ALBERTA'S STANDARD AUTOMOBILE POLICY (SPF 1)

If you operate a motor vehicle in Alberta, you are legally required to carry motor vehicle insurance. The Standard Automobile Policy is governed by provincial legislation, and therefore the basic terms and conditions are the same for all policies.

The mandatory level of Section A coverage is $200,000. However, most people choose to increase that coverage to at least $1,000,000 or $2,00,000 to ensure they have enough coverage in the case of multiple claims from one incident, or very serious injuries to people in the other vehicle/s, where $200,000 may not be sufficient to cover all claims. 

There are three sections of the policy: ​

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