Benefits in Alberta

We have explained vehicle insurance and licensing using clean and simple language. Where words or expressions used here differ from the wording of the Canadian Direct Insurance policy, the Canadian Direct Insurance policy wording will prevail.

Premium Waiver for Disability

If you become disabled and cannot work, and are on the monthly premium plan, Canadian Direct Insurance waives your monthly premiums for the rest of your policy term, or until you return to work, whichever happens first. 

Emergency Service Expense

This coverage reimburses you up to $60CAD, once per policy term, upon presentation of receipts for towing and emergency service expense necessary due to the disablement of your automobile.

Loss of Use Due to Theft

(Comprehensive Coverage) If your vehicle is stolen and you need a rental car, Canadian Direct Insurance repays reasonable rental costs (subject to certain limits) until your vehicle is recovered, repaired, replaced, settlement is offered or the maximum is reached, whichever happens first. 

Lock Re-keying

If your keys or transmitter are stolen, and you have Comprehensive coverage, Canadian Direct Insurance pays to replace them and re-key or recode your locks, subject to your deductible and the applicable limit. 

Guaranteed Claims-Free Discount

We know that even the best drivers have claims. As primary operator you will not lose your Canadian Direct Insurance claims-free discount if you have one claim, provided you have qualifying claims and insurance histories. 

V.I.P. Package

This package is included free of charge for those drivers with qualifying claims and driving histories. It includes Loss of Use, Travel Protection and Legal Liability for Damage to Non-Owned Vehicles. If your vehicle is three years old or less, then the package also includes Limited Waiver of Depreciation coverage. 

Guaranteed Renewal

After your first renewal with Canadian Direct Insurance, your future renewals are guaranteed, provided: 

you do not have more than three at-fault accidents in a consecutive three year period; 
you pay your premiums;
you do not sustain any serious or criminal code convictions; and
you do not have a claim denied due to fraud.