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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.
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All perils insurance is designed to cover unexpected and accidental events. Here are some examples of the types of perils typically included:
While all perils insurance offers broad protection, certain events are typically excluded. These may include:
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.
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.
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.
Get startedAll 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.
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 |
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.
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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.
Celeste Raymond
2026-08-04 09:10:34
★★★★★
The insurance broker who supported me was Dylan Smith. Dylan was very knowledgeable, patient, friendly and professional. He took his time walking me through several different options, answered all my questions and made sure that I left the conversation feeling supported and that I left with the right insurance plan to meet my needs. This was truly one of the best customer service experiences I’ve had!
Paula Souza Realtor
2026-07-29 15:53:22
★★★★★
Working with Betsy Bannon was a great experience. She made the process of getting our commercial auto insurance simple and stress-free. She kept us informed every step of the way, responded promptly, and was always friendly and professional. I really appreciated how smoothly everything went and would definitely recommend her.
Nate Smith
2026-07-29 15:45:25
★★★★★
Had a great experience working with Betsy Bannon. She was easy to deal with, answered my questions, and got our commercial auto insurance set up much faster than I expected.
Nate Smith
2026-07-29 15:44:40
★★★★★
Betsy Bannon made the whole process of getting our commercial auto insurance set up really easy. She was friendly, quick to respond, and got everything taken care of without any hassle. Really appreciated all the help.
Accounting Infinite Mechanical Solutions
2026-07-29 15:43:38
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Betsy Bannon was a huge help in getting our commercial auto insurance set up! she was super pleasant to deal with, and she was very fast
Michele Jaques
2026-07-22 22:22:43
★★★★★
Patrick worked diligently in insuring that our businness is sufficiently covered given changes to tenants, tyope of business and up grades. He is very conscientious and work collaboratively to build good a good working relationship. Thank you agaib Patrick for all your efforts.
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2026-07-09 02:00:38
★★★★★
I contacted ThinkInsure sure for last minute insurance for my house while I was renovating. My sales broker was Dylan Smith, and he was excellent. He was extremely communicative and proactive and talked me through all the steps of applying for my insurance policy. Because it was somewhat last minute, he also bent over backwards and communicated with the insurance company to make sure I got my insurance effective on the day I needed it. I couldn’t have experienced better service.
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2026-07-08 03:49:25
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I have been getting parent super visa insurance from Think Insurance for past 2 years. Parminder helped us in getting the coverage needed and everything had been smooth.
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.
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.
We instantly compare all perils coverage and rates from our large selection of Ontario insurance providers to find you the lowest price.
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.
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.
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)
Monday-Friday: 8am-6pm
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.
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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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