Van insurance: What you need to know
Get personalized van insurance quotes from Canada's top providers, in as little as five minutes.
Matt Hands, Business Director, Insurance
When we say car insurance, it’s important to note that all passenger vehicles fall into that category – not just cars. Sport utility vehicles (SUVs), trucks and vans are all considered “cars” and are eligible for car insurance coverage. Here’s a quick look at what types of vans can get a standard car insurance policy.
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A van is a 4-to-5 door automobile used for carrying people or goods. Commercial vans are larger than personal ones and, as such, require commercial vehicle insurance.
Our focus is on personal use van insurance. In other words, vans which are only used to transport passengers and their belongings. The most common type of van is the minivan. A minivan is larger than a sedan, but is still eligible for standard car insurance coverage.
Third-party liability insurance
Collision insurance (optional)
Comprehensive insurance (optional)
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Van insurance in Ontario, Quebec, Nova Scotia, New Brunswick, and PEI includes direct compensation property damage (DCPD).
DCPD coverage 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 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 van insurance is available in BC, Manitoba, and Saskatchewan - you have to buy insurance through provincial crown corporation. In all other provinces, a driver can buy insurance from a provider of their choosing.
At Ratehub.ca, we work with insurance brokers across Canada to finalize your van insurance quote. Below are a few of our partners.
|Begin Insurance||Auto, home, tenant, travel, business, life||Ontario with offices in Markham and Hamilton, Ontario|
|Cheep Insurance||Car, home, tenant, taxi, boat, travel trailer||Atlantic Canada|
|EasyInsure||Auto, home, tenants, boat, life, travel, group||Ontario with head office in Windsor, Ontario|
|Excalibur Insurance||Auto, home, farm, business, landlord, life, travel||Ontario with offices in Clinton, Wingham, Exeter, and Mitchell|
|Insurance Hero||Auto, home, business, travel, life, and group insurance||Ontario with offices in Toronto and Sudbury, Ontario|
|Servo Insurance Brokers||Home, auto, farm, business, high risk||Ontario with offices in Toronto and Kingsville, Ontario|
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Matt started his professional career at CARPROOF where he honed his marketing and analytical skills for over 3 years. Matt then took his wealth of experience to Ratehub.ca’s Toronto offices, working with insurance providers, agents, and brokers to grow and expand the Insurance business unit. He is a thought leader in the community and a valuable insurance resource to respected publications like the Globe & Mail, Toronto Star, Huffington Post, Yahoo News, and 680 news radio in Toronto.read linkedin bio
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