DCPD Insurance in Prince Edward Island

DCPD has applied in Prince Edward Island since October 1, 2015. For qualifying accidents, an insured deals with their own insurer for the portion of vehicle, contents and loss-of-use damage for which they are not at fault.

Private-market guide. Legislation, IRAC rate oversight and insurer policy choices are kept separate so a system rule is not mistaken for a personal quote.

UpdatedAugust 31, 2026

ByCanada Rate Lab Editorial Team

SourcesIRAC + Government of Prince Edward Island

MethodologySource-led research

KEY FACTS

ProvincePEI

MarketPrivate insurers

TopicDCPD Coverage

Personal quoteNot assumed

What to know

01DCPD became effective for PEI automobile accidents on October 1, 2015.

Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.

02DCPD is mandatory coverage in PEI.

Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.

03It covers the not-at-fault portion of qualifying automobile damage, contents damage and loss of use.

Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.

04Optional collision coverage is still needed to cover the at-fault portion of insured vehicle damage, subject to its wording and deductible.

Confirm the current PEI policy, legislation or IRAC decision before applying this point to a personal situation.

DCPD is direct compensation, not no-fault insurance

Fault still has to be determined. The percentage for which the insured is not at fault determines the DCPD portion of qualifying property damage, while an at-fault portion can fall to collision coverage if purchased.

A 100% not-at-fault DCPD claim does not use a DCPD deductible

PEI's consumer guidance says there is no DCPD deductible when the insured is 100% not at fault. If the driver is partially at fault, the collision deductible can apply to the at-fault portion handled through collision coverage.

Loss of use belongs in the DCPD analysis too

DCPD can cover qualifying loss-of-use or rental costs to the extent the driver is not at fault. Additional protection for an at-fault portion depends on optional policy coverage or endorsements.

PRIMARY SOURCE

Verify the current PEI rule

Insurance legislation, approved rates and policy wording can change. Use the primary source below when making a purchase, renewal or claim decision.

Prince Edward Island — DCPD Questions and Answers →

More Prince Edward Island auto research

BASIC COVERAGEMandatory CoveragePEI mandatory auto insurance explained: C$200,000 minimum third-party liability, DCPD, accident benefits and uninsured/unidentified automobile coverage.RATE REGULATIONHow Rates Are RegulatedHow PEI auto insurance rates are regulated by the Island Regulatory and Appeals Commission, including annual insurer filings and risk-classification review.INJURY BENEFITSAccident BenefitsPEI mandatory automobile accident benefits explained: medical and rehabilitation benefits, funeral expenses, death benefits and loss-of-income payments.OPTIONAL DAMAGECollision vs ComprehensivePEI collision and comprehensive coverage compared: at-fault collision, theft, fire, vandalism, weather damage, deductibles and lender requirements.RATING FACTORSRating Factors & CLEARHow PEI private insurers use driver, location, mileage and vehicle factors, plus IRAC-reviewed CLEAR rate-group table updates.

Compare your own numbers

Renewal Increase Deductible Break-Even Vehicle Research Sources & Data