Types of car insurance coverage
No matter what kind of vehicle you are insuring you can choose various levels of coverage, depending on how much protection you want for your car insurance:
- Collision and Upset coverage protects you from costs to repair damage to your vehicle caused by impact with another vehicle or an object such as a guardrail.
- “Coverage against perils other than collision or upset”, previously called Comprehensive, protects you from costs to repair damage to your vehicle from unexpected situations such as fire, theft, vandalism or natural disasters.
- All Perils protection combines both of the above coverages.
- Specific Perils coverage protects your vehicle only against specific dangers, such as theft or attempted theft, some natural disasters, riots or civil disturbances.
Car Insurance Coverage Based on Your Vehicle
Car insurance liability coverage is mandatory for driving in Canada. Beyond that, there are other options to consider for your ideal coverage.
The type of vehicle you drive is one factor that determines what type of car insurance you need.
If you own a brand new car, for example, you may want your insurance policy to cover the full replacement cost in the event of an accident.
Car Insurance Coverage Based on Your Driving Habits
Do you commute every day, or save your driving for weekends? Are you running errands or carpooling?
Good driving record?
Intact Insurance rewards good drivers with our Responsible Driver Guarantee®*, which means your first at-fault accident is on us.
We treat it like it never happened:
- No increase on your auto insurance premium as a direct result of your first at-fault accident
- Your good driving record remains unchanged for as long as you hold an Intact Insurance auto insurance policy
In case of a second at-fault accident
Intact Insurance will treat your second accident as if it was your first:
- Your driving record will be adjusted to reflect one unprotected at-fault accident
*Certain conditions, limitations and exclusions may apply.
Drive green and save!
Have you made the environmentally responsible choice to buy an electric vehicle or a rechargeable hybrid? Insure it with Intact Insurance and you can receive a discount on your auto insurance premium! (Hybrid discounts are available in NB 10%, NS 5% and NL 5%)
Car Insurance Claims
No one wants to be involved in an accident, but if you need to make a car insurance claim we'll get you through the process as quickly and efficiently as possible.