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Comprehensive insurance provides additional protection not included in basic automobile policies; it goes above and beyond the minimum requirements. It gives assurance against non-collision related threats, such as vandalism, or if you need to submit a claim for your car being stolen.
Comprehensive coverage does not cover medical expenses, legal fees, or lost income from an accident. While other accident benefits are becoming optional, comprehensive remains a critical peril-based add-on for total vehicle protection.
For example, if your vehicle was stolen, then later found and returned to you, you could submit a car insurance claim to cover the cost of repairs.
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No. Comprehensive insurance is optional in Ontario. The mandatory coverages every driver must carry are third party liability, accident benefits, direct compensation for property damage, and uninsured automobile coverage. Comprehensive sits on top of those minimums as added protection against non-collision risks.
It is similar to all perils or specified perils and optional policy endorsements (OPCFs). It is extra protection added to your basic coverage.
In some cases, such as when you lease or finance your vehicle, the lender might require you to carry comprehensive. For the full breakdown of what is mandatory and what is optional, see our Ontario car insurance page.
Full automobile insurance is something people refer to when they have all types of coverage. This means you have comprehensive, collision, and other optional policies.
If you ask for just comprehensive, you might find yourself unprotected if you are at fault in a standard fender-bender, as collision coverage covers that.
Even full coverage does not cover everything. Things like roadside assistance, rental car reimbursement, and gap insurance are usually extra add-ons.
One of the most important aspects of comprehensive coverage is understanding what it can cover.
Comprehensive pays for losses other than those covered by collision or upset, including specified perils, falling or flying objects, and vandalism. Ontario auto insurance is regulated by the Financial Services Regulatory Authority of Ontario (FSRA).
Here is what it includes:
Comprehensive coverage does not cover medical expenses, legal fees, or lost income from an accident. Here is a look at what items are excluded from comprehensive coverage.
When comparing options, it is important to determine whether comprehensive meets your needs. Some people opt not to have it to keep payment costs down.
However, you are also reducing your amount of protection. Depending on the cause of the damage, you may be on the hook for the repairs. Note that you may need to have it if you have a loan on the vehicle.
Consider these important questions when determining your needs:
Expect comprehensive protection to add a few hundred dollars to your car insurance quote.
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Get startedIn Ontario, you can add comprehensive insurance to your auto insurance policy. This coverage provides financial protection for damages to your vehicle that are not caused by a collision.
Let's say you park your car on the street overnight, and a severe storm hits the area. Comprehensive insurance will cover the repair costs if a large tree limb falls on your car, causing significant damage to the roof and windshield.
Without comprehensive insurance: You would pay out of pocket for car damage, which can cost thousands, depending on the extent.
With comprehensive insurance: If you have comprehensive coverage, file a claim with your insurance company. Once they assess the damage, they will cover the cost of repairs minus your deductible.
The terms and conditions of comprehensive coverage may vary depending on the insurance provider and your policy details. In this example, having comprehensive insurance would save you from paying for the repairs yourself as long as your policy covers the damage.
A comprehensive insurance claim is similar to a standard auto insurance claim. The only difference is what you are claiming and your deductible amount.
Most policies include a $300 or $500 deductible. You can increase your amount, which will help lower the cost. You only need to pay your deductible for claims under comprehensive coverage.
Here is a scenario to consider: you are driving, and a stone flies up on the 401 and cracks your windshield, requiring a full replacement equipped with sensor recalibration for $1,200. With a $300 deductible in place, you pay your portion, and your insurer picks up the $900 balance.
Comprehensive policies cover more sources of damage to your vehicle than collision insurance.
If you have an older vehicle, then collision may not be in your best interests. You may want something else if you want to pay as little as possible. It all comes down to your risk tolerance and ability to cover costs if you experience damage.
For many drivers, having both types provides them with peace of mind. You will have financial protection against most threats to your vehicle.
Whether or not comprehensive insurance is worth it depends on your specific situation. You may be willing to pay a little extra for peace of mind. Some people want lower monthly payments.
If you are considering the benefit of comprehensive coverage, ask yourself these three questions:
If you have questions about adding additional coverage options to your policy, our car insurance brokers are ready to assist you.
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It depends on coverage limits, your car value, your age, and other factors. Expect to pay a few hundred dollars extra to add comprehensive coverage. Find out how much your policy will cost by contacting us today.
If you lease or finance your vehicle, you will most likely need comprehensive coverage, which will be part of your lease or finance agreement.
No. Insurance for a rental car is available by adding policy endorsement OPCF 20.
Comprehensive may cover you for damage to your vehicle from rodents and animals. Check your policy and speak with your insurer to confirm.
Comprehensive is subject to a coverage limit (the most your policy will pay out). This amount is different depending on your policy options and insurer. Claims made are subject to these limits.
To know if your insurance covers someone else driving your car, it depends on your insurance. It is important to check with your insurer to get clarification. Many companies now offer driving other cars (DOC), or occasional driver coverage, under a full comprehensive policy.
Comprehensive and third party liability are different types of policies, but it is recommended to have both. Third party coverage is mandatory; it covers you if you are at-fault for an accident that results in damage or injury. Comprehensive is an optional addition.
Many people consider dropping comprehensive as their car ages. It is a quick way to save money on your plan. Vehicles depreciate at different rates, so it depends on your current situation. Consider the value of your car against your policy costs and financial situation. Speak with your insurer to learn about your options.
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Our RIBO licensed advisors can help you decide whether comprehensive coverage is right for your vehicle and budget, and find you the best rate. Get non-biased advice on adding comprehensive to your Ontario auto policy.
Our advisors help you weigh comprehensive against your vehicle value, your budget, and your risk, so you only pay for the protection you need.
We instantly compare comprehensive coverage and rates from our large selection of Ontario insurance providers to find you the lowest price.
Choose the provider that offers the best comprehensive 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 deductibles, claims, or whether to keep comprehensive as your car ages. We often can get you insured the same day.
Match your deductible to what you could comfortably pay out of pocket on a claim; a higher deductible lowers your premium. Weigh your car's current value against the cost of coverage, and keep comprehensive while your vehicle is financed or leased.
Wasim Khan
Insurance Broker (RIBO)
Monday-Friday: 8am-6pm
The information on this page is for general guidance about comprehensive car insurance in Ontario. Coverage terms, limits, and deductibles vary by insurer and policy, and any premium or deductible figures are illustrative. 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.
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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