DEDUCTIBLES How Deductibles Work Why Deductibles? Paying Deductibles When Claim is Less Vandalism, Hail, Hit & Run Stolen Stereo Zero or Reduced Deductibles Glass Damage Which Deductible? Deductibles Table

Deductibles > How Deductibles Work

When No Deductible Applies

If you have either a $200 or $100 deductible, you will not pay a deductible if you collide with a wild animal or if your vehicle requires glass repair. (A deductible does apply on glass replacement.)

With the $200 or $100 deductible, no deductible applies in the event of a successful or attempted theft of your vehicle—provided there is clear evidence of intent to steal. Without that evidence, the claim is considered vandalism and you are responsible for paying the deductible.

If you have the basic $500 or optional $300 deductible you will be responsible for the full deductible if your vehicle is stolen. However, if the stolen vehicle shows evidence that an anti-theft device was properly in use and defeated, your deductible will be reduced by 50 per cent.

Deductibles and Glass Damage

If you have a $500 deductible, it applies to all glass claims. If you have a $300, $200 or $100 deductible, your deductible is $300, $200 or $100 respectively for glass replacement claims, and zero for glass repair claims.

	Vehicle	Hit and Run	Glass	Write-offs
	Bodily Injury	Out of Province	Who's At Fault	Appeal Options
	Fatality	Commercial	Deductibles	FAQs