Claims Free Discount
Comprehensive Personal Liability
Covers many miscellaneous losses and damages—like fire, theft, and flooding—but not collision/upset losses. Found in an car/truck physical damage policy (Insurance Bureau of Canada).
This is how much you’re responsible to pay if a claim happens. For example, if your home insurance policy has a $1,000 deductible for hail and there are $5,000 in damages, you pay the first $1,000 and the insurance company pays the remaining $4,000.
Family Protection (SEF 44)
Guaranteed Premium (CAE 8)
Guaranteed Replacement Cost (GRC)
This is the total cost that your insurance company pays to reconstruct or replace your residence, trailer, or other property (if an insured event destroys it). For residences, you may be covered for costs beyond the home’s rebuild value, like skilled labour and debris removal. Annual policy renewals are key for ensuring adequate coverage and building codes (by-laws coverage).
Identity Theft Insurance
If someone steals your identity, this optional coverage pays for identity fraud expenses—up to your insurance company's limit. Learn More >
Legal Liability for Damage to Non-Owned Automobiles (SEF 27)
Limitation of Glass
Limited Waiver of Depreciation (SEF43R)
If a new vehicle is damaged or lost within the first 30 months after purchase, it will be replaced as if it were new.
Loss of Use
Replacement Cost (SEF18)
Satellite Program/Roadside Assistance (CAE 1)
SEF 2 (Drive Other Automobiles)
SEF 13D (Limitation of Glass)
SEF 18 (Replacement Cost)
SEF 20 (Loss of Use)
If a claim renders your vehicle inoperable, this covers your rental car costs.*
SEF 27 (Legal Liability for Damage to Non-Owned Automobiles)
This endorsement extends your insurance from your own vehicle to your rental car. Maximum values and territorial limits apply.
SEF 35 (Emergency Service Expense)
SEF 39 (Accident Waiver/Driving Record Protection)
Also known as your “get-out-of-jail-free card”. This add-on (a.k.a. endorsement) is available to drivers with 6 years of continual car/truck insurance—with zero at-fault claims. If this endorsement is on your policy and you have your first at-fault claim, that accident won’t affect your driving record.*
SEF 43R (Limited Waiver of Depreciation)
This endorsement is available to original owners of brand-new vehicles. If this endorsement has been added to your policy and your vehicle has been written off, you will receive back the amount that you originally purchased the vehicle for, with no depreciation applied.* New parts are also used on partial losses.
Sewer Backup Coverage
All home insurance policies don’t automatically include this coverage. Some neighbourhoods aren’t eligible for coverage, with floodplain ratings factoring into coverage limitations. Though each insurance company’s definition of “sewer backup” may vary, generally it’s when an interior drain backs up and results in damage to your home’s interior.
Temporary Vehicle Replacement (SEF20)
Sometimes known as “liability coverage” or “Section A”, this covers you if you’re legally responsible for your vehicle injuring someone or damaging property (Insurance Bureau of Canada).
*Certain restrictions apply. For more information, please contact your insurance broker or speak with one of our advisors.