ALL PERILS EXCEPT
COLLISION OR UPSET

Q: What damage is not covered under All Perils Except Collision or Upset coverage?

This coverage lives up to its name. Accordingly, collisions, rollovers and hit-and-runs are not covered under All Perils Except Collision or Upset coverage. For comprehensive coverage, add on Collision or Upset coverage .

Q: Does this coverage include damage caused by weather events such as hail or windstorms?

Yes. If your vehicle is damaged due to inclement weather, such as wind, lightning or hail, you can file a claim, if necessary. The same applies if a tree branch falls on your car: This is an event covered under All Perils Except Collision or Upset coverage.

Recommended protection

This optional coverage protects your vehicle against fire, theft, vandalism, glass breakage and specific risks.

Coverage

All Perils Except Collision or Upset car insurance coverage¹ protects you against damage to your vehicle, except risks under Collision and Upset coverage.

Your financial institution may require this coverage if your vehicle is financed by a loan, or by your lessor if your vehicle is leased.

All Perils Except Collision or Upset coverage provides protection for:

Fire, theft and vandalism
Glass breakage
Weather-related damage due to wind, lightning or hail
Falling or airborne objects

It is particularly useful in the following circumstances:

You’re on the road and another vehicle sends a rock flying into your windshield, cracking it.
You park your car, and when you get back, there’s graffiti on the car’s hood.
Your vehicle is damaged during a violent storm.

Are you looking for “two-way” coverage? Don’t forget to add on our Collision and Upset coverage to protect your vehicle against damage caused by certain types of collisions, rollovers or if you are the victim of a hit-and-run.

Bundle two of our recommended coverage options today and hit the road worry-free: All Perils Except Collision or Upset and Collision and Upset.

Collision and Upset coverage cannot be purchased as a standalone product.

¹ Chapter B3