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What is van insurance
Matt Hands, VP, 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.
Types of van insurance
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.
How van insurance works in Canada
Minivan insurance works the same as car insurance with the same basic coverages and add-ons available.
Third-party liability insurance
Accident benefits
Uninsured motorist
Collision insurance (optional)
Comprehensive insurance (optional)
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Provincial differences in van insurance coverage
Van insurance in Ontario, Quebec, Nova Scotia, New Brunswick, Newfoundland, PEI, and Alberta (as of January 2022) 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, NF, NB, PEI, AB)
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 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.
Where to get van insurance in Canada
At Ratehub.ca, we work with insurance brokers across Canada to finalize your van insurance quote. Keep in mind if you need insurance in BC, Saskatchewan or Manitoba, those are public markets and must be purchased through the government. Below are a few of our partners that can help you save on private market van insurance: