Specified
Name a specified peril that begins with the letter “f”
Fire.
(Flying or falling objects coverage is in Comprehensive)
Is earthquake damage covered with Specified Perils?
Yes it is a specified peril.
Is it collision if your car door swings open wider than expected in the wind and damages the other car?
Yes. You car collided with another car.
Coverage for a tire is always excluded? True or False?
False. Depending on your coverage chosen, tires could be covered where damage is as a result of fire, vandalism or even a collision.
True or False - Specified perils covers everything except what is excluded.
False. It does not cover the additional perils included in comprehensive and all perils. There is also collision
Are stone chips to windshield covered by Comprehensive?
Yes. They are missiles.
Does All Perils cover Specified Perils?
Yes. There is coverage for collision, comprehensive including Specified perils.
What is the maximum payout for recorded material stolen from a car?
Maximum of $25
Perils are defined as....
An event or circumstance that results in property damage
What are the perils added from specified perils to make comprehensive? Name 2
Falling or flying objects
Missiles
Vandalism
Is it considered collision if the car collides with an animal?
No. This type of loss is covered under comprehensive
The insured has a comprehensive policy covering theft. The insured’s nanny drives the children to school Friday but then steals the car Saturday night. Is there coverage for theft by an employee?
No. There is no theft coverage for an employee with comprehensive coverage.
There would be no coverage under All Perils either as the nanny uses the job as part of their employment which is excluded
True or false - Specified Perils coverage will come into play only in certain collisions?
False. It never covers a collision
True or false. Comprehensive would cover me with a collision with an animal?
True. Industry wide agreement
You forget to check your blind spot when changing lanes and you end up hitting the guardrail. Is there coverage under collision?
Yes there is
The insured sells the car to a buyer of Kijiji for a great price. The cheque given bounces. Is there coverage for the insured?
No coverage from trickery.
What specified peril would cover a vandalized tire?
None. Comprehensive is required.
If my car sunk while being towed off a frozen lake, is there coverage with Comprehensive?
Yes. The car is covered as -- the stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which a described automobile is being carried on land or water.
True or False - The insureds all perils policy covers theft by a family member?
True. It is not however covered under comprehensive or specified perils
The insured gets into an accident. Out of panic they race away and fail to stop at the scene of the accident. They return later and are not charged by police. Is the exclusion in place due to failure to stop at a scene?
No. There is coverage as they were not charged under the Criminal Code of Canada for failure to stop at the scene of an accident