, and the Yukon, insurance automobile is mandatory and only offered by private insurers like The Co-operators.

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Insurance by province

In Canada, there is no single automobile insurance mechanism. Each province has its particularities in this area. Some offer a public auto insurance plan, while others rely on private insurance companies or a combination of the two to meet needs. Whether you're buying your first car insurance or knowing what coverage you need after a move, our summary of the main differences between each province will make it easier for you.

British Columbia

Alberta

Saskatchewan

Manitoba

Ontario

Quebec

Newfoundland and Labrador

New Brunswick

Prince Edward Island

New Scotland

Yukon, Northwest Territories, and Nunavut

Did you know?

What your auto insurance coverage should include

Although insurance coverage varies by province, the points below represent the typical coverages you will need to have before you can use your vehicle:

Third-Party Liability: If you are involved in a car accident and are held legally liable for injuries to others, or damage to another person's vehicle or property, your insurance company will pay up 'up to the total amount stated in your policy. You are responsible for amounts that exceed this limit.

Accident benefits: These benefits cover medical expenses not covered by the provincial health insurance plan as well as loss of income resulting from a car accident. In some provinces, caregivers may be eligible for additional benefits. Benefits are paid regardless of fault. Not available in Quebec.

Uninsured Automobile: This coverage protects you and your family in the event of injury or death caused by an unidentified (hit-and-run) or uninsured motorist. It also covers damage caused to your vehicle by an identified but uninsured motorist. This warranty is not offered in Quebec. Vehicle damage is not covered in Alberta, Yukon, and the Northwest Territories.

Direct Compensation - Property Damage: This coverage, available only in New Brunswick, Nova Scotia, Prince Edward Island, Ontario, and Quebec, covers the cost of loss or damage to your automobile in an accident for which you were not entirely responsible. For you to be eligible, the other driver must be identified, insured, and found to be at least partially responsible. In some provinces, you can no longer sue someone for damage to your automobile.

Your insurer will calculate your degree of fault for the accident and the value of your deductible to determine the compensation you will receive. You will be paid if you were not at all or partially responsible for the accident. Be sure to review your auto insurance policy so that you fully understand its details, limitations, and exclusions.

Advantageous protection

You may wish to purchase additional insurance to ensure that you are fully protected in the event of a car accident, theft, or property damage. Below are some possible options.

Collision: In the event of a collision, you are protected up to the cost of repairs or the cash value of your vehicle, subject to your deductible.

Specified perils: This option protects you against specific perils, such as fire, lightning, theft*, windstorms, earthquakes, hail, explosions, riots, and others.

Comprehensive (All perils except collision or upset in Quebec/Accidents without collision or upset in NB): This option covers all losses incurred by your vehicle, except those covered by the Collision guarantee. . Here are a few examples: vandalism, theft, and falling or flying objects.* Exclusions to this coverage are explained in your insurance policy. A deductible may apply.

*Multiple Perils (All Perils Except Collision or Upset in Quebec/Accidents without Collision or Upset in NB) and Specified Perils do not provide any protection against the theft of your vehicle if it is stolen by a member of your household or an employee whose duties include the use and maintenance of your car.

All Perils: All Perils coverage includes both Collision and Comprehensive coverage (All Perils Except Collision or Upset in Quebec/Accidents without Collision or Upset in NB) and covers the theft of your vehicle by a person living under your roof or by an employee.

The most common combination is collision and non-collision or upset coverage.

Optional benefits and riders

For additional protection, you can add the following options to your insurance policy:

Accident Amnesty: If you purchase Accident Amnesty coverage, your first accident will not increase your insurance premiums if you are licensed to drive and have been accident-free for six-year. In Quebec, this benefit is not sold as a separate rider since it is already included in the provincial plan.

Loss of Use: If your vehicle is damaged in an accident, stolen, or destroyed, this endorsement covers the cost of temporary travel or alternative transportation, such as car rental or bus tickets. You will be covered up to the maximum amount stated in your policy or until your vehicle is found or repaired, or a settlement offer is made.

Third-Party Liability for Damage to Vehicle You Do Not Own: This endorsement could protect you if you cause damage to a vehicle that you do not own but have custody and control of, such as a rental car.

Protection Rider: You are entitled to additional benefits if you are involved in an accident with a motorist who does not have sufficient protection to cover the costs of injury or death. This protection only applies if the other motorist's insurance coverage is lower than yours.

Limited Depreciation Waiver: This endorsement protects you against the depreciation of a new vehicle if it is declared a total loss as a result of an accident and needs to be replaced. It is only available for the first five years of lease or vehicle ownership. You may receive an amount up to the price you paid for the vehicle or the manufacturer's suggested price. Some items on the sales invoice, such as administration costs, may not be covered. You can add this endorsement if you have purchased the following coverages: Collision and Comprehensive (All perils except collision or upset in Quebec/Accidents without collision or upset in NB), Collision and Specified Perils, or All Perils.

Additional warranty: You can also take out a warranty for a stereo system or equipment installed after the purchase of the vehicle.

For more information on auto insurance, visit the Insurance Bureau of Canada website.

Online tools

Get an auto insurance quote online today, or find an insurance representative near you to create a policy tailored to your needs. If you purchase insurance from us and have a claim, you can o submit a claim quickly and easily using your iPhone.