Canadian Accredited Insurance Broker (CAIB) Two Practice Exam

Which is NOT a condition of the Locked Vehicle Warranty?

1. Access to the vehicle must be authorized

2. Doors must be securely locked

3. Window must be closed

4. Visible evidence of forced entry is required

The correct answer is: Access to the vehicle must be authorized

The Locked Vehicle Warranty typically includes conditions designed to establish the necessary security measures that must be in place for coverage to apply in case of theft or damage to the vehicle. Among these conditions, securely locking the doors, having windows closed, and providing evidence of forced entry are standard requirements. Each of these conditions contributes to ensuring that the vehicle is protected against unauthorized access. The condition stating that access to the vehicle must be authorized, however, is not a standard requirement for the Locked Vehicle Warranty. It implies that someone must explicitly have permission to enter the vehicle, which is not typically a criterion in theft-related coverage conditions. Rather, the focus is on the state of the vehicle itself rather than the authorization of access by individuals. Thus, it is correct to identify this as not being a condition of the Locked Vehicle Warranty.