Frequently Asked Questions
Do I have rental car coverage?
- The SEF 27 extends coverage for legal liability for loss of damage arising from the car, custody or control of any automobile not owned by the insured.
- A deductible will apply to this coverage and the endorsement provides a limit on any one vehicle (which can be increased for an additional premium).
- Check your policy documents or contact your broker to confirm if you have the SEF 27 coverage and what your deductible and limits are.
How is my insurance affected if I have an accident?
How long do I need to amend my bank info?
Can I lend my vehicle to anyone, do I have to add them as a driver on my policy?
Under certain circumstances, you can lend your auto without naming a guest driver on your insurance policy. If you decide to lend your auto, keep the following in mind:
- You must agree – verbally or in writing – that the driver may use your vehicle.
- You can’t lend your auto on a regular basis to someone without naming him or her on your insurance policy. If, for example, a friend wants to drive your auto every Friday to go grocery shopping, update your policy to include him or her as an occasional driver.
- The person who borrows your auto must be licensed and legally allowed to drive in the province or territory where you both live.
When you lend your vehicle, remember that you also lend your insurance record.
My child recently got a Class 7 learners license, do I need to add him/her as a driver?
If I can’t reach my claims adjuster, who can I contact?
How can I pay for my policy?
Why do I have to add my newly licensed son to the policy? He will never drive my car.
You won’t have to pay for the excluded driver, but if that driver ever does take your car out, he (and your car) won’t have insurance coverage. If there was an accident, he could be sued.