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Car insurance
Additional coverage

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If you’re interested in adding any of the following types of coverage to your car insurance policy, give us a call and one of our professionals will be happy to help you.

Type of coverage

Examples

Specified perils:

(limited coverage)

This coverage pays only for losses caused by perils specifically listed in the policy (fire; theft or attempted theft; lightning, windstorm, hail, or rising water; earthquake; explosion; riot or civil disturbance; falling or forced landing of aircraft or parts of aircraft; 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).
  • Your vehicle is stolen and never recovered, or recovered with substantial damage.
  • Fire engulfs the house next door, spreads to your driveway and destroys your vehicle.

Comprehensive:

This coverage includes specified perils but also pays for all other insured damage caused to your vehicle (e.g., fire, theft, vandalism), except for collision or upset.
  • High winds cause flying debris which damages your vehicle.
  • Vandals break into your garage and damage your vehicle.

Collision or upset:

This coverage pays for damage to your vehicle caused by a collision with another object or by upset.
  • Your vehicle is damaged as a result of it flipping over on the road.
  • You lose control of your vehicle on the ice and hit the guard rail.

All perils:

(Broad coverage)

This coverage combines all perils, collision and comprehensive.
  • A flood damages your vehicle.

Other coverage offered in Newfoundland and Labrador

Accident benefits

If you (or any other person entitled to benefits under this coverage) are in an accident, regardless of who is at fault, this may cover a portion of the incurred expenses.

Examples:

  • You break a leg in an accident and need rehabilitation. The rehabilitation and other medical costs may be covered as a supplement to any basic health insurance you already have, subject to your insurance policy limits.
  • A vehicle loses control, hitting your vehicle and injuring you. If you carry insurance, your loss of income may be covered, subject to your insurance policy limits.

The expenses that may be covered following an accident are:

  • income replacement
  • medical expenses
  • rehabilitation expenses such as physiotherapy
  • funeral expenses

Death benefits may also be paid.

Visit our mandatory coverage in Newfoundland and Labrador page for more information on car insurance in your province.

As with all insurance contracts, loss or damage coverage is subject to limits, deductibles and exclusions. Please see your auto insurance policy for the extent of your coverage.


In case of discrepancy between the information provided on this website and your insurance policy, your insurance policy prevails. Remember, the exclusions and limitations specified in your policy apply in all circumstances.

The information and examples provided in this section are intended as general information only. This does not constitute legal or insurance advice, nor does it pertain to determination of fault. In all cases, you should speak to an insurance professional before acting. Your insurance policy contains limitations and restrictions which vary by province and may affect your coverage and/or determine whether or not benefits will be payable.

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