CANADIAN INSURANCE TERM
Comprehensive Coverage
Optional automobile physical-damage coverage for certain losses other than collision, commonly including risks such as theft, fire, vandalism or specified weather events, subject to the policy.
Plain-language definition. A real policy, endorsement and provincial law can use more specific wording than a glossary summary.
TermComprehensive Coverage
ContextCanadian insurance
Source typeIndustry glossary
Policy wordingControls claim
What does Comprehensive Coverage mean?
Optional automobile physical-damage coverage for certain losses other than collision, commonly including risks such as theft, fire, vandalism or specified weather events, subject to the policy.
Comprehensive coverage does not mean every possible loss is covered. Exclusions, deductibles and policy conditions still apply.
Comprehensive Coverage in practice
A stolen insured vehicle may fall under comprehensive coverage if theft is covered by the policy and the claim meets the policy conditions.