Extended Auto Insurance

Question 1

Benefits of Extended Auto Insurance

Answer 1

• Increased protection travelling outside of Saskatchewan
• More protection in the event injury occurs from an auto accident
• Increased financial protection
• Liability starting at 1 million to 5 million
• Lower deductibles from $700 to $50
• No deductible (usually) for wildlife, fire, theft
• Replacement coverage
• Family Security

Question 2

Conditions for Extended Auto

Answer 2

• all insured vehicles are properly registered in Saskatchewan
• registered in insured name only
• no other coverage on vehicle
• not an auto dealer

Question 3

Non-owned automobile coverage

Answer 3

allows for coverage to extend off the extension policy when the insured uses or borrows an auto they do not own with permission

Question 4

Exclusions of non-owned automobile coverage

Answer 4

• they will insure the coverages transfer to only ONE replacement vehicle not multiple
• Employer owned vehicles, no company vehicles, yours or anyone else’s
• If the cover page shows a corporation or business, it cannot be regularly used by an officer, employee, partner, or by someone who lives in their home. a.k.a non-owned vehicle (employees need own auto pak)
• auto used in the business of auto sales, repairs, servicing, storing or parking.
• autos used to carry people or goods for a fee.