You Gotta Know!
Bills, Bills, Bills
Define Dis
Dissecting an Auto Policy
OPCF WHAT?
100
If the client's newly purchased vehicle was a dealership demo, it cannot exceed this amount of km's in order to qualify for 43.
10,000 km
100

This newly created policy change form removes exclusion 1.8.1 from our policy wordings which states: "the automobile is used to carry paying passengers"

36 months 
100

This discount/feature is applicable when the named insured has at least one auto and one property insurance policy with aligning expiry/renewal dates.

Combined Policy (Discount)
100

Liability, Accident Benefits, Uninsured Motorist, and Direct Compensation - Property Damage are known as what type coverage?

Mandatory Coverage 
100
This policy change form provides the client a rental vehicle following an insurable loss
OPCF 20
200
Aside from a Credit Card, this form of payment is the client's only other option if they are looking to begin a policy within the next 10 days
Visa Debit
200

Pushing a client's payment back to a maximum of 10 days is also referred to as what

Deferring a Payment 
200

Contrary to definition by law, this "status" can only be obtained with RBC Insurance when living with a partner continuously for 3 years or 1 year with a child.

Common-Law Relationship
200

This information need only be collected if the the driver in question has been licensed for less than 3 years and is looking for a little "relief" as a new driver.

Driver's Training Certificate 
200
This is an optional endorsement which protects a driving record from being affected by the first chargeable at-fault loss of any kind
NPCF PRO - Driving Record Protector
300
This must be read by you and accepted by the client prior to pulling an Auto Plus and MVR
Consent Statement 
300

This payment plan requires the client to pay the first 60% of the policy upfront and the remaining 40% is due 6 months after the policy effective date

Semi-Annual Pay Plan
300

All Perils, Collision or Upset, Comprehensive, and Specified Perils are examples of what

Physical Damage Coverage 
300

A mandatory endorsement that is automatically added to every auto insurance policy, regardless of coverage accepted.

OPCF 44 - Family Protection
300
This policy change form is a signed document in which one or multiple drivers are restricted from the driving the named insured's vehicle
OPCF 28A - Excluded Driver
400
Aside from Driving Record and Vehicle Insured, this rating factor helps in determining a client's insurance rates
Rating Territory
400

Aside from Credit Card, this other method of payment can be used for a client to make their monthly deductions throughout the policy term

EFT (Electronic Funds Transfer)
400

Provided the operator is accident and convictions free, a 10% discount is applied for the first year of the operator holds a G2 and G license.

Graduated License Discount 
400

Included in NPCF CSD - Worry Free Bundle, OPCF 27 - Legal Liability for Damage to Non-Owned Automobiles is limited to this amount of coverage

$50,000
400
This policy change form is the client's only option if they are looking to temporarily remove road coverage from their vehicle if it is the only vehicle insured in the household through RBCI 
OPCF 16 - Agreement for Suspension of Coverage
500
Except where otherwise indicated, this amount is the minimum premium at which a policy may be issued 
$50.00
500

Upon missing 2 payments in a policy term, a client will be cancelled for non-payment with a reinstatement option. Name 1 of the 4 ways the client can make this payment

Certified Cheque, Money Order, Online, or Telephone Banking 
500

When colliding with a dead animal on a road, the insured would need to claim towards this portion of their insurance policy

Collision Coverage 
500

In order to remove/restrict coverage on a Leased or Financed vehicle, a release letter is required by the interested party OR the change can be made in the system for this many days in the future

18 days 
500

This newly created policy change form removes exclusion 1.8.1 from our policy wordings which states: "the automobile is used to carry paying passengers"

NPCF 6U - Permission to participate in an insured Transportation Network with extended coverages 
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