Customer Help & Support

What does Specified Perils coverage provide me?

This covers loss or damage of your vehicle. It often goes hand in hand with Collision coverage as an alternate to comprehensive cover but it can be purchased separately.

Specified perils covers the cost of damage from:

  • Fire
  • Theft or attempted theft
  • Lightning
  • Windstorm
  • Hail
  • Rising water
  • Earthquake
  • Explosion
  • Riot or civil commotion
  • Falling or forced landing of an aircraft (or its parts)
  • Damage during transport on land or water (e.g. sinking of a ship, derailment of a train, burning or collision of a truck carrying the vehicle)

Glass breakage and vandalism aren't covered. Comprehensive coverage helps in those cases.

This coverage is optional in most provinces, but if you finance or lease a vehicle, the financial institution may not permit Specified Perils and may insist that Comprehensive cover is required. You should check with your financial institution to determine what is acceptable to them.

Wondering if you have Specified Perils? Customers can review their coverage, 24 hours a day, 7 days a week, via our online self-service tool – click here to get started. Access "View Policy Details" and look for Specified Perils under your coverage. 

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