{"id":43111,"date":"2026-10-27T13:47:32","date_gmt":"2026-10-27T17:47:32","guid":{"rendered":"https:\/\/www.rbcinsurance.com\/en-ca\/?p=43111"},"modified":"2026-10-27T13:52:07","modified_gmt":"2026-10-27T17:52:07","slug":"seven-types-of-car-insurance-coverage","status":"publish","type":"post","link":"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/seven-types-of-car-insurance-coverage","title":{"rendered":"The 7 Types of Car Insurance Coverage Explained"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">The 7 Types of Car Insurance Coverage Explained<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-10-27T13:47:32-04:00\">October 27, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/tammy-burns.jpg?quality=80&w=807\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\">Insurance Writer<\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/7-types-car-ins.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/7-types-car-ins.webp 1024w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/7-types-car-ins.webp?resize=300,200 300w, https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2026\/10\/7-types-car-ins.webp?resize=768,512 768w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=The 7 Types of Car Insurance Coverage Explained &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/seven-types-of-car-insurance-coverage\" aria-label=\"Email\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/seven-types-of-car-insurance-coverage\" aria-label=\"Copy URL\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/www.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">1. Third-Party liability coverage<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-1-third-party-liability-coverage\">1. Third-Party liability coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-2-accident-benefits-coverage\">2. Accident benefits coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-3-direct-compensation-for-property-damage\">3. Direct compensation for property damage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-4-collision-coverage\">4. Collision coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-5-uninsured-automobile-coverage\">5. Uninsured automobile coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-6-comprehensive-coverage\">6. Comprehensive coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-7-all-perils-coverage\">7. All perils coverage<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-to-choose-the-right-car-insurance-coverage\">How to choose the right car insurance coverage for your vehicle<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Every time you start up your car, you&#8217;re setting off on a journey, and the right protection helps you do it with confidence. Knowing that the roads can be unpredictable means you can take one simple, smart step to stay protected: understanding the seven types of car insurance coverage and choosing the coverage that fits your life.<\/p>\n\n\n\n<p>Think of car insurance as a financial safety net that looks after you, your passengers, and everyone you share the road with \u2014 giving you the freedom to enjoy the drive, knowing you&#8217;re prepared for whatever comes your way.<\/p>\n\n\n\n<p>In Canada, having some form of<a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" class=\"rbc-link-format\"> vehicle insurance<\/a> is mandatory, with legal minimums set by your province or territory. There\u2019s also optional coverage you can add for extra peace of mind. What counts as mandatory varies depending on where you live, and your insurance provider can tell you what minimums you need and what add-ons are available.<\/p>\n\n\n\n<p>To help you navigate all your options, here are the different types of car insurance coverage that can protect you from legal fees, medical bills, repair costs, and more.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Third-party liability<\/strong> coverage protects you financially if you&#8217;re found responsible for injuring someone or damaging their property.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Accident benefits<\/strong> coverage could help pay for your medical treatment and rehabilitation after a car accident (depending on your location).<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Uninsured automobile<\/strong> coverage protects you if you&#8217;re injured or your vehicle is damaged by an unidentified or uninsured driver.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Direct compensation for property damage<\/strong> <strong>(DCPD)<\/strong> pays repair costs for the percentage you are found not at fault.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Collision<\/strong> coverage protects your vehicle against damage from a collision, even if you&#8217;re at fault.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Comprehensive<\/strong> coverage protects you against damage not caused by a collision, including theft, vandalism, falling objects, and more.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>All perils <\/strong>coverage combines Collision and Comprehensive coverage. In addition, it insures your vehicle against loss or damage should it be stolen by someone living in your home or by someone you have hired to drive, service or repair your vehicle.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-third-party-liability-coverage\">1. Third-Party liability coverage<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Third-party liability (or civil liability) coverage is mandatory for all drivers in Canada.<\/strong><\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>One of the mandatory types of vehicle insurance in every province and territory is <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/what-is-third-party-liability-insurance-canada\/\" class=\"rbc-link-format\">third-party liability coverage<\/a>. Driving without it is illegal, but it\u2019s not just important to have for legal reasons. It\u2019s also important for financial ones.<\/p>\n\n\n\n<p>Third-party liability coverage protects you financially if you\u2019re found responsible for causing injuries to another person or damage to their property. It covers things like medical expenses for the injured party, compensation for pain and suffering, repairs to the person\u2019s vehicle or a building, and your own legal fees if you\u2019re sued after the accident.<\/p>\n\n\n\n<p>Each province and territory sets its own minimum coverage amount for third-party liability coverage.<\/p>\n\n\n\n<p>But some insurance experts recommend drivers opt for at least $2 million despite minimums being lower. That\u2019s because claims under liability can easily exceed minimum limits.<\/p>\n\n\n\n<p>You can speak with a licensed <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">RBC Insurance advisor<\/a> to find out what type of insurance coverage is available for your car and how much is required for your location.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-accident-benefits-coverage\">2. Accident benefits coverage<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><strong>Accident benefits coverage is mandatory across Canada except Newfoundland and Labrador. <\/strong><\/strong><\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Accident benefits coverage protects you financially if you\u2019re injured in a car accident. This includes coverage for medical treatment and rehabilitation, regardless of fault. Depending on your policy, it may also cover lost income if you\u2019re unable to work due to the accident, and funeral costs if the accident results in death.<\/p>\n\n\n\n<p>While accident benefits coverage is mandatory in most provinces, it\u2019s not required in all. Plus, different regions have different mandatory inclusions.<\/p>\n\n\n\n<p>Make sure your policy covers exactly what you need. If it doesn\u2019t, there may be some optional accident benefits you can add for more enhanced coverage.<\/p>\n\n\n\n<p>Effective July 1, 2026, changes were made to accident benefits in Ontario, through the Ontario Auto Reform. For more about these changes and what is considered standard and optional accident benefits, speak to a licensed <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">RBC Insurance advisor<\/a> or <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/lp\/car-insurance\/ontario-auto-insurance-reform\/\" class=\"rbc-link-format\">click here for more information<\/a>.<\/p>\n\n\n\n<p>For more information about Albertas Care-First Auto Reform, effective January 1, 2027, speak to a licensed <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/auto-insurance\/index.html\" class=\"rbc-link-format\">RBC Insurance advisor<\/a> or <a href=\"https:\/\/www.alberta.ca\/care-first-auto-insurance\" target=\"_blank\" data-dig-id=\"LP-Uncategorized-43111-0e009d2e\" data-dig-category=\"LP-Uncategorized\" data-dig-action=\"link click\" data-dig-label=\"click here for more information\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">click here for more information<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-direct-compensation-for-property-damage\">3. Direct compensation for property damage<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><strong><strong>DCPD is mandatory in Alberta, New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island, and Quebec. In Ontario, this important coverage is automatically included with an auto policy but can be removed only at the request of the policy holder although removing it is generally not recommended.<\/strong><\/strong><\/strong><\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Direct compensation for property damage (DCPD) coverage pays for repairing or replacing your vehicle and\/or its contents if you\u2019re in an accident. It covers a percentage of the repair costs that\u2019s equivalent to the percentage you are not at-fault.<\/p>\n\n\n\n<p>If for example, if you are rear-ended and found to be 100% not at fault, the damage to your vehicle would be covered under DCPD, provided the claim qualifies for DCPD coverage.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-collision-coverage\">4. Collision coverage<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><strong><strong><strong>Collision coverage is optional in Canada where auto insurance is not sold through the province.<\/strong><\/strong><\/strong><\/strong><\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/collision-comprehensive-insurance\/\" class=\"rbc-link-format\">Collision coverage<\/a> can pay for losses caused when an automobile is involved in a collision with another object or tips over. Collision coverage will pay the lower of the cost to repair the loss or damage, or the actual cash value of the automobile at the time it was damaged, minus the deductible.<\/p>\n\n\n\n<p>You\u2019ll need to choose a deductible, which is the amount you would pay for a claim before the insurance coverage kicks in. If you choose a higher deductible, it could <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/how-to-calculate-car-insurance-premium\/\" class=\"rbc-link-format\">lower your premium<\/a> but make sure it\u2019s an amount you can reasonably afford.<\/p>\n\n\n\n<p>You may want to consider this coverage if you regularly rely on your vehicle or have a new or high-value vehicle like a <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/advice-learning\/car-insurance\/collector-car-insurance-for-collector-or-classic-cars\/\" class=\"rbc-link-format\">collector car<\/a>. Otherwise, the cost of repairs or a full replacement could mean a big bill and being without a vehicle for a long period of time.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-5-uninsured-automobile-coverage\">5. Uninsured automobile coverage<\/h2>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-list list\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong><strong><strong><strong><strong>Uninsured automobile (or uninsured motorist) coverage is mandatory in all provinces\/territories.<\/strong><\/strong><\/strong><\/strong><\/strong><\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<\/div>\n<\/div>\n\n\n\n<p>Uninsured automobile coverage (also called uninsured motorist coverage) provides financial support for medical expenses or funeral costs if you or your family are injured or killed by an unidentified driver.<\/p>\n\n\n\n<p>It also covers damages to your vehicle if the accident is caused by an identified, but uninsured motorist.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-comprehensive-coverage\">6. Comprehensive coverage<\/h2>\n\n\n\n<p>It\u2019s one thing if your car is in an accident, but what about if it\u2019s vandalized or stolen or hit by a falling object? That\u2019s where <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/coverages\/collision-comprehensive-insurance\/\" class=\"rbc-link-format\">comprehensive coverage<\/a> comes in. While it\u2019s not mandatory, you may want to consider this coverage if you regularly rely on your vehicle or have a new or high-value vehicle.<\/p>\n\n\n\n<p>What\u2019s covered under comprehensive coverage includes common perils such as theft, vandalism, fire, windstorm, hail, rising water, falling or flying objects, and riots or civil disturbances. But events like collisions or regular wear and tear would be excluded from this policy.<\/p>\n\n\n\n<p>With comprehensive coverage, you\u2019ll set a deductible, just like with collision coverage. If you need to file a claim, you\u2019ll pay the deductible amount for repairs, and then your insurance provider pays the rest.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-all-perils-coverage\">7. All perils coverage<\/h2>\n\n\n\n<p>For total protection, you can get all perils coverage, which combines collision and comprehensive coverage into one plan. This is the broadest form of coverage you can get for physical damage to your vehicle. This coverage also includes loss or damage caused if a person who lives in your household steals your automobile. When you choose a policy from RBC Insurance, all perils coverage also includes coverage if your vehicle is damaged or stolen by someone you hired to drive or service it.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-choose-the-right-car-insurance-coverage-for-your-vehicle\">How to choose the right car insurance coverage for your vehicle<\/h2>\n\n\n\n<p>Everyone has different coverage needs, which is why there are optional endorsements you can add in addition to the <a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/liability-and-other-mandatory-car-insurance\/\" class=\"rbc-link-format\">liability and other mandatory coverage<\/a> required by your province or territory.<\/p>\n\n\n\n<p>All standard car insurance plans will include the minimum legal requirements, but you may want more coverage, especially if you rely on your vehicle regularly or have a high-value vehicle, live somewhere with a high risk of theft and vandalism, or if you simply want more peace of mind.<\/p>\n\n\n\n<p>When you\u2019re shopping for car insurance coverage, consider the following factors:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Vehicle value:<\/strong> A newer or high-value car will cost more to repair or replace than an old model, so you may want more coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Budget:<\/strong> Optional add-ons like collision and comprehensive mean you can build a plan that fits your needs, but they also mean extra costs. Calculate which extras add the most value for you at a price you can afford. Adding additional coverage to your policy could cost as little as a few dollars every month.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Deductible:<\/strong> How much can you reasonably afford to pay to repair or replace your car? A low deductible means you will pay less out of pocket, but a high deductible means you will pay more in the event of a claim but could save you money on your premium. Find a sweet spot that works for you.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n\n\n\n<p>Since coverage requirements vary across Canada, <a href=\"https:\/\/www.rbcinsurance.com\/request-a-call\/personal-insurance\/contact-us\/index.html\" class=\"rbc-link-format\">speak with a licensed RBC Insurance advisor<\/a> to make sure you\u2019re properly protected.<\/p>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel section-ads has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-get-your-free-car-insurance-quote\">Get Your Free Car Insurance Quote<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">Take a few minutes to get a competitive auto insurance quote online<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button aligncenter btn before is-style-primary primary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR\" data-dig-id=\"LP-11882-476a44f4\" data-dig-category=\"LP\" data-dig-action=\"button click\" data-dig-label=\"Start my Quote-https:\/\/www1.myrbcsso.rbcinsurance.com\/ada\/quoter?productType=auto&amp;campaignID=BLOG_A13&amp;Lang=FR \">Start my Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/www.rbcinsurance.com\/en-ca\/auto-car-insurance\/\" target=\"_blank\" data-dig-id=\"LP-Assuranceauto-7536-eb5cbf80\" data-dig-category=\"LP-Assuranceauto\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article  is-style-faqs faqs\" data-bg-hero-desktop=\"\" data-bg-hero-mobile=\"\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-faq-about-types-of-car-insurance\">FAQ about types of car insurance<\/h3>\n\n\n\n<h4 class=\"wp-block-heading\">What is the difference between collision and comprehensive coverage?<\/h4>\n\n\n\n<p>Collision coverage is for repairing your vehicle if it\u2019s in an accident with another vehicle or object. Comprehensive coverage is for repairing your vehicle if it\u2019s stolen or damaged by something other than an accident, such as vandalism, fire, or hail.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Which types of vehicle insurance coverages are mandatory in Canada?<\/h4>\n\n\n\n<p>Third-party liability insurance is mandatory in all Canadian provinces and territories. This coverage protects you financially if you\u2019re found responsible for causing injuries to another person or damage to their property.<\/p>\n\n\n\n<p>Accident benefits coverage requirements and benefits can vary by province and territories. Accident benefits coverage protects you financially if you\u2019re injured in a car accident. This includes coverage for medical treatment and rehabilitation, regardless of fault<s>.<\/s><\/p>\n\n\n\n<p>Direct Compensation for Property Damage (DCPD) coverage is mandatory in most provinces. It covers a percentage of the repair costs that\u2019s equivalent to the percentage you are not at-fault.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Do I need comprehensive coverage on an older car?<\/h4>\n\n\n\n<p>It depends on your vehicle and your comfort level with risk. As your car ages and depreciates, the cost of comprehensive coverage may start to approach or even exceed what your car is worth. Consider factors like theft risk in your area or how much financial strain a repair would cause, to decide whether you need comprehensive coverage.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">How do deductibles affect my vehicle insurance coverage?<\/h4>\n\n\n\n<p>The deductible is how much you\u2019ll pay out-of-pocket if you need to file a claim, before your insurance covers the rest. While your coverage limits remain the same regardless of your deductible amount, your premiums can be affected. A low deductible means you would pay less out of pocket in the event of a covered claim, but it also usually means a higher premium. Choosing a higher deductible means you\u2019ll pay more toward a loss before your insurance financially responds, but it can help lower your premium.<\/p>\n<\/div>\n<\/div>\n<\/section>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-12729-2de7ba0a\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia. Not everyone who uses online platforms or calls in will be able to get a quote or buy an insurance policy.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Explore the seven types of car insurance in Canada \u2014 what&#8217;s mandatory in your province, what&#8217;s optional, and how to choose the right coverage for your vehicle.<\/p>\n","protected":false},"author":222,"featured_media":43115,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":"","jetpack_post_was_ever_published":false,"_ppma_block_editor_authors":""},"categories":[49],"tags":[],"article-type":[80],"ppma_author":[187],"class_list":{"0":"post-43111","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-car-insurance","8":"article-type-advice-learning"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.7 (Yoast SEO v28.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>The 7 Types of Car Insurance Coverage Explained | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Explore the seven types of car insurance in Canada \u2014 what&#039;s mandatory in your province, what&#039;s optional, and how to 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