Why choose Co-operators for auto insurance?
How auto insurance works in Canada
Your public automobile insurance plan provides coverage for injury or death caused by a collision. Visit SAAQ to learn more.
You are also required to purchase at least $50,000 of third-party liability coverage from a private insurance company. Contact your local Co-operators office to purchase this coverage and build a plan that suits your unique needs.
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While insurance plans vary by province, here are the most common types of coverage you must have:
If you are involved in a collision and are held legally liable for other people’s injuries, or for damage to another person’s vehicle or property, your insurance company will pay up to the total amount listed on your policy.
This covers medical expenses not covered by a provincial health plan, plus loss of income as the result of a collision. In some provinces, you may be entitled to additional benefits if you are someone's caregiver. Not available in Quebec.
This coverage protects you and your family if you are injured or killed by a hit-and-run driver or an uninsured motorist. It also covers damage to your vehicle caused by an uninsured driver. Coverage is not available in Quebec. Vehicle damage is not covered in Alberta, Yukon, and the Northwest Territories.
Direct Compensation Property Damage
This covers the cost of loss or damage to your car in a collision for which you were not entirely responsible. Available in Alberta, New Brunswick, Nova Scotia, Ontario, Prince Edward Island and Newfoundland.
You may want additional coverage to be sure you’re fully protected in case of a theft or damage. Here are some coverage options to consider:
You are covered for the cost of repairs or the actual cash value of your vehicle in the event of a collision subject to your deductible.
This covers you for specific perils such as fire, lightning, theft*, windstorm, earthquake, hail, explosion, riot, and more.
You are covered for losses to your vehicle other than those covered by Collision. Some examples include vandalism, falling or flying objects, and theft.*
*Comprehensive and Specified Perils do not insure your car against theft if a member of your household steals your car, or if an employee whose job involved using or maintaining the car steals your vehicle.
All Perils combines Collision and Comprehensive coverage and protects your vehicle against theft by a person who lives in your household or an employee.
Get additional optional coverage
For extra protection, add the following to your insurance policy:
If you have this coverage, the first collision on your policy won’t affect your insurance rates, provided you have been licensed and collision-free for 6 years. This coverage is included in the provincial coverage plan, but not available separately in Quebec.
Loss of Use
If your vehicle is damaged in a collision, stolen or destroyed, this endorsement covers the costs of temporary transportation, such as renting a vehicle or taking a bus.
Legal Liability for Damage to Non-owned Automobiles
This endorsement may cover you if you damage a vehicle you don’t own while it was in your care and control, such as a rental vehicle.
Receive additional benefits if you’re involved in a collision with a driver who doesn’t have enough coverage to pay a claim for injury or death.
Limited Waiver of Depreciation
This coverage protects against the loss of value or depreciation of a new vehicle if, as a result of a collision, your vehicle is beyond repair and must be replaced. This coverage is available up to the first five years of a vehicle lease or ownership.
You can also buy insurance for a stereo or other components installed in your vehicle.