Auto Insurance

Different coverages are available.

Liability (Section A): Mandatory limit in Alberta is $200,000. recommends $1,000,000 and many insureds are opting for $2,000,000. This coverage pays for injury to others and damage to their property.
Accident Benefits (Section B): This is a mandatory coverage in Alberta, providing limited medical protection, death benefits and lost wages.
Physical Damage (Section C): Collision or Upset Coverage: Provides coverage for your vehicle in the event of a collision with another object or upset. Comprehensive Coverage: Provides coverage for fire, theft and vandalism losses, as well as other losses that are not insured under collision coverage.


Many options exist to enhance your coverage. The most important of these are:
Family Protection Endorsement (sef 44): This feature helps you when another party injures you in an auto accident and they carry inadequate insurance to compensate.
Loss of Use Endorsement (sef 20): This provides coverage for reasonable expenses incurred for the rental of a substitute vehicle when the insured suffers an insured loss.
Limited Waiver of Depreciation Endorsement (sef 43): If you purchase a new vehicle this provides coverage for up to two years and reimburses your purchase price of the vehicle for a total insured loss.
Legal Liability for Physical Damage to a Non-Owned Automobile (SEF 27)
This endorsement extends the physical damage coverage to a non-owned automobile, such as a rented or borrowed automobile. Coverage is only available on private passenger type vehicles while in the care, custody or control of the named insured for a period of 30 days or less.
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Claims/Losses - In the event of a major loss, such as injury accident or house fire, after hours call 1-888-224-5677.
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