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Canada - ENTypes of car insurance coverage
RBC Insurance provides dependable protection for you and your vehicles, helping you stay prepared for the unexpected. Whether it’s an accident, theft, or damage, our coverage supports your financial stability and offers the necessary resources to help you get back on the road.
Liability & other mandatory car insurance
No matter what you drive, your car insurance policy must include some coverage to protect you financially against major risks.
Types of coverage
Protection against liability claims
Protection against injury or death
Protection against uninsured or unidentified drivers
Collision & comprehensive car insurance
Unless you can afford to replace or repair your vehicle, you’ll want some coverage to help protect it from collisions, theft and more.
Types of coverage
Collision coverage
Comprehensive coverage
Direct compensation for property damage coverage
Specific or all perils coverage
Other optional car insurance
You can change the amount of coverage you would receive in certain situations by adding an endorsement (rider) to your policy.
Types of coverage
Family protection endorsement
Waiver of depreciation endorsement
Alternate transportation benefits
Forgiveness for first at-fault accident
Comprehensive emergency roadside and driver assistance program
Auto insurance by vehicle type
Choose from the list of vehicle types below for more relevant coverage that may be right for you:
Ways to save on car insurance in Canada
Save by combining home and auto insurance
Save up to 10% when you insure your main residence and personal vehicle(s) today.
Choose the right deductible2
A higher car insurance deductible can lower your premiums, while a lower deductible can save you money at the time of a claim.
Get a free car insurance quote
Start a free car insurance quote online. It takes only a few minutes to complete.
Learn more about car insurance
Renting a Car? Understand Your Insurance Options
Making sure you have proper car rental insurance should be part of your pre-travel plan, whether you’re renting a car for a road trip or need a vehicle for personal use or a business trip.
Collector Car Insurance for Collector or Classic Cars
Car collectors understand the value, beauty, and history that vintage cars represent. These are more than just cars: They’re a piece of art on four wheels. Protecting and maintaining them requires skill, care, and the right kind of insurance. These valuable and cherished items aren’t used in the same way drivers use their everyday vehicles, so they aren’t insured in the same way either.
Tips for Preventing Car Theft in Canada
In 2022, the number of vehicle thefts in Ontario and Quebec went up by 50 per cent. Car owners in Alberta saw car thefts rise by almost 20 per cent, and drivers in the Atlantic provinces experienced a 34 per cent rise in thefts. The Canadian Finance & Leasing Association reports that a car is stolen every six minutes in Canada—and that the numbers are continuing to increase.
Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. As a result of government-run auto insurance plans, car insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.
The information on this website is intended as a summary only. All products and services are subject to the terms and conditions of the applicable insurance contract.
Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
All savings opportunities are based on filed discounts and rates in force and vary based on each individual’s insurance profile and are not guaranteed. Switching insurance and combining home insurance for a primary residence and two vehicles could save Ontario customers up to $805 per year, compared with average annual auto insurance premiums of $2,635 per vehicle and $1,438 for a homeowner’s policy for customers of RBC Insurance in Ontario prior to discounts. Condominium and tenant policies are excluded from this savings calculation.
Certain conditions, limitations and exclusions may apply. For detailed information about how savings could apply to you, including saving opportunities for condominium owners and tenants, speak with a licensed RBC Insurance advisor.
Conditions apply. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.
The repairs are guaranteed as long as you are insured through us.
Service provided by Aviva General Insurance Company. Clients may call 1-888-885-5915 (Mon-Fri, 9am-5pm, ET). Service not available in Quebec. Quebec residents may call 1-888-563-7119 for questions about their policy and coverages.
Risks covered are not limited to those listed.
The Loss of Vehicle Use endorsement provides coverage for reasonable costs up to the limit in your policy. Certain conditions apply.
Coverage applies to the vehicle on which it is purchased. To qualify for this coverage, the automobile must meet all eligibility requirements. Please speak to an RBC licensed insurance advisor to see if you qualify.