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Policy Changes

Commercial Auto

SUMMARY OF KEY CHANGES FOR COMMERCIAL VEHICLES – Alberta

We previously shared with you that Royal & Sun Alliance Insurance Company of Canada (“RSA”) was acquired by Intact Financial Corporation. As a result, your RSA insurance policy is being transferred to Intact Insurance Company (“Intact Insurance”) on your policy‘s renewal date.  

As part of the transition to Intact Insurance, certain coverages on your existing policy may have been reduced/removed or enhanced/increased. The main coverage changes are listed below; please read the content carefully.

This is only a summary of the changes that may impact your coverage. Please refer to your insurance policy which provides the full details of your coverage, including a full list of conditions and exclusions. If you have questions about your policy or these changes, please contact your broker.

Deductible changes for All Perils, Collision, Comprehensive and Specified Perils

Your deductibles may have changed. If the deductible you had previously at RSA is not available at Intact Insurance, it has been changed to the next lowest available.

 

Deductibles are based upon vehicle weight and List Price New (LPN). LPN is the Manufacturer's Suggested Retail Price (MSRP) at the time of purchasing a new vehicle, excluding tax. It also includes the installed cost of any permanently attached equipment.

 

The minimum deductible requirements are outlined below:

·         When LPN is less than $85,000, minimum deductibles are $500.

·         When LPN is $85,000 or more, the minimum deductible will be 5% or more of the LPN.

Endorsements

The following endorsements have seen changes in coverage, limits, deductibles, or have been removed. Please review to see how your policy may have been affected.

Endorsement

Changes

SEF 8A - Property Damage Reimbursement for Operation by Named Person (Section A only)

Previous deductible:

New deductible:

Deductible < $5,000

$5,000

Deductible > $5,000

$25,000

SEF 20 – Loss of Use

Your limits may have changed. Please review the following chart to see your new limits:

 

Previous limit:

New limit:

$1,000 and under

$1,000

$1,001 - $2,500

$2,500

$2,501 - $5,000

$5,000

$5,001 and greater

$5,000

 

Daily limit no longer applies.


SEF 20 endorsement is no longer available where the vehicle does not have all perils or collision and comprehensive or collision and specified perils coverage.

SEF 27 – Legal Liability for Damage to Non-Owned Automobile

Your limit or deductible may have changed. Please review the following chart to see your new limits:

 

Previous limit range:

New limit:

Under $40,000

$40,000

$40,001 – $50,000

$50,000

$50,001 – $60,000

$60,000

$60,001 – $70,000

$70,000

$70,001 and greater

No change

 

Previous minimum deductible:

New minimum deductible:

$500

$1,000

 

SEF 27 endorsement is no longer available where the vehicle does not have all perils or collision and comprehensive or collision and specified perils coverage


If applied to a vehicle with SEF 30/30A excluding attached machinery endorsements, SEF 27 is no longer available and has been removed.

SEF 28 - Reduction of Coverages as Respects Operation by Named Person(s)

Your limit may have changed. Please review below for your new limit:

 

Previous limit:

New limit:

$200,000 - $2,000,000

$200,000

SEF 28A – Reduction of Coverage as Respects to Operation on Airport Property

 

SEF 28B – Reimbursement of Claim Paid on Airport Property

If your policy has the SEF 28A attached, it will be removed and amended to the SEF 28B with the limits below. Contact your broker for more details.

 

Previous limit:

New limit:

$200,000 - $5,000,000

$200,000

SEF 39 - Accident Rating Waiver

Depending on your claims history, convictions and vehicle use, SEF 39 may no longer be available. Please review your policy documents for details or review with your broker.

SEF 43R – Limited Waiver of Depreciation

Previous coverage:

New coverage:

Coverage up to 24 months

Coverage up to 30 months

SEF 44 – Family Protection

Your new limit will be equal to the third party liability limit unless otherwise specified in your policy documents.

Elite Protection Plan

 

 

Previous coverage:

Replaced with:

RSA Elite Protection Plan

Intact Plus Pac

SEF 20 – Loss of Use ($2,000 limit per occurrence with no daily limit)

SEF 20 – Loss of Use ($2,500 limit per occurrence with no daily limit)

SEF 27 – Legal Liability for Damage to Non-Owned Automobile ($75,000 limit)

SEF 27 – Legal Liability for Damage to Non-Owned Automobile ($70,000 limit)

SEF 39 – Accident Rating Waiver

SEF 39 – Accident Rating Waiver

(Please refer to SEF 39 above to confirm eligibility)

Elite Protection Plan Plus

 

 

Previous coverage:

Replaced with Intact:

RSA Elite Protection Plan Plus

Intact Plus Pac

SEF 20 – Loss of Use ($2,000 limit per occurrence with no daily limit)

SEF 20 – Loss of Use ($2,500 limit per occurrence with no daily limit)

SEF 27 – Legal Liability for Damage to Non-Owned Automobile

($75,000 limit)

SEF 27 – Legal Liability for Damage to Non-Owned Automobile

($70,000 limit)

SEF 39 – Accident Rating Waiver

SEF 39 – Accident Rating Waiver

(Please refer to SEF 39 above to confirm eligibility)

SEF 43R Limited Waiver of Depreciation (24 months coverage)

SEF 43R Limited Waiver of Depreciation (30 months coverage)

CAE 6 – One Deductible for Multiple Policies

This endorsement may have been added at no additional charge for multiple policies.

 

Higher limits may be available for some endorsements. For more information about these changes or additional benefits that may be available to you, please contact your broker.

 

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Commercial Auto - Garage

To learn about the personal property changes, read here

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Personal Auto 

Personal Auto - Alberta

We previously shared with you that Royal & Sun Alliance Insurance Company of Canada (“RSA”) was acquired by Intact Financial Corporation. As a result, your RSA insurance policy is being transferred to Intact Insurance Company (“Intact Insurance”) on your policy‘s renewal date.  

As part of the transition to Intact Insurance, certain coverages on your existing policy may have been reduced/removed or enhanced/increased. The main coverage changes are listed below; please read the content carefully.

This is only a summary of the changes that may impact your coverage. Please refer to your insurance policy which provides the full details of your coverage, including a full list of conditions and exclusions. If you have questions about your policy or these changes, please contact your broker.

Private Passenger Vehicles

Antique and Classic Vehicles

Motorhomes

Trailers and Camper Units

Snowmobiles

ATVs

Motorcycles

 

Summary of Key Changes for Private Passenger Vehicles

 

Deductible changes

Your deductible may have changed. Please review the chart below to see your new deductible.

 

Your Previous Deductible

Your New Deductible

All Perils

Collision

Comprehensive

Specified Perils

$100

$500

$250

$500

$500

$300

$500

$500

$500

$500

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,500

$1,500

$1,500

$1,500

$2,000

$1,500

$1,500

$1,500

$1,500

$2,500

$2,500

$2,500

$2,500

$2,500

$3,500

$3,000

$3,000

$3,000

$3,000

$5,000

$5,000

$5,000

$5,000

$5,000

$6,000

$5,000

$5,000

$5,000

$5,000

$7,000

$5,000

$5,000

$5,000

$5,000

$8,000

$10,000

$10,000

$10,000

$10,000

$9,000

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

$10,000

 

 

Endorsements

 

The following endorsements have seen changes in coverage or in limits or have been removed. Please review to see how your policy may have been affected. 

 

Endorsement

Changes

SEF 4A – Permission to Carry Explosives

This type of coverage is not provided under an Intact Insurance private passenger vehicle policy. Your broker will be able to advise on alternative options.

SEF 4B – Permission to Carry Radioactive Material

This type of coverage is not provided under an Intact Insurance private passenger vehicle policy. Your broker will be able to advise on alternative options.

SEF 8 – Property Damage Reimbursement

This type of coverage is not provided under an Intact Insurance private passenger vehicle policy. Your broker will be able to advise on alternative options.

SEF 8A – Property Damage Reimbursement for Operation by Named Person (Section A Only)

Previous Deductible

New Deductible

$200,000

$25,000

SEF – 19A Valued Automobile

This coverage is not available for private passenger vehicles. Antique, Classic and Limited Addition vehicles continue to be eligible.

SEF 20 – Loss of Use

Your limits may have changed. Please review the following chart to see your new limits:

Previous Limit

New Limit

$750

$750

$1,000

$1,000

$1,200

$1,500

$1,501 to $2,500

$2,500

$2,501 or above

$5,000

SEF 27 – Liability for Damage to Non-Owned Automobiles

 

This coverage is not available at a policy level for private passenger vehicles.

 

If you carried the SEF27 – Liability for Damage to Non- Owned Automobiles previously on your policy, where eligible it will be added separately to each qualifying private passenger vehicle on the same policy with the limits as follows:

Previous Limit

New Limit

$30,000

$50,000

$40,000

$50,000

$50,000

$50,000

$60,000-$80,000

$75,000

$90,000 or above

$100,000

SEF 27 – Liability for Damage to Non-Owned Automobiles

Previous Deductible within the SEF 27

New Deductible within the SEF 27

$500 All Perils

$250 Collision and
$250 Comprehensive

SEF 28 – Reduction of Coverages as Respects Operation by Named Person(s)

Your limits may have changed. Please review the following chart to see your new limits:

Previous Limit

New Limit

$500,000

$200,000

SEF 30 – Excluding Operation of Attached Machinery

This type of coverage is not provided under an Intact Insurance private passenger automobile policy. Your broker will be able to advise on alternative options.

SEF 30A – Excluding Attached Machinery

This type of coverage is not provided under an Intact Insurance private passenger automobile policy. Your broker will be able to advise on alternative options.

SEF 35 – Emergency Service Expense

This coverage is replaced with Roadside Assistance CAE 26.

CAE1 – Restricted Permission to Drive for an Insured Transportation Network

If your policy carried the CAE 1 previously attached it has been removed. The rating and use of your private passenger vehicle has been updated to reflect your participation in a Ride Sharing Program.

 

 

Endorsement combinations

Changes

If you had a SEF20, SEF35 and SEF43R/43L (if eligible) together on the same private passenger vehicle and carried a SEF27 on that same policy with the following limits, the Plus Pac Option B will apply as follows:

Previous Limit

New Limit

SEF 20 – Loss of Use

$750-$2,000

$2,500

SEF 27 – Liability for Damage to Non-Owned Automobiles

$30,000-$80,000

$50,000

SEF 35 – Emergency Roadside Expense 

This coverage has been replaced with the CAE 26 Roadside Assistance:
$100 per occurrence, max 4 occurrences per policy year.

If eligible:

 

SEF 43R – Limited Waiver of Depreciation 
SEF 43L – Limited Waiver of Depreciation (Specified Lessee)

Where eligible, the SEF43R or SEF43L will be added separately.

 

 

 

Summary of Key Changes for Antique and Classic Vehicles

 

Previous Policy

Changes

Third Party Liability limit

If you previously had a third-party liability limit greater than $2 million, your policy will renew with this limit set at $2 million.

 

 

Deductible changes

Your deductible may have changed.

 

Physical damage coverage and deductibles

If you have All Perils coverage or Specific Perils coverage, it will renew with Collision and Comprehensive.

 

Depending on the value of your Antique or Classic vehicle your physical damage coverage deductibles may have changed. Please review your policy documents for details or review with your broker.

 

 

 

Summary of Key Changes for Motorhomes

Previous policy

Changes

SEF 19 – Limitation of Amount

This endorsement will automatically apply if the motorhome has physical damage coverage.

SEF 40 – Fire and Theft Deductible

This endorsement will automatically apply if the motorhome has physical damage coverage.

Physical damage coverage and deductibles

Depending on the value of your motorhome your physical damage coverage deductibles may have changed. Please review your policy documents for details or review with your broker.

 

 

 

Summary of Key Changes for Trailers and Camper Units

Deductible changes

Your deductible may have changed. All Perils coverage and deductibles have been replaced with Collision and Comprehensive Please review the chart below to see your new deductible.

 

Your Previous
 Deductible

Your New Deductible

Collision

Comprehensive

Specified Perils

$100

$100

$100

$100

$250 or above

$250

$100

$100

 

 

 

Previous policy

Changes

Third Party Liability Coverage with Premise Liability

Third Party Liability with Premise Liability has been removed. Third Party Liability coverage is automatically extended from the towing vehicle. Your broker will be able to advise on alternate options for Premise Liability coverage.

Third Party Liability Coverage

Third Party Liability  has been removed, this coverage is automatically extended from the towing vehicle.  Your broker will be able to advise on alternate options for this coverage.

SEF 19 – Limitation of Amount

This endorsement has been removed from your trailer. 

 

 

 

Summary of Key Changes for Snowmobiles

 

Deductible changes

Your deductible may have changed. Please review the chart below to see your new deductible.

 

Your Previous
Deductible

Your New Deductible

All Perils

Collision

Comprehensive

Specified Perils

$100

$250

$250

$250

$250

$250

$250

$250

$250

$250

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$2,000 or higher

$2,000

$2,000

$2,000

$2,000

 

 

Previous policy

Changes

SEF 19 – Limitation of Amount

A fire deductible will now automatically apply if the snowmobile has physical damage coverage.

SEF 40 – Fire and Theft Deductible

This endorsement will automatically apply if the snowmobile has physical damage coverage.

 

 

 

Key Changes for ATVs

 

Deductible changes

 

Your deductible may have changed. Please review the chart below to see your new deductible.

Your Previous Deductible

Your New Deductible

All Perils

Collision

Comprehensive

Specified Perils

$100

$250

$250

$250

$250

$250

$250

$250

$250

$250

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$2,000 or higher

$2,000

$2,000

$2,000

$2,000

 

 

Previous policy

Changes

 

SEF 19 – Limitation of Amount

A fire deductible will now automatically apply if the all terrain vehicle has physical damage coverage.

 

SEF 32 – Recreational Vehicle

This endorsement is automatically applied to all terrain vehicles.

 

SEF 40 – Fire and Theft Deductible

This endorsement will automatically apply if the all terrain vehicle has physical damage coverage.

 

 

 

Summary of Key Changes for Motorcycles

 

Deductible changes

 

Your deductible may have changed. Please review the chart below to see your new deductible.

 

Your Previous
 Deductible

Your New Deductible

All Perils

Collision

Comprehensive

Specified Perils

$100

$100

$100

$100

$100

$250

$250

$250

$250

$250

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$2,000 or above

$2,000

$2,000

$2,000

$2,000

 

 

Previous policy

Changes

CAE #19 - Legends Motorcycle Coverage

You will now have access to this coverage, as it was not previously available with RSA. This endorsement is offered at no charge, but is subject to eligibility criteria. This includes coverage for spare parts, emergency services expenses, towing to your residence and costs for bus or air travel to return to your home if the loss or damage is covered under the policy. Please review your policy documents for details on limits and coverage or review with your broker.

SEF 40 - Fire Deductible

A fire deductible will now automatically apply if the motorcycle has physical damage coverage

 

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Personal Property

To learn about changes to your policy, read here

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Payment Plan

As part of the transition to Intact Insurance, your payment plan may be changing. Please review the table below and consult your statement of account, enclosed in your insurance policy package, to see which, if any, of the payment plan changes apply to you. 

If you have questions, please call 1-855-388-5502 or contact your broker to discuss payment plan options.

 

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Niche Specialty Property

To learn about changes to your policy, read here

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Difference in Conditions, Deductible Amounts and Limits of Insurance

To learn about changes to your commercial policy, read here.

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Commercial Property and Casualty - Crime

To learn about changes to your commercial policy, read here.

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Commercial Property and Casualty - Business Interruption

To learn about changes to your commercial policy, read here.

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Commercial Property and Casualty - Liability

To learn about changes to your commercial policy, read here.

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Commercial Property and Casualty - Property

To learn about changes to your commercial policy, read here.

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