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What is truck insurance?
When we talk about car insurance, it's important to remember that all passenger vehicles fall into that category – not just cars. Sport utility vehicles (SUVs), vans and trucks are all considered "automobiles" in the insurance companies' eyes. Here's a quick look at what types of trucks can get a standard car insurance policy.
What qualifies as a truck?
Trucks fall into one of two categories: personal or commercial. A personal truck is a pickup truck or SUV that is used for personal reasons (including to commute to and from work).
On the other hand, a commercial truck is much larger and almost always used to transport goods, so it needs commercial insurance coverage. A pickup truck used commercially (e.g. by a construction company) would also require commercial truck insurance. If you use a pickup truck or SUV for personal reasons, you can get standard auto insurance for it.
How truck insurance works in Canada
Truck insurance works the same as car insurance with the same basic coverages and add-ons available.Â
Third-party liability insurance
Accident benefits
Uninsured motorist
Collision insurance (optional)
Comprehensive insurance (optional)
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Provincial differences in truck insurance coverage
Truck insurance in Ontario, Quebec, Nova Scotia, New Brunswick, and PEI includes direct compensation property damage (DCPD).
DCPD means your insurer pays to repair your car when you're not at-fault following a collision in provinces that have it (e.g. ON, QC, NS, NB, and PEI)
No-fault truck insurance means you only ever deal with your insurer in any claim. It's available in all provinces, but there are differences. For instance, in Saskatchewan, you can opt for the Tort system. If you do, and you're found at-fault, you'll pay to repair your car, the other car, and the other driver's injuries.
In Alberta and BC, victims are permitted to sue the at-fault driver for pain and suffering. You can't in Manitoba or Ontario who have more complete no-fault insurance.
Public truck insurance is available in BC, Manitoba, and Saskatchewan - you have to buy insurance through provincial crown corporation. Every other province can buy their truck insurance from a provider of their choosing.
Where to get truck insurance in Canada
At Ratehub.ca, we work with insurance brokers across Canada to finalize your truck insurance quote. Below are a few of our partners:
Frequently asked truck insurance questions
Does car insurance cover rental trucks?
The answer lies in your own insurance policy. For one, you want to make sure your personal car insurance covers rental cars. If so, you can likely forego the rental car insurance, though we recommend calling  your provider to confirm before foregoing.
If you don't have rental car insurance, your credit card may protect you, but only if you damage the car, not if you injure someone or yourself. If you're moving, and don't have tenant's insurance, or a home insurance policy, get the personal contents insurance. Otherwise, your stuff isn't protected.Â
Are trucks more expensive to insure than cars?
The easy answer is to say on average, yes. Unfortunately, there is no simple answer. On the one hand, due to the vehicle’s size, passengers in a truck may be less likely to be injured in an accident. Also because trucks are typically driven by an older demographic, they take fewer risks.
However, trucks could, in theory, cause more property damage than small cars. But, maybe truck drivers report fewer claims due to their trucks resiliency to damage.Â
Some trucks are also far more likely to be the target of thieves. In fact, every year trucks consistently make the list of the top 10 stolen cars in Canada (Ford F350, and its iterations, make up most of the list)
Overall, the same rules that exist to determine standard car insurance premiums apply to trucks.
Your truck insurance premium is based on the following:
- make/model/year of the vehicle
- Your demographic (young drivers typically pay more)
- how you intend to use it (work, commute, pleasure)
- your own personal driving record (accidents vs. claims-free)
- the amount of coverage you wish to add
- Your location (including where you park)
- the dollar amount of your deductiblesÂ