AUTO INSURANCE DISCOUNTS
We will be happy to provide a complete explanation of these discounts, as all discounts are subject to underwriting criteria.

Anti-theft Discount
A discount of 10% may apply to the comprehensive or specified perils portion of your premium if you have non-standard, professionally installed electronic anti-theft devices wired to the ignition of your car. If you have selected all perils coverage, the discount is applied to the comprehensive portion only.

Satellite Monitoring System Discount
A discount of 10% may be applied to the comprehensive or specified perils portion of your premium if you have a non-standard, professionally installed satellite monitoring system in your vehicle. If you have selected all perils coverage, the discount may be 10%.

Farmers Discount
This discount may be offered upon referral of details to the company.

Renewal Loyalty Discount
A progressive discount may be applied to the policy at renewal, as long as the policy remains continuously in force:

• 5% — 3 to 4 years or more
• 10% — 5 years or more

Note: these discounts are not cumulative and do not apply to endorsements.

New Business Loyalty Discount
A progressive discount may be applied to your new business policy if you have been continuously insured with your immediately prior insurer.

• 5% — 3 to 4 years or more
• 10% — 5 years or more

Note: these discounts are not cumulative and do not apply to endorsements.

Age Discount
One of the following age discounts may apply to any automobile on the policy where the principal driver listed is:

• Age 40–44 — 3%
• Age 45–49 — 5%
• Age 50–54 — 10%
• Age 55–64 — 12%
• Age 65–69 — 6%
• Age 70–74 — 3%
• Age 75 and over — 0%

This discount is applied to all coverages except optional increased accident benefits. Other terms and conditions apply.

Multi-line Policy Discount
A discount of 5% may apply to all automobiles if you insure your property, provided you have no more than one chargeable loss on any one policy in the past three years.

Multi-Vehicle Discount
A discount of 10% may be applied to your automobile policy if you insure more than one automobile. The discount applies to all common coverages, except optional accident benefits, comprehensive or specified perils.

Short Commute Discount
A discount of 7% may apply if you have a short commute to work, within 8 km.

Student Discount
A discount of 50% may be applied to an occasional operator(s) while they are attending a college or university more than 161 km from home.

Keep us informed
Given that auto insurance premiums are influenced by a number of factors, we recommend you call us to review your policy if your situation changes. You may qualify for a lower rate if, for example, there's a change in the distance you commute to work or if you are on maternity or a parental leave.

Optional auto enhancements
Accident Forgiveness
In Alberta, drivers are rewarded for their good driving record and experience. Many companies refer to the way they classify a driver by awarding them “stars” based on their experience. The highest of these is referred to as a 6-star driving record.

Are you currently rated as a six-star driver? If so, you are eligible to protect your six-star preferred rating in the event of an at-fault loss for an additional annual premium of $25 or $35 per vehicle depending upon driving class. With the Six Star Protector, even if you are deemed to be at-fault in a future accident, your driving record and claims-free rating will remain unchanged. As far as your insurance is concerned, it's like the accident never happened — your premiums will not increase!* Without this protection, if you are a six-star driver and have an at-fault loss, your driving record may change to a five-star rating and your premium may increase 10–15% per year for five years (*Certain restrictions apply).

Car Rental Endorsement
In the event of an accident, you may need a rental car while your vehicle is being repaired. You have the option of purchasing basic rental car coverage up to a maximum of $900 per occurrence. Our enhanced coverage provides a rental vehicle to a maximum of $2,500 per occurrence, allowing you greater flexibility to rent the style of car you enjoy.

Satellite — Driver Assistance that Revolves Around You
When you're on the road and need help, the Satellite program comes to the rescue — anywhere in Canada or the continental United States. Need a tow or a boost? Maybe you've run out of gas or locked your keys in the car. Would unique features such as advice on vehicle maintenance or repair or directions if you're lost be helpful? How about discounts on hotels and car rentals? The Satellite program covers emergencies and more — for just pennies a day. Ask us today about how you can add Satellite to your coverage.

Accident Benefits
The government of Alberta provides a mandatory level of accident benefits coverage upon the issuance of an automobile insurance policy.

Anti-theft Device Program
If your vehicle is less than six years old, you may qualify to have a state-of-the-art ignition disabler installed for only $24.99 (regular retail value $79.95). Once installed, you may receive a discount of 3–5% off the comprehensive / all-perils coverage on your automobile policy. The device will make your vehicle virtually theft proof and save you money on your automobile insurance!

Personal Umbrella
We live in a very litigious world. If you are concerned you may not have enough liability coverage, consider protecting yourself and your family by purchasing personal umbrella, and receive the following:

• Increased liability limits (an additional $1 million to $5 million)
• Additional coverage for automobiles driven outside of Canada or the U.S.
• Coverage for your involvement as a director or officer of a non-profit group
• Peace of mind in case of a lawsuit

You've earned the right to save money on auto and home insurance, so let us help you get the rate you deserve.

Here are just a few reasons to choose Dalton Timmis for your automobile insurance needs
Competitive Pricing
We offer quality insurance benefits at competitive prices and provide a wide range of coverage options and discounts.

Experience
Insuring is what we do. All of our insurance specialists are highly trained and experienced in the complexities of Alberta Insurance.

Aviva Traders, our insurance partner, specializes in group insurance and only group insurance. This singular commitment has enabled Traders General to become one of Canada's largest and most experienced underwriters of group home and automobile insurance, passing group savings on to you.

Claims Service
You trust us to provide you with protection and support in the event you have a claim. We take this trust very seriously. That’s why we provide educators with 24-hour access to experienced claims representatives, and have developed strategic alliances with reputable repair facilities throughout the province to be there when you need us.

Convenience
Our office is open Monday to Friday, 6:30 a.m. to 4:30 p.m., excluding statutory holidays.

HOME INSURANCE DISCOUNTS
We will be happy to provide a complete explanation of these discounts, as all discounts are subject to underwriting criteria.

New Home Discount
The following discounts may be applied to your policy if your home is:

• 0–2 years old — 20%
• 3-5 years old — 18%
• 6-8 years old — 15%
• 9-10 years old — 12%

Mature Citizen Discount
A discount of 10% may apply to any policy where the named insured or spouse is 40 years of age or over. This discount increases to 15% at age 50 and older.

Burglar Alarm Discount
A discount of 5% may apply to any location that has local burglary alarm. A 10% discount may apply to any location that has a monitored burglary alarm.

Fire Alarm Discount
A discount of 5% may apply to any location that has a local audible alarm and is not connected to a monitoring station.

Central Station Alarms
A discount of 15% discount may apply to any location, if the alarm is centrally monitored for both fire and burglary on a 24-hour basis, and a copy of the installation certificate is supplied.

Multi-Line Discount
A discount of 10% may apply to your property policy if you also insure your auto policy with us, provided you have no more than one chargeable loss on any one policy in the past three years.

Claims Free Discount
A 15% discount may be applied to the policy where there have been no claims for the past three years.

Mortgage Free Discount
A 20% discount may be applied to all homeowners and condominium unit owners that are lien or mortgage free.

Loyalty Discount
A 5% discount may be applied to a policy which has been in force with a prior carrier for 5 years or more. Another 5% discount may be applied to a policy that is renewed with Traders for 5 years or more.
Note: There is no maximum discount allowance.

Optional home enhancements:

Dolce Vita Home Insurance
Are you a homeowner or condominium owner with a higher-valued property? Dolce Vita Home Insurance reflects your lifestyle and the way you live with value-added protection including:

• $2 million liability protection
• A decreasing deductible for every claim-free year
• Full replacement cost with no obligation to rebuild your home or replace your contents (without deduction or depreciation) after a loss
• Coverage extensions at no additional cost including sewer back-up, earthquake and by-laws coverage

Identity Theft Insurance
Protect your most valuable possession – your identity. For $35 a year, you can add Identity Theft Insurance to your property insurance policy and receive the following protection:

• Increased coverage ($15,000) for your credit card / automated teller card
• Coverage for identity theft to a maximum of $15,000 (for costs such as legal fees, registered mail costs, long distance telephone charges and lost wages)
• Access to a credit card registry hotline notification service to block card use
• Access to assistance from qualified professionals via a legal assistance helpline

Personal Umbrella
We live in a very litigious world. If you are concerned you may not have enough liability coverage, consider protecting yourself and your family by purchasing Personal Umbrella, and receive the following:

• Increased liability limits (an additional $1 million to $5 million)
• Additional coverage for automobiles driven outside of Canada or the U.S.
• Coverage for your involvement as a director or officer of a non-profit group
• Peace of mind in case of a lawsuit

Home Business Protector
If you run a hobby or home business, you will need additional insurance coverage not included in your property insurance policy. The Home Business Protector offers coverage for:

• Theft or vandalism to business contents such as stock, tools and equipment, exterior signs and landscaping
• Business income, accounts receivable, valuable papers and records and professional fees
• Commercial general liability covering products and your completed operations

Other Risks and Alternative Choices for Insurance Coverage
Dalton Timmis recognizes that certain items or situations do not fall within a standard property insurance policy. We have a dedicated team that can help you to place these sometimes hard to find coverages. We can work with you to provide protection for:

• Watercraft, boats, Seadoos, personal watercraft and their trailers
• Snowmobiles
• All-terrain vehicles
• Short-term storage
• Vacant homes
• Buildings under construction
• Special event requirements such as a liquor license and hole-in-one coverage for golf tournaments