Toll Free: 1-866-683-8870

Alberta Auto Products

Motorcycles and Motorhomes

Guardian Risk Managers is implementing product changes on our Auto products in Alberta. Binding authority for Renewal and New Business transactions is temporarily reduced from 60 days to 30 days in the future.

More information will follow regarding the product changes.

Guardian Risk Managers Ltd. Wildfire Notice

This is an alert to notify you of Guardian Risk Managers Ltd.'s position on accepting new business in areas affected by wildfire.

We will not accept any New Business risk within the following area of an active wildfire:

  • Protected - within 50KM
  • Semi-Protected - within 50KM
  • Unprotected - within 50KM

Please contact one of our underwriters if you have any questions or concerns about this matter. Please note that we will not decline to renew existing business due to a wildfire.

The B.C. Government has a very informative website for details on the current wildfire situation. The web address is

Please note that this information is subject to change. Please check back frequently for any updates.

Flooding – Suspended Binding Authority

Due to the increased flooding in the Southern Interior including the Similkameen, south Okanagan, Kamloops, and Kootenay Boundary regions, Guardian is suspending binding authority in these areas.

Effective immediately we are suspending all binding for new business and endorsement value increases for existing business for areas where there is a:

  • flood evacuation order, warning or alert; or
  • flood watch; or
  • high stream advisory

The BC River Forecast Centre website provides a detail list of the rivers / areas included in the above.

Please contact or call 1-866-683-8870 if there are any questions.


Effective Date: April 1, 2018


+5% increase in base rates, Owner Occupied risks only. No other changes.


+5% increase to the Urban territory


+5% increase on Budget and Peace of Mind forms; +10% increase on Supreme form

Hail Protection Discounts have been eliminated

Minimum policy premium increased to $200

Guardian Risk Managers is pleased to announce the launch of our improved Recreational Vehicle product offerings! Our updated product offerings include:

  • Increased Personal Property limit
  • Increased Emergency Expense Coverage
  • Increased coverage for Fire Department Charges

We have maintained our 3 product types to suit your client’s needs, while adding beneficial coverages to many of the product types such as:

  • Glass & Windshield Repair
  • Bicycles
  • Frozen Food
  • Golf Carts
  • Power Generators & Solar Energy Equipment
  • Watercraft
  • Pet Injury
  • Reward coverage

Please ensure to review the amended policy wordings to familiarize yourself with which coverages are applicable to each product type, as well as familiarizing yourself with the new coverage limits. New policy wordings can be found in the MyGuardian section of the portal.

If you have any questions, please contact our Personal Lines Department by phone or email.

A new way to pay with Guardian Risk Managers Ltd.

We are pleased to announce a new Monthly Payment Plan (PMP) effective April 1, 2017. This will allow your clients additional options and flexibility in paying for their Guardian policies, and provide our broker partners with an added benefit service.

Benefits of Guardian PMP:

  • Low minimum policy premium to qualify for PMP ($250)
  • Your clients can save time and money with the ease of automatic billing from their bank account or credit card

Ways to pay:

  1. Pre-authorized monthly payment plan
  2. Onetime payment in full through most major credit cards or cheque

Please visit to find our FAQs for our new payment options or visit our payment options page.

Updated Manufactured Home Valuation Guidelines

For Replacement Cost and Guaranteed Replacement Cost:

  1. Finished Living Area - $100 per square foot
  2. Finished Garages, Sheds & Workshops - $50 per square foot
  3. Finished Decks & Patios - $25 per square foot
  4. plus $10,000 (single wide) or $20,000 (double wide) for debris removal, transportation and site setup

Minimum Building Limits:

  • Single Wide $30,000
  • Double Wide $50,000

Manufactured Homes Value Estimates

Type Size Width Length Square Feet ACV Estimate RC & GRC @ $100/sq ft*
Single Wide Small 12 40 480 $30,000 or higher $58,000
Medium 14 54 756 $40,000 or higher $85,600
Large 16 68 1088 $50,000 or higher $118,800
Double Wide Small 24 40 960 $60,000 or higher $116,000
Medium 28 54 1512 $80,000 or higher $171,200
Large 32 68 2176 $100,000 or higher $237,600

* In some cases values will be higher based on quality of construction and transportation costs to remote locations. Please consult with a reputable manufactured home dealer or manufacturer for a complete estimate for Replacement Cost.

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Tel: 1-844-531-1841