SEF3 is the drive government automobiles endorsement. This endorsement can result in an additional premium being charged. There is usually a stated limit for the value of the vehicle.

With this endorsement the Insurer agrees to indemnify the Insured against the liability imposed by law upon the Insured or assumed by him under any contract or agreement for loss or damage arising from the use, operation, care, custody, or control of any automobile, including its equipment, owned by the Government of Canada or by the government of any province thereof and resulting from bodily injury to or death of any person or damage to property, or from loss of or damage to such automobile.

This is the insurance answer for protection to the Insured, not the Government while the insured is driving these vehicles.