What is comprehensive insurance and what does it cover? + MORE May 23rd

Wondering how to get the best car insurance in Canada? It’s tricky, as auto insurance rules vary from province to province, so that some auto coverages are mandatory and others optional. Add on the many factors influencing the premiums drivers pay, and there is no single best policy for Canadians. That said, you can find the best policy for you. Whether it’s you or a family member getting behind the wheel, this guide will walk you through the most commonly asked questions about car insurance, from what it covers to how to get a competitive rate. 

This guide covers all your auto insurance questions:

What is car insurance?Is car insurance mandatory in Canada? What does car insurance cover?What coverage add-ons are recommended?How much car insurance do you need?How much does car insurance cost in Canada?How to find the best car insurance in CanadaHow to compare auto insurance quotes Auto insurance for high-risk drivers

Compare personalized quotes from Canada’s top car insurance providers…

Comprehensive insurance essentially covers you for things that happen to your car that aren’t caused by you or another driver. Think of it this way: If collision insurance covers you for accidents, comprehensive insurance covers pretty much everything else that could happen to your vehicle. It provides auto coverage for an array of situations, including fires, severe weather damage, vandalism and theft.

Designed to work with collision insurance, comprehensive car insurance allows you to make claims through your insurance to cover costs of repairs or even provides a settlement if the repair estimates exceed the value of the vehicle itself. Comprehensive insurance is optional, meaning you’re not legally required to have it, but it means you won’t be paying out of pocket if your car gets vandalized or stolen. Keep reading to learn more about what’s covered with comprehensive insurance—and what isn’t.

Compare personalized quotes from Canada’s top car insurance providers.All in under 5 minutes with ratehub…

If you’re looking for a card that delivers top rewards without an annual fee, look no further. These no-annual-fee cards can still get you perks on what you spend, like cash back on groceries, recurring bills, travel and more. Plus, with perks like no foreign transaction fees, travel insurance and no foreign transaction (FX) fees, these no-fee credit cards can be the smartest choice for your wallet, depending on your habits.
The best no-fee credit cards in Canada 2022

Card
Best for
Rewards / Feature

Tangerine Money-Back
(get more details)*
 
Cash back

2% in up to 3 categories of your choice
0.5% on everything else

AMEX SimplyCash
(get more details)*
Flat-rate

1.25% cash back on everything

Brim Mastercard
(get more details)*
No FX fees

1 pt/$1 on everyday purchases
No FX fees
Bonus points at eligible retailers
1 pt = 1% in cash back

MBNA Rewards Platinum Plus Mastercard
(get more details)*
Travel

2 pts/$1 on groceries & dining1
1 pt/$1 on everything else
1 pt = 1 cent in travel rewards

MBNA True Line
(get more details)*
Low APR

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As Canadians pack their bags, travel agencies and trip providers are pushing protection add-ons, while insurance providers are promoting their travel insurance plans. What’s the difference?