Additional Living Expenses: What you need to know

A paper receipt

Definition of the ALE coverage

If an Insured Peril makes your dwelling unfit for occupancy, or you have to move out while repairs are being made, we insure any necessary increase in living expenses, including moving expenses incurred by you, so that your household can maintain its normal standard of living. Payment shall be for the reasonable period of time required to rebuild or repair your dwelling or, if you permanently relocate, the reasonable time required for your household to settle elsewhere.

Example

The ALE covers anything over and above your normal expenses. For example, if your family cooked meals at home and you are staying in accommodations where you are able to cook meals, the cost of food would not be covered as this is a normal expense. If you were unable to cook meals and had to eat at a restaurant the increase/difference in expense would be covered.

Remember…

Please track your expenses, keep receipts and check with your adjuster on coverage before you incur expenses or purchase something.

For more information about the Additional Living Expenses (ALE), please contact your broker, your Aviva adjuster or call 1 866 MYAVIVA (692 8482).

The content in this article is for information purposes only and is not intended to be relied upon as specific professional or expert advice. Aviva Canada accepts no responsibility for action taken as a result of reliance on any information contained in this article.

Copyright in the whole and every part of this site belongs to Aviva Canada Inc., unless otherwise indicated, and may not be used, sold, licensed, copied or reproduced in whole or in part in any manner or form or in or on any media to any person without the prior written consent of Aviva Canada Inc.