RSA Policy Changes
The agreement contains the following sections:
Commercial Auto IRCA
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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 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 |
|
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 $2,500 |
$2,500 |
|
$2,501 or above |
$5,000 |
|
SEF27 - Liability for Damage to Non-Owned Automobiles |
Your limits may have changed. Please review the following chart to see your new limits: |
|
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 |
|
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. |
Physical damage coverage and deductibles |
Previous Coverage |
New Coverage |
|
All Perils |
Collision and Comprehensive |
||
Collision |
Collision |
||
Comprehensive |
Comprehensive |
||
Specified Perils |
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. Please review the chart below to see your new deductible.
Your New Deductible |
||||
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 |
|
$300 |
$250 |
$250 |
$250 |
|
$500 |
$500 |
$500 |
$500 |
|
$1,000 |
$1,000 |
$1,000 |
$1,000 |
|
$1,500 |
$1,000 |
$1,000 |
$1,000 |
|
$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 |
|||||
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 |
|
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. |
Key Changes for ATVs
Deductible changes
Your deductible may have changed. Please review the chart below to see your new deductible.
Your New Deductible |
|||||
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 |
|
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 deductible may have changed. Please review the chart below to see your new deductible.
Your New Deductible |
|||||
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 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 |
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