Auto insurance coverage

Established by provincial and territorial governments, mandatory auto insurance is the minimum amount of coverage every vehicle owner must have. Additional auto insurance coverages you may consider include:
Collision
Specified perils
Comprehensive
All perils
Collision
Your vehicle flips over on the road and is damaged. You lose control of your vehicle on icy asphalt and hit a guardrail. This coverage pays for damage to your vehicle caused by upset or a collision with another object.
Specified Perils
Your vehicle is stolen and never recovered or recovered with substantial damage. Fire engulfs your next-door neighbour’s house, spreads to your garage and destroys your insured car or truck. Specified perils pays only for losses caused by perils specifically listed in your policy. These perils are:
Fire
Theft or attempted theft
Lightning
Hail
Rising water
Earthquake
Windstorm
An explosion, riot or civil disturbance
The falling or forced landing of aircraft or parts of aircraft
The stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which, a described automobile is being carried on land or water
Comprehensive
High winds cause flying debris that damages your car. Vandals break into your garage and damage your truck. Comprehensive coverage includes all perils, except for collision, or upset of the automobile, or damage caused by theft by a person residing with your or who repair your car.
All Perils
If damage is caused while your vehicle was stolen by someone in your household or someone you’ve hired to drive your vehicle (e.g., an employee), with all perils, this would be covered.
Your Policy Confirms Your Insurance Coverage
Loss or damage coverages are subject to limits, deductibles and exclusions that apply in all circumstances. The examples above are provided as general information only. Please review your auto insurance policy and talk to your insurance representative for information about your auto 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.
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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.
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Minor Conviction Protection
Do you ever worry about how a minor conviction, such as a speeding ticket, could impact your car insurance premium? With Minor Conviction Protection, you’ll have peace of mind knowing your first minor conviction won’t affect your premium.
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my Driving DiscountTM
Some people have better driving habits than others. That’s why we have our my Driving Discount program that rewards good driving behaviour. Through this program, you could save up to 25%* off your car insurance premium.
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Uber Ridesharing
If you are an Uber driver in Ontario, Intact now provides a commercial policy that covers you from the instant you make yourself available to accept an Uber ride request, to the moment passengers exit your vehicle.
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Turo Car Sharing
Is your car sitting idle in your driveway? Put it to work and earn extra income by listing it with Turo — an online marketplace that allows private car owners to rent out their vehicles. It’s simple, safe and you can choose who rents your car and when.
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Get the best value for your money with car insurance and home insurance bundles from Intact Insurance
One bill. One payment. One renewal date. It’s that easy!
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Savings and payments on your car insurance
At Intact Insurance, we treat each person as an individual.
We work with local, independent brokers to offer insurance coverage and premium amounts unique to you. Speak with a broker to help navigate through the different car insurance coverage options to ensure your discounts are built right into the price you pay.
We offer a variety of convenient payment options to help make it easier to manage your payments.
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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.
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30 Minute Claims Guarantee
When you call Intact Insurance to report a claim, we guarantee that within 30 minutes of answering your call, one of our dedicated claims representatives will start your claim.