What does Canadian Direct Insurance (Alberta) Auto SEF CDI 1 Travel Protection cover me for? US Rental Cars?

Renting a car in the states, have collision, liability etc on my policy along with these SEF's. Do I need to buy any coverage in the states? SEF CDI 1, 2 and 3, SEFs # 18,20, 23A, 27, 35, 37, 44What does Canadian Direct Insurance (Alberta) Auto SEF CDI 1 Travel Protection cover me for? US Rental Cars?
SEF 27 is legal liability coverage for damage to non-owned vehicles. This information is from an Alberta government website.


Why has your insurance broker not explained the coverages, which should all be listed by name in your policy, not just number?


As a retired Manitoba broker, I can tell you I never let a policy holder leave without having an explanation of the basics of his policy. I can also tell you it went in one ear ona out the other for many people. More than once the signature on the application was used to protect brokers from accusations that limits or charges for optional coverages were never explained. This is the problem with on-line coverages. 9 times out of 10 the person on the phone is not licenced at all, which is why you are occasionally referred, right at the end, to a licenced broker, or, more often, the person is only a level 1 broker, working in a boiler room with several level one brokers, under the supervision of a level 2 or 3 broker.What does Canadian Direct Insurance (Alberta) Auto SEF CDI 1 Travel Protection cover me for? US Rental Cars?
CDI is a direct writing company, which means they sell insurance over the phone or via the web directly to the public. The chances of a CDI representative being a part of Yahoo Answers is pretty much zero. Since the majority of us who answer here are brokers, and would not have access to CDI wordings, the only way you're going to get an answer is to call CDI and ask them. While this should have been explained to you when you purchased the policy direct writers are not really service oriented. Their goal is to write as many policies as possible as quickly as possible, so unless you ask the person you talk to on the phone isn't really going to volunteer much information as they have to move on to the next call. An insurance broker is all about service. When you walk into their office (imagine that! a real office!) it's their opportunity to shine and the way they do this is to make sure you walk out with as much knowledge as possible. So on your next renewal remember: it's not always about price.