Did you know: most automobile insurance policies have an endorsement that limits the automobile glass insurance coverage on your vehicle, including the windshield?
Limited Auto Glass Coverage
In Alberta, the majority of automobile insurance policies (that include comprehensive coverage) have the SEF 13D Limited Glass endorsement applied. This endorsement limits glass coverage to specified perils only, and includes vandalism coverage to windows other than the front window. This means that if the SEF 13D endorsement is added to your policy, you would not have coverage for glass damage caused by rocks, chips, and other debris.
So why would we, as your Broker, suggest that you limit your glass coverage?
By applying the SEF 13D endorsement to your policy, your comprehensive premiums are significantly reduced. Most Insurance Companies offer a 50% discount on comprehensive premiums when this endorsement is added. As well, the minimum comprehensive deductible on most automobile insurance policies is $500. In the event of an automobile glass claim, you would be required to pay this amount first. In many cases, the cost to repair or replace the automobile glass is less than the policy deductible.
Comprehensive Auto Glass Coverage
There may be instances when you want to have glass coverage on your vehicle(s), especially if the vehicle is new, has a sunroof, or is a luxury vehicle. In these cases, we recommend purchasing a specialized automobile glass insurance policy through AMI Insurance.
AMI Auto Glass
There are many benefits to purchasing a separate auto glass insurance policy with AMI, which include:
- The cost of a policy can be as low as $186.00/year or $18.00/month, which is often covered by the savings of limiting the glass under your automobile policy.
- The policy provides coverage for your vehicle’s windshield, rear and side windows, and sunroof.
- Any claims made on the auto glass policy do not impact your automobile insurance policy premiums.
- The auto glass policy has low deductibles ($25.00 for glass repairs and $50.00 for glass replacement).
We hope you have found this information helpful! If you have any questions regarding your vehicle glass coverage or your insurance policy, please do not hesitate to contact us and one of our friendly and knowledgeable Team members would be more than happy to help!
Thank you,
The Costen Insurance Team
