Q: What is a Not-at-Fault loss?
A: A Not-at-Fault loss includes vandalism, theft, hit and run, and other losses for which you were not held responsible.
Other related Questions:
Q: Are your rates usually cheaper?
Q: Can I transfer my no-claims status to another person?
Q: Can TD Insurance Meloche Monnex insure boats, RVs or ATVs?
Q: Can you explain the “lifetime” warranty on body parts for repairs made at one of your recommended garages?
Q: Can you offer a quote for a car that I own outside of Canada?
Q: Could you give me some details on All Perils coverage?
Q: Could you name some Driving Infractions?
Q: Does getting married affect my insurance rates?
Q: Does my annual odometer reading affect my policy?
Q: Does my family also benefit from special rates because I’m a member of a professional association?
Q: Does my no-claims record change if I change my insurance?
Q: Does my no-claims record change if I get a new car?
Q: Do I have to insure both my car and my home with your company in order to have discounts?
Q: Do you insure classic cars? Are there special rates for classic cars?
Q: Do you offer 2-year coverage, or any kind of protection against increasing rates?
Q: Do you offer group rates?
Q: How does my deductible affect my insurance rates?
Q: How long does it take after an accident or a driving infraction to regain a clean record?
Q: I am a member of a professional association, but the owner of our vehicle is my spouse. Does the discount still apply?
Q: I am a member of a professional association. Should I mention this?
Q: If I have a clean driving record, am I entitled to a discount?
Q: If my car is in an accident, will you come to my place to appraise the damages?
Q: I have a car and a motorcycle that I want to insure with you. Am I entitled to a multi-vehicle discount?
Q: I have another policy with TD Insurance Meloche Monnex. Am I entitled to a discount?
Q: I have taken a driving course. Am I entitled to any discounts?
Q: I’m a member of a roadside assistance program; does that affect my coverage?
Q: Is the Collision or Upset coverage subject to a deductible?
Q: Is there a limit to the number of discounts I am eligible to receive?
Q: I was a member of a professional association but I am not part of it anymore. Am I still entitled to a discount?
Q: My spouse was a member of a professional association. As a widow, am I still entitled to a discount?
Q: Should I mention my employer's name?
Q: What are Specified Perils and what do they include?
Q: What are the restrictions of the Loss of Use option while my vehicle is being repaired or replaced?
Q: What are your business hours?
Q: What does Business Use mean?
Q: What does Driving to Work mean?
Q: What does it mean, and how does it affect my rates, if I’ve been refused or cancelled for insurance in the past?
Q: What does Registered Owner mean?
Q: What does the word spouse mean?
Q: What does V.I.N. stand for? Where can I find it?
Q: What do you mean by Principal Driver?
Q: What exactly is the difference between a minor and a major ticket?
Q: What happens if I leave my employer or professional association?
Q: What is an At-Fault accident?
Q: What is Comprehensive Coverage and what does it protect you from?
Q: What is Limited Waiver Depreciation and its eligibility criteria?
Q: What is the difference between Collision or Upset Coverage and Comprehensive Coverage?
Q: What is the maximum coverage I can have on my vehicle?
Q: What is the Purchase Price?
Q: What kind of discount can I have if I insure both my vehicle and home with your company?
Q: What kind of discount can I have if I insure more than one vehicle with your company?
Q: What types of optional coverage do you offer?
Q: Why do you need to know how many people drive my vehicle?
Q: Will my information be kept confidential?