Catalytic converter theft remains one of the most expensive vehicle crimes in Canada, often leaving drivers with repair bills worth thousands of dollars.
Read on to learn whether your insurance covers catalytic converter theft, which endorsements are worth considering, how deductibles affect a claim, and what you can do to reduce the risk of becoming a target.
What is a Catalytic Converter?
The catalytic converter is one of the most important components for controlling the harmful polluting emissions from combustion engines. Its main function is to convert the polluting gases produced by burning fuel into less harmful gases. This item is located under the vehicle, close to the exhaust system piping, right next to the oxygen sensor.
Does My Car Insurance Cover Catalytic Converter Theft?
Yes, if you have comprehensive, all-perils, or specified-perils coverage included in your auto insurance policy, catalytic converter theft is typically covered. However, comprehensive coverage is not mandatory in Canada.
If you live in an area with higher rates of theft or vandalism, you should think about whether this coverage is included in your policy before purchasing insurance. Your comprehensive deductible comes off any theft payout. Read the claims section below for a walkthrough of that math.
Why Do Thieves Steal Catalytic Converters?
Three things make converters a target: what’s inside them, how fast they can be cut free, and how hard they are to trace once they’re gone.
What Cars are More Likely to be Targeted for Catalytic Converter Theft?
Converter thieves pick targets by access and payoff. High-clearance pickups, SUVs, and delivery vans can be slid under without a jack. Hybrids like the Toyota Prius are the textbook case because their converters carry a richer load of precious metals and stay in better condition, since the gas engine only runs part of the time.
How to Know If Your Catalytic Converter Has Been Removed?
The stolen catalytic converter will trigger a check engine light and loud roaring noises. While a clogged or failing converter can cause engine overheating due to exhaust backpressure, a stolen converter (which creates an open exhaust) will not typically cause overheating, though it will immediately impact fuel efficiency and vehicle performance.
Deductible Math: When is a Claim Worth it?
Compare the repair cost before you file. Comprehensive deductibles in Ontario commonly sit between $500 and $1,000, and the insurer only pays what’s left after yours comes off the bill:
| Repair bill | Insurer pays ($500 deductible) | Insurer pays ($1,000 deductible) |
|---|---|---|
| $2,000 | $1,500 | $1,000 |
| $3,500 | $3,000 | $2,500 |
| $5,000 | $4,500 | $4,000 |
Keep in mind that filing a comprehensive claim can also potentially lead to a rate increase at your renewal, but that depends on your insurance company.
How Can I Protect My Vehicle?
The recommendations below will not prevent your converter from being stolen, but they will greatly reduce the likelihood of it happening.
