RSA Policy Changes
The agreement contains the following sections:
Commercial Auto IRCA
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 |
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SEF 8A - Property Damage Reimbursement for Operation by Named Person (Section A only) |
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SEF 20 – Loss of Use |
Your limits may have changed. Please review the following chart to see your new limits:
Daily limit no longer applies.
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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:
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
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SEF 28 - Reduction of Coverages as Respects Operation by Named Person(s) |
Your limit may have changed. Please review below for your new limit:
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SEF 28A – Reduction of Coverage as Respects to Operation on Airport Property |
Your limit may have changed. Please review below for your new limit:
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SEF 28B – Reimbursement of Claim Paid on Airport Property |
If your policy has the SEF 28A attached, the SEF 28B will be applied. Contact your broker for more details. |
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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. |
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SEF 43R – Limited Waiver of Depreciation |
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SEF 44 – Family Protection |
Your new limit will be equal to the third party liability limit unless otherwise specified in your policy documents. |
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Elite Protection Plan Plus
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CAE 6 – One Deductible for Multiple Policies |
This endorsement may have been added at no additional charge. |
Commercial Auto Garage
When you access the Web site property of Intact Insurance Company ("Intact Insurance"), including all information, materials, texts, illustrations, graphics and images (the "Site"), you accept and agree to be bound by and comply with the agreement regarding the use of this Site (the "Agreement"), the terms and conditions of which are described below as well as at other locations on the Site.
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 |
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 |
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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. |
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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. |
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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. |
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SEF 8A – Property Damage Reimbursement for Operation by Named Person Endorsement (Section A Only) |
Previous Deductible |
New Deductible |
$200,000 |
$25,000 |
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SEF – 19A Valued Automobile |
This coverage is not available for private passenger vehicles. Antique, Classic and Limited Addition vehicles continue to be eligible. |
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SEF 20 – Loss of Use |
Your limits may have changed. Please review the following chart to see your new limits: |
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Previous Limit |
New Limit |
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$750 |
$750 |
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$1,000 |
$1,000 |
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$1,200 |
$1,500 |
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$1,501 to $2,500 |
$2,500 |
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$2,501 or above |
$5,000 |
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SEF 27 – Liability for Damage to Non-Owned Automobiles |
Your limits may have changed. Please review the following chart to see your new limits: |
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Previous Limit |
New Limit |
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$30,000 |
$50,000 |
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$40,000 |
$50,000 |
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$50,000 |
$50,000 |
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$60,000-$80,000 |
$75,000 |
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$90,000 or above |
$100,000 |
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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 |
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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: |
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Previous Limit |
New Limit |
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$500,000 |
$200,000 |
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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. |
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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. |
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SEF 35 – Emergency Service Expense |
This coverage is replaced with Roadside Assistance CAE 26. |
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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. |
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Endorsement Package including: |
This package has been replaced with the Plus Pac Option B. |
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Previous Limit |
New Limit |
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SEF 20 – Loss of Use |
$2,000 |
$2,500 |
SEF 27 – Liability for Damage to Non-Owned Automobiles |
$80,000 |
$50,000 |
SEF 35 – Emergency Service Expense |
This coverage has been replaced with the CAE 26 Roadside Assistance: |
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If eligible:
SEF 43R – Limited Waiver of Depreciation |
Where eligible, the SEF43R or SEF43L will be added separately. |
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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. Please review the chart below to see your new deductible.
Physical damage coverage and deductibles |
Previous Coverage |
New Coverage |
All Perils |
Collision and Comprehensive |
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Collision |
Collision |
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Comprehensive |
Comprehensive |
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Specified Perils |
Collision and Comprehensive |
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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. |
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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. Please review the chart below to see your new deductible.
Your New Deductible |
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Your Previous Deductible |
All Perils
|
Collision |
Comprehensive |
Specified Perils |
$100 |
All Perils coverage and deductibles have been replaced with Collision and Comprehensive. |
$100 |
$100 |
$100 |
$250 |
$100 |
$100 |
$100 |
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$300 |
$250 |
$250 |
$250 |
|
$500 |
$500 |
$500 |
$500 |
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$1,000 |
$1,000 |
$1,000 |
$1,000 |
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$1,500 |
$1,000 |
$1,000 |
$1,000 |
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$2,000 |
$1,000 |
$1,000 |
$1,000 |
|
$2,500 or above |
$2,500 |
$2,500 |
$2,500 |
|
Previous policy |
Changes |
Third Party Liability Coverage |
Third Party Liability had been removed, this coverage is automatically extended from the towing vehicle. |
Third Party Liability Coverage with Premise liability |
Third Party Liability with Premise liability had 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 New Deductible |
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Your Previous Deductible |
All Perils |
Collision |
Comprehensive |
Specified Perils |
|
$100 |
$250 |
$250 |
$250 |
$250 |
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$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 |
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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 New Deductible |
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Your Previous 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 |
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Previous policy |
Changes |
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SEF 19 – Limitation of Amount |
A fire deductible will now automatically apply if the all terrain vehicle has physical damage coverage. |
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SEF 32 – Recreational Vehicle |
This endorsement is automatically applied to all terrain vehicles. |
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SEF 40 – Fire and Theft Deductible |
This endorsement will automatically apply if the all terrain vehicle has physical damage coverage. |
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Summary of Key Changes for Motorcycles
Deductible changes
Your deductible may have changed. Please review the chart below to see your new deductible.
Your New Deductible |
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Your Previous 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 |
Personal Property
The Content on this Site is for informational purposes only and Intact Insurance has no obligation to update information presented on this Site. For specific details and further enquiries, please contact an Intact Insurance representative.
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