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Matt Hands, VP, Insurance and MoneySense
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.
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.
Third-party liability insurance
Collision insurance (optional)
Comprehensive insurance (optional)
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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.
At Ratehub.ca, we work with insurance brokers across Canada to finalize your truck insurance quote. Below are a few of our partners:
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Matt Hands, Business Director of Insurance
With 6+ years of experience at Ratehub.ca, Matt’s focus has been on growing its newest business unit, Insurance. He is a thought leader and a valuable resource to respected publications across Canada. read full bio
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