The Smart Alarm device requires both a GPS signal and active telecommunication coverage.

The Deductible Refund benefit is designed to reimburse up to $1,000 of the basic deductible on your comprehensive motor insurance.

To be eligible:

The Auto Deductible Reimbursement Benefit Does Not Apply If:

• The Member must own and insure the Covered Auto involved in the Loss;
• The Member must have an in-force Auto Insurance Policy on the Member’s Covered Auto at the time of a Loss;
• The claim under the Member’s Auto Insurance Policy must not be denied by the Member’s Auto Insurance Company;
• The Loss must exceed the Member’s in-force Auto Insurance Policy deductible;
• The Member’s Auto Insurance Company has not waived the Auto Insurance Policy deductible under the Member’s Auto Insurance Policy;
• The Loss must be for a Covered Auto, which does not include, a Recreational Vehicle (RV), Trailer, Motor Home, All Terrain Vehicle (ATV), Motorcycle, Boat, Personal Water Craft (PWC) or any other vehicle that does not fall under the definition of a Covered Auto;
• The auto must not be used for commercial purposes or hire, or be a commercial vehicle as defined by the manufacturer;
• The Member must repair the Covered Auto (n/a on Total Loss claims). Deductible paid receipt is required on non-Total Loss claims.