DCPD Insurance in New Brunswick: Direct Compensation Property Damage

Direct Compensation–Property Damage lets a New Brunswick driver claim qualifying property damage from their own insurer to the extent another person was at fault, rather than collecting from the other driver's insurer.

Private-market guide. Regulatory approvals, statutory coverage and insurer-specific pricing are kept separate so a market rule is never presented as a personal quote.

UpdatedAugust 31, 2026

ByCanada Rate Lab Editorial Team

SourcesFCNB + New Brunswick Insurance Board

MethodologySource-led research

KEY FACTS

ProvinceNew Brunswick

MarketPrivate insurers

TopicDCPD Coverage

Personal quoteNot assumed

What to know

01DCPD is part of New Brunswick's mandatory automobile insurance coverage.

Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.

02It covers qualifying damage to the insured vehicle and its contents to the extent another person was at fault.

Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.

03Qualifying loss of use of the vehicle or contents can also fall within DCPD.

Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.

04DCPD should not be confused with optional collision coverage for the insured driver's at-fault portion of damage.

Confirm the current policy, regulator guidance or statutory wording before applying this point to a personal situation.

DCPD changes who pays the qualifying not-at-fault claim

Instead of pursuing the at-fault driver's insurer for qualifying property damage, the insured deals with their own insurer under DCPD. The coverage follows the portion of the loss attributed to another person's fault.

Partial fault can involve more than one coverage layer

If responsibility is split, DCPD can address the not-at-fault portion while optional collision coverage may be relevant to the insured driver's at-fault portion, subject to the contract and deductible.

Contents and loss of use are part of the comparison

FCNB's description specifically includes vehicle contents and loss of use within qualifying DCPD protection. That makes the coverage broader than a simple repair-cost label.

PRIMARY SOURCE

Verify the current New Brunswick rule

Insurance rules, rate approvals and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.

FCNB — Automobile Insurance →

More New Brunswick auto research

BASIC COVERAGEMandatory CoverageNew Brunswick mandatory auto insurance explained: C$200,000 liability, DCPD, accident benefits and uninsured/unidentified automobile coverage.RATE REGULATIONHow Rates Are RegulatedHow New Brunswick auto insurance rates are reviewed by the New Brunswick Insurance Board and why insurer approvals are not province-wide quotes.INJURY BENEFITSAccident BenefitsNew Brunswick mandatory accident benefits explained: no-fault medical, rehabilitation, funeral, death and income-loss benefits.UNINSURED AUTOUninsured & Hit-and-RunNew Brunswick uninsured and unidentified automobile insurance explained, including hit-and-run injury protection and the C$250 vehicle-damage deductible described by FCNB.DRIVER PRICINGRating Factors & First ChanceNew Brunswick auto rating factors explained: territory, vehicle, use, driving record, coverage, deductibles and the regulated First Chance Discount for inexperienced drivers.

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