Understanding Common SEF Endorsements for Alberta Auto Insurance

At McDonalds Insurance in Didsbury, AB, we’re committed to helping you understand your auto insurance options. Standard Endorsement Forms (SEFs) allow you to customize your policy to fit your needs. Here’s a breakdown of five common SEFs in Alberta and how they can benefit you.

SEF 13D: Limited Glass Coverage

SEF 13D is a cost-saving endorsement that modifies your policy by limiting glass coverage, excluding the front windshield from damage claims like rock chips—common in Alberta due to gravel roads and frequent hailstorms. While this reduces your premium, it still covers glass damage from fire, theft, vandalism, or natural disasters like hail, offering a balanced approach. This endorsement suits drivers less prone to minor glass damage but may not cover all scenarios, so a consultation can help determine the best fit for you.
However, for comprehensive windshield protection, consider asking one of our brokers about our AMI (Automobile Maintenance Insurance) coverages, which provide broader glass repair options tailored to your driving habits.

SEF 20: Loss of Use

SEF 20 provides coverage for rental vehicle costs, taxis, or public transit if your car is out of service due to a covered loss, such as a collision or hail damage. This ensures you remain mobile while repairs are underway, offering peace of mind during unexpected disruptions. Common total limits often set at $2,500, $1,500, or $1,000, depending on your policy. The exact amount depends on your insurer and coverage level, so review your policy or contact us to confirm what suits your needs during repair delays.

SEF 27: Liability for Damage to Non-Owned Automobiles

SEF 27 extends your policy’s physical damage coverage to rental vehicles in Canada or the U.S. for up to 30 days. SEF 27 can benefit you if your vehicle is in the shop for repairs following a covered loss, allowing you to use a rental without incurring extra costs.
If you rent a car on vacation and it’s damaged, your policy’s deductible and coverage limits apply, potentially saving you from costly rental company insurance fees. This is particularly useful for frequent travelers or those renting vehicles for business, as it leverages your existing coverage rather than requiring separate insurance. It’s a practical add-on to avoid unexpected expenses abroad or during repair periods.

SEF 44: Family Protection

SEF 44 protects you and your family if you’re injured in a collision with an underinsured or uninsured driver, including hit-and-runs. It covers the difference between your claim and the at-fault driver’s coverage, up to your policy’s liability limit. In Alberta, where severe weather can lead to accidents, this endorsement offers peace of mind for medical costs or lost income.

SEF 35: Emergency Roadside Assistance

SEF 35 reimburses costs for towing or roadside services like tire changes, lockouts, or fuel delivery, with common limits of $50, $100, or $250 per incident, depending on your policy. While convenient for minor emergencies, its coverage is often limited compared to third-party options like CAA, which many insurers now recommend due to SEF 35’s phased-out status in some cases. For Didsbury’s rural roads, assess your driving frequency and distance to decide if this endorsement, or a broader roadside plan, best meets your needs.

Discuss these options with us to balance coverage and cost. Contact McDonalds Insurance at 403-335-3442 or visit our Education Centre for more insights!