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Policy Changes

Commercial Auto

SUMMARY OF KEY CHANGES FOR COMMERCIAL VEHICLES – Nova Scotia

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 deductible 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 value. The minimum deductible requirements are outlined below:

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

·         If your previous deductible was below $250 for comprehensive or specified perils, it is now a minimum of $250 or more.

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

NSEF 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 - $5,000

$5,000

$5,001 and greater

No changes

 

Daily limit no longer applies.

 

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

NSEF 27 – Liability for Damage to Non-Owned Automobile(s)

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

Previous limit range:

New limit:

$75,000 and under

$75,000

$75,001 and greater

$75,000

 

 

Previous deductible:

New deductible:

$500 and under

$500

$501 and greater

$500

 

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

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

Your limits may have changed for light commercial vehicles. Please review the following chart to see your new limits and deductible:

 

Previous limit range:

New limit:

New deductible:

$50,000 and under

$50,000

$500

$50,001 to $75,000

$75,000

$500

$75,001 - $100,000

$100,000

$1,000

$100,001 and greater

$100,000

$1,000

 

There is no change for heavy commercial vehicles.

NSEF 43R /43R(L) – Limited Waiver of Depreciation

NSEF 43R/43R (L) endorsement is no longer available where the vehicle does not have all perils or collision and comprehensive or collision and specified perils coverage. 

NSEF 44 – Family Protection

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

Shock Waiver Plan

Replaced with the Responsible Driver Guarantee endorsement for commercial vehicles.

Elite Protection Plan

 

Replaced with the following individual endorsements:

 

Previous offering:

New offering:

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

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

NSEF 27 – Liability for Damage to Non-Owned Automobile(s), $75,000 limit and $500 deductible

NSEF 27 – Liability for Damage to Non-Owned Automobile(s), $75,000 limit and $500 deductible

Shock Waiver Plan

Responsible Driver Guarantee for commercial vehicles

Elite Protection Plan Plus

 

Replaced with the following individual endorsements:

 

Previous offering:

New offering:

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

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

NSEF 27 – Liability for Damage to Non-Owned Automobile(s), $75,000 limit and $500 deductible

NSEF 27 – Liability for Damage to Non-Owned Automobile(s), $75,000 limit and $500 deductible

NSEF 43R/43R(L) – Limited Waiver of Depreciation

NSEF 43R/43R(L) –Limited Waiver of Depreciation

Shock Waiver Plan

Responsible Driver Guarantee for commercial vehicles

 

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

To learn about the changes to your policy, read here

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Personal Auto

Personal Auto - Nova Scotia

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

Direct Compensation/
Property Damage

All Perils

Collision

Comprehensive

Specified Perils

$50

$0

$500

$500

$250

$250

$100

$0

$500

$500

$250

$250

$250

$0

$500

$500

$250

$250

$300

$0

$500

$500

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$1,500

$0

$1,500

$1,500

$1,500

$1,500

$2,000

$0

$2,000

$2,000

$2,000

$2,000

$2,500

$0

$2,000

$2,500

$2,500

$2,500

$3,000

$0

$2,500

$2,500

$2,500

$2,500

$3,500

$0

$2,500

$2,500

$2,500

$2,500

$4,000

$0

$2,500

$2,500

$2,500

$2,500

$4,500

$0

$2,500

$2,500

$2,500

$2,500

$5,000

$0

$5,000

$5,000

$5,000

$5,000

$7,500

$0

$5,000

$5,000

$5,000

$5,000

$10,000

$0

$5,000

$5,000

$5,000

$5,000

 

Endorsements

 

Endorsement

Changes

NSEF  19 – Limitation of Amount

This coverage is not available for private passenger vehicles, other than Classic vehicles.

NSEF 19A – Agreed Value of Automobile

This coverage is no longer offered on private passenger vehicles, other than Classic and Antique vehicles.

NSEF 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 or Less

$1,000

$1,001 - $1,500

$1,500

$1,501 - $10,000

$3,000

NSEF 27 – 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 Collision & Comprehensive deductible

Previous limit

New limit

$75,000 - $100,000

$75,000

NSEF 35 – Emergency Service Expense

Replaced with the Roadside Assistance endorsement.

NSEF  43R/43R(L) – Removing Depreciation Deduction - Owned Vehicles – 48 month option

If your vehicle had coverage for 48 months, it will continue to have this option if the vehicle still qualifies.  If the vehicle is older than 48 months, this coverage will be removed. 

NSEF  44 – Family Protection Including Supplement

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.

Shock 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. 

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.

 

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 $1 million.

 

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

$500

$500

$250

$250

$100

$0

$500

$500

$250

$250

$250

$0

$500

$500

$250

$250

$300

$0

$500

$500

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$1,500

$0

$1,500

$1,500

$1,500

$1,500

$2,000

$0

$2,000

$2,000

$2,000

$2,000

$2,500

$0

$2,500

$2,500

$2,500

$2,500

$3,500

$0

$2,500

$2,500

$2,500

$2,500

$5,000

$0

$5,000

$5,000

$5,000

$5,000

$6,000

$0

$5,000

$5,000

$5,000

$5,000

$7,000

$0

$5,000

$5,000

$5,000

$5,000

$8,000

$0

$5,000

$5,000

$5,000

$5,000

$9,000

$0

$5,000

$5,000

$5,000

$5,000

$10,000

$0

$5,000

$5,000

$5,000

$5,000

                                                                                                                                                       

                                                                                                                                                       

Endorsement

Changes

NSEF 19 – Limitation of Amount

Replaced with NBEF 19A – Agreed Value of Automobile

 

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

$50

$0

$500

$500

$250

$250

$100

$0

$500

$500

$250

$250

$250

$0

$500

$500

$250

$250

$300

$0

$500

$500

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$2,000

$0

$1,000

$1,000

$1,000

$1,000

$2,500

$0

$2,500

$2,500

$2,500

$2,500

$5,000

$0

$2,500

$2,500

$2,500

$2,500

$7,500

$0

$2,500

$2,500

$2,500

$2,500

$10,000

$0

$2,500

$2,500

$2,500

$2,500

 

 

 

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 $2,500.

NSEF 20 - Loss of Use

You will now have access to this endorsement, as it was not previously available with 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.

NSEF 40 - Fire & Theft Deductible

A fire and theft deductible will now apply if your motorhome has physical damage coverage.

 

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.

 

All Perils is not offered for Trailer Risks. If you had All Perils coverage it will be replaced with Collision and Comprehensive coverage.

 

Your Previous Deductible

Your New Deductible

Direct Compensation/
Property Damage

See above

Collision

Comprehensive

Specified Perils

$50

$0

 

$250

$100

$100

$100

$0

 

$250

$100

$100

$250

$0

 

$250

$100

$100

$300

$0

 

$250

$100

$100

$500

$0

 

$250

$100

$100

$1,000

$0

 

$250

$100

$100

$2,000

$0

 

$250

$100

$100

$2,500

$0

 

$250

$100

$100

 

 

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

$50

$0

$500

$500

$250

$250

$100

$0

$500

$500

$250

$250

$250

$0

$500

$500

$250

$250

$300

$0

$500

$500

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$1,500

$0

$1,500

$1,500

$1,500

$1,500

$2,000

$0

$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

$50

$0

$500

$500

$250

$250

$100

$0

$500

$500

$250

$250

$250

$0

$500

$500

$250

$250

$300

$0

$500

$500

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$1,500

$0

$1,500

$1,500

$1,500

$1,500

$2,000

$0

$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

$50

$0

$100

$100

$100

$100

$100

$0

$100

$100

$100

$100

$250

$0

$250

$250

$250

$250

$300

$0

$250

$250

$250

$250

$500

$0

$500

$500

$500

$500

$1,000

$0

$1,000

$1,000

$1,000

$1,000

$1,500

$0

$1,500

$1,500

$1,000

$1,000

$2,000

$0

$2,000

$2,000

$2,000

$2,000

$2,500

$0

$2,500

$2,500

$2,500

$2,500

$3,000

$0

$2,500

$2,500

$2,500

$2,500

$3,500

$0

$2,500

$2,500

$2,500

$2,500

$4,000

$0

$2,500

$2,500

$2,500

$2,500

$4,500

$0

$2,500

$2,500

$2,500

$2,500

$5,000

$0

$5,000

$5,000

$5,000

$5,000

$7,500

$0

$5,000

$5,000

$5,000

$5,000

$10,000

$0

$5,000

$5,000

$5,000

$5,000

 

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Personal Property

To learn about the personal property changes, 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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