Automobile Insurance Questions

Are CCGA vehicles, owned or leased by the CCGA, covered by the CCGA insurance policies?

CCGA Automobile insurance policies currently cover CCGA owned or leased vehicles in Ontario, Québec, Newfoundland & Labrador, New Brunswick and Nova Scotia if these vehicles have been reported to the insurer. CCGA owned or leased vehicles in British Columbia are required to be covered to a minimum $2,000,000 combined single limit each accident by mandatory Provincial government insurance provided through the Insurance Corporation of British Columbia (ICBC).

Are CCGA members vehicles insured under the CCGA insurance program while traveling on official CCGA business?

No, CCGA members vehicles are not covered by the CCGA insurance policies while traveling on official CCGA business. Members are legally required to have their own vehicle insurance. Members are encouraged to inform their vehicle insurers that they use their vehicles for CCGA business.

Are CCGA members personal vehicles covered by the CCGA insurance policies while towing a CCGA vessel during an Authorized Activity?

No, CCGA members vehicles are not covered by the CCGA Automobile insurance while towing a CCGA vessel during an Authorized Activity. Members are required to have their own personal motor vehicle insurance. At no time are CCGA members personal vehicles or personal trailers covered by the CCGA insurance policies.

What is the insurance coverage if a CCGA member is authorized to participate in a search and rescue (SAR) tasking or prevention activity and tows a CCGA owned vessel with his own personal trailer and own personal vehicle?

The liability for the Authorized Activity in which the CCGA member is involved is covered by CCGA insurance. The CCGA owned vessel is covered by CCGA insurance. The liability from operation of the members own vehicle and trailer, as well as damages to the members vehicle and trailer, are not insured by the CCGA insurance policies and insurance for these is the responsibility of the member.

What is the insurance coverage if a CCGA member is authorized to participate in a search and rescue (SAR) tasking or prevention activity and tows his own vessel with his own personal trailer and own personal vehicle?

The liability for the Authorized Activity in which the CCGA member is involved is covered by CCGA insurance. The members enrolled personal vessel is covered by CCGA insurance. The liability from operation of the members own vehicle and trailer, as well as damages to the members vehicle and trailer, are not insured by the CCGA insurance policies and insurance for these is the members responsibility.

During an Authorized Activity, if a CCGA vessel or trailer strikes another vehicle, building, etc. while being towed, is this covered by the CCGA insurance policies?

If a CCGA owned or leased vehicle were towing the trailer or vessel, the CCGA Automobile insurance policy would respond to automobile claims. If the accident involved a members vehicle towing the trailer or vessel, it would be handled through the members personal automobile insurance.

Are CCGA members insured as occasional drivers if they drive CCGA owned or leased vehicles?

Yes, CCGA members are insured for liability under the CCGA Automobile insurance as occasional drivers as long as they have a valid driver´s license (not suspended, etc.) and they have CCGA permission to drive the vehicle. CCGA members should not use these vehicles for personal use. It should be noted that each province has it own particularities with respect to automobile insurance and its applicability, for example in Ontario the Accident Benefit coverage will be provided by the insurer of the driver´s own policy and not by the insurer of the automobile being driven.

Are there any restrictions on CCGA owned or leased vehicles when carrying pyrotechnic distress flares?

Although there are no restrictions under the CCGA Automobile or Commercial General Liability insurances for the storage or transportation of pyrotechnic distress flares, transportation of flares by CCGA members is not permitted under Coast Guard policy and is not an Authorized Activity. Transportation of Dangerous Goods (TDG) regulations would apply to transportation of pyrotechnic distress flares.

Are CCGA members insured under the CCGA Automobile insurance while driving Government of Canada vehicles on a CCGA Authorized Activity?

Government of Canada owned or leased vehicles are NOT covered by the CCGA Automobile insurance policies. CCGA members should contact the federal government department concerned to ensure that their interests are protected while driving Government of Canada vehicles. Also, please note that CCGA members are not permitted to use Government of Canada credit cards for automobile daily rentals.

Are Government of Canada employees insured under the CCGA Automobile insurance driving CCGA owned or leased vehicles?

Yes, Government of Canada employees are insured for liability under the CCGA Automobile insurance as long as they have a valid driver´s license (i.e. not suspended). Driver´s license numbers are provided to the CCGA insurance broker and insurers for individuals who regularly drive CCGA owned or leased vehicles. It should be noted that each province has it own particularities with respect to automobile insurance and its applicability, for example in Ontario the Accident Benefit coverage will be provided by the insurer of the driver´s own policy and not by the insurer of the automobile being driven.

Is it possible to purchase insurance coverage for members personal vehicles while the member is traveling on authorized CCGA business?

No, it is not. At no time are CCGA members personal vehicles or personal trailers covered by the CCGA insurance policies. This type of coverage is not normally purchased by volunteer organizations for its members.

Are CCGA members insured while traveling to and from Authorized Activities or taskings in their own personal vehicles?

Yes, CCGA members are covered under the CCGA Group Accident insurance while traveling to and from Authorized Activities in their personal vehicles. However, the members vehicle is not insured, nor is any injury or damage caused by the members vehicle. Members vehicles must be insured under the members personal automobile insurance.