Nearest broker: Searching for a broker nearby…
Nearest broker: , Edmonton, AB Phone: 780.755.0110 5020 Lac St Anne Trail N, Onoway, AB, T0E 1V0 Phone: 780.967.2282 , Edmonton, AB Phone: 825.467.5631 206 Pembina Rd, Sherwood Park, AB, T8H 0L8 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9904 103 St, Fort Saskatchewan, AB, T8L 2C9 Phone: 780-998-0881 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

How can I customize my car insurance policy to suit me best?

Auto Insurance

By Joanne Lemna | August 11, 2016

It’s pretty hard to get around without a vehicle and many of us spend a lot of time driving whether it be for work commuting shuttling the kids around getting out of the city or even just for fun. Wherever you’re on the go car insurance protects you in the event of an accident or if your car is damaged. You can also customize your car insurance to suit your personal needs.

Below is a list of standard endorsements offered by most car insurance companies. These may not be offered by all insurers nor will all drivers be eligible for all coverages.

  • Accident Rating Waiver (SEF 39) – you or a driver on your policy keeps their driving rating after one at-fault loss as long as they were not convicted of any offense related to the accident.
  • Drive Other Automobiles (SEF 2) – your insurance will cover you when you’re driving vehicles not listed on your policy.
  • Emergency Service Expense (SEF 35) – provides coverage for towing and emergency service expenses if your vehicle is undrivable.
  • Family Protection (SEF 44) – if you or your spouse or a dependent family member is injured by another driver who has insufficient insurance you or your estate will be compensated for the harm or loss.
  • Legal Liability for Damage to Non-Owned Automobiles (SEF 27) – this provides coverage for damage to a rental vehicle while your own vehicle is not in use. This means when you park your car at the airport and rent a car while you’re on vacation you don’t have to buy the rental company’s daily insurance.
  • Limited Waiver of Depreciation (SEF 43R) – if your new vehicle is damaged within a certain number of months after purchase depreciation won’t be applied to the value of your claim.
  • Loss of Use (SEF 20) – you get access to a rental car if your vehicle is being repaired or replaced after a claim.
  • Minor Conviction Rating Waiver Endorsement – keep your conviction-free discount after your first minor traffic violation like a speeding ticket.
  • Replacement Cost (SEF 18) – in the event of a total loss the full replacement cost of your vehicle will be covered.

There are also a number of company-specific endorsements you can put on your car insurance.

Aviva for example offers an extended number of extra coverages as well as bundles and deals that decrease the amount you have to pay:

  • Accident Forgiveness – forgives your first accident even if you were at fault.
  • Disappearing Deductible (CAE 3) – every year you don’t make a claim your deductible is reduced.
  • Satellite Program /Roadside Assistance (CAE 1) – provides roadside assistance when you need gas a battery boost a tow lockout service a tire change or extraction. You also have access to travel planning live compass (directions) and vehicle and travel experts. Road trip interruption and discounts for hotels and rental vehicles are also included.

Aviva also offers two bundles for customers which reduce premiums:

  • Extra Value Option Bundle (EVO) – includes Limited Waiver of Depreciation (SEF 43R) and Temporary Vehicle Replacement (SEF 20) with an increased limit of $2000 for loss of use.
  • Worry Free Bundle – includes Temporary Vehicle Replacement (SEF 20) the Accident Rating Waiver (SEF 39) and the Disappearing Deductible (CAE 3).

We know that insurance can be pretty confusing especially if you don’t know the lingo. Some companies also have different names for the same coverage so it can be hard to figure out which company suits you best and offers exactly what you need.

This is where an independent insurance broker can help. They know the language of the companies and the industry and can help you customize your auto policy for you, your family and your driving activities.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download

Rogers Insurance and CapriCMW merge to become Acera Insurance.

A-WIN Insurance is part of the Rogers Insurance Group.

Click to learn more about how this merger will impact A-WIN Insurance. Our branches will remain independently owned and operated.