Auto Insurance 101: S.E.F.’s
In part three of our blog series on personal automobile insurance, we would like to outline some of the most common Standard Endorsement Forms (S.E.F.’s) that can be added to your Alberta Standard Automobile Insurance Policy. These Endorsements serve the purpose of either adding or removing coverage from your policy.
S.E.F. 5 – Permission to Rent or Lease
S.E.F. 6 – Permission to Carry Passengers for Compensation
S.E.F. 13D – Comprehensive Cover – Limited Glass
S.E.F. 19A – Valued Automobile
S.E.F. 20 – Loss of Use
S.E.F. 27 – Legal Liability for Damage to Non-Owned Automobiles
S.E.F. 35 – Emergency Service Expense
S.E.F. 39 – Accident Rating Waiver
S.E.F. 43 – Limited Waiver of Depreciation
Several of the above-mentioned endorsements are automatically included on your policy, depending on the Insurer, and other endorsements can be added for a small additional premium. Newer endorsements are also being created by Insurance Companies to adapt to changing technologically, such as the introduction of companies like Uber and Turo.
Please do not hesitate to contact our Office if you have any questions regarding this information or if you would like us to provide you with a complimentary review of your existing coverage. As always, we would be more than happy to assist you!
The Costen Insurance Team