Jamie MacDonald
2026-05-07 14:59:32
★★★★★
Dylan Smith was a fantastic rep! Enjoyed our conversations and he was incredibly helpful and quick to get my policy replaced with a new one. Thank you.
What is all perils insurance?
Driving in Ontario requires a minimum amount of mandatory auto insurance, but for added peace of mind, many drivers choose to enhance their protection with all perils coverage. All perils, also known as all risk, is an optional type of insurance and one of the most extensive.
All perils combines collision and comprehensive coverage into a single policy. This means you are protected against all risks unless they are specifically excluded in your policy. A peril is a situation or circumstance that causes a loss; a car accident is a peril, and so is weather damage to your vehicle. All perils coverage protects you in those situations unless your car insurance policy notes otherwise.
All perils coverage: three main takeaways
- All perils insurance is an optional, comprehensive policy that combines collision and comprehensive coverage.
- As the most extensive type of coverage available, it typically has a higher premium than standard policies.
- With all perils, you are protected against all risks except those specifically excluded in your policy.
How to get quotes for all perils car insurance
1
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2
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3
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Choose the best rate and confirm your policy details with us.
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Common perils included in all perils coverage
All perils insurance is designed to cover unexpected and accidental events. Here are some examples of the types of perils typically included:
- Sudden fire damage
- Windstorm damage
- Hail
- Vehicle theft
- Vandalism or mischief
- Damage from falling objects
- Damage from ice, snow, and freezing temperatures
- Damage from electrical surges
Common exclusions for all perils policies
While all perils insurance offers broad protection, certain events are typically excluded. These may include:
- General wear and tear
- Neglect
- War and terrorism
- Flooding and earthquakes
- Nuclear disasters
- Intentional or fraudulent losses
- Events covered under other policies or endorsements
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How much does all perils coverage cost?
All perils is the most extensive type of policy, so it costs more than standard coverage. The cost depends on your insurer, your driving history, your limits, and more. Contact us to compare car insurance quotes for adding all perils coverage to your policy.
Why should you choose all perils insurance?
All perils provides drivers with protection against the majority of perils. It gives you peace of mind knowing you have coverage against almost all types of damage to your vehicle. If you have a low risk tolerance, it is worth considering.
Compare rates for all perils car insurance
Find the lowest rates for all perils coverage in just a couple of minutes. Compare rates from the top Ontario providers online or speak with a licensed ThinkInsure broker to save on your auto coverage.
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All perils vs collision and comprehensive
All perils is a combination of collision and comprehensive coverage. The difference is that it combines the two into a single policy, whereas collision only covers damage related to accidents and comprehensive only covers non-accident damage.
What is the difference between all perils and named perils?
All perils covers all risks unless they are specifically excluded. Named, or specified perils, only includes the perils listed in your policy. Here is a comparison:
| Feature | Named perils | All perils (open perils) |
|---|---|---|
| Coverage scope | Only listed risks | Everything except exclusions |
| Default stance | Not covered unless listed | Covered unless excluded |
| Premium cost | Lower | Higher |
| Flexibility | Limited | Broader |
| Claims process | Must prove peril is listed | Insurer must prove exclusion |
Do I need all perils car insurance?
It depends on your risk tolerance and other factors. Some drivers are willing to pay a little more for the broadest protection, while others forego it to keep their premiums down. If you want to know whether all perils makes sense for your driving situation, speak with one of our advisors to explore your options.
Why choose ThinkInsure for your auto coverage?
We've served the Ontario insurance market for over 50 years.
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All perils FAQs
No. All perils is an optional type of Ontario car insurance. You can choose to add it to your policy for an additional fee. Adding all perils gives you more protection from a wider range of threats.
A peril and a risk refer to the same thing; the terms are interchangeable. A risk refers to the chance of a loss, and a peril is a cause of loss.
You file an all perils claim the same way you would other auto insurance claims. If your vehicle is damaged, contact your insurer and start a claim.
5 star auto insurance reviews
KCAP KCAP
2026-05-07 14:46:38
★★★★★
Big shout out to Darryl for helping me out and turning a sour experience to a splendid one Shubham left me in the wind for a couple days even after I had a his team member reach out to him and left a voicemail . Called back the next day and Darrly handle everything on the spot so thank you Darryl
Zhiqing Xu
2026-04-30 20:06:56
★★★★★
Had a great experience with Sohel Rahman. The whole process is easy and clear without any unnecessary back and forth. Got the insurance exactly as I wanted in 1 day. Highly recommended!
Chris Arsenault
2026-04-21 20:09:51
★★★★★
Great experience with Todd Allen at ThinkInsure. Very professional and helpful. Thanks Todd!
Russell Turner
2026-04-21 14:26:53
★★★★★
Gabe was great and looked after my issue
Sandy Kerr
2026-04-19 13:47:28
★★★★★
I would like to recognize our Broker, Jeff Plesman to thank him for always providing us with outstanding and professional customer service. Thank you so much Jeff, we appreciate you. ;-)
Tony Sturino
2026-04-17 20:37:33
★★★★★
Gabe, as usual takes care of my demanding insurance issues, very professional, I like the way he calls to update me on any new features Thanks again
Anna Kacina
2026-04-16 15:29:05
★★★★★
Excellent service, great price
Talk to an advisor about all perils car insurance
Our RIBO licensed advisors can help you decide whether all perils coverage is right for your vehicle and budget, and find you the best rate. Get non-biased advice on adding all perils to your Ontario auto policy.
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Our advisors help you weigh all perils against your vehicle value, your budget, and your risk tolerance, so you only pay for the protection you need.
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We instantly compare all perils coverage and rates from our large selection of Ontario insurance providers to find you the lowest price.
Get your auto policy
Choose the provider that offers the best all perils coverage and rate for your needs. We often can get you insured with a new automobile policy on the same day.
Speak with an advisor today!
Call us if you have questions about exclusions, or whether all perils or separate collision and comprehensive is the better fit. We often can get you insured the same day.
Get expert savings advice
All perils gives you the broadest protection by combining collision and comprehensive, so it is worth it if you want maximum coverage and have a low risk tolerance. Compare the premium against buying collision and comprehensive separately, and ask which exclusions apply before you buy.
Wasim Khan
Insurance Broker (RIBO)
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Sources
The information on this page is for general guidance about all perils car insurance in Ontario. The risks covered and the exclusions that apply vary by insurer and policy. For regulatory details on Ontario auto insurance, see the Financial Services Regulatory Authority of Ontario (FSRA). Speak with a ThinkInsure RIBO licensed advisor to confirm what applies to your policy.
Nolan Wilson
Content Marketing Manager
Nolan is a content marketing manager and writer at ThinkInsure. He has 15+ years of experience in the insurance industry, working with brokerages and direct insurers to create compelling insurance content, specializing in auto, home, and commercial.
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