High Theft Vehicle
Discount and Surcharge FAQ

Do you have a question that has not been addressed in this FAQ? Please speak directly to a member of Unica's Personal or Commercial Underwriting teams.

  1. Which vehicles are subject to the High Theft Vehicle Surcharge?
    Policyholders with any model type of the following high theft vehicle(s) currently insured with Unica:
     
    • Acura RDX
    • Dodge Durango
    • Dodge Ram 1500
    • Honda CRV
    • Jeep Gladiator
    • Jeep Grand Cherokee
    • Jeep Wrangler
    • Land Rover Discovery
    • Land Rover Range Rover
    • Lexus RX
    • Toyota Highlander
       
  2. What is the Tag Tracking System?
    Developed and manufactured in Canada, Tag offers an affordable anti-theft solution that operates independently of a vehicle’s battery, making it much more difficult for thieves to dismantle, providing peace of mind to your clients.
    Click here to learn more about the Tag Tracking System.

  3. What is the cost of a Tag device?
    Unica offers a discount of $100 off the $399+tax installation price when a Tag device is installed at any Speedy Glass location in Ontario. Promotional pricing subject to change. 

     
  4. Can a Tag device be installed anywhere other than Speedy Glass? 
    Yes, however, Unica's promotional pricing will not be available.

  5. Where can a policyholder have a Tag device installed?
    Book an appointment directly with a Speedy Glass service center. To find the nearest location, visit speedyglass.ca. 

  6. What do policyholders need to bring to their installation appointment? 
    Their Unica pink slip is required and must be presented at the time of their appointment.

  7. Will affected policyholders receive a notification? 
    Policyholders will receive a communication 90 days prior to their renewal date outlining the vehicle(s) subject to a high theft surcharge, how it can be removed, and any discount being applied. 

  8. What if a policyholder chooses not to install a Tag device? 
    An annual $500 High Theft Vehicle Surcharge applies to any vehicle identified above. 

  9. What if my client already had a Tag device installed prior to becoming a Unica policyholder? 
    The $500 surcharge will not be applied, and our Theft Recovery Discount will be applicable. The insured must provide a Tag Certificate to their Broker to receive the Theft Recovery Discount.

  10. What is the Theft Recovery Discount?
    The Theft Recovery Discount is applied to the policyholder's insurance policy, removing the $500 High Theft Vehicle Surcharge. A 10% discount is applicable to: Comprehensive, Specified Perils, and Comprehensive portion of All Perils. 

  11. What happens if the policyholder’s Tag-protected vehicle is stolen? 
    The policyholder should contact the police immediately and report their vehicle stolen. The police will provide them with an event number to be used when reporting the theft to Tag. Tag will initiate the tracking and recovery process. Additional information can be found on Tag's website. After first contacting police and Tag, insureds should contact Unica's Claims department to report the loss and seek additional guidance. 

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Information provided here serves as a general guideline only.
Please refer to the policy wordings for full coverage details or speak with your Underwriter.
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