Employees of Construction Association of Prince Edward Island member companies. Eligibility runs through employment rather than personal membership, so if the company you work for is a CAPEI member, you qualify. Where the insurer permits it, coverage can extend to a spouse and to dependants living in the same household. We confirm employment during the quote and that is the whole verification process.

Only the price. Group programs are a rating arrangement, not a separate product. You choose the same coverage forms, limits, deductibles and endorsements you would choose buying on your own, and the group rate changes what those choices cost. If anything, group members tend to end up with better coverage rather than less, because the saving creates room to raise a liability limit or add a water endorsement that was previously being skipped on price.

There is no single number, and anyone quoting one without seeing your file is guessing. Group programs in Canada publicly advertise savings of up to fifteen per cent, and some run to twenty-five. What you actually see depends on your existing rate, your claims history, the insurer the file lands with, and which of the standard discounts you already qualify for. The group rate is the starting point, and bundling, claims-free, alarm, water mitigation and vehicle discounts apply on top of it.

Yes, and it is worth getting the quote either way. Cancelling mid-term can attract a short-rate penalty from your current insurer, so the arithmetic is simply whether the saving over the remaining term exceeds that penalty. Often it does not, and the right answer is to quote now and set the change for your renewal date. We will tell you which of those two it is rather than pushing the change.

Your policies do not disappear. The group rate is reviewed at your next renewal, and if you are no longer with a CAPEI member company we re-rate the file, which may mean moving to standard pricing or to another program you qualify for. Let us know when your employment changes so the renewal is handled properly rather than discovered late.

No. Group home and auto is a voluntary personal benefit. Premiums are paid entirely by the individual, there is no payroll deduction for the company to administer, and the member company carries no part of the cost and no part of the risk. It costs a CAPEI member company nothing to have the benefit available to its people.

Considerably more than the minimum. Prince Edward Island’s statutory minimum third party liability is $200,000, which is less than half what Nova Scotia requires and among the lowest in the country. A single serious injury claim will pass it without difficulty, and anything above the limit is yours personally. We quote one million and two million as a matter of course, and we recommend an SEF 44 family protection endorsement alongside it, because a $200,000 province is full of drivers carrying exactly $200,000.

Usually, but it needs to be rated as business use rather than commute. Driving to one fixed workplace and home again is a commute. Moving between client sites through the day with tools aboard is business use. Hauling materials, towing work trailers, running a vehicle titled to the company, or carrying goods for compensation moves you onto a commercial auto policy. The statutory conditions require you to notify your insurer of any material change in the risk, and undisclosed business use is exactly that.

Not by the auto policy. Comprehensive coverage responds to damage to the vehicle, not to the contents. Standard home and tenant wordings carry a special limit for business tools, commonly $2,500 to $5,000, and in most forms that limit applies only while the tools are at your residence. Tools taken from a work van or a job site fall outside it. If you carry meaningful value in tools, the answer is a tool floater or contractors’ equipment policy, and we can arrange one alongside your personal lines.

Yes, and this is the most common gap we find. Guaranteed replacement cost is conditional: the insurer generally requires the home to be insured to one hundred per cent of the replacement cost they calculate, that you accept the annual indexation of that limit, that you rebuild on the same site, and that you report work that increases the home’s value beyond a set amount. Skip the notification and a settlement can fall back to the figure printed on your declaration page. Renovation disclosure is the single most valuable five minutes in a CAPEI home and auto insurance review.

Not by default, and coastal flooding is not covered at all. A base policy excludes flood, surface water, ground water and sewer backup outright. Sewer backup and overland water can be added back by endorsement, and roughly ninety-four per cent of Canadian homes are now eligible for overland water coverage nationally. Storm surge and coastal flooding are the exception that matters here: they are excluded and, unlike overland water, they are not available by endorsement. That is why so much of Hurricane Fiona’s true cost on the Island sat outside the insured figure.

DCPD has been mandatory in Prince Edward Island since October 2015. It means your own insurer pays for damage to your vehicle, its contents and your loss of use to the extent you are not at fault in a collision with another vehicle, no matter who insures the other driver. It does not replace collision coverage. If you are partly at fault, that share runs through your collision deductible, and if you hit something that is not another insured vehicle, DCPD does not respond at all. It is also not no-fault insurance: fault still affects your rating.

$9,659 for accidents occurring in 2026, up from $9,526 in 2025. The cap limits damages for pain and suffering on injuries defined in the Insurance Act as a sprain, strain or whiplash-associated disorder that does not result in serious impairment, and it is indexed to the Island consumer price index each January by the Office of the Superintendent of Insurance. Injuries outside that definition, including fractures, are not capped, which is another reason we push liability limits well past the $200,000 statutory minimum on every CAPEI home and auto insurance quote.

Us. Enrolling in CAPEI home and auto insurance makes Stanhope Simpson your broker, not just the source of a quote. Mid-term changes, renewal reviews, re-marketing when the market moves, and claims all run through the same office, and you are dealing with people in Atlantic Canada rather than a call centre queue.