Personal Lines Automobile Manual - AvivaPartner.ca Lines Automobile Manual Aviva Insurance Company of Canada PRIVATE PASSENGER – SPECIAL PROGRAMS Saskatchewan 1 Aviva Insurance Company

SASKATCHEWAN

Personal Lines Automobile Manual

Aviva Insurance Company of Canada

www.avivacanada.com

PRIVATE PASSENGER – SPECIAL PROGRAMS

Saskatchewan 1 Aviva Insurance Company of Canada June 15, 2006

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 1-877-652-8482. 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 $75

13+ years $65 $40 Features and Benefits ROADSIDE ASSISTANCE Towing Towing is to the nearest repair facility within 90km and a preferred lower rate for

towing over 90km. Flat tire service Will install spare tire provided it is in safe condition and will ensure correct

installation. Battery boost If the battery cannot be boosted, Satellite will arrange for towing service. Fuel delivery Delivers 10 litres of fuel free of charge. Lockout service 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. Extrication/winch Provides one truck and one operator for 20 minutes to extricate or winch the

insured vehicle. TRAVEL BENEFITS Trip planning Offers a comprehensive trip routing package that includes driving directions, road

maps and points of interest along the way. Car rental discount Entitles the insured to a 10% discount at Enterprise Rent-A-Car agencies across

North America. Call 1-877-267-7671 and quote CA2C2AV.

PRIVATE PASSENGER – SPECIAL PROGRAMS

Saskatchewan 2 Aviva Insurance Company of Canada June 15, 2006

Driver assistance that revolves around you TRAVEL BENEFITS Lodging discount Satellite members receive a 10% discount on hotel accommodations at all

Choice Hotels Inc. member hotels (Sleep Inn, Comfort Inn, EconoLodge and Quality Inn).

Trip interruption 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).

Worldwide travel and Satellite members can call to receive important information about travel emergency medical destinations including embassy locations, travel advisories, and advice 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 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.

Live Compass 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 3 calls per policy per year, limited to 1 call for vehicles 13 years or older Trip Planning 2 packages per policy per year All other features Unlimited

AUTOMOBILE EXTENSION

Saskatchewan 1 Aviva Insurance Company of Canada Sept. 1 /Oct. 1, 2012

Index Additional Coverage .................................................................................................................................................. 6 Antique vehicles ...................................................................................................................................................... 14 Binding Authority ....................................................................................................................................................... 2 Business Use .......................................................................................................................................................... 11 Cancellations ............................................................................................................................................................. 5 Collision ................................................................................................................................................................... 13 Claims ..................................................................................................................................................................... 16 Classes of Vehicles ................................................................................................................................................... 4 Commission .............................................................................................................................................................. 1 Comprehensive ....................................................................................................................................................... 13 Deductible ................................................................................................................................................................. 5 Family Protection Endorsement ................................................................................................................................ 2 Farm Trucks (Heavy) .............................................................................................................................................. 12 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 ........................................................................................................................................................... 10 Policy Changes ......................................................................................................................................................... 5 Policy Limits .............................................................................................................................................................. 2 Policy Term ............................................................................................................................................................... 2 Premium Tables ...................................................................................................................................................... 10 Rate Groups .............................................................................................................................................................. 3 Road Hazard Glass ................................................................................................................................................... 4 Standard Endorsement Forms .................................................................................................................................. 6 Third Party Liability – Section A ................................................................................................................................ 2 Trailers .................................................................................................................................................................... 15


Saskatchewan 1 Aviva Insurance Company of Canada Sept. 1 / Oct. 1, 2012

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%



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 - $1,000,000. - Optional limits available - $2,000,000. & $5,000,000. Family Protection Endorsement – S.S.E.F. 44 - 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.



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 4 Aviva Insurance Company of Canada July 2003

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 5 Aviva Insurance Company of Canada Apr. 1 / May 1, 2006

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.



Additional Coverage Standard Endorsement Forms S.S.E.F. No. 2 - Drive Other Automobiles. Named Person(s) Extends policy provisions to other autos. S.S.E.F. No. 5 - Permission to Rent or Lease. For specified lessee. S.S.E.F. No. 19 - Limitation of Amount. S.S.E.F. No. 19A - Valued Automobile. S.S.E.F. No. 20 - Loss of Use. Coverage for extra auto expense due to Insured vehicle being unavailable due to

an insured loss. S.S.E.F. No. 27 - 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. 43 - Limited Waiver of Depreciation 36-month or 48-month waiver of depreciation. S.S.E.F. No. 44 - Family Protection Provides underinsured motorist coverage.



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.



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

$1,000,000 74 79 135

$2,000,000 100 116 205

$5,000,000 132 147 265

* premium includes Personal Injury Protection Plan Extension and S.S.E.F. 44 S.S.E.F. 20 - 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) 50 61 116

$1,500 (No daily limit) 58 68 130

$2,000 (No daily limit) 75 83 149



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 $1,000 0.50 0.50

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 $1,000 1.00 1.00

S.S.E.F. 27 - 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.



RATING Pleasure Use – All Perils

$100 Deductible P A B

Glass Excluded 163 173 315

Glass Included 0 210 221 405

Number of 1 226 236 435

Glass Claims 2 305 315 585




Number of 1 163 173 315








$1,000,000 Limit Liability Only P A B

74 79 135

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.



Business Use and Leased Vehicles – All Perils




Number of 1 257 273 505





Number of 1 200 221 405









84 95 165




Heavy Farm Trucks - All Perils




Number of 1 189 205 375

Glass Claims 2 N/A 252 465




Number of 1 137 147 265

Glass Claims 2 N/A 173 315








68 74 125



Saskatchewan 13 Aviva Insurance Company of Canada Sept. 1 / Oct .1, 2012

Collision

Pleasure Use Business Use & Leased Heavy Farm Trucks

Deductible P A B P A B P A B

100 55 58 111 64 68 129 42 45 86

200 32 36 68 49 55 104 26 29 55

350 22 26 49 29 29 55 13 13 25

500 16 19 37 23 22 43 10 9 18

700 13 16 31 16 16 31 4 6 12 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. 34 36 69 41 42 81 27 28 54

$100 Deductible – Glass Coverage Included

0 81 84 159 94 94 181 69 70 134

1 97 99 189 109 110 211 79 86 164

2 176 178 339 193 194 371 ‐‐‐ 133 254


Glass Excl. 20 22 42 30 34 66 16 18 35

$200 Deductible – Glass Coverage Included

0 46 48 92 56 60 116 32 34 65

1 57 58 112 67 71 136 43 44 85

2 88 90 172 98 102 196 ‐‐‐ 70 135


Glass Excl. 14 16 31 18 18 35 8 8 15


Glass Excl. 10 12 23 14 14 27 6 6 12


Glass Excl. 8 10 19 10 10 19 2 4 8 Premiums do not include Liability or S.S.E.F. 44. Please see pg 8.


Saskatchewan 14 Aviva Insurance Company of Canada Oct. 1 / Nov. 1, 2009

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

$1,000,000 58 63 120

$2,000,000 84 95 180

$5,000,000 116 121 230

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 15 Aviva Insurance Company of Canada Oct. 1 / Nov. 1, 2009

Trailers - Licensed

Deductible Cabin & Tent Utility & Farm Heavy

$ 100 58 42 105

$ 200 47 37 84

$ 350 42 32 63

$ 500 37 26 53

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

$ 100 1.94

$ 200 1.68

$ 350 1.52

$ 500 1.42

$ 700 1.31

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 16 Aviva Insurance Company of Canada Apr. 1 / May 1, 2006

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).

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Personal Lines Automobile Manual - AvivaPartner.ca Lines Automobile Manual Aviva Insurance Company of Canada PRIVATE PASSENGER – SPECIAL PROGRAMS Saskatchewan 1 Aviva Insurance Company