Personal Lines Automobile Manual. Aviva Insurance Company of Canada
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1 SASKATCHEWAN Personal Lines Automobile Manual Aviva Insurance Company of Canada
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3 PRIVATE PASSENGER SPECIAL PROGRAMS Driver assistance that revolves around you SATELLITE PROGRAM Satellite is a comprehensive emergency roadside and driver assistance program that can be added as an endorsement to the auto policy. The program s many features and exceptional service make it an excellent value. This is not a reimbursement program. A service operator will be dispatched to assist the customer at our expense, subject to coverage limits. For access to any of the Satellite features, customers call a single toll-free number Use of Satellite is not considered a claim for rating or underwriting. Premium Rate each vehicle individually based on its model year. Any vehicle on the policy may be selected as the first vehicle and additional vehicles charged at the reduced rate the total policy price will not change. Only private passenger vehicles are eligible for this coverage. Policy discounts do not apply. Age of vehicle First vehicle Additional vehicles 0 to 3 years $50 $25 4 to 7 years $75 $50 8 to 12 years $100 $ years $65 $40 Features and Benefits ROADSIDE ASSISTANCE Towing Flat tire service Battery boost Fuel delivery Lockout service Extrication/winch Towing is to the nearest repair facility within 90km and a preferred lower rate for towing over 90km. Will install spare tire provided it is in safe condition and will ensure correct installation. If the battery cannot be boosted, Satellite will arrange for towing service. Delivers 10 litres of fuel free of charge. Allows insured to regain access to the vehicle without incurring the costs of a locksmith or will refund a locksmith s receipt up to $50. Provides one truck and one operator for 20 minutes to extricate or winch the insured vehicle. TRAVEL BENEFITS Trip planning Car rental discount Offers a comprehensive trip routing package that includes driving directions, road maps and points of interest along the way. Entitles the insured to a 10% discount at Enterprise Rent-A-Car agencies across North America. Call and quote CA2C2AV. Saskatchewan 1 Aviva Insurance Company of Canada June 15, 2006
4 PRIVATE PASSENGER SPECIAL PROGRAMS Driver assistance that revolves around you TRAVEL BENEFITS Lodging discount Trip interruption Worldwide travel and emergency medical advice Satellite members receive a 10% discount on hotel accommodations at all Choice Hotels Inc. member hotels (Sleep Inn, Comfort Inn, EconoLodge and Quality Inn). If the insured vehicle breaks down more than 200km from home and can t be driven back, Satellite will reimburse accommodation expenses incurred while repairs are being made (limit $100 per day for 3 days). Satellite members can call to receive important information about travel destinations including embassy locations, travel advisories, and currency. If medical advice is required while traveling, a referral will be given to a medical professional within our network. ASSISTANCE SERVICES Ask an Expert Live Compass Satellite s car experts will provide sound advice on vehicle maintenance or an independent opinion on the cost of repairs. They will also refer the member to a nearby repair facility, estimate the resale value of the car and answer other vehicle related questions. Whether the insured is stuck in traffic or construction or just plain lost, one call to Satellite will provide directions or alternate routes to the destination. COVERAGE LIMITS Roadside assistance Trip Planning All other features 3 calls per policy per year, limited to 1 call for vehicles 13 years or older 2 packages per policy per year Unlimited Saskatchewan 2 Aviva Insurance Company of Canada June 15, 2006
5 Index Additional Coverage... 6 Antique vehicles Binding Authority... 2 Business Use Cancellations... 5 Collision Claims Classes of Vehicles... 4 Commission... 1 Comprehensive Deductible... 5 Family Protection Endorsement... 2 Farm Trucks (Heavy) Legal Liability for Damage to Non-Owned Auto... 8 Liability Limits... 8 Limited Waiver of Depreciation... 9 Loss of Use... 8 Minimum Premiums... 1 Minimum Retained Premiums... 1 Personal Injury Protection Plan extension... 2 Physical Damage Coverage... 3 Pleasure Use Policy Changes... 5 Policy Limits... 2 Policy Term... 2 Premium Tables Rate Groups... 3 Road Hazard Glass... 4 Standard Endorsement Forms... 6 Third Party Liability Section A... 2 Trailers Saskatchewan 1 Aviva Insurance Company of Canada Sept. 1 /Oct. 1, 2012
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7 Rates in this manual are to be used for private passenger vehicles and farm trucks only. A commercial auto rate manual is published. Refer to the commercial rate manual for commercial vehicles, which includes desired classes of use and excess value rates. Fleets, including vehicles registered outside of Saskatchewan, will be considered. Contact your Underwriter. Inquiries on specific accounts are welcome. All Automobile Applications must be completed in full, front and back, and signed by the applicant and agent. At your option you can attach a driver s abstract. You will be reimbursed for the cost of ordering these for us. If we have to order reports for other drivers we will require a driver s authorization form. Rating is based on the Driver History for the preceeding five (5) years. Applicants with less than five (5) years experience, refer to Underwriter. Minimum Premiums Minimum Premium for any Auto Policy is $100. Minimum Retained Premium for any Auto Policy is $50. Commission New Business & Renewals - 15% Saskatchewan 1 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
8 Binding Authority Brokers can bind all risks that fall within the guidelines provided in this manual. All other risks must be referred to your underwriter. You must have a signed application on the date coverage is bound. If the application is not signed or to be delayed past the inception date you must notify us within 24 hours by either phone, fax or mail. We must receive the completed signed application within five (5) working days after binding. Policy Term Rates and premiums in this manual or quoted are for a period of one year. For periods of less than a year, the premium will be charged on a short rate basis. Policy Limits Extension Policy Limits are in excess of coverage provided by the plate insurance under The Automobile Accident Insurance Act. For limits not published, please apply. Third Party Liability - Section A - Base Limit - $1,000, Optional limits available - $2,000,000. & $5,000,000. Family Protection Endorsement S.S.E.F Included on all Private Passenger Vehicle policies. - Limit is the same as Section A to a maximum of $2,000,000. Personal Injury Protection Plan extension - Limit is the same as Section A to a maximum of $2,000,000. Saskatchewan 2 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
9 Physical Damage Coverage Loss of or Damage to Insured Automobile - Section C All Perils - this option combines the coverage of Collision or Upset and Comprehensive. This coverage includes loss or damage caused if a person who lives in the Insured's household steals a described automobile. Coverage also applies if an employee who drives or uses, services or repairs a described automobile, steals it. Collision or Upset - Covers losses caused when a described automobile is involved in a collision with another object or tips over. Object includes: Another automobile that is attached to the automobile, The surface of the ground, and Any object in or on the ground. Comprehensive - Covers losses, other than those covered by Collision or Upset, including: Perils listed under Specified Perils, Falling or flying objects, Missiles, and Vandalism - Applicable to Private Passenger Vehicles and Farm Trucks. - All other Subsections apply to Commercial Vehicles, Trailers, Stated Value, Unlicensed, etc. - Deductibles may be reduced below the plate coverage. - Private Passenger Vehicles, Farm Trucks and Light Trucks are not subject to a maximum limit under the plate coverage. - Physical Damage coverage is not available on vehicles over 15 years old. Rating Groups - Rating based on driving experience for the past five (5) years. If record unavailable, P rate will not apply. - Applicant must have had a continuous valid operators permit for the past five (5) years to qualify for Rate Group P or A. - Applicants with any suspensions in the last 5 years Decline. - The driving record may affect the rating, do not bind where an operator has more than 3 convictions in 5 years. - Windshield claims are rated separately. - A claim is any loss or damage that would have been covered by a policy such as that for which is being applied, subject to the following losses considered Non-Chargeable. - Non-Chargeable losses: Vandalism and Hit and Run if reported to the Police within forty-eight (48) hours. Collision with Animals & Fowl. Wind and Hail. Fire, Lightning and Theft. RATE GROUP P - No Claims of any kind, including Non-Chargeable. RATE GROUP A - 1 Chargeable Claim RATE GROUP B - 2 Chargeable Claims. RATE GROUP C - 3 or more Claims Not Written - Decline Saskatchewan 3 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
10 Road Hazard Glass Coverage Section C - Subsection 5 Group - 0, 1, 2. Rating based on the number of Glass Claims in the past five (5) years. - Windshield Repairs not exceeding $100 are not considered chargeable. Where application is made for Road Hazard Glass Coverage, it must be verified by the Broker that all vehicles have windshields free of any damage. Frequency of Non-Chargeable Claims may affect the rating. Classes of Private Passenger Vehicles Pleasure - Pleasure Use only vehicles - Light Farm Trucks Business - Business/Pleasure Use vehicles - Leased vehicles (whether Business or Pleasure) - Policies in the Name of a Corporation - Motor Homes Heavy Farm Trucks - Farm Trucks over 1 Ton Antique and Classic - Pleasure use only Trailers Sub Classes - Cabin (including Campers) & Tent - Utility & Farm - Heavy - Unlicensed Classes Not Written All Terrain Vehicles, Motorcycles, Snowmobiles, Racing Vehicles Saskatchewan 4 Aviva Insurance Company of Canada July 2003
11 Deductible The deductible applies to all losses with the exception of the following: - Damage by Fire, Lightning or Theft of the entire vehicle - Collision with Animals or Fowl Where the policy provides a $100 or $200 deductible clause: - If Road Hazard Glass Coverage is included - Glass repairs Cancellations Flat cancellations are accepted up to 30 days after renewal date. New Policies will not be Flat Cancelled. Mid-term cancellations at the request of the Insured are calculated on a Short Rate basis. Cancellation requests must include the Insured's current policy Document or a signed release. Cancellation by Registered Letter is required if a release is not available. Broker requests for cancellation for Non-Payment of premium require a Registered Letter. Advise what amount of premium, if any, was paid. Cancellations by Registered Letter are calculated on Pro-Rata basis. The Broker's account will be credited the Pro-Rata return portion of the Premium. Policies cancelled by Registered Letter will not be reinstated. Policy Changes All changes to the policy that occur during the policy period are to be reported as they occur. Certain changes will not require endorsement (eg. serial number corrections), but submitted information must be correct and updated. Saskatchewan 5 Aviva Insurance Company of Canada Apr. 1 / May 1, 2006
12 Additional Coverage Standard Endorsement Forms S.S.E.F. No. 2 - S.S.E.F. No. 5 - Drive Other Automobiles. Named Person(s) Extends policy provisions to other autos. Permission to Rent or Lease. For specified lessee. S.S.E.F. No Limitation of Amount. S.S.E.F. No. 19A - Valued Automobile. S.S.E.F. No Loss of Use. Coverage for extra auto expense due to Insured vehicle being unavailable due to an insured loss. S.S.E.F. No Legal Liability for Damage to Non-Owned Autos Extends Section C policy provisions to other autos. $50,000 limit of liability. S.S.E.F. No Limited Waiver of Depreciation 36-month or 48-month waiver of depreciation. S.S.E.F. No Family Protection Provides underinsured motorist coverage. Saskatchewan 6 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
13 Thirty-six month Limited Waiver of Depreciation S.S.E.F. 43/43L Provides Waiver of Depreciation on Total Loss. Coverage must be added within 90 days of the date the Insured takes delivery of the new Vehicle. Available on Leased Vehicles. A copy of the purchase invoice/lease must accompany the application. Coverage must be continuous from the time the vehicle was new, but is transferable from other Insurers. The maximum value available for this coverage is $100,000. Refer to underwriting for higher values. Forty-eight month Limited Waiver of Depreciation S.S.E.F. 43/43L Provides Waiver of Depreciation on Total Loss. Coverage must be added within 90 days of the date the Insured takes delivery of the new Vehicle. Available on Leased Vehicles. A copy of the purchase invoice/lease must accompany the application. Coverage must be continuous from the time the vehicle was new, but is transferable from other Insurers. The maximum value available for this coverage is $100,000. Refer to underwriting for higher values. Saskatchewan 7 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
14 Liability Limits Basic Limit $1,000,000. Optional limits and rating shown below. $1,000,000 Limit and S.S.E.F. 44 included with All Perils package. If Collision/Comprehensive physical damage selected, Third Party Liability premium below must be added based on the Driving Record for the type of vehicle in question. Limit of Liability * Driving Record P A B $1,000, $2,000, $5,000, * premium includes Personal Injury Protection Plan Extension and S.S.E.F. 44 S.S.E.F Loss of Use Coverage, in the event of loss or damage to the automobile for which indemnity is provided by Section C of the policy for expenses reasonably incurred for the rental of substitute automobile, including taxicabs or public means of transportation. Premium based on Driving Record. Amount of Protection Driving Record P A B $1,000 (No daily limit) $1,500 (No daily limit) $2,000 (No daily limit) Saskatchewan 8 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
15 S.S.E.F. 43/S.S.E.F. 43L - Thirty-six month Limited Waiver of Depreciation Available on all vehicles except Motor Homes and Heavy Farm trucks Owned Pleasure Vehicles Leased & Business Vehicles 36 Month Coverage First $20,000 $45 $55 Each additional $1, S.S.E.F. 43/S.S.E.F. 43L - Forty-eight month Limited Waiver of Depreciation Available on all vehicles except Motor Homes and Heavy Farm trucks Owned Pleasure Vehicles Leased & Business Vehicles 48 Month Coverage First $20,000 $60 $70 Each additional $1, S.S.E.F Legal Liability for Damage to Non-Owned Autos Policy extends to provide Section C Coverage and deductible to Non-Owned autos. $50,000 Limit of loss, with the lowest deductible on the policy. Coverage included at no additional premium for incidental exposure only. For regular or extensive periods of exposure, contact your Underwriter. Saskatchewan 9 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
16 RATING Pleasure Use All Perils $100 Deductible P A B Glass Excluded Glass Included Number of Glass Claims $200 Deductible P A B Glass Excluded Glass Included Number of Glass Claims $350 Deductible P A B Glass Excluded $500 Deductible P A B Glass Excluded $700 Deductible P A B Glass Excluded $1,000,000 Limit Liability Only P A B All premiums include $1MM Liability and S.S.E.F. 44 Personal Injury Protection Plan extension - Automatically included on all vehicles. - Premium included in base. Saskatchewan 10 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
17 Business Use and Leased Vehicles All Perils AUTOMOBILE EXTENSION $100 Deductible P A B Glass Excluded Glass Included Number of Glass Claims $200 Deductible P A B Glass Excluded Glass Included Number of Glass Claims $350 Deductible P A B Glass Excluded $500 Deductible P A B Glass Excluded $700 Deductible P A B Glass Excluded $1,000,000 Limit Liability Only P A B All premiums include $1MM Liability and S.S.E.F. 44 Personal Injury Protection Plan extension - Automatically included on all vehicles. - Premium included in base. Saskatchewan 11 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
18 Heavy Farm Trucks - All Perils $100 Deductible P A B Glass Excluded Glass Included Number of Glass Claims 2 N/A $200 Deductible P A B Glass Excluded Glass Included Number of Glass Claims 2 N/A $350 Deductible P A B Glass Excluded $500 Deductible P A B Glass Excluded $700 Deductible P A B Glass Excluded $1,000,000 Limit Liability Only P A B All premiums include $1MM Liability and S.S.E.F. 44 Personal Injury Protection Plan extension - Automatically included on all vehicles. - Premium included in base. Saskatchewan 12 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012
19 Collision Pleasure Use Business Use & Leased Heavy Farm Trucks Deductible P A B P A B P A B Premiums do not include Liability or S.S.E.F. 44. Please see pg 8. Comprehensive Number of Glass Claims Pleasure Use Business Use & Leased Heavy Farm Trucks P A B P A B P A B $100 Deductible Glass Coverage Excluded Glass Excl $100 Deductible Glass Coverage Included $200 Deductible Glass Coverage Excluded Glass Excl $200 Deductible Glass Coverage Included $350 Deductible Glass Coverage Excluded Glass Excl $500 Deductible Glass Coverage Excluded Glass Excl $700 Deductible Glass Coverage Excluded Glass Excl Premiums do not include Liability or S.S.E.F. 44. Please see pg 8. Saskatchewan 13 Aviva Insurance Company of Canada Sept. 1 / Oct.1, 2012
20 Antique and Classic Vehicles This section is only for vehicles that fall into the antique or classic automobile definition. An appraisal is required from a certified appraiser to establish the value and the vehicle must be re-appraised every fourth year 2002 then 2006, 2010 etc. Subject to S.S.E.F. 19A Antique defined as being over 30 years old. These are true collector s items, and are licensed as antique or vintage automobiles by the Motor Vehicle Department. Classic defined as being over 20 years old and regarded as a collector s item due to age, model and condition. Limit of Liability Driving Record P A B $1,000, $2,000, $5,000, All premiums include $1MM Liability and S.S.E.F. 44 Personal Injury Protection Plan extension - Automatically included on all vehicles. - Premium included in base. For Physical Damage coverage refer to your Underwriter. Saskatchewan 14 Aviva Insurance Company of Canada Oct. 1 / Nov. 1, 2009
21 Trailers - Licensed Deductible Cabin & Tent Utility & Farm Heavy $ $ $ $ All premiums include $1MM Liability and Road Hazard Glass. For increased limits above $1MM use driving record P. S.S.E.F. 44 & PIPP extension not available. Trailers - Unlicensed Minimum Premium for each item - $50. Deductible Rate per $100 of Value $ $ $ $ $ All premiums include $1MM Liability. For increased limits above $1MM use driving record P. S.S.E.F. 44, PIPP extension and Road Hazard Glass not available. Saskatchewan 15 Aviva Insurance Company of Canada Oct. 1 / Nov. 1, 2009
22 Coverage on unlicensed personal use vehicles placed in storage is automatic when the vehicle is scheduled on the current policy. (As per Bulletin of March 24, 2004) Slide-in camper or top used with your auto: We will automatically cover up to one camper and one top. The camper or top is covered on or off the auto. It is covered for the same causes of loss as the auto. The same deductible applies and only one deductible will be used for each loss. Claims In order to process Claims quickly and efficiently, the Claims Department must know the five W's - WHO, WHAT, WHEN, WHERE, and WHY. Submit a Complete Automobile Claims Report Form for the most effective response to your Customers' Claims. Glass Claims - Submit Claims Report Form, along with the repair invoice or replacement account, indicating where damage was. If you are aware of the claim beforehand, submit report so that a file may be set up. The Insured may be instructed to advise the repair firm of the Policy Number and deductible so that the invoice may be submitted directly. Claims involving a Third Party - If the Insured is involved in an accident where damage is sustained to property of another (whether automobile or otherwise), there must be a report made to Saskatchewan Government Insurance as the primary liability coverage is provided by the Plate insurance. If it is determined that the Insured is at fault, submit a Claims Report Form so that the portion covered by the policy may be processed. Claims over $700 (Single Vehicle) - If the Insured has been involved in a single vehicle accident where the damage to the vehicle insured is over $700, there must be a report made to Saskatchewan Government Insurance. Once the Insured has reported to SGI, submit a Claims Report Form so that the portion covered by the policy may be processed. Claims under $700 (Single Vehicle) - If the Insured has been involved in a minor accident, have them obtain a written repair estimate and submit the repair estimate with the Claims Report Form for approval to have the repairs completed. Special Loss Deductible Feature For all Insureds carrying both Homeowners and Automobile Extension Policies with Aviva, any loss involving both the insured automobile and personal property, only one deductible, equal to the greater of the deductible on the Homeowners and Automobile Policy, will be charged. e.g. - The Insured has an Aviva Automobile Extension Policy at $100 deductible and a Homeowners Policy with Aviva at $200 deductible. A loss occurs wherein the Insured vehicle is in collision with the garage covered by the Insured's Homeowners Policy. There is $400 damage to the vehicle and $300 damage to the garage door. The loss payment would be $500 (equal to the $700 total repair costs less the deductible of $200). Saskatchewan 16 Aviva Insurance Company of Canada Apr. 1 / May 1, 2006
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