Get your online insurance quote

What is Comprehensive Coverage in Ontario Car Insurance?

What Is Comprehensive Insurance In Ontario | KBD Insurance
Curtis Killen

As president of KBD, Curtis aims to simplify insurance for his clients. He’s helped lead KBD to become one of Canada’s fastest 400 growing companies according to the Globe & Mail.

Edited on:

Published on:

In Ontario, comprehensive car insurance is an optional coverage that pays out for damages to your vehicle caused by weather, fire, theft, and more.

That’s the simple answer.

If you’re here to learn what comprehensive coverage means – what it covers, and what it doesn’t – we’ve got you.

And we get it.

Insurance can be confusing, and car insurance has a lot of moving parts.

But reading this won’t feel like you’re studying for the LSAT (promise).

Comprehensive Car Insurance in Ontario Made Simple | KBD Insurance

Keep scrolling to learn if comprehensive car insurance is the right fit for you.

Or just give us a call.

What is included in Ontario comprehensive car insurance?

There are several different types of car insurance coverages in Ontario.

In most cases, comprehensive insurance is optional car insurance coverage.

Basically, comprehensive auto insurance covers you for accidents that are not driving related.

If you get comprehensive coverage in Ontario, it’ll pay for repairing or replacing your vehicle up to its total value.

Comprehensive insurance covers your car for things like:

  • Falling objects (hail, tree branches, etc.)
  • Vandalism
  • Theft & attempted theft
  • Fire
  • Natural disasters
  • Weather related accidents
  • Civil disturbance

It’s a good idea to get your insurance broker to explain exactly what you’ll be covered for with comprehensive car insurance.

That way if you need to make a claim, there won’t be any surprises.

What does comprehensive insurance not cover in Ontario?

Think of choosing car insurance coverage like ordering at a restaurant.

If you order one item, they’re not going to bring you the entire menu; you’ll get exactly what you asked for.

In the same way, it’s possible to carry some car insurance, and not be covered for every kind of accident.

For example, comprehensive car insurance in particular does not cover:

  • Bodily injuries
  • Medical bills

So it’s important to fully understand exactly what your policy covers.

Who should get comprehensive auto insurance?

If you can’t cover the full cost of replacing your vehicle, you should consider comprehensive car insurance.

You may also fit the bill for comprehensive coverage in Ontario if:

  1. You live in an area that’s prone to storms and weather related damage
  2. You don’t have the cash on hand to replace your vehicle outright
  3. You own a luxury or vintage vehicle that has high repair and replacement costs
  4. You have a newer vehicle that you want to fully insure

The best way to know if comprehensive car insurance is right for you is to give your Ontario insurance broker a call.

You can learn more about car insurance in Ontario here.

What are the different types of car insurance in Ontario?

Like we said, all drivers in Ontario must be insured in order to legally drive.

You also have to have proof of insurance in order to register a vehicle in Ontario.

Mandatory car insurance coverages include:

Optional coverages include:

  • Collision
  • Comprehensive

Again, comprehensive car insurance is optional coverage in Ontario.

But you might not want to skimp on it depending on what you have to insure.

The best way to know which kind of car insurance is right for you is by chatting with an Ontario-based insurance broker.

They’ll be able to recommend coverage based on your needs and priorities.


There you have it.

Comprehensive car insurance will cover you for accidents related to weather, vandalism, and other non-driving related incidents.

Still have questions? Give the KBD Ottawa insurance brokers a call.

We’ll be happy to help sort out your Ontario car insurance.

Get to know KBD on social media. YouTube, Instagram, TikTok