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RSA Policy Changes

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
$250 Comprehensive

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

SEF43 - Limited Waiver of Depreciation - Leased Vehicles

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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