UWM
If an Executor called in to cancel the policy backdated due to death. Do we need any document from them? if so what document we need?
UWM 16.2.3
If a backdated cancellation is required for Death, a verbal confirmation from the surviving spouse who
is a named insured or from the authorized estate contact is acceptable (no signature is required)
A customer asks whether there is an age limit in the policy wording for extending liability to a sailboat. Does the wording itself specify an age limit?
No. The policy wording does not specify an age limit for extending liability, although other underwriting eligibility requirements still apply.
What would be last date for additional drivers to enroll into TDMA who are currently receiving TDMA discount?
Additional Drivers enrolled in the previous TD MyAdvantage program who are currently receiving a discount have until December 28, 2026 to enrol in the TD MyAdvantage program and retain their existing discount.
MTO Recognized Foreign Driving Experience (Ontario only) situation What should we do if the driver has prior driving experience from multiple countries?
When selecting "Country of Previous Automobile Licence" or "Country of Previous Motorcycle Licence", choose the country where the driver was most recently licensed for the applicable licence type.
When entering the "Date Obtained Previous Automobile Licence" or "Date Obtained Previous Motorcycle Licence", enter the driver's earliest licensing date recognized by the Ontario Ministry of Transportation (MTO) for the applicable licence type.
What Driving Behaviors determine the customer's driving score in TDMA program?
• Acceleration behaviour
• Braking behaviour
• Cornering behaviour
• Speeding behaviour
• Distracted driving
• Nighttime driving
• Duration of trip
A customer acquires a new watercraft. The customer reports a liability loss 25 days after acquiring it, but the new watercraft has not yet been added to the Coverage Summary page. They already have have a watercraft added in their existing policy and thought they have watercraft coverage already. Will we cover the risk in this siutation?
Yes .
The coverage period is 30 consecutive days.
This period begins on the date the boat or watercraft is acquired. It ends upon expiration of 30 consecutive
days or termination of this insurance policy, whichever occurs first.
If a customer called in for changing their name. What circumstance we should not proceed with the request?
STOP! - Check if Customer has updated name on drivers license. If not, tell customer to call back once drivers license has been updated with new name.
If a customer is calling to get an insurance for a cottage which is sitting on a campground not owned by the cottage owner. There is no lease agreement between the land lord and homeowner as well. Should we proceed with the insurance?
No as per UWM 2.1.6
"Leased land with no leased land agreement document (not applicable to First Nation Land, Majesty the
Queen and ZEC)
What are the situation we add end 13H in AB?
UWM 4.9
Required on any vehicle for which:
• The applicant has received a cash settlement for a prior hail loss, until proof of repairs is received
• There is a pre-existing hail damage as indicated by a vehicle inspection report, until proof of repairs is
received
After a loss, the property ownership transfers to the mortgagee or the mortgagee’s assigns. Does coverage automatically terminate because ownership changed?
No. According to the “Foreclosure” section shown, the insurance continues until expiry or cancellation for the benefit of the mortgagee and/or assigns.
What is the processing time after receiving the cheque from the customer?
2 days
What is the acceptable number of days for the decline rule “Tenant that just moved in
There is no set number of days. Use your best judgment and refer the case to UW if a concession is warranted.
What should be the minimum required premium for Motorcycle?
$50
An existing customer is moving from Alberta to Saskatchewan and cancelling their Alberta policy effective December 31, 2026. Their Saskatchewan policy is going to be started from Jan 1, 2026. While the customer’s belongings were in transit from Oct 1, 2026 towards their new primary residence in Saskatchewan, they were damaged by a insured peril under the policy wording. Would the loss be covered? Please explain the applicable rules.
Nope
What would be approved Abbreviation for "Ineligible" for notepad?
Ineligible
Customer has a MC policy with 3 MC insured since Feb 28, 2026 with premium $3,000 and now want to cancel the policy effective Nov 1, 2026. How much TD will retain as premium?
$3,000
A customer is planning to purchase a house which is in acceptable condition.
Purchase price is $200,000 and replacement cost $400,000.
Should we decline the risk? if so what should be reason?
No there is no concern.
Homeowner, Secondary Home, Secondary Property, Rented Home or Seasonal Home purchased within
the last 12 months or not purchased yet when
purchase price is less than 25% of the replacement cost (except if part of an inheritance or
purchased from a friend or family member)
A customer is away from the home for 21 consecutive days during the regular heating season. A plumbing system freezes and ruptures, causing water damage. The customer arranged for a competent person to enter the dwelling during the first 7 days and at least once every 7 days afterward to make sure the heating was being maintained.
Would the “more than 7 consecutive days unoccupied” exclusion automatically apply?
No
According to the wording shown, the exclusion does not apply beyond the 7-day period when the required heating checks have been arranged at the specified intervals.
Can you give me a situation when TDI can disclose information of the customer without their consent that is also protected under PIPEDA Act.
Under Personal Information Protection and Electronic Documents Act (PIPEDA), an organization may disclose personal information without the knowledge or consent of the individual only if the disclosure is made to a person who needs the information because of an emergency that threatens the life, health or security of an individual and, the organization informs that individual in writing without delay of the disclosure.
A parked Alberta vehicle is damaged in a hit-and-run.
The customer has no Comprehensive coverage but does carry Collision
The insured does not have Comprehensive but does carry Collision, the parked-vehicle hit-and-run could be paid under Collision. The hit-and-run should be considered not at fault, and the deductible is based on the coverage under which the loss is being paid