Collision vs Comprehensive Auto Insurance in Nova Scotia
Section C physical-damage coverage is not mandatory under Nova Scotia's standard auto product. Collision and comprehensive protect against different causes of damage to the insured vehicle and normally carry their own deductibles.
What to know
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Confirm the current insurer contract, regulatory decision or statutory wording before applying this point to a personal situation.
Optional by law does not always mean optional under a finance contract
A driver who owns a vehicle outright can decide whether to retain more physical-damage risk. A lender or leasing company can impose contract requirements that make collision or comprehensive necessary for the financed vehicle.
Compare the deductible with the vehicle's value
As a vehicle ages, the annual premium, deductible and realistic settlement value become increasingly important. A low deductible on a low-value vehicle is not automatically the best economic choice.
Theft and weather belong in the coverage comparison
Comprehensive risk can include theft and severe-weather losses. Nova Scotia drivers should compare the actual wording rather than assuming collision alone protects the vehicle from every type of damage.
Verify the current Nova Scotia rule
Insurance regulations, rate filings and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.
Nova Scotia — Auto insurance product overview →