Policy Changes
Click on your policy type to learn more
- Commercial Auto
- Commercial Auto - Garage
- Personal Auto
- Personal Property
- Payment Plan
- Niche Specialty Property
- Difference in Conditions, Deductible Amounts and Limits of Insurance
- Commercial Property and Casualty - Crime
- Commercial Property and Casualty - Business Interruption
- Commercial Property and Casualty - Liability
- Commercial Property and Casualty - Property
Commercial Auto
SUMMARY
OF KEY CHANGES FOR COMMERCIAL VEHICLES – Northwest Territories
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
Deductibles are based on
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.
Your deductibles at RSA have carried over to
your new Intact Insurance policy, except in certain cases as noted below.
Vehicle
classes 61-64
|
Coverage |
Previous minimum deductible: |
New minimum deductible: |
|
Comprehensive |
$250 |
$500 |
Note: Please review your policy
documents to confirm physical damage deductibles.
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) |
|
||||||||||
|
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. 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 and deductible may have changed. Please review new minimum deductibles:
If applied to a vehicle with SEF 30/30A excluding attached
machinery endorsements, SEF 27 will be removed. 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. |
||||||||||
|
SEF 43R – Limited Waiver of
Depreciation |
|
||||||||||
|
SEF 44 – Family Protection |
Your new
limit will be equal to the third party liability limit unless otherwise
specified in your policy documents. |
||||||||||
|
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.
Commercial Auto - Garage
To learn about the changes, read here.
Personal Auto
Personal Auto - Northwest Territories
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.
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 the 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 the 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 the 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 |
|
|
SEF19A - Agreed Value of
Automobile |
This coverage is not
available for private passenger vehicles. Antique and classic 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 $2500 |
$2,500 |
|
|
$2,501
or above |
$5,000 |
|
|
SEF27 - 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 |
|
|
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 Coverage for
Attached Machinery |
This type of coverage is not
provided under the Intact Insurance private passenger vehicle policy. Your
broker will be able to advise on alternative options. |
|
|
SEF 35 - Emergency Service
Expense |
This coverage has been replaced
with CAE 26 - Roadside Assistance |
|
|
SEF 43 - Limited Waiver of
Depreciation |
Previous
Coverage |
New
Coverage |
|
Coverage
up to 24 months |
Coverage
up to 30 months |
|
|
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 |
Replaced with CAE 26:
Roadside Assistance: $100 per occurrence, max 4 occurrences per policy year. |
|
|
If eligible: SEF
43R – Limited Waiver of Depreciation |
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 of greater than $2 million, your policy will renew with this limit set at $2 million. |
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
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 |
$2,000 |
$2,000 |
$2,000 |
$2,000 |
|
|
$2,500 |
$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 |
This endorsement will
automatically apply if the snowmobile has physical damage coverage. |
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 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
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 when a 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 and Theft
Deductible |
This endorsement will
automatically apply if the motorcycle has physical damage coverage. |
Personal Property
To learn about the personal property changes, read here.
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.
Niche Specialty Property
To learn about changes to your policy, read here
Difference in Conditions, Deductible Amounts and Limits of Insurance
To learn about changes to your commercial policy, read here.
Commercial Property and Casualty - Crime
To learn about changes to your commercial policy, read here.
Commercial Property and Casualty - Business Interruption
To learn about changes to your commercial policy, read here.
Commercial Property and Casualty - Liability
To learn about changes to your commercial policy, read here.
Commercial Property and Casualty - Property
To learn about changes to your commercial policy, read here.