FR Second Header Help & Support Main navigation Get a Quote Auto Quote Home Quote Bundle Quote Call 1-877-236-0924 FR Second Header Help & Support Help & Support - Auto Insurance Search Auto Insurance FAQAuto InsuranceDeductibles Does a deductible always apply for auto insurance coverage? Typically, a deductible is applied to every claim. The exception (in most provinces) is when the loss is caused by fire, lightning or when a vehicle is stolen.Did that answer your question?YesNo More FAQs Anti-theftConvictionsCoverageDeductiblesLegalLending a VehicleRatesRental CarsUninsured Drivers