Comprehensive coverage

Comprehensive coverage protects your vehicle against a number of losses. As well as paying for repairs or a replacement windshield, it covers you if the vehicle is lost or damaged by any of the following:

• weather — lightning, windstorm, hail, rising water
• theft, vandalism and malicious mischief
• missiles and falling or flying objects, including rock or gravel damage to your windshield
• the stranding, sinking, burning, derailment, upset or collision of a conveyance transporting the vehicle on land or water
• fire
• earthquake
• civil commotion or riots
• impact with a domestic or wild animal

Talk to your Autoplan broker about Comprehensive coverage.

Comprehensive coverage can save you money

• Deductibles start at only $300.
• For windshield damage caused by flying objects such as rocks or gravel, you pay a $200 deductible (if you buy Comprehensive coverage with the minimum $300 deductible).
  
• Any claims you make on your Comprehensive coverage will not affect your position on the Claim-Rated Scale.
• You automatically get Loss of Use coverage if your vehicle is stolen.

Comprehensive does not cover you for:

• contents of any vehicle other than some contents of a motor home
• any part of the vehicle as a result of mechanical breakdown
• rust, corrosion, wear and tear
• freezing
• tires (unless stolen or if the damage is a result of one of the losses listed above)
• explosion within the combustion chamber (unless the damage is caused by one of the losses listed above)

What else do I need to know about Comprehensive coverage?

Comprehensive coverage includes Loss of Use coverage only if your vehicle is stolen (as long as your vehicle is not a taxi, limousine-use or u-drive vehicle). Coverage begins 72 hours after the theft is reported to police, and ends on the earlier of:

• completion of repairs to a recovered vehicle
• ICBC settling or offering to settle the claim
• reaching the limit of coverage, which is up to $40 per day to a maximum of $800.  

You might also be interested in

You might want to consider Excess Special Equipment coverage. With this endorsement, you can insure non-manufacturer's equipment worth more than $5,000, or sound and communication equipment worth more than $1,000.