Protection for Alberta Roads.

From the morning commute to the harvest haul, we ensure you have the right coverage for the unexpected.

More Than Just a Policy

At McDonald Agencies, we don't just sell you a policy; we build a shield around your liability. As Licensed Brokers, we access the entire market to find the best rate, but more importantly, we act as your advocate if you ever have to make a claim.

Feature	Direct Writer / Bank	McDonald Agencies (Broker)
Market Access	1 Company (Take it or leave it)	Major Insurers + Antique & Classic Markets
Claims Support	1-800 Call Centre Stranger	Local Guidance & Support
Endorsement Advice	Generic / Automated	Custom tailored to your specific needs
Expertise	Sales Agent	Licensed & Experienced Advisors

What We Cover

🚗 Personal Vehicles

Whether it’s the family SUV or your commuter sedan, we recommend a minimum of $2 Million liability for all Alberta drivers to protect against rising lawsuit costs.

🚜 Farm Trucks & Fleets

Your truck is a tool. We structure commercial auto policies that cover your hauling, farm plates, and multi-vehicle fleets with seamless integration into your Farm policy.

🏎️ Classic & Antique

We understand the passion behind the restoration. We access specialized markets (like Hagerty) to offer Agreed Value coverage, ensuring your classic is insured for what it’s actually worth.

🏍️ Recreational & Toys

Alberta is made for exploring. We cover motorhomes, travel trailers, ATVs, and snowmobiles. Bundle tip: Combining these with your auto policy is the fastest way to trigger multi-line discounts.

Broker Language Decoder

Click the tabs below to understand the most common endorsements (SEFs) we discuss.

SEF 13D: Limited Glass

Limits glass coverage to specific events (like fire or theft) but excludes rock chips and cracks. Adding this lowers your premium significantly.

SEF 13H: Hail Excluded

This removes coverage for hail damage. If you have an older vehicle and don't mind a few dents, this is a great way to save money.

SEF 19: Limit of Amount

Sets a maximum payout cap for the vehicle. Often used on older vehicles to agree that the insurer will pay up to a certain amount, but no more.

SEF 19A: Agreed Value

Critical for Classics. This guarantees that in a total loss, you are paid a specific, pre-agreed amount (e.g., $50,000) rather than the fluctuating market value.

SEF 20: Loss of Use

Pays for a rental car (or taxi/transit) while your vehicle is being repaired due to an insured claim. Without this, you are walking or paying out of pocket.

SEF 27: Rental Liability

Transfers your insurance coverage to a vehicle you rent (like on vacation). This usually saves you from buying the expensive daily insurance sold by the rental car company.

SEF 39: Accident Rating Waiver

"Forgives" your first at-fault accident. Your premiums will not increase solely because of that first accident, protecting your clean driving record.

SEF 43R / 43L: Waiver of Depreciation

For new (R) or Leased (L) vehicles. If you write off your new car in the first 24-30 months, this pays you the original purchase price, ignoring any depreciation that has occurred.

Understanding Alberta Auto Trends

Auto insurance in Alberta is changing. Between inflation driving up repair costs, the high frequency of hail storms, and auto theft, premiums are under pressure.

We help you mitigate these costs without cutting corners:

Telematics: Use apps to prove you are a safe driver for discounts.
Higher Deductibles: Raising your collision deductible can significantly lower your annual premium.
Bundling: Combining Home and Auto is the single fastest way to drop your rate by 15-20%.

DID YOU KNOW?

Collision Reporting Threshold: As of Jan 1, 2024, the property damage threshold for reporting a collision to police increased to $5,000. You no longer need a police sticker for damage under this amount.

Stop guessing. Start driving covered.

Let our team review your current policy. We often find gaps in coverage while simultaneously lowering the price.

Get a Quote

Or call us at (403) 335-3442