When No Deductible Applies
If you have purchased a $300, $200 or $100 deductible package, you will not pay a deductible if you collide with an 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.
If you have the basic $500 or optional $300 deductible you will be responsible for the full deductible if your vehicle is vandalized or 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.