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Policy Changes

Commercial Auto

SUMMARY OF KEY CHANGES FOR COMMERCIAL VEHICLES – Ontario

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

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 value with minimum requirements.

 

For Light Commercial Vehicles

·         If your previous deductible was below $500 for all perils or collision, it is now a minimum of $500.

·         If your previous deductible was below $300 for comprehensive or specified perils, it is now a minimum of $300.

For Heavy Commercial Vehicles

·         If your previous deductible was below $1,000 for all perils, collision, comprehensive or specified perils, it is now a minimum of $1,000.

·         For heavy commercial vehicles, List Price New (LPN) is also used to determine minimum deductible requirements. 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.

o   Vehicles with an LPN greater than $100,000 will have a deductible equal to 5% of the LPN – excluding rating Class 61, 62, 63, 64 units.

o   Rating class 61, 62, 63, 64 with an LPN of $100,000 up to $200,000 a minimum deductible of $5,000 applies.

o   Vehicles with an LPN greater than $200,000 will have a deductible equal to 5% 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

OPCF 8 – Property Damage Reimbursement

If a snow plough is attached to your vehicle, the OPCF 8 will be applied to the vehicle with a minimum $500 reimbursement limit.

 

OPCF 20 – Coverage for Transportation Replacement

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 - $1,500

$1,500

$1,501 - $3,000

$3,000

$3,001 - $3,500

$3,500

$3,501 - $4,000

$4,000

$4,001 - $4,500

$4,500

$4,501 - $5,000

$5,000

$5,001 and greater

No changes

 

Daily limit no longer applies.

 

OPCF 20 is not available where the vehicle does not have all perils, collision, comprehensive or specified perils coverage.

OPCF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles

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

 

Previous limit range:

New limit:

$75,000 and under

$75,000

$75,001 - $100,000

$100,000

$100,001 and greater

$100,000

 

Previous deductible:

New deductible:

$500 and under

$500

$501 and greater

$500

 

OPCF 27 is not available where the vehicle does not have all perils or collision and comprehensive or collision and specified perils coverage.

OPCF 27B – Business Operations - Liability for Damage to Non-Owned Automobile(s)

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

 

Previous limit range:

New limit:

$50,000 and under

$50,000

$50,001 and greater

No change

 

 

 

OPCF 40 – Fire Deductible

If a light commercial vehicle has two or more fire claims in the past three years, the OPCF 40 will be applied to the vehicle.

OPCF 44 – Family Protection

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

Claims Protection Plan

Replaced with the Responsible Driver Guarantee endorsement for commercial vehicles.

Elite Protection Plan

 

 

Coverages under this package are now provided as individual endorsements:

 

Previous offering:

New offering:

OPCF 20 – Coverage for Transportation Replacement, $1,600 limit

OPCF 20 – Coverage for Transportation Replacement, $3,000 limit

OPCFF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles, $75,000 limit and $500 deductible

OPCF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles, $75,000 limit and $500 deductible

Claims Protection Plan

Responsible Driver Guarantee

Elite Protection Plan Plus

 

 

Coverages under this package are now provided as individual endorsements:

 

Previous offering:

New offering:

OPCF 20 – Coverage for Transportation Replacement, $1,600 limit

OPCF 20 – Coverage for Transportation Replacement, $3,000 limit

OPCF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles, $75,000 limit and $500 deductible

OPCF 27 – Liability for Damage to Non-Owned Automobile(s), and Other Coverages When Insured Persons Drive, Rent or Lease Other Automobiles, $75,000 limit and $500 deductible

OPCF 43/43a

OPCF 43/43a

Shock Waiver Plan

Responsible Driver Guarantee

 

Higher limits may be available on Fleet rated policies. 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

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Personal Auto

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

Direct Compensation/
Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$50

$0

$300

$300

$300

$300

$100

$0

$300

$300

$300

$300

$250

$0

$300

$300

$300

$300

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$500

$1,000

$1,000

$1,000

$1,000

$1,500

$500

$1,500

$1,500

$1,500

$1,500

$2,000

$500

$2,000

$2,000

$2,000

$2,000

$2,500

$500

$2,500

$2,500

$2,500

$2,500

$3,000

$500

$2,500

$2,500

$2,500

$2,500

$3,500

$500

$2,500

$2,500

$2,500

$2,500

$4,000

$500

$2,500

$2,500

$2,500

$2,500

$4,500

$500

$2,500

$2,500

$2,500

$2,500

$5,000

$500

$5,000

$5,000

$5,000

$5,000

$6,000

$500

$5,000

$5,000

$5,000

$5,000

$7,000

$500

$5,000

$5,000

$5,000

$5,000

$8,000

$500

$5,000

$5,000

$5,000

$5,000

$9,000

$500

$5,000

$5,000

$5,000

$5,000

$10,000

$500

$5,000

$5,000

$5,000

$5,000

 

 

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

OPCF 19 –Limiting the Amount Paid for Loss or Damage Coverages

This coverage is not available for private passenger vehicles.

OPCF 19A – Agreed Value of Automobile

This coverage is no longer offered on private passenger vehicles.

OPCF 20 – Coverage for Transportation Replacement

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

Previous limit

New limit

$1,000 or less

$1,000

$1,001 - $1,500

$1,500

$1,501 - $3,000

$3,000

$3,001 - $10,000

$5,000

OPCF27 – Legal Liability for Damage to Non-Owned Automobiles

Your limits may have changed. Please review the following chart to see your new limits: 
Subject to a $500 All Perils deductible

Previous limit

New limit

$75,000 or less

$75,000

$75,001 - $100,000

$100,000

OPCF 35 – Emergency Service Expense

Replaced with the Roadside Assistance endorsement.

OPCF 44R – Family Protection

If you had this endorsement on your policy and the limits differ from the Third Party Liability Limit, your renewal will match the Third Party Liability limits.

Claims Protection Waiver

This coverage will be replaced with the Responsible Driver Guarantee, if you qualify.  This coverage is not available for occasional operators and will be removed. 

PCF 5 CS – Permission to Rent or Lease the Vehicle for Carsharing

This endorsement will be removed, as this coverage is automatically provided under your Intact Insurance automobile policy. 

PCF 6 – Permission to Drive for a Transportation Network Company with Insurance Car

This endorsement will be removed, as this coverage is automatically provided under your Intact Insurance automobile policy. 

 

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 a $2 million limit.

 

Deductible changes

 

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

 

 

Your Previous Deductible

Your New Deductible

Direct Compensation/ Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

$300

$300

$100

$100

$100

$0

$300

$300

$100

$100

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$1,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,500

$2,000

$2,000

$2,000

$2,000

$2,000

$3,500

$2,000

$2,000

$2,000

$2,000

$2,000

$5,000

$2,000

$2,000

$2,000

$2,000

$2,000

$6,000

$2,000

$2,000

$2,000

$2,000

$2,000

$7,000

$2,000

$2,000

$2,000

$2,000

$2,000

$8,000

$2,000

$2,000

$2,000

$2,000

$2,000

$9,000

$2,000

$2,000

$2,000

$2,000

$2,000

$10,000

$2,000

$2,000

$2,000

$2,000

$2,000

 

 

Endorsement

Changes.

OPCF 19 – Limiting the Amount Paid for Loss or Damage Coverages

Replaced with OPCF 19A – Agreed Value of Automobile (Antique vehicles only)

 

 

Summary of Key Changes for Motorhomes

 

Deductible changes

 

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

 

 

 

Your Previous Deductible

Your New Deductible

Direct Compensation/Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

N/A

N/A

N/A

N/A

$100

$0

$100

$100

$100

$100

$200

$0

$100

$100

$100

$100

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$500

$1,000

$1,000

$1,000

$1,000

$1,500

$500

$1,000

$1,000

$1,000

$1,000

$2,000

$500

$1,000

$1,000

$1,000

$1,000

$2,500

$500

$1,000

$1,000

$1,000

$1,000

$3,500

$500

$1,000

$1,000

$1,000

$1,000

$5,000

$500

$1,000

$1,000

$1,000

$1,000

$6,000

$500

$1,000

$1,000

$1,000

$1,000

$7,000

$500

$1,000

$1,000

$1,000

$1,000

$8,000

$500

$1,000

$1,000

$1,000

$1,000

$9,000

$500

$1,000

$1,000

$1,000

$1,000

$10,000

$500

$1,000

$1,000

$1,000

$1,000

 

 

Previous policy

Changes

Physical damage deductible for motorhomes valued over $50,000

If you previously had a physical damage deductible other than $1,000, your new deductible is $1,000

OPCF 20 – Transportation Replacement

You will now have access to this endorsement, as it was not previously available at RSA. This endorsement is offered at no charge but is subject to eligibility criteria. Coverage for Transportation Replacement $50 per day / $1,200 per accident

OPCF 40 – Fire Deductible

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

 

Coverage

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.

 

 

Summary of Key Changes for Trailers and Camper Units

 

 

Deductible changes

 

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

 

 

Your Previous Deductible

Your New Deductible

Direct Compensation/
Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

N/A

N/A

N/A

N/A

$100

$0

$100

$100

$100

$100

$200

$0

$100

$100

$100

$100

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$500

$500

$500

$500

$500

$1,500

$500

$500

$500

$500

$500

$2,000

$500

$500

$500

$500

$500

$2,500

$500

$500

$500

$500

$500

$3,500

$500

$500

$500

$500

$500

$5,000

$500

$500

$500

$500

$500

$6,000

$500

$500

$500

$500

$500

$7,000

$500

$500

$500

$500

$500

$8,000

$500

$500

$500

$500

$500

$9,000

$500

$500

$500

$500

$500

$10,000

$500

$500

$500

$500

$500

 

 

 

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

 

Direct Compensation/

Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

N/A

N/A

N/A

N/A

$100

$0

N/A

N/A

N/A

N/A

$200

$0

N/A

N/A

N/A

N/A

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$1,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,500 or higher

$2,000

$2,000

$2,000

$2,000

$2,000

 

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

 

Direct Compensation/

Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

N/A

N/A

N/A

N/A

$100

$0

N/A

N/A

N/A

N/A

$200

$0

N/A

N/A

N/A

N/A

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$1,000

$1,000

$1,000

$1,000

$1,000

$1,500

$1,000

$1,000

$1,000

$1,000

$1,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,000

$2,500 or higher

$2,000

$2,000

$2,000

$2,000

$2,000

 

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

Direct Compensation/
Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$0

$0

$300

$300

$300

$300

$100

$0

$300

$300

$300

$300

$300

$300

$300

$300

$300

$300

$500

$500

$500

$500

$500

$500

$1,000

$500

$1,000

$1,000

$1,000

$1,000

$1,500

$500

$1,500

$1,500

$1,500

$1,500

$2,000

$500

$2,000

$2,000

$2,000

$2,000

$2,500

$500

$2,500

$2,500

$2,500

$2,500

$3,500

$500

$2,500

$2,500

$2,500

$2,500

$5,000

$500

$5,000

$5,000

$5,000

$5,000

$6,000

$500

$5,000

$5,000

$5,000

$5,000

$7,000

$500

$5,000

$5,000

$5,000

$5,000

$8,000

$500

$5,000

$5,000

$5,000

$5,000

$9,000

$500

$5,000

$5,000

$5,000

$5,000

$10,000

$500

$5,000

$5,000

$5,000

$5,000

 

 

 

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Personal Property

To read the summary of key changes for your Personal Property changes, please download the PDF guide. If you have questions about your policy or these changes, please contact your broker.


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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