Not every loss is covered
The OAP 1 and certificate define exclusions and deductibles.
Theft exposure can influence premiums
Vehicle theft experience is one of the market factors that can affect comprehensive costs.
Financing or leasing can affect requirements
A lender or lessor may require physical-damage protection even when Ontario law does not.
Compare deductibles as well as premium
A lower premium with a materially higher deductible changes the amount paid by the insured on a claim.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.