Professional Documents
Culture Documents
Order of The Lieutenant Governor in Council: Province of British Columbia
Order of The Lieutenant Governor in Council: Province of British Columbia
Order of The Lieutenant Governor in Council: Province of British Columbia
Lieutenant Governor
On the recommendation of the undersigned, the Lieutenant Governor, by and with the advice and
consent of the Executive Council, orders that
(a) the Revised Regulation (1984) under the Insurance (Motor Vehicle) Act, B.C. Reg. 447/83, be
amended as set out in the attached Schedule,
(b) sections 26 (b) and (c) and 27 of the attached Schedule come into force on December 2, 1985, and
(c) the remaining provisions of the attached Schedule come into force on January 1, 1986.
This part is for the records of the Office of Legislative Counsel, and is not part of the Order. ) 9
Authority under which Order is made:
2. Section 2 is amended
(a) in paragraph (a) by striking out "or" at the end,
(h) in paragraph (b) (ii) by striking out "certificate." and substituting
"certificate, and", and
(c) by adding the following paragraph:
(c) a trailer while being drawn otherwise than by vehicle power
or human power.
8. Section 15 is amended
la) by striking out "a record of',
lb) by adding "hy the corporation" after "is used", and
lc) by striking out "the same record" and substituting "the same
payment".
2
Position on claim•rated scale
19.1 ( ) Where application is made for a new certificate for a vehicle,
the corporation shall determine, in accordance with section 12.1, the step
on Table 4 of Schedule 1 that applies to a vehicle as though the applicant
had been insured with the corporation for the 7 years preceding the date of
application.
(2) Where application is made for a renewal certificate for a vehicle,
the step on Table 4 of Schedule 1 that applies to the vehicle is
(a) one step below the step for the previous year, where no
chargeable claim payments have been made in respect of the
vehicle during the one year scan period and the step for the
previous year was higher than step 60,
(h) step 100, where no chargeable claim payments have been
made in respect of the vehicle during the 3 year scan period
and step 100 is lower than the step the vehicle would be at if
paragraph WI applied to it,
Icl 3 steps above the step for the previous year for each
chargeable claim payment made in respect of the vehicle,
where one or more chargeable claim payments have been
made during the one year scan period.
3
information provided in the declaration of entitlement and any additional
information provided by the applicant. ,
(c) in subsection (4) by striking out everything before paragraph (a) and
substituting "Where the corporation is unable, from the information
provided in the declaration of entitlement, to determine the step or
where an interim determination has been made under subsection
(3.1), the corporation shall" and
(d) in subsection (4) (a) by adding "and of the principal operator of the
vehicle" after "of the applicant".
18. Section 26 (11 (a) is amended by striking out "claim payment record"
and substituting "position on Table 4 of Schedule 1".
6
(a) being convicted under the Young Offenders Act (Canada) for
contravening a provision mentioned in the definition of "motor
vehicle related Criminal Code offence" or section 237 (b) or
238(5) of the Criminal Code, and
(b) a conviction or a similar result made in a jurisdiction of the
United States of America under a law similar to the Young
Offenders Act (Canada) for contravening a provision of the law
of that jurisdiction that is mentioned in subsection (8) (b) (iii),
(c) or (d);
"motor vehicle related Criminal Code offence" means an offence
under section 203, 204, 233 (1) (a), 236 or 237 (a), 239 (2) or (3) or 242 (4) of
the Criminal Code that arose out of or was related to the operation, care or
control of a vehicle or was committed by means of a vehicle.
28. Section 65 (2) is amended by striking out "or" at the end of paragraph
(b), by striking out "delivery." at the end of paragraph (c) and substituting
"delivery, or" and by adding the following paragraphs:
(d) the motor vehicle is in fact not licensed under the Motor
Vehicle Act, the Commercial Transport Act or similar
legislation or another jurisdiction and the insured does not
have reasonable grounds to believe the motor vehicle is
licensed, or
le) the motor vehicle is exempted under section 44 or 45 of the
Act.
7
(d) by adding the following subsection:
(2) Where an accident occurs in the United States or on a vessel
travelling between Canada and the United States, no benefits are payable
under this Part to
(a) a cyclist, or
(b) a pedestrian
who is not named in an owner's certificate or a driver's certificate.
8
(i) jointly to the parents, if they were living together at the
time of the child's death or if though living separate and
apart at that time, one parent had care and control of the
child and the other was contributing regularly to the
support of the child, or
Gil to the parent who had care and control of the child at the
time of his death, if the parents were living separate and
apart at that time and the parent who did not have care
and control was not contributing regularly to the support
of the child, and
(h) where only one parent survives, to that parent if, at the time of
the child's death, that parent had care or control of the child or
was contributing regularly to his support .
38. Section 10412) (a) is amended by adding ", subject to sections 80 to 88,
90 and 92 of this Regulation," after "as if".
39. Section 106 (2) is amended by striking out "an insured claim." and
substituting "that part of a claim that is paid or payable as an insured
claim."
9
(2.21 Notwithstanding paragraph (61 (ii) (Al of the definition of
"insured", no coverage is provided under underinsured motorist protection
to an insured who is the occupant of a vehicle that is in fact not licensed
under the Motor Vehicle Act, the Commercial Transport Act or similar
legislation of another jurisdiction, unless the insured has reasonable
grounds to believe the vehicle is licensed.
10
(ii) to report to any person under a provision of the law of
another jurisdiction in Canada or the United States of
America that is similar to a provision mentioned in
subparagraph (i),
if the insured, without reasonable cause and to the prejudice of
the corporation, has not complied with the applicable
provision.
11
AC
x loss) — deductible = claim
T.V.C.N'.
where
means the amount of comprehensive or specified perils
coverage purchased by the garage service operator;
"T.V.C.V." means the total value of all customers' vehicles that are in
the care, custody or control of the garage service operator when the loss or
damage occurs;
"loss" means the cost of repairing those customers' vehicles to which
loss or damage has occurred, or, where the vehicles arc not repairable, the
actual cash value of the vehicles and their attached equipment:
"deductible" means the deductible amount applicable to the
comprehensive or specified perils coverage.
"claim" means the amount of indemnity payable by the corporation to
the garage service operator for the corporation's portion of the loss or
damage.
12
51. Table I of Schedule 1 is repealed and the following substituted:
SCHEDULE I
TABLE I • BASIC PREMIUMS
(Section 4)
13
51. Table I of Schedule 1 is repealed and the following substituted.
SCHEDULE I
TABLE I • BASIC PREMIUMS
(Section 4)
13
NOV.12. 1985 I N SURANCE CORPORATIO 4 Ot BRITI54 COLUMBIA PAGE
1 9 8 6 nAsic rmumiums
RATING Iroultnolts
027 93 91 93 93 93 93
028 153 153 153 153 153 153
029 73 73 73 73 71 73
030 91 91 91 91 91 91
031 12 12 12 12 12 12
032 12 12 12 12 12 12
033 12 12 12 12 12 12
034 12 12 12 12 12 12
035 12 12 12 12 12 12
044 81 81 81 81 81 81
045 30 30 30 30 30 30
050 364 297 316 297 297 316
060 87 87 87 87 87 87
NOV. 17. 1985 INSURANCE CORPORAIION OF BRITISH COLUMBIA PACE 1.3
1 9 8 6 Uncut-. PAimiumS
RATING II Mt I OR I T5
RATE CLASS
PATING TIRRITORIFS
19
(a I on not more than 4 days in a calendar month to or from or part
way to or from a place of work or a school, college, university
or other educational establishment, or
(b) on not more than 4 days in a calendar month for business
purposes, if the total mileage for those purposes in a policy
year does not exceed 1600 km.
(2.1) Subsection (2) (b) applies also in respect of a vehicle rated in
vehicle rate class 002 ,
(d) by repealing section 2 (3) and substituting the following:
(3) Notwithstanding subsection (2) (a), a parent of a child of school
age may, without breaching a condition of section 55 (2) (a), operate,
without restriction on the number of days, a vehicle rated in vehicle rate
class 001 to carry his child and, at the same time, any other children of
school age to and from the school in which his child is registered or school
activities conducted within the educational program of that school. ,
le) in section 2 (4) by striking out "an insured who is",
If) by repealing section 2 (5) and substituting the following:
(5) Where a registered owner or a member of his household owns or
leases 2 or more motor vehicles or trailers, each of which is correctly rated
according to the principal use of the motor vehicle or trailer, the
registered owner or a member of his household may, without committing a
breach of the insurance applicable to the lower rated vehicle,
(a) on not more than 4 days in a calendar month, use a lower rated
vehicle owned or leased by the registered owner or a member
of his household in place of a higher rated vehicle owned or
leased by one of them, and
(b) use a lower rated vehicle owned or leased by the registered
owner or a member of his household in place of the vehicle
owned or leased by one of them that is both principally used
and insured in a rate class that requires payment of a larger
annual premium than for any other vehicle owned or leased by
the registered owner or the member of his household, if
l it the registered owner or the member of his household
places the vehicle that requires payment of the larger
annual premium in the rate class that covers the highest
risk, and
Iii ) at any one time only one lower rated vehicle is used by
the registered owner or a member of his household for the
higher rated purpose. , and
(g) by repealing the Vehicle Use tables and substituting the attached
tables.
20
w.„„ "" .1D Iti ■LAci... 1..17* VI 0 pArL
Mao. Haft.
VEHICLE USE
PM. Rale
cues caw
NOTE: Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outside British Colum-
bia is in excess of 50%.
1,1TF ISM IIJ !sof P51.1
r1 i
VEHICLE USE January 1 19136 VEHICLE USE tiff
Rate
VEHICLE USE Class
Farmer 011
Fisherman 050
NOTE: A farmer or fisherman who is engaged in an additional occupa-
tion, and whose vehicle is also used to drive to and from a place
of employment, must be rated in Rate Class 002
Rats
VEHICLE USE Class
Rate
VEHICLE USE Class
NOTE: Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outside British
Columbia is in excess of 50%
A,11.11. I' I., IIK I ,1■ 1 ,, I 1 ,14 I rwr
Rate
VEHICLE USE Class
Delivery or movement of any goods /equipment of owner, principal operator or
others. and includes: small parcel delivery; courier service; fast food service; mail 013
delivery
Me Rah
Class Class
Delivery or movement of Goods/Equipment of
owner or principal operator:
Boat moving tow truck, 222 272
Cement, clay or stone, or cement, clay or stone products, 228 278
Explosives or radioactive materials. 230 280
House and other moving tow trucks, 224 284
Livestock, horses, or meat, 221 281
Mobile canteen, 223 -
Petroleum or propane products, 227 277
Steel or other metals, 229 279
Travelling amusement park vehicle; 223 283
Other than above specified goods 223 283
NOTES: 1) Delivery vehicles under contract to one person or firm, for one month or more, where the
vehicle hauls exclusively under contract to that person or firm, shall be rated In the same
rate class that would apply if the vehicle were owned and operated by the person or firm to
whom the vehicle was contracted.
2) Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outside
British Columbia is in excess of 50%.
t
Rale
VEHICLE USE Class
Religious bus use (Conditional Factor — RP) (Not to be used for school purposes)
NOTES: 1. Territory Z (A) Rates must be used for vehicles for which the percentage of mileage out-
side British Columbia is in excess of 50%.
2. Where the person carrying capacity of the vehicle Is less than 10 the Body Style for Bus
does not have to be used. If the carrying capacity Is 10 or more, the Body Style for Bus
must be used.
VEHICLE USE ' 1 1986
January VEHICLE USE
.=,
BUSES AND TAXIS
Rats
VEHICLE USE Class
Taxicab 215
Taxicab a) Where operation and licencing are in Territory "A" and within the
municipal boundaries of North and West Vancouver. 315
b) Whose operations and licencing are in Territory "A" but not within the
municipal boundaries of Vancouver, New Westminster, Burnaby,
Richmond, North and West Vancouver. 217
School Bus.
NOTES: 1. Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outsIdo
British Columbia is in excess of 50%.
2. Where the person carrying capacity of the vehicle is less than 10, the Body Style for "Bus" does
not have to be used. If th3 carrying capacity is 10 or more, the Body Style for Bus must be used.
R 1, ' tt ■ Ir I MI I:. RI PI 01 I, I \ DI l I I,
Rau
VEHICLE USE ctsgs
NOTE: Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outside Dritish
Columbia is in excess of 50%.
SI hilt DUI IsSl II. lit PL A( 11l 111,11 11∎ PA(1
VEHICLE USE
2
January 1, 1986 I VEHICLE USE
Rats
VEHICLE USE Class
Moped
Pleasure or Business use by owner or principal operator 124
Rented to others — operator of any age 125
Motorcycle
Motor Home
Private use by owner. Use regular rate class with prefix of 5.
NOTE: 1) Territory Z (A) rates must be used for vehicles for which the percentage of mileage outside British
Columbia is in excess of 50%
2) Motorcycle rate classes 651, 652, 653, 654, 655 and 656 where the owner, lessee, or principal
operator is age 65 or over and the vehicle is used for pleasure purposes only, are entitled to a 25%
discount on the base rate
S. I t t 10 Pl1l I ..., INDf l IL) 1.41f
ti TRAILERS
Nab
VEHICLE USE Claw
NOTE: Territory Z (A) Rates must be used for vehicles for which the percentage of mileage outsIds British Columbia
is in excess of 50%.
VEHICLE USE January 1 1986 VEHICLE USE 2;
"'`EMERGENCY MOTOR VEHICLES
JUMP TRUCKS
Rale
VEHICLE USE Class
EMERGENCY VEHICLES
Paid Fire Department Vehicle (including a private passenger motor vehicle).
3,700 kg GVW or less 141
Over 3,700 kg GVW 241
MISCELLANEOUS VEHICLES
Rate
VEHICLE USE Class
Hearse 146
Truckster type three wheeled vehicle (any GVW), used for service work bearing 030
commercial number plates that is used by a municipal government.
Wrecker (tow car) (any GVW) (Only where reg. owner purchases a
Comprehensive Garage Policy). 071
Cement mixer (over 3,700 kg GVW) 073
Woodchip hauling. (over 3,700 kg GVW) 072
Oil and gas exploration vehicle. (over 3,700 kg GVW) 074
Logging truck (over 3,700 kg GVW) 075
Driving school vehicle (over 3,700 kg GVW) 223
Road building machine, tracked unit 231
Road building machine, wheeled unit 232
Industrial machine 234
Government of Canada; Federal Crown Corporation 019 -
Extra Province Undertaking 919 -
Vehicles operated with number plates (vehicle types 1, 2, 3, 4, 5 8 6) issued in 800 ...
conjunction with a Comprehensive Garage Policy which provides
coverage for "owned vehicles."
54. Table 4 of Schedule I is amended by striking out "Step 65" and "65%"
and substituting "Step 60" and "60%" respectively.
56. Table 7 of Schedule I is amended by striking out from the title "AND
RETAINED" and by striking out "and retained" wherever it appears after
"minimum".
58. Tables 9 and 10 of Schedule I are repealed and the following table,.
substituted.
31
SCHEDULE 1 (Cont'd.)
(Section 40)
RATE CLASS
TERRITORY 001 002 007 011 012 013 050 509 022 024 026 122 124 125
501 602 607
■1111, . —
A $285 $351 $363 $258 $308 $423 $273 4568 $126 $255 $383 $ 58 3 49 $303
233 287 295 210 261 345 223 396 126 256 383 58 49 383
C 248 305 316 224 244 367 237 395 125 265 383 58 49 383
J 233 287 296 210 251 345 223 396 125 255 383 58 49 383
M 233 287 296 210 251 345 223 277 125 255 383 58 49 383
T 248 305 315 224 266 367 237 410 125 255 383 58 49 383
SCHEDULE 1 (Cont'd.)
Minimum Insurance
Premium is 3700
Private passenger vehicles, motor Commercial vehicles with a G V W in Commercial vehicles with a
homes, motorcycles, trailers. excess of 3.700 kg but not exceeding G V W in excess of 9.100 kg
commercial vehicles with a G V W of 9.100 kg
3.700 kg or less
INSURANCE PREMIUMS
Above premiums
are minimum and retained
NOTE:—This certificate cannot be issued for a period in excess of six months. (If the vehicle licence
expires within the six month period, the expiry date of the certificate must be written to coincide
with the expiry date of the vehicle licence).
Minimum Premium
$15.
Basic Insurance:
$200.000 Inclusive Third Party Liability and Accident Benefits
Premium: S37
Above premiums
are minimum retained
PREMIUMS
Oliveto Possoogor or
Comm. VohIclo 3,700 kg OVW
Unlit Trillions on Loss Any Motor VOW*
$ 200,000 $ 71 $ 71 $272
MINIMUM
PREMIUM
$15
Limit $200,000
Premium . $71
MINIMUM
PREMIUM
$15
APV 38 BINDER FOR OWNER'S INTERIM CERTIFICATE OF INSURANCE
••
Over 91 91 91 91 91 91 Third Party Legal $200,000
$100,000. Liability
Accident Benefits
Premiums shown are for any period up to thirty-one days. DO NOT PRORATE .
THESE PREMIUMS ARE MINIMUM RETAINED
APV 44 ANTIQUE MOTOR VEHICLE POLICY 31)
$ 200,000 $22
LIMIT PREMIUM
$ 200,000 $13 First vehicle
$ 4 Each additional vehicle
ABOVE
PREMIUMS
ARE
MINIMUM
AND
RETAINED
.f
Minimurn*Premium
$15.
THIRD PARTY LEGAL LIABILITY INCLUDING ACCIDENT BENEFITS - INCLUDING OWNED VEHICLES
TERRITORY
I I
LIMIT A 8 C J M T
TERRITORY
LIMIT i A T
TERRITORY
LIMIT A B C J 'A T
COLLISION OR UPSET
TERRITORY
DEDUCTIBLE A 6 C J M . T
$1,000 13 10 13 13 13 15
SPECIFIED PERILS
ALL TERRITORIES
LIMIT UMIT
CUSTOMER'S AUTOS PREMIUM CUSTOMER'S AUTOS PREMIUM
ALL TERRITORIES
Repairman 200,000 12
Transporter 200,000 12
43
SCHEDULE 5
Mt APPLICANT INE NEINArTIR CALLED THE INSURED1 APPLIES 10 THE CORPORATION FOR A COTAINTEHENSITE GARAGE PO IC AND THE HATING OvESTIONNAPTE MGT THEP
INF GENERAL PROVISIONS API AC1 ALL ATTACHED RIDERS (NDOITUTAINIS AND THESE DEC AAAAA IONS. FORM PART OF THE POLICY
.1 DA •Oot • WO. 0os •Oot•
• c• DA •
tolth , •1 a.
.7 C C•••• ■■
Nw NM. h NO C.•.41 El
,••I Of CI.CI •
isak. of ..11,4•1 c."0.1C I. co•l. howl L 0100 •,01111C1.0.1.0
I...WT(4 09T
111•MINA••• 111 AN!
TAAMIL•01/11.111015
500•111 ..1.01.7
0081511.61114.41. AAAAAA
.1.
CCANNIAOAL PLATT A II tor
- rowel. 5.0101 01 1.0.0,1101 -
CLASS A
c0.01..11Viis
OOLI• Ike •0 GA.
CLASS C 1
wo 0, SHAH:Hie Pc•Tes
j 1 .0 OA LK
TOTAL
INANIRRAIIS LNG 04 MOS
MO, OAC 'CLIP 011 A
I .. I .
THE .1.1C1.11 IN RESPECT OF WHICH INSURANCE IS TO
BE PROVIDED APE THOSE USED IN CONNECTION MOH
THE INSURED S BUSINESS OF
Sit LOc•v•;..s
••0I• AAA/
0.40111010ASCSO
• I1
P.I. Daus..
C011t ••41 111111.0.11 0101.1C 17. o4A SIC ,.0.) f , •
1C
ut C 00..04 1.1 .1
• 114,11
0••• • ••■••••,•••
IS 4 1 1 I 1
■
••r• • ••• .11 (11./ •111, INOUE At • °C.A.
SALL c
11•10•41.1..5
SYfT c .N+I
•I
111 = I I= I
040CC ol• °CCU..
i I
CO.lG05 OA LOSI •
Si 181 1 1 1 =I I= I1 1 1
SPIC.40 .10.11
TOTAL 06..,
154044.4400ts
API API
WARNING!
3 THE VEHICLES IN RESPECT OF WHICH INSURANCE IS TO BE PROVIDED ARE THOSE USED IN CONNECTION WITH THE INSURED S BUSINESS 06
2Ik ❑ knols....K. 411 ❑ AU10 limulACtust 001,Ce.61LisslOs 701 0 100 CUANIAG /02 0 AM Molly
$00 0 11114 USED Ass70 01410 1020 SCHOOL 1003110611 AUTO S/.0/ 702 0 AU10 CLASS INS1ALLAI10A 103 0 smon (011406)
101 0 6101011:7 C1f DMA SOO ❑ AWL 1 1/161 DWI IKE] stmciou, ,101011 moo /04 0 1I6660I 06(1A1106 'OA 60'
30; 0 AuTONHAISA.11 so. so: 110 ❑ UM AUTO MAO 900 ❑ AUTO 1/1111110 NOM 11100E1 All ASPECTS Of INSUREDS
MINUS MO CIRCLE
LOO 0 01110 GA11:1 INS': 700 ❑ usHEI 7I61136 611 WI 0 AUTO SAiVACI 101 60S PRINCIPAL OPERATION
61
00 TOu MO API AulOPLAN (1(11' YU 0 110 0 U 05 Su1E 11(11 AO
1 1
II 1115 A 611 BUS,MSS 01 h( A 10031106' 'Is 14(, if 'IS A71A00U01O01 01.1S161 SS
7( COVERAGES REQUIRED ■cra.tc ARC W. 00.1 1, 1 11101 /sA11 S 01111,111 IA TOTAL NUMBER & TYPE OF PLATES REQUIRED WITH THIS POLICY
■1,111 •1113, ■111.04 ill . $
Will/
2 U.41 P.SulID 11010141 0001101.0. /ISO .00 01 110/1111A11011 ISM 1 (110110.1‘ ea/ A niAltig Divot
1 01110 111(111
$ (03110,1 111/1111All "1A115151111, •
CPI 1S.O1 -..
CO61111.10S1s1 $ DiDU01,111 1411001111 PlAtIS
II 01101110 Oil ,• 1 01C1X1.1.1 1111111 /MU NW /1371 s
II SP10110 11110S 1101004 11111 1 IX 01011111
CO1111004 ROMS (I /10 014 E•O 011155,
0011061 11 11..1.11
COMM IC* 11.3115 0001 ) IN A( GvIr
mL .S,41 010uClikl
0oom/(.111S111 IIIAN11 11./11 5 11C1 116.111 0111011015,
TISO 000
OA S.110 ■1 11 molotcycli 43115 110 6 ,0 116C *LOIS
1.50
IC% 11,1 01 )710611: 101* 1001110 1011(1 113711
1111(tIS 11 &It 1001.06'.
..,.1.10.111„..„,. 0 0411 011,117111.(115iWOPA UPI 0 /1,11(1/4 01411 ❑ 11D, /0,04 aslo1u 5111(111
REFER TO AGENTS MANUAL VOLUME I. GARAGE SECTION. FORM COMPLETION. BEFORE COMPLETING THIS SECTION. 454
9A [ 00 100 H111 Au. Tival 411+0.31. III ND ognali mum ADD Do .0 mm
YuE) .=1
98 mugs Da pow) Di..., ., I Dug I C D USE A SEPARATE LINE FOR EACH STORAGE AREA VALUE OF OWNED VEHICLES
INHAII ININ HI I.INGIS MI SION C REFER TO MANUAL IF MORE THAN 3 AREAS )INDICATE THE VALUE AT EACH STORAGE AREA FOR EACH CATEGORY)
A INI iC01111 STORAGE
USED VEHICLES DEMONSTRATORS AND/OR
111111 I' Iwil ■DP151,1C X lu,k VA: AREA el NEW VEHICLES
SERVICE VEHICLES
I Mel SI
$ $ $
. 0 RANK II EIA=
EIN "C • 0111 15'
015CINSE CONSTRUCTION/PROTECTIONS
E 0 „,,,,,,..,, in coI,u,;;0,17.,vv:
.., r--,
IJ c.i..y
DESCRIBE CONSTRUCTION/PROTECTIONS
• .,,,,,,,
U ,1.,.4, 05ii /2 on. ,C,
I l.„,0‘
14,11 D. I I,Oua
RAN 11001
I DO NU Mal 'INCAS NUNCIO ANC 1119/100.111000 0 ,IS 0 AO
A HI sat /maws 1•110011,••
ANC oNSAIS NI 11001 0 J•
DOH 114 1111411110.1010 ANC MWIND op, £1,001 ALAN II 1 1L,90101*01LONNIINIIIINI YO YIDIIID 111141001111101 P T.4 PICO PLAA laCILISON 441
12. DETAILS OF LOSSES IF vOU WERE INSURED WITH OTHER THAN IC BC PROVIDE THE FOLLOWING
GINNIDISJITAC• rl rC II 115155*,'
1
4.1
GENERAL PROVISIONS, DEFINITIONS AND EXCLUSIONS
INSURANCE TO THE COMPREHENSIVE GARAGE POLICY
nu...J.., to 'iv..
APV-4C
CORPORATION
[.
.1 Of BRITISH COLUMBIA
MEP ityx.FTER CALLED THE CORPORAliONi
THIS COMPREHENSIVE GARAGE POLICY IS SUBJECT TO THE FOLLOWING GENERAL PROVISIONS, DEFINITIONS AND EXCLUSIONS
IN ADDITION TO THE INSURANCE (MOTOR VEHICLE) ACT AND THE REGULATION WHERE APPLICABLE
These General Provisions, together with the Riders, Endorsements, Declarations and Rating Questionnaire attached hereto constitute the
contract of insurance between the Corporation and the Insured and are included in the expression "The policy - when used herein
1 Additional Insureds
The Corporation agrees to indemnity in the same manner and to the same extent as if named herein as the named insured
tal Under Sections 1 and 3 of the APV.4 in respect of a vehicle not owned by or leased to the named Insured or Such additional
insure:.
(I) every partner. officer or employee of the named assured engaged In the business described In the APV-4, while personally
driving In such business and with the consent of the named insured, and
pi) every partner or officer of the named insured while personally driving, provided that such use is occasional and the vehicle
is in the care, custody or Control of the named insured
(b) Under Sections I and 2 of the APV-4, in respect of vehicles owned by or leased to the named insured
any person or organization legally responsible for the use thereof, if such use is with the permission of the named insured
(Cl Under Section 1 of the APV-4 only, in respect of a vehicle not owned by or leased to the named insured or such additional
insured
(i) the named insured and every partner or officer of the named insured and a member of his or her household while personally
driving any motor vehicle
2 Consent of Insured
No person shall be entitled to indemnity or payment under the policy who operates any vehicle as defined in the policy without
the consent of the named insured, or who is an occupant of any vehicle which is being used without the consent of the owner
thereof, or without the consent, express or implied, of the named insured
4 Audit
The Corporation, through any authorized representative and at all reasonable times, shall have access to the insured's books and
records for the purpose of determining any fact relating M the policy. Any evasion or attempted evasion by the insured in connection
with payment of premium hereunder or any matter relating to the policy shall void the policy and shall be an absolute defence to
any suit or action brought under the policy
5 Vehicle defined
In the policy. the following words have the following meanings)
-owned vehicle- means
(a) any vehicle, including its equipment, as defined for a declared value vehicle in Section 122 o! !hr. Regulation, owned by or leased to
the named Insured in the business stated on the APV4,
(b) any camper or canopy owned by or leased to the named Insured in the business as stated L.i the APV-4,
lc) any vehicle said in the business es stated on the APV-eby the named Insured but not delivered by him to the purchaser thereof, and
(d) notwithstanding Sections 44(1) and 4511) of the Insurance (Motor Vehicle) Act and Sections 2 and 114 of the Regulation any vehicle
that is excluded from the Act and Regulation, which mowned by or leased by the named insured in the business es stated on the
APV4.
but does not include any other vehicle the ownership,see or operation of which is excluded by the general provisions, definitions
and exclusions pursuant to this policy or by the Regulation.
"customer's vehicle" means a vehicle including its equipment, and notwithstanding '4ections 44(1) and 01) of the Insurance (Motor
Vehicle) Act and Sections 2 and 114 of the Regulation a lehicle that Is excluded from the Act and Regulation, owned by another,
(a) while such vehicle Is being towed or pushed by a veh4le driven by the named insured or his partner, officer or employee.
(b) while in the care, custody or control of the insured M the business as stated on the APV-4 for testing, repair, maintenance, ser•
vicing. storage, or parking, or
IC) while held for sale on consignment.
but shall not include a vehicle
U) owned or leased by the named insured or his partner or officer.
hi) sold by the named insured but not delivered by him to the purchaser thereof
6 Vehicles Excluded
The Corporation shall not be liable under the policy (except if otherwise permitted by endorsement) for loss, damage, intury Or death
arising from the ownership, use Or operation of
(al Any vehicle owned by the named insured in COnneCtiOn with or used for the purposes of any business conducted by. or any employ-
ment or occupation tor wages or profit engaged in by. the insured other than as stated on the APV-4, or
Ib) Any vehicle owned by the named insured which is damped or modified for racing purposes, or
11., 4C iNlp,
Ici Any vehicle furnished by tne named insured to any person except.
Ili to a partner, officer or employee active in the business stated in the APV41 for regular or frequent use by such person or
(ii) for the irregular and infrequent use of a vehicle by a person or organization with the permission and consent of the named
insured
(d) Any vehicle owned or leased by the named insured
(i) designed for the bulk transportation of petroleum products or other materials, or
(ii) designed or used for the transportation of more than two other vehicles, or
(iiildesigned for towing and rendering assistance to another vehicle.
This Exclusion (d) does not apply to a vehicle described therein when not being used for the purpose of bulk transportation.
transportation of more than 2 other vehicles, or towing or rendering assistance to another vehicle
le) A mobile home as defined in the Motor Vehicle Act
7. Excluded Uses
The Corporation shall not be liable under the policy while.
(a) the vehicle is rented or leased to another provided that the use by an employee of his vehicle on the business of his employer
and for which he is paid shall not be deemed the renting or leasing of the vehicle to another
(0) the vehicle is used to carry radioactive materials for research, education, development or industrial purposes or for purposes
incidental thereto
(c) the vehicle is used as a taxi, bus or for carrying passengers for compensation or hire or
(dl the vehicle is used
II) for the carrying of goods or materials for compensation, or
(ii) for public road construction, repair or maintenance, or
(iiilas farm Or contractor s equipment on behalf of others for compensation
9 Other Insurance
The policy is subject to the other insurance provisions of the Regulation
11 Additional Agreements
It is a condition Of the insurance provided by Sections 1 and 3 of the APV.4 that every person insured by the policy shall pay or
reimburse the Corporation, upon demand. any amount which the Corporation has paid by reason of the provisions of any statute
relating to automobile insurance and which the Corporation would not otherwise be liable to pay under the policy
12 Reporting
(al On or before the inception date of this policy, the insured shall determine the total number of licence plates to be purchased and to
which this policy is to be applicable and the insured shall declare the number of licence plates so determined on the APV-4 policy,
which number of licence plates shall be used by the Corporation to determine the premium to be paid for coverage under Section 1
Subsections A and C and Section 2 Subsection A of this policy. Thereafter during the term of this policy or any renewal, the insured
shall report immediately to the Corporation whenever the actual total number of licence plates to which this policy is applicable
varies from the number of licence plates so declared on the APV•4 or last previously reported in accordance with this provision, or
as shown as an amended declared total number of licence plates on any renewal form of this policy.
(b) On or before the inception date of this policy, the Insured shall determine the number of persons employed by him and to which
this policy is to be applicable and the Insured shall declare the number of such employees so determined on the APV-4, which
number of employees shall be used to determine the premium lo be paid for coverage under Section I Subsection B and Section 3
Subsection A of this policy Thereafter during the term of this policy or any renewal, the insured shall report to the Corporation
whenever the actual total number of employees to which this policy Is applicable varies from the number of employees declared on
the API/4 or last previously reported In accordance with this provision, or as shown as an amended declared total number of
employees on any renewal form of this policy, such report to be provided within 30 days of the occurrence of such variation
51
INSURANCE SECTION 1 — THIRD PARTY LEGAL LIABILITY, ACCIDENT BENEFITS.
FIRST PARTY COVERAGE AND UNDERINSURED MOTORIST PROTECTION RIDER
INI IIIV$SID .IGVLATIO14 OW.
APV.4 0
CORPORATION enesciiiistoeurisu.io to stoic,.
UNDER IRE .10.04C( !MOO. Vt.CLII ICI o41.1.01/0 CMLED III OUGUL•,,O..
Of BRITISH COWMBLA THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED
cR INAFTEP CALLED THE CORPORATION(
INSURING AGREEMENTS
In consideration of the Rating Questionnaire and Declarations which form part of the policy, but only with respect to the Sub.sectionis) tor
which a premium is specified under Section 1 of the APV-4 and no other, and subject always to the General Provisions, Definitions and
Exclusions of the Regulation pursuant to the Insurance (Motor Vehicle) Act, the Corporation agrees.
III Under Subsection IA of the APV-4 to Indemnify the Insured (11 in accordance with Part 6 Third Party Legal Liability, of the Regulation,
and (o) in accordance with Part 6 for third party legal liability Imposed by law upon the Insured, for loss or damage arising from the use
or operation of a vehicle not owned on whole or in part by or hcenced in the name of the Insured and to pay benefits in accordance witr'
Part 7 Accident Benefits and to compensate the Insured in accordance with Part 10 First Party Coverage of the Regulation.
Provided always that the Corporation shall not be liable under this Sub-section;
a) for legal liability imposed upon any person Insured by this policy for bodily injury to or the death of any partner, officer or employee
of such person whole engaged in the business of the named insured, or
b) for loss or damage resulting from bodily Injury to or the death of any person insured by the policy, or
C) for any amount in excess of the limits stated in Subsection IA of the APV.4
12) Under Subsection 1B of the APV-1 to indemnify the Insured In accordance with Part 6 for third party legal liability imposed by law upon
the Insured for loss or damage arising from the use or operation of a vehicle not owned in whole or in part by or locenced in the name of
the Insured and to pay benefits in accordance with Part 7 Accident Benefits and to compensate the Insured in accordance with Part 10
First Party Coverage of the Regulation.
Provided always that the Corporation shall not be liable under this Sub-section;
a) for any legal liability imposed upon any person insured by this policy for bodily injury to or the death of any partner, officer or
employee of such person while engaged in the business of the named insured, or
01 for lOSS or damage resulting from bodily injury to or the death of any person insured by the policy, or
C) for any amount in excess of the limits stated in Subosertion 113 of the APV.4.
131 Under Subsection IC of the APV-4 to compensate the Insured, in accordance with Part 9. Div 1. Underinsured Motorist Protection, of
the Reguiation
API •D 1011 SE
INSURANCE SECTION 3 — LEGAL LIABILITY FOR OWN DAMAGE COVERAGE
TO CUSTOMERS VEHICLES RIDER
4"■.■ rl O.Ow ■ V , r.l H .s1 ,o.
APV.4F
CORPORATION yeaDl• AC ,
f
Of BRITISH COLUMBIA THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED
IHEREIN4r TER CALLED THE CoRPopoior.,
.44...,
INSURING AGREEMENTS
In consideration of the rating questionnaire and declarations which form part of the policy, but only with respect to the
Sub section(s) for which a premium is specified under Section 3 of the APVP4 and no other, and Subject always to the
General Provisions, Definitions and Exclusions of the Regulation, the Corporation agrees'
(II Under Subsection 3A of the APV.4 to indemnify the Insured, in accordance with Part 9, Div. 2, Own Damage, of the
Regulation for liability for loSS or damage to customer's vehicles caused by collision or upset while in the care,
custody or control of the Insured
Provided always that the Corporation shall not be liable under this Subsection for any amount in excess of the actual
cash value of the customer's vehicle at the time of damage, not exceeding the actual cost to the Insured
121 Under Subsection 3B of the APV.4 to indemnify the Insured, in accordance with Part 9, Div. 2, Own Damage, of the
Regulation for liability for loss or damage to a customer's vehicle caused by any cause other than by collision while in
the care. Custody Or Control of the Insured
Provided always that the Corporation shall not be liable under this Subsection
al tor any amount in excess of tne limits stated in Subsection 3B of the APV.4, or
b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not ex•
ceeding the actual cost to the Insured, or
Cl lor loss or damage from the theft from any open lot or unroofed space owned, rented or controlled by the Insured
except theft of an entire vehicle, or
dl for any transmission and/or other mechanical damage resulting while a vehicle is being towed
131 Under Subsection 3C of the APV.4 to indemnify the Insured, in accordance with Part 9, Div. 2. Own Damage, of the
Regulation for liability for loss or damage to a customer's vehicle caused by specified perils while in the care, custody
or control of tne Insured
Provided always that the Corporation shall not be liable under this Sub-section'
a) for any amount in excess of the limit stated in Sub-section 3C of the APV-4, or
b) for any amount in excess of the actual cash value of the customer's Vehicle at the time of loss or damage, not ex•
ceeding the actual cost to the Insured, or
Cl lOr loss or damage from the theft from any open lot or unroofed space owned, rented or controlled by the Insured
except theft of an entire vehicle
(4) The following Insuring Agreement applies to Subsection 3A, 38 or 3C of the APV41
The policy affords own damage coverage to a customer's vehicle for loss or damage caused by a vehicle described in
paragraph 6 of the -General Provisions, Definitions and Exclusions" of the policy, except a vehicle that is carried in or
upon another vehicle owned or hired by the Insured that is either Ii) designed as a vehicle carrier or (it) carrying more
than two vehicles.
DEDUCTIBLE CLAUSE
Each occurrence causing loss or damage Covered under Sub-section 3A and 38 of the APV.4 shall give rise to a separate
claim except that in the case of Subsection 3A, the Corporation's liability shall be limited to the amount of loss or
damage in excess of the deductible amount as stated therein, and in the case of Sub-section 3B, If the total of the
deductible amounts applicable in respect of each vehicle lost or damaged arising from one occurrence totals to an
amount that is more than the deductible specified in Sub-section 38 of the APV-4 as applicable to each Occurrence
causing loss or damage to more than one vehicle, the Corporation shall be liable for the amount by which the total loss or
damage arising from one occurrence exceeds the deductible amount specified as applicable to loss or damage to more
than one vehicle caused by a single occurrence. Furthermore no deductible amount shall be applicable to any loss or
damage caused by a peril specified in the definition of Specified Perils Coverage in Part 1 (1) of the Regulation, other than
to the theft of a part or parts of a vehicle.
AGREEMENT OF INSURED
The Insured agrees that in the event of loss or damage for which indemnity is provided by this Rider the Insured, If so
required by the Corporation, will replace the property or make the necessary repairs at the actual cost to the Insured
513
bL,141,1h LEGAL LIAbILITY y UR OWN UAMAL.t CUVERAGE
Li
IINJIJICHALL AP V -4F j
10 CUSTOMERS orVEHICLES RIDER
- S., 4.• •
CORPORATION to to t to
Of BRTT151-1 COLUMBIA THIS RIDER FORMS PART OF THE POLiCT TO WHICH Ir is ATTACHED
HER ix.An Ea CALLED THE coe00eA1ioNi
INSURING AGREEMENTS
In consideration of the rating questionnaire and declarations which form part of the policy, but Only with respect to the
Sub-section(s) for which a premium Is specified under Section 3 ol the APV-4 and no other, and sublect always to the
General Provisions, Definitions and Exclusions of the Regulation, the Corporation agrees: — --
• - —.•- • — -
(1) Under Subsection 3A of the APV-4 to indemnify the Insured. In accordance with Part 9, Div. 2, Own Damage, of the
Regulation for liability for loss or damage to customer's vehicles caused by collision or upset while In the care.
custody or control of the Insured
Provided always that the Corporation shall not be liable under this Sub-section for any amount in excess of the actual
cash value of the customer's vehicle at the time of damage, not exceeding the actual cost to the Insured.
(2) Under Sub-section 3B of the APV-4 to indemnify the Insured. In accordance with Part 9, Div.2. Own Damage, of the
Regulation for liability for loss or damage to a customer's vehicle caused by any cause other than by collision while In
the care, custody or Control of the Insured.
Provided always that the Corporation shall not be liable under this Sub-section:
a) for any amount in excess of the limits stated In Sub-section 3B of the APV-4, or
b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not ex•
ceeding the actual cost to the Insured, or
c) for loss or damage from the theft from any open lot or unroofed space owned, rented or controlled by the Insured
except theft of an entire vehicle, or
CI) for any transmission and/or other mechanical damage resulting while a vehicle is being towed.
(3) Under Subsection 3C of the APV-4 to Indemnify the Insured, In accordance with Part 9, Div. 2, Own Damage, of the
Regulation for liability for loss or damage to a customer's vehicle caused by specified perils while In the care, Custody
or control of the Insured.
Provided always that the Corporation shall not be liable under this Sub-section:
a) for any amount In excess of the limit stated In Sub-section 3C of the ARV-4, or
b) for any amount In excess of the actual cash value of the customer's vehicle at the time of loss or damage, not ex-
ceeding the actual Cost to the Insured, or
c) for loss or damage from the theft from any open 101 or unroofed space owned, rented or controlled by the Insured
except theft of an entire vehicle
DEDUCTIBLE CLAUSE
Each occurrence causing loss or damage covered under Sub-section 3A and 3B of the APV-4 shall give rise to a separate
claim except that In the case of Sub-section 3A, the Corporation's liability shall be limited to the amount of loss or
damage In excess of the deductible amount as stated therein, and In the case of Sub-section 3B, if the total of the
--dediactiblelirrioiinis applicable In respect of each vehicle lost or damaged arising from one occurrence totals to an .
amount that Is more than the deductible specified In Subsection 3B of the APV-4 as applicable to each occurrence
causing loss or damage to more than one vehicle, the Corporation shall be liable for the amount by which the total loss or
damage arising from one occurrence exceeds the deductible amount specified as applicable to loss or damage to more
than one vehicle caused by a single occurrence. Furthermore no deductible amount shall be applicable to any loss or
—aimicie caused by a peril specified in the definition of Specified Perils Coverage In Part 1 (1) of the Regulation, other than
to the theft of a part or parts of a vehicle.
AGREEMENT OF INSURED
The Insured agrees that In the event of loss or damage for which Indemnity Is provided by this Rider the Insured, If so
required by the Corporation, will replace the property or make the necessary repairs at the actual cost to the Insured
INSURANCE SCHOOL GARAGE ENDORSEMENT
APV-4AB
CORPORATION ppiscp,atoPuRsuANT TO SECTION 150 Oc THE REVISED REGULATION 1464 ,
UNDER THE INSURANCE 14070A VEHICLE) ACT 1HEREINArTER CALLED THE REGULATION)
Of BRITISH COLUMBIA
1HERE)N AFTER CALLED THE CORPORATION)
ARON
THIS ENDORSEMENT FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED
IN CONSIDERATION OF THE PREMIUM PAID, IT IS UNDERSTOOD AND AGREED THAT THE "GENERAL PRO.
VISIONS, DEFINITIONS AND EXCLUSIONS RIDER APV4C" ATTACHED TO THE APV-4 IS AMENDED AS FOLLOWS'
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS,
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT .
IN CONSIDERATION OF THE REDUCED PREMIUM CHARGED FOR THE APV.4, IT IS UNDERSTOOD AND AGREED
THAT THE INDEMNITY PROVIDED UNDER RIDER APV.4D ATTACHED TO THE APV-4 SHALL APPLY ONLY WITH
RESPECT TO AN "IMPLEMENT OF HUSBANDRY" OR "FARM TRACTOR" AS DEFINED IN THE REGULATION,
WHILE BEING OPERATED ON A HIGHWAY.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS,
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT .
IJ
AIN .*C IS
5
INSURANCE BROKER DRIVER ENDORSEMENT
APV•4AE
CORPORATION PPESCfUED PURSUAN, 10 SECTION IV, Of Off AfvISED OliGULATI0N1,11114
UNDf 14 1.f INSLAANCIE IMOTOR ViN,Clei ACT I.EIN(INACTIM CALLED THE MEGULAtiON.
Of BRITISH COLUMBIA
tog;A INACIER Cal a 0 I.( COAPOAA11ON
.
IN CONSIDERATION OF THE PREMIUM PAID. IT IS UNDERSTOOD AND AGREED THAT THE WORD "EMPLOYEE"
AS USED IN ITEM I (a) (1)
OF THE GENERAL PROVISIONS, DEFINITIONS AND EXCLUSIONS RIDER APV•4C
SHALL BE DEEMED TO INCLUDE "BROKER DRIVERS" OPERATING UNDER CONTRACT TO THE NAMED INSURED.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS. CONDITIONS. PROVISIONS
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT
Afoh... Veit. t
FINANCIAL RESTION11411 I III' ('
lOwnerthetture Garrrgr
lowed h,
Night o4 Aerm
This enlifirs lhal
.4
...mowed he the Iwwre t -promo of •fl olomballottiofho tolled OW t copoeohoo.low 1%.ste Shb. &Wm*
oonws11 oewpotooey hohomelhOr i•••••■••■V r rear...a watt dr 1.....eoom Mom. VA.*, ♦.I
ars Ihe 111...d Ilroolohoo (IS) IMMO. 11110$ lb, meows of Ow ogwv•hoo. onsuoollle fe, WARNING
mooed Fresco wok coarrm d.., nos °on..a moo oenolhle r Me cam "Molly to
.onool of Ow lowed ea She coone of On ol Cs Immune. .war t roworheowor (hers .4 this card are warned dial w IS to be produced only in respect of the
limited use wahcated on the reverse side hereof and only wfule the policy
Pity N. ny the t I tut h .11,0IJA
referred So hereon ts in force. Failure to comply with this nanung, may kad
t .r.n.r ■ •__ to fore• or Imprisonment.
Owed the doh..1 T hos ■ and h yahtl only when mgnal ore ot the driYer and tinier-, lieener number
are erkkwsed upon the revere oak hereof.
--sowos..4-oith.Thoo— Oho. . Car.. • 410
.n • Oh. elOWIWOCIF CORPOItlafl001 or 801,16W C011.1/101111111
- _ - — — - —
Province of INSURANCE
BMWs Columbia
MOTOR VEHICLE DEPARTMENT
[' CORPORATION
OF 1111115HCOLVAIIIA
-NOTOR VEHICLE ACT "COMMERCIAL TRANSPORT Acr -INSURANCE (MOTOR vEncLE I ACT"
OF
COMPANY NAME OR
NUMBER
SuANA
STREET
L -D
ryAri
CITY OR TOWN
—1
GIvEN NAME'S)
POSTAL CODE
TO OPERATE THE FOLLOWING DESCRIBED MOTOR VEHICLE OR TRAILER
FROM C Tg BC
ADORESS ADORE SS
COMMERCIAL TRAILER
COLL/MON GCMa/MOL. • 11X0
•••■...1 ' MAUR' • • ' MOD COMEMENSIVE
Apcthce•tor 10 hereby made Du'llullel to lei Insurance Nowt Veritclel Act and the 1400000
Peq , /aeon ,19641 letcePt *hem Centhcate of F'ranc'a' blesbonsPtitty has been Ned stoth IM
S, rtt tepee., a' M=10 , venues 1 0, a' Gene's Cethficire of Insto.nc c wde respect lo •
16. vrh.ce D. ItAtrt obetalec tst7 a let7ipotot, 0981111.0r, 8.0 10 Mode
insurance pursuant to Patt 6 ilhod PAM, PortT IACcodent Bentfoist Pan 9 D.. 2
, 0.- Damage? of the Rooted Reguiohoe 11961, unitlet Me Insurance (Moth, Verhclet Act tn
."•' `, ''" " • '• to *NO'. P1em.Ln hat bet da.c 0 1.,
',or .ri r ■ •+>. cc...toot le tn lOtct Somtage .5 as lovas"
.•
-.. MP Ofha1. Pass. 'lc Motorcycle It9 h./ or Con metctal rentcle
type na..ng a gross wetri Of 3 ?OD kg of less cOtretege shat' Deaf 0,0v.0•0 by the
Pa/ sec tfemost.on 119114, Pan it etn.rd Pan. legit ltat.ltlyt Ittntte0 to $200000
,,,Cus•vo- tot., COTO, Si'. higher DISC ,1804.1.0 hr Iasi and Pitt 7
lacccer • (lee' s' ts mo.cated Or the ,11.•el$. anC .1 00,14,nai vv.," pad
cb/etap. ,s p mosttart to Pan 9 D.. 7 'Don Dan.amt. t.m.tect to $150000
slibtect to a 080uCle04. arno,,nt Of $100 apo.cabto 10 Cott son and subleCI to a
clea.cht,t, amount 01 1100 aponcoble to Comotem. ns./e t hud Party SegaIL.Ib.1.1,
1,mki mar 0. 1' 000 000 .1 tn.:Pc/ten or me tmetse and 11001a0.8:
(1,..10m 7i"
D I r • .1..0 r sver0.1 01 fibre 1.81, 3 ?Cr, tql L.,• not
etteec,n9 9 ID, coyeta9e sns., be as ptm.clec Dy 164 ttmtsett Pegoatton (1964i
Pat. 6 aht10 Petty legal Losbatty) turmoil to S200 000 Acilist.0 tor smcncomposory
h•gner bestc brntt tisowtre0 by too l Part 7 liorctcleht Byttelas, a .sec oleo or Ise
riot's. and It odo.lional pentium pa77 C0111810 ts ro..cted {•,•11.•8',1 to Part 9
D.. 2 10.n Damage , 'untied to St 50 000 slitt/ect to a dr •orTtp. ro 1500 00
applicabie to C01111.0n and subtoct 10 11 dedt.C1.04 afechlet Of 9156 applicsoie to
Comptehenstye 'thud Pony Legal L111b$11ty Irma May be eornoec to $1 000 OW a
mCbcantd on the tenets, and aC)dmonat premium ea 0
ICI For motor .*roues KIWI a gross ...rt. etevr• 0, mete mar 9 10C •g ccottage
111 11' be as C1,01.000 by Ilse Romeo Recommon 119641 Pan 6 ITN.° early Legal
Llebrlyt Iemled 10 $200.000 incittimt tor such CO.pu110ty 1111,1H basic Ilnat
teoutte0 by Ia.) and Part 7 tAtodont Bonen', a tntbcotra On the rt eeeee and .1
itootttonsi preenty., plod• cows°e to frov3.c to Part 9 D. 2 10*. Damage;
tondo° to 1150 000 smbiost to a deductible amount 01 61 Oat) aPphcabl. to Coniston
and sublect to a Ooduct.ble amount Of 1150 00 11CC, cab.. to ComPrenenbre 717.rd
Party 1.00810800dy Irma may Os *Mohan, 10 $I WO 000.1 um.cateo on lee Wye, Se
and 110d■liOnS1 pfMneurn paid
proy.tbobs ot poragrapho (Att Si or 'CI 1.8 Corporator snail
. 1•401*,1.14,10ing 1.00
not mdothroy the Owner or an Operator lot damage 10 that yetucio pascubod In fh.$
perms Whet OWSUOMI to &Khoo Ito of the Pe.isect begutabon 119641 the
losuranCe Of Iii velsKet r5 eseNmeo and asempta0 from Ina OPorattOn and
Pompons of Part 9. CM 2 of the Rommd Rogulalion 119641
Foes and premiums shown on Om roves* ate mourn," and telstneD Inst.tance uncle Me
0.mets, Gethltcale Cl Insurance hereby Ocethed 101 .1 'semis and any Gine, said and
slita,sta‘m insurance in ail cases SOOI.Cab* 10 10. ren'Cle 04141080 nllem she be primary
Tn. Cow:est.°n may terminate C0.411110e untie, trot OWN'S Cen•fiCale 01 Insurance put want
to What SS 01 Ma RomorM Regulation 11964;
This applcabon when valKletect On the 'mime cont•trns Ternpotaty Opetahon Penn.' and
Insurance Comtage ore fo force for the Slam motor yetucte or trotter and Me Owner
and Or 008.1101 m &Cordons* *In the Iamb MI Out 1,11Itm and putsuorit 10 In 1.1010,
VeeKfle Act Me Commercial TrOnWOn Act and Me Moutons* WOW,VoluCtib Act and IM
Roytsoct Rogulabon OW)
J
611
.ce of [I INSURANCE
U British Columbia
1
I MODEL ISTTLE r IA
PERMIT EXPIRES
ICC' NINC11140TIOCIATI
ON
_L ;poop,' 01 Mut
1°40'0,1,
I I TYPE OF VEHICLE PERMIT INSURANCE
MMUS,
PERMIT PEE
FEE $
s INSURANCE PREMIUM
PRIVATE PASSENGER
I
$ OPTIONAL OVA DAMAGE
! TRAILER OR MOTOR CYCLE
If
1--, — ___L_
UNLADEN COMMERCIAL VEHICLE OPTIONAL i1. in Pair
I .710.
3.700 kg G v Vv OR LESS I $
, --4 --•
UNLADEN COMMERCIAL VEHICLE TOTAL AmOUNTPA
OvE P 2 7CC Is G VV.
r- : PRIVATE PASSENGER
$300 COLLISION
IS100 COMPREHENSIVE
.---4-
I : TRAILER OR MOTOR CYCLE I $300 COL LESION
I
i
I
UNLADEN COMMERCIAL VEHICLE
IS100 COMPREHENSIVE
IstoN
$300 COLLISION
3.700kg G V W OR LESS I $100 COMPREHENSIvE
UNLADEN COMMERCIAL VEHICLE MO COLLISION
G VW
3.701-9.100 kg INCLUSIVE. PSO COMPREHENSIVE
UNLADEN COMMERCIAL VEHICLE 81 000 COLLISION
OVER 9 IOC kg G V W I$150 COMPREHENSIVE
I OPTIONAL INCREASED LimITS UP TO SI 000 000 • ++ t +s +4. ADDITIONAL
INCL PART 6 THIRD PARTY LEGAL LIABILITY At
♦..titt
FEES E PREMIUMS ARE NOT REFUNDABLE
NOT VALID FOR PURPOSE OF TRANSFER OF REGISTERED
OWNERSHIP. NOT VALID FOR LOADED COMMERCIAL VEHICLE
NOT VALID BETWEEN THE HOURS OF 9 P.M. AND 9 A.M.
I HEREBY APPLY FOR A PROSPECTIVE PURCHASER AND VEHICLE OWNER'S TEMPORARY TESTING AND DEMONSTRA
TION PERMIT AND OWNERS CERTIFICATE OF INSURANCE, SUBJECT TO ALL THE TERMS AND CONDITIONS SET OUT
ON THE REVERSE HEREOF
TEMPORARY TESTING
AND
DEMONSTRATION PERMIT
C,1• . , • - J .
I Pe
e 74
BRITISH COLUMBIA •
PERMIT CONDITIONS
NOT VALID BETWEEN THE HOURS OF 9 P.M. AND 9 A.M.
TO TOR MIPPRINTINDIINT Of MOTOR vimican. IncTomiA. S.0
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10 APPLICANT IN SIGNING TNIS APPLICV00% YOU AGILE TO ATTACH THIS RATE ONLY TO THE TOPE OF vETPCLE. INDICATED BELOW! R CORRECT VEHICLE TYPE.
TR AILER or [ 12 PRIVATE PASSENGER OR COMMERCIAL V( MICLI G VW 3703 AG OR LESS OILS OR 31 ANY MOTOR VEHICLE
WHEN VALIDATED UNDER THE MOTOR VEHICLE ACT OR COMMERCIAL TRANSPORT ACT. AND
UNDER THE INSURANCE IMOTOR VEHICLE! ACT AND REGULATION THIS DOCUMENT IS A
VEHICLE LICENCE AND CERTIFICATE OF INSURANCE IN ACCORDANCE VAIN THE TERMS
AND CONDITIONS SET OUT IN THIS APPLICATION CONFIRMING THE INSURANCE COVERAGES
AND LIMITS OF LIABILITY SHOWN ABOVE WHICH IS IN FORCE PROM THE EFFECTIVE DATE
UNTIL THE 101150 DATE SHOWN ABOVE UNLESS EARLIER CANCELLED. SUSPENDED OR
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MANUFACTURER'S LICENCE AND CERTIFICATE OF INSURANCE
f •• 0 7,1 r.
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APPLICANT EVERY LICENCE CERTIFICATE 0 INSURANCE AND NUMBERPLATE ISSUED IN CONJUNCTION MTH THIS DOCUMENT IS SullACT TO CERTAIN RESTRICTIONS, IMITATIONS AND
CONDITIONS POW SPECIFIC INFORMATION ON THE LICENCE. CERTIFICATE Of INSURANCE AND PLATE TYPE YOU ARE APPLYING FOR. SEE THE REVERSE Of HIS DOCUMENT
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111111100 EOLumem IALIKEM A0CYM111 OP 5140AN1
OR
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TO APPLICANT IN SIGNING THIS APPLICATION YOU AGREE TO ATTACH THIS PLATE ONLY TO THE TIME OF VEHICLE INDICATED SELO*. E A CORRECT VEHICLE TYPE,
PRIVA A SSENGER OR COMMERCIAL VEHICLE
MOTORCYCLES I 12 TRAILERS MEI WI ANT MOTOR VEHICLE
71000 50 OR LESS ONLY
= MAO =Oat
PLATE FEE
C.1C• 1110/1 0 01 01(1.1
10111 DECAL NO WRNIOOIIID
PLATE REPLACEMENT
0.1 'COMPLETE PREVIOUS PLATE DETAILS) ❑ FREE ❑ FEE
F COM INC FOLLOWING DECLARATION
Al CO T HE ()ATE OF THIS RUNNER PLATIFOIC•L REPLACEMENT I FOREVER
RELEASE AND OISCNAAGE THE INSURANCE GOA/IOW 4)ta Oe EMMEN COLUMWA
AND THE SUMANIENDL,• DI MOTOR VEHICLES IRO. AL. 1 01101 0 UAS.L 1 T!
ARISING PURSUANT TO THE PM viola NUMBER PLATE/DECAL DESCRIBED ADOVE
DECAL REPLACEMENT
'COMPLETE LOST DECAL DETAILS) D FREE 1:1 FEE
11 IT SUSSIOUEN T LT RECOVERED I WILL NOT USE OR Misr, ITS USE OH ANY CERTIFICATE REPLACEMENT FEE/SUPPORT DOCUMENTATION FEE
OTHER VEHICLE NUT SHALL FORTHWITH SURRENDER IT TO THE SUP/Prep.
DINT OR HIS AGENT TI N COMMIS! (NH! OR UARIUMEE ANN Meat
TYPE 11050 PAW, LEGAL
L4114 4, 1•••1 11, $12.0.0 5 0.0.0 SI 1 L 2
ACC4CM RENEWS
SIGNAL E W APRICANT JAM COArm. smarms DATE Oar D
At Our. aINT ASS be Low 1010 ALMA INIGIAL•T•oal •ICLuDID
COMMA@ War IN
iiiii •■■■• •111.901. do 11.11...all
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TOTAL Ills
AL NOT IN ADDITION TO THE LIMIT Of
" LWOW! UNDER THE COMPREHENSIVE
GARAGE POLICY REQUIRED TO SE ISSUED 81 1.1.11•111 .100.10 =le
TO THE APPLICANT NAMED HEREIN ••• •••••
$ 3
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MMOr TWANYORT AM. AND tAIDIA 114 wMALANCE
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tl T RI01151 ION WARNINGS WeSTRUC TIONS OPERATION OF 1141 DISCRISID of t•K I CON to ACTOR RI GUI • TION NIATINv•IWATIO COviier 1 .11.111.11/111
111 • -1.1,1._ A P.J.:r •.‘ aus:Nts5 REIMAN LT DESIGNED COT uSEDFOR Tut J..CsE r 01.0A •.'
FAo' ',YES,s00.1 AVKIC. MOTIVE FUEL LUBRICATING OIL ANTIAREEZE ON OTs,ER Sna•LAPI FHOOt'C TS as.0
°N • :ET 7 - .F. A'10.1 Tr, faS.A111F. faiLISE Cu ?MS PROV1510a1 CAN ISE11. • IN THE AiiglatTis,n, eNr •1..r
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•••■
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• .7 I.., I • ABovE ADDRESS TO
• ',;:wAt. 42;, SUPERINTENMENT OF ML/TUN VEHICLES
"i'vr •-.)4nel!..3•11.1 PARLIAMENT BUILDINGS.
• :77 - 11 . 1*.SF. 1 a ,-.• •,.%)
Province of INSURANCE
British Columbia CORPORATION
RRIRSH 011m81%
MOTOR VEHICLE DEPARTMENT
110114 4,4 114 TVA,. N Mln
40
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oo roan oft*
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Thb oefertc Me le eabloot to the term sad conditions of the brouter's standard automObite
yolk)
This tervfir t INV Ino Pent ,, Jmel beim *Insured euals1 1.roity fog L00.1y .rtjury and
property damage b) feef on of err overall:3n o' the 'nolo, Which eiecrr ■Lad herein, In an
amount not Sem then 1144 statutory rn.run'Jrn reetuirememe an area Of Gonads
_ WARMING 4,- Any cers7n *la moues or prretupos a card to showier thtre Is In tame a aoucy
of insurance a. indic Wei heroin thil•- le, 01 Meet not to°1‘0,4 is IlabIl'It., a heavy . hne.,10/4/
. . ,,
anonsonment and hig iteanto may pc suspended. •, .
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d
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Le present oethhoM tsi —4 en dispes1114ne■I timilliAlleVirld rileWItapireneir. '.
subanw.lil de EAssenst. :• I' ..104 3 i e34.•• ... I:.■.., . I . . •
INSURANCE
CORPORATION
OF BRITISH COLA
Province of [1]
British Columbia
OWNER'S CERTIrICATE OF INSURANCE CORPORATION
Of BRITISH COUJMILA
MOTOR VEHICLE DEPARTMENT FOR
CENT .c 'CATE NUMBER
HIGHWAY CROSSING PERMIT NO.
INSURANCE (MOTOR VEHICLE) ACT. 'COMMERCIAL TRANSPORT Act- (4 V 0 04y1094T 11[c4rN No
MAKE OF VEHICLE YIN (SERIAL) NUMBER OR UNIT NUMBER WAG FLEET IDENTITY NUMBER
OWNER S NAME
MDI
OWNER S ADDRESS
L
WHEN VALIDATED. THIS CERTIFIES THAT THE VEHICLE DESCRIBED ABOVE AND ANY TRAILERTS) ATTACHED THERETO WHILE OPERATING PURSUANT TO THE ABOVE
NOTED HIGHWAY CROSSING PERMIT IS PROVIDED. BY THE INSURANCE CORPORATION OF BRITISH COLUMBIA. WITH 5200.000 INCLUSIVE LIMITS OF THIRD PARTY
LABILITY INSURANCE AND ACCIDENT BENEFITS INSURANCE COVERAGE UNDER PARTS B AND 7 OF THE REVISED REGULATION (1964) PURSUANT TO THE INSURANCE
1MOTOR VEHICLE) ACT ONLY WHILE THE VEHICLE(S) IS CROSSING A PUBLIC HIGHWAY IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE ATTACHED
HIGHWAY CROSSING PERMIT THIRD PARTY LEGAL LIABILITY LIMIT MAY BE EXTENDED TO SI 000.000 IF INDICATED HEREON AND ADDITIONAL PREMIUM IS PAID
THIS OWNERS CERTIFICATE OF INSURANCE REMAINS VALID ONLY WHILE ATTACHED TO A VALID AND SUBSISTING HIGHWAY CROSSWO PERMIT ISSUED PURSUANT
TO THE COMMERCIAL TRANSPORT ACT
PREMIUMS SHOWN ARE /ANIMAL AND RETA1NED INSURANCE UNDER THIS OWNER'S CERT FICATE OF INSURANCE. NOT VALID
HEREBY APPLIED FOR. IS EXCESS AND ANY OTHER VALID AND SUBSISTING INSURANCE IN ALL CASES APPI ICABLE TO
THE VEHICLE DESCRIBED ABOVE AND ANY TRAILERIS) ATTACHED THERETO SHALL BE PRIMARY THE CORPORATION UNLESS
MAY TERMINATE COVERAGE UNDER THIS OWNER'S CERTIFICATE OF INSURANCE PURSUANT TO SECTION 56 OF THE STAMPED
REVISED REGULATION (1964).
BY
AU THORizED
ISSUING
OFFICE
SIGNATURE OF OWNER OR APPLICANT SIGNATURE OF AUTHORIZED REPRESENTATIVE
mv ) aos
NOT VALID UNLESS ATTACHED TO PERMIT INSURED'S COPY
A"37'R2 65°
BINDER FOR OWNER'S INTERIM INSURANCE
CERTIFICATE OF INSURANCE CORPORATION 6.1
P.( ',AMU.' TO SICT.08. 000r Nit Niv.310 PiOut•TP3N,Illm I MAMA
0.01° THI ACT .HINHArtER CALLED THE RIGuLATONI
1 1 1 I III I 111111111111111111
111111(1111111
404S1 14010 ' " ' ' 1 ' COVERAGE HEREUNDER IS VALID
llll 1
SUBJECT TO ALL THE TERMS AND
111111111111111E11 ll
CONDITIONS SET OUT HEREIN AND
1111111111111111111111111 THE ADDITIONAL CONDITION THAT
THE VEHICLE DESCRIBED HEREIN
c.„1111111111111111 1 1 1 SHALL ONLY BE PRESENTED TO AN
OTSSL4041"
OFFICE OF THE MOTOR VEHICLE
1 iiiiiiiiiiiiiii I I 1 11111 DEPARTMENT OF BRITISH COLUMBIA
FOR INSPECTION AND REGISTRATION.
IT.CONSIDERATION OF THE PREMIUM PAID FOR THIS BINDER AND SUBJECT TO THE TERMS AND CONDITIONS SET OUT HEREAFTER THE CORPORATION AGREES TO
INDEMNIFY THE INSURED IN RESPECT OF THE USE OR OPERATION of THE FOLLOWING DESCRIBED VEHICLE. PURSUANT TO THE INSURANCE IMOTOR VEHICLEI ACT AND
REGULATION WHERE ALL OR PART OF THE PREMIUM PAID FOR THIS BINDER IS SPECIFIED BESIDE THOSE PARTICULAR COVERAGES AND LIMITS PROVIDED ACCORDING TO
THE RESPECTIVE FART OR PARTS OF THE REGULATION AS SUCH COVERAGES LIMITS AND PREMIUMS ARE SET OUT HEREUNDER
$' 1
.•.,.... A... V.V....AL FaVISAM OAK/14",
i
N 81 j i i
FT PINIMum INDEMNITY PURSUANT TO THIS BINDER IS SUBJECT TO THE FOLLOWING CONDITIONS
FAA. ::_1
" C.100 0 t I COVERAGE PROVIDED BY THIS BINDER UNDER PART II THIRD PARTY LEGAL LIABILITY
.1 i I I AND PART E ACCIDENT BENEFITS SHALL BE EXCESS TO ANY OTHER COLLECTIBLE
INSURANCE ON THE ABOVE DESCRIBED VEHICLE
2 THIS BINDER AND THE MOTOR VEHICLE LIABILITY CARD ISSUED HEREWITH ARE VALID
CRC USE ONLY ONLY FOR A MAXIMUM PERIOD Of THIRTY-0Ni 1311 DAYS FROM THE OAT( Of ISSUE
UNLESS A LESSER PERO:01S SPECIFIED HEREIN IN WHICH CASE DNS BINDER IS VALID
ONLY FOR SUCH SPECIFIED LESSER PERIOD
KILO
3 THIS BINDER AND THE MOTOR VEHICLE LIABILITY CARD ISSUED HEREWITH ARE VALID ONLY FOR ONE WAY TRIP Of APPROXIMATELY 11 11 METRES
FROM TO
RCE PT AS OTHERWISE PROVIDED IN THIS BINDER ALL LIMITS. TERMS. CONDITIONS. PROVISIONS. DEFINITIONS AND EXCLUSIONS OF THE REGULATION SHALL HAVE FULL
FORCE AND EFFECT
IN WITNESS WHEREOF. THE CORPORATION HAS CAUSED THIS BINDER TO OE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE OFFICER. KR THE SAME SHALL NOT BE
VALID UNTIL STAMPED AND COUNTERSIGNED BY A DULY AUTHORIZED REPRESENTATIVE Of THE CORPORATION
TIME OP YALIDATON
AM
No0d
S,GN.TuPt DI ,NSV•T C WES1DINI AMP 1.1C1.11/1E OH10E •
HAPPFPNCI COAPOAATION Of COtumIP•
t INVERSE TON PARRINGS , INSTRUCTIONS OPERATION Of ENE DESCRIBED VEHICLE COMMIT 10 ACE OR REGULATION MAT INVALID/1H COVERAGE HEREUNDER
iU
WARNING!
I I I I I I I I I I I I 1 IIIIIIIIIIIII
1111E11111111 111111E111111
■ I
Ci • f Rev . At COW
3 INDEMNITY AFFORDED BY THIS POLICY IS LIMITED TO THE ACTUAL CASH VALUE OF THE ANTIQUE MOTOR VEHICLE IF. IMMEDIATELY BEFORE LOSS OCCURS THE
CONDITION OF THE VEHICLE IS NOT CONSISTENT WITH THE DECLARATION OF THE CONDITION Of THE VEHICLE MADE BY THE INSURED HEREIN
IF REQUESTED BY THE CORPORATION. THE INSURED SHALL GIVE TO THE CORPORATION. OR ANY DESIGNATED OFFICER OR EMPLOYEE THEREOF. AN OPPORTUNITY OF
INSPECTING AND PHOTOGRAPHING THE ANTIQUE MOTOR VEHICLE. IN ORDER THAT THE CORPORATION MAY RE SATISFIED AS TO THE VALUE THEREOF AND UNTIL
THE CORPORATION HAS SATISFIED ITSELF AS TO THE VALUE OF THE ANTIQUE MOTOR VEHICLE BY SUCH INSPECTION AND PHOTOGRAPHING ANY TOTAL LOSS OR
DESTRUCTION OF THE ANTIQUE MOTOR VEHICLE WHICH MAY OCCUR WILL SE PAID ON AN ACTUAL CASH VALUE OASIS
EXCEPT AS OTHERWISE PROVIDED IN THIS POLICY ALL LIMITS. TERMS. CONDITIONS PROVISIONS. DEFINITIONS AND EXCLUSIONS Of THE REGULATION SHALL HAVE FULL
FORCE AND EFFECT
SIGNATURE BY THE INSURED OF THIS POLICY ACKNOWLEDGES ALL THE TERMS AND CONDITIONS CONTAINED HEREIN AND DECLARES THAT THE FOREGOING PARTICULARS
ARE TRUE. AND WHERE IM THE INSURED IN THIS POLICY GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR KNOWINGLY MISREPRESENTS OR FAILS
TO DISCLOSE IN THIS POLICY ANY FACT REQUIRED TO BE STATED HEREIN, OR RBI THE INSURED CONTRAVENES A TERM OR CONDITION OF THE POLICY OF INSURANCE ON
THE REGULATION OR COMMITS A FRAUD. OR ICI THE INSURED WILFULLY FAMES A FALSE STATEMENT IN RESPECT Of A CLAIM UNDER THE POLICY OF INSURANCE OR
THE REGULATION ANY CL Aim BY THE INSURED UNDER THE SAID POLICY IS INVALID AND THE RIGHT Of THE INSURED TO RECOVER INDEMNITY THEREUNDER
mil Of v•DETAT,ON
IS FORFEITED
• of
i Partly Restored.
•If..1 .1, .!, • .1 fr.in-,,n, , Sone hnch ang • • is ^•••'sler1 onllor meChan::,11 40,1
a_t .; C UT* M:“.t too.. tr. cornr..inIn Bode haS not
;my tn,nbrovd‘i lt,n1 I tau.,
6. ExCellent Original:
Oldc• Restoration: Unrestored werucle In em-eh.nt condition reowit
that work, completed Over live only regular maintenance
WARNING!
USE OF THE DESCRIBED VEHICLE (1) BY PERSONS OR FOR PURPOSES
NOT PERMITTED BY THE RATE CLASS SHOWN, OR (2) OUTSIDE BRITISH
COLUMBIA IN INSTANCES WHERE (AI THE VEHICLE IS REGISTERED
AND LICENSED IN ANOTHER JURISDICTION. THE LAW OF ANOTHER
JURISDICTION REQUIRES THAT IT BE REGISTERED ANTI LICENSED
THERE IT HAS BEEN PERMANENTLY REMOVE: FR ,ta THE
PROVINCE FOR MORE THAN 60 DAYS, WHICHEVER COMES FIRST: MAY
INVALIDATE THE COVERAGE UNDER THE OWNERS CERTIFICATE OF
INSURANCE IIF IN DOUBT. PLEASE CONSULT YOUR "MOTORIST KIT
OR AGENT
- -.71!-'4•••*s ••.•
IF YOU HAVE AN ACCIDEN T
, •• ■•1!1,1F. YOUR NEAH-
. al • -KO , 1.1 01.11“7.1 AIM Cc
•• Da '1 ••
D•• t••■Nowt. III!' NO KNOT MuNIII• oNt NO
APVI9
"...N 1 I t I I 1 1 I . 1 1 1, I I
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000016100 1•40010
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i
SH./1.s• NOT
ITS NKOMO AND CNIIF INGUTIN OFFKIN
HAS
W' THI
■ 0‘..60051,,
1
SAME
AUT.00./11)*F.1 S(111,0111 Of 1 1 CORPORATION SY • OW
BE BINDING
14
COUNTERSIGNED
,44
c=47-elei
SION•IVRI Of AGIN, NISICIINTCORPORATOR
INSVOLM•01 060011N, NIICUTNI
OP MITMIOFFICER
N COUJOMM
Sff RE VI ITN FOR WARNINGS/ INSTIMUC TKOS OPfSATIOR OP TIN CONNOR ID VEHICLE CONTRARY TO ACT OR RI GUI AVON MATI INVALIDATEI COVERAGE HI NI UNDER
MOTO* VEHICLE INSURANCS CARD
CANADA anwiimOvwce •
CIPITINCAT IPANSURANCE
AUTOMOBILE RESPONSABILITI
L
Thte cerhfIcele Is whet Is the MN w 00,141111001 el the lwavnbt's stent10111
. 00010101100
policy
fl,, ce'l'los ?hat In* oady nand Siren Is Insured spsinsl liab■lihy. 10e btxnly eNmy end
v .• damage De 11111341 01 the 0011,11110n of ins mot/ eelttete oscrased herem, , se,
amount not des Indy the statutory 01100Thaeh0Q00110011ts In any sops et Canada.
WARNING —,Any person *holm*, or rediagAs a card to shod tad then 1. In /Mat a policy
thattt•ACII as inmested nenan NM I so lid no IA lords 19 EMI* to a Mary. bailantUar
,my,40nritent and on Iteene• Illy be sulper440
Ina ;14 tht, 0 or 111,110 .0 04 Mewed NR: tot prt;duchon Si 01001 01 a4u/1000
env, clemethuhl :/
La yeeseent comsat eel aeaueseed en ellidesleiens M ceadIllane de Is peeps d'assumme
othentabile es l'Assureur.
Ca cen,,,.. a. a.,ef.! Use 4 pvinnno 1.snownie es: anus* CON,.IS tesooNesbetteDou• •
o ■est,es et 0,11IMAQ113 1168 b*.1 dAcoutan! de I useg• Ou seNes4 cieitera. cenlerwelletent
1,..1.., tes tn.h.rhaies eceees par hes tan O assurance en squall Vartout as Canada.
AYEATISSIMIJIT — Ouiealque Anal ou tullesitre tan lei caltihcat coon. peewee tune poke*
O 111SeinC• ,a1P0^11113.tna W enecnyement nut pn en vapour, III ethrosote T uns unieeto,
Pliable Wane lone amend. elfou d•rnensOneternan. at NAIDO4Vori de son porno*. • •
C. oe/tt,cat /yr! dlr. 18444 eons a seiNCu4 usury atm 961/e ordsento COnwa0 plisse
0 asSoal,-.410411.0 a 0O.iCe rape
THE INSURANCE CORPORATION OF INIMSN coma%
WARNING!
11R 2372521
,41.14COMBINED NON RESIDENT COMMERCIAL VEHICLE PERMIT PERMIT IS VALID THE 1911100 INDICATED BELOW BY THE VALIDATION STICRIR NUMBER CONJUNCTION WITH
AND INSURANCE CERTIFICATE .inf
ZIP!Amitts■ OBRE OAr BE ISSUED IN CONJUCTION WIT ( TRA
sv,TH TRAILER
ILER PENN TRAILER
1 /0 0.
i.,,:..... 4' 0•P'1. PE Pavia 010 0.00,1. CP Klall• TEMPORARY MOTIVE FUEL USE
1 .- 2— 3— 4—
SHORT FORM MINIMUM DISTANCE
,..kt ( I WWI AM I. EXPRII AN M Milt Mx I WINO RC 3,
MIKA NG P CP 010CP 111P,f IMMO pall g 100epplp If PV I PP IA
110 TOTAL DISTANCE
RNONI IERS
.0 ,•I %MCP O.
, ■A7111
MINIMUM NON-REFUNDABLE FEE 510 00
...
0144,1010 PM 1 PP al PASPI OP OOPS IA. ,I, OR
EXTENDED TRAVEL PLAN IN PROVINCE
IQI
S POMP la
Pay
..,,..................................... 00,C01 PPP fa ,PC CO MOH
SNAPP laPOIPP.,,
ENTRY
PP PPP
DESTINATION
400.1 SS
TN OF VALIDATION
AM 0
pee 0
PIP, 0, 'PIO 00,10 00 caw
NOT V ILID
AE
1011,101 MO OW 1.1110,0M
•11010•101 COPOP101 P PPM MAP. It C
:.,• • • 0
IN CONSIDERATION OF THE INSURANCE PREMIUM PAID FOR THIS COMBINED PERMIT AND IN-
SURANCE CERTIFICATE BASIC PART 6 THIRD PARTY LEGAL LIABILITY AND PART 7 - ACCIDENT
BENEFITS . INSURANCE COVERAGE IN ACCORDANCE WITH THE INSURANCE (MOTOR VEHICLE)
ACT AND THE REGULATION MADE PURSUANT THERETO, IS PROVIDED BY THIS INSURANCE
CERTIFICATE TO THE REGISTERED OWNER AND DRIVER FOR THE TERM OF THIS PERMIT
WHILE THE DESCRIBED VEHICLE IS USED OR OPERATED ON A HIGHWAY IN BRITISH COLUMBIA
ACCORDING TO THE TERMS OF THIS PERMIT AUTOMOBILE INSURANCE PROVIDED PURSUANT
TO THIS PERMIT IS EXCESS TO ANY OTHER AUTOMOBILE 'INSURANCE COVERING THE
VEHICLEISI DESCRIBED ON THE FACE HEREOF IF A FINANCtAL RESPONSIBiUTY FILING
NUMBER IS NOT SHOWN ON THE FACE HEREOF, THIS PERMIT AND INSURANCE CERTIFICATE
WHEN VALIDATED. IS DEEMED TO CONSTITUTE A FILING UNDER SECTION 91 OF THE MOTOR
VEHICLE ACT AS BEOUIRED BY SECTION 1'1 OF,THE COMMERCIAL TRANSPORT ACT.
SHORT FORM
^
A TAX. AT THE PREVAILING RATE. IS PAYABLE BY THE USER ON MOTIVE-FUEL CONSUMED IN
BRITISH COLUMBIA. WITH A MINIMUM NON-REFUNDABLE CHARGE OF $10.00 FOR THE IN-
DICATED TOTAL DISTANCE TO BE TRAVELLED . .
EXTENDED TRAVEL PLAN:
THE TAX DEPOSIT MUST BE CALCULATED ON A ROUND-TRIP BASIS IF THIS VEHICLE COM-
PLETES LESS THAN THE CALCULATED DISTANCE, THEN A REFUND CAN BE CLAIMED FOR THE
UNUSED DISTANCE UPON SUBMISSION OF SATISFACTORY EVIDENCE.
EXPIRY DATE:
THIS EMBLEM EXPIRES ON THE DATE INDICATED AND- CANNOT BE EXTENDED
REFUNDS
II) ONLY THE PERSON OR COMPANY LISTED AS THE "USER RESPONSIBLE FOR TAX" IN THE EX-
TENDED TRAVEL PLAN TEMPORARY EMBLEM IS ELIGIBLE FOR REFUND.
(2) INVOICES FOR FUEL PURCHASED IN B.C. MUST HAVE THE SELLER'S NAME AND LOCATION
IMPRINTED ON THEM, THE NAME OF THE PURCHASER AND VEHICLE LICENCE NUMBER
MUST BE ON THE INVOICE AND MATCH THAT ON THE TEMPORARY EMBLEM. AND TOE DATE
OF PURCHASE MUST BE WITHIN THE DATES OF THE TEMPORARY EMBLEM.
REFUNDS MAY BE GRANTED FOR UNUSED TAX PAYMENTS BY APPLYING TO THE DIRECTOR,
CONSUMER TAXATION BRANCH, PARLIAMENT BUILDINGS, VICTORIA, BRITISH COLUMBIA.
V8V 2L9 REQUESTS IN WRITING SHOULD BE ACCOMPANIED BY THE APPLICANTS COPY OF
J THIS EMBLEM: AN APPLICANT'S COPY OF A SECOND EMBLEM, IF OBTAINED TO COMPLETE THE
TRIP; COPIES OF FUEL INVOICES IF B C TAX PAID FUEL IS CONSUMED DURING THE TRIP, AND
ANY OTHER PERTINENT INFORMATION
Province of British Columbia
`Motor Vehicle Ad" 'Insurance (Motor Vehicle) Act"
II C ADOollS • C. s00111$
I swo•C„... ellt.0•44■ 01, losSUSANCA Writ St soeStAutel PAC$1411) ortmett RA1( CAASS f•
P61.04 Rook A EuRGNASIO • NO ONANGIAL Etl I NO welksRANCI IS ONACSA110.
MESERINERK r1R 155.0
VW. /Mt ILIPIDWIT0400,0
OE 100100 IFERNGOLI
NON 11 ION AN a 0 VES ININC.A111Prod111
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yawl I ■CCIOINT 111/WitrtS P•111 te IMO Pint1 Coots.04 5$ 11111111001.AtiO1 II RIEGO.SOID
11pERNO.1*0 1E0101i41 PROTECTION •Alin 0 0m11.080 I E
btekse1Nkl ANOvedl 1
rot/ S ONNVON 1 COI OS. E
DAN I
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WARRED RAAul S I KC PRINIEuen IRON% Ml tossoww11116•40 I T01A1
ON saii GROUP NO 111040111.110 11.11111100410 stsa 011Nolow
SUILNICT TO CONDITIONS ON 111■111111
II a fft. c., aisfolemovw tksic NANNE IS NO1 ENOR•NAMIOVI 1NEURANGE COVERAGE NOT VALID
N,,,,, N Nwmocc• op, URI cOaNwastO CSIMP KATI 00 *104111u110% mos INEOPLARKE
csay•scaTI ISO NA*5 VA■10S110 1Ps1 COolodO aoldfcrtg co 111041111Aleis MD UNLESS
wskosm,“ Galt/KAU COIMISIRS 04~44 COVIMSSI AI UT OW seem! Is IN POPO STAMPED CV
EURIA•41 10 lot ENSORANCE 0101014 sil well i SCI .ND SI V1S4 0 it CrA MIMI 1 NMI (00 tai MI AUTHORIZED
a...0 ON ..tow Sy s5 INIKIIKD 01 ?PS 111...0.! 01101010 NM*, IN AGOOROARGE *1184 III
No." smo coftwows co 001 COWN4/1) Gilt 8IP CAVE O. RIONSTRAIION AND INSORANOI ISSUING OFFICE
C14.100[01
HEREOF TO US( AND OPERATE THE VEHICLE oescsitet o IN ACCORDANCE WITH THE
PROVISIONS Of SECTION PO Of THE MOTOR VEHICLE ACT AND THE TERMS AND CONDITIONS
Of THIS Wm; 'CATE Of REGISTRATION AS 6(1 OUT ON THE At VERSE HE REOI AND WHILE
CNSIT L AviNG 014 704( WINDSHIELD THEREOf A STICKER ISSUED PURSUANT TO THIS
CERTitiCATE Of REGISTRATION
NEW PLATE POLICY CHANGE LIE RENEW PLATE POLICY EPPICTIVI DAIS OP CAMMINT POL ,C•
1•01.,• YU. I..
ED ) .S., N•NI Aoconsa MO • I•7 5 Dec. AM AM/1w
I 1
C.I MoCoi
lit'FF11110T1 PAW DAR ltW Y oP HEITAUFADIR LICENCE MATTING MOW MGR HAMER LAP NO
MEW. ••• ao• ON
On '
: 1 1. I- • 1 ' '1 • I1' . - r• 1
PREVIOUS NAME IF AMEND NAME
PUSS WW1 0.5.C.1016.1.0101.01L0510 R. 4.1.•
19 11111111 I l 1 l E 1 11 .1111111
0 14 AA
Al l 1 Y. rtlISI ft/01,01W NINACEININT 01cLARANDN
cOveAAct s
ACC•01.,
Al MA NIOAANO• INCLIJOIO .0:40110 OUNCE IMAM, FEE
= .
DICW. MI
,,g4INNSOND AUMA NIOULANON
boO,ONSI
moICINN.,•••• • D., • 40
COOC• MINIM DP MOLE
00111111111NOI
1 7 1711,
311 NIYiHM /011 w•NNo•Gs N•sfouCTiONS 01411•110N CN 0.E 1NSERISI V1 NIC11 CONIN•N. 10 •C1 OR mic,u, • 1,0N MAP 0.•1 ■ 0 0, 1 COVIbb(.1
nU
a.
....,, SCHEDULE 6
Al."44,E APPLICANT, HEREINAFTER CALLED THE INSURED, BEING THE HOLDER OF A VALID AND SUBSISTING BRITISH COLUMBIA
IVER'S LICENCE. HEREBY APPLIES TO THE CORPORATION FOR A DRIVER'S POLICY AS FOLLOWS
1"OM
999. .9•••• •••• D.• i90.,• MM
1 1 1 I 1 I 1 I 1 1 1 1
1 I 1 I 1 1 1 1 1 I 1 1 1 1 1 1 11 I 1 1 1 1 I
111 1 11111 I 1 1 I I I I I I I I I 1 I
Aboatli Of ININ•lb
I I I 1 1 1 I 1 I I I 1 1 I 1 1 1 1 1 1 1 1 1
M IL I II I I 1111 1 111111111
1 1 1 1 1 1 1 1 1 1 1 1 1 I 1 1 1 1 iiiii
Ty NIOVINT4 POSTAL COO(
1 1 I I 1 I 1 1 1 I ll 1 1 I I 1 1 I
THE INSURANCE SHALL APPLY TO THE USE OR OPERATION OF ANY VEHICLE OTHER THAN A VEHICLE OWNED BY OR REGISTERED IN
THE NAME OF THE INSURED OR ANY PERSON IN THE INSURED'S HOUSEHOLD AS DEFINED IN THE REGULATION, WHILE THE INSURED
IS PERSONALLY IN CONTROL OF SUCH A VEHICLE .
THIS APPLICATION IS FOR INSURANCE AGAINST ONE OR MORE PERILS SET OUT HEREUNDER, BUT ONLY INSURANCE UNDER THE
PART FOR WHICH A PREMIUM IS SPECIFIED AND PAID AND SUBJECT TO THE TERMS AND CONDITIONS OF THE INDICATED PART
OF THE REGULATION FOR THE FOLLOWING LIMITS
SIGNATURE BY THE INSURED OF THIS APPLICATION ACKNOWLEDGES ALL THE TERMS AND CONDITIONS ON BOTH THE FRONT AND
BACK OF THIS APPLICATION AND DECLARES THAT THE FOREGOING ANSWERS ARE TRUE AND WHERE (A) AN INSURED IN HIS
APPLICATION FOR A POLICY GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR KNOWINGLY MISREP.
RESENTS OR FAILS TO DISCLOSE IN THE APPLICATION ANY FACT REQUIRED TO BE STATED THEREIN, OR (B) THE INSURED CON.
TRAVENES A TERM OF THE POLICY OR THE REGULATION OR COMMITS A FRAUD, OR (C) THE INSURED WILLFULLY MAKES A FALSE
STATEMENT IN RESPECT OF A CLAIM UNDER THE POLICY OR THE REGULATION, ANY CLAIM BY THE INSURED IS INVALID AND THE
RIGHT OF THE INSURED TO RECOVER INDEMNITY IS FORFEITED (AND IN ADDITION OR AS AN ALTERNATIVE, WHERE APPROPRIATE
AND APPLICABLE, THE CORPORATION MAY CANCEL THE SAID POLICY PURSUANT TO SECTION 58 OF THE REGULATION).
TIME 01 VALIDATION
AM
• 1.1
APO 10 106451
INSURING AGREEMENTS
IN CONSIDERATION OF THE PREMIUM PAID AND SUBJECT TO THE STATEMENTS MADE BY THE INSURED IN THE
APPLICATION ATTACHED TO THIS POLICY THE CORPORATION AGREES TO INDEMNIFY AND COMPENSATE THE
INSURED AND IN ACCORDANCE WITH THE FOLLOWING PARTS OF THE REGULATION. FOR WHICH A PREMIUM IS
SPECIFIED IN THE APPLICATION, PART 6 THIRD PARTY LEGAL LIABILITY. AND UNDERINSURED MOTORIST PROTECTION
AS DESCRIBED IN PART 9. DIV I WHEN INCLUDED IN THIS POLICY, BUT THE PAYMENT OF SUCH INDEMNITY IS
SUBJECT TO THE FOLLOWING CONDITIONS'
Al APPLIES ONLY TO THE USE OR OPERATION OF A NON.OWNED VEHICLE, AS DEFINED IN PART 1 OF THE
REGULATION. WITH THE CONSENT OF THE OWNER THEREOF
B; IS IN EACH CASE EXCESS TO THE THIRD PARTY LEGAL LIABILITY LIMIT, PAYABLE UNDER PART 4 OF THE
REGULATION
C IS IN EACH CASE EXCESS TU THE THIRD PARTY LEGAL LIABILITY LIMIT. PAYABLE IN ACCORDANCE WITH
SCHEDULE 30P THE REGULATION CARRIED ON THE NON OWNED VEHICLE BEING OPERATED BY THE INSURED
L IS IN EIERY CASE EXCESS TO ANY AUTOMOBILE INSURANCE PROVIDED BY ANY OTHER INSURER WHICH IS
APPLICABLE TO THE NON-OWNED VEHICLE BEING OPERATED BY THE INSURED .
CONDITIONS (Ai (Bi (CI OR (D) DO NOT APPLY TO UNDERINSURED MOTORIST PROTECTION WHEN INCLUDED IN
THIS POLICY AS THE TERMS AND CONDITIONS APPLICABLE TO UNDERINSURED MOTORIST PROTECTION ARE SET
OUT IN PART 9 DIV I OF THE REGULATION
IN WITNESS WHEREOF, THE CORPORATION HAS CAUSED THIS POLICY TO. BE SIGNED BY ITS PRESIDENT AND
CHIEF EXECUTIVE OFFICER, BUT THE SAME SHALL NOT BE BINDING UNTIL VALIDATED-AND SIGNED ON THE FRONT
SIDE HEREOF BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION.
•
E INSURANCE 1
FLOOR PLAN EXCLUSION ENDORSEMENT
CORPORATION PRESCRIBED PURSUANT TO SECTION 163 OE THE REVISED REGULATION iliac
UNDER THE INSURANCE (MOTOR vIoNCLE) ACT REiNAFTER CALLED THE REGULATION)
1 APV•4AA
Of BRITISH OlUMBIA
(HEREINAFTER CALLED THE CORPORATION(
IN CONSIDERATION OF THE REDUCED PREMUM CHARGED UNDER SECTIONS 2, 3 AND 4 OF THE INSURING
AGREEMENTS OF RIDER APV4E, IT IS UNDERSTOOD AND AGREED THAT ALL VEHICLES WHILE FINANCED BY:
UNDER EITHER THEIR WHOLESALE FINANCE AGREEMENT, OR THEIR FLOOR PLAN AGREEMENT, ARE
EXCLUDED FROM COVERAGE UNDER THE FOREGOING SECTIONS .
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS,
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT.
Of BRITISH COWMEI/A THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED
1HEREINAFTER CALLED THE COPPORAlioNi
...o..,
(A)
(B)
(C)
(DI
(E)
IF)
(G)
i1-I)
(I)
11.11
The coverage provided by this Rider is subject to the amounts and deductibles as set out On the face of the APV-4 and to the following
terms and conditions
1 In respect of each vehicle. the actual cash value at the lime of loss or damage not exceeding the actual cost to the Insured and
SuPleCt to that limit for each vernCle. Or
2 The limit of Insurance stated herein to be applicable to each location 10r loss or damage from any orie occurrence at each specified
location. or
3 The amount of loss or damage to not more than four of the insured vehicles at any other unnamed location or whilst in transit
DEDUCTIBLE CLAUSE
The Corporation shall be liable only for the amount by which loss or damage caused by any of the perils insured by this Rider exceeds
the deductible amount shown on the face of the APV 4 and applicable in respect of each vehicle lost or damaged, but if the total of the
deductible amounts applicable in respect of each vehicle lost or damaged arising from one occurrence totals to an amount that is
more than the deductible amount specified on the face of the APV-4 as applicable to each occurrence causing loss or damage to more
than one vehicle, the Corporation shall be liable for the amount by which the total loss or damage arising from one occurrence exceeds
the deductible amount specified as applicable lo toss or damage to more than one vehicle caused by a single occurrence. except that
no deductible amount shall be applicable to any loss or damage caused by the perils of fire, lightning, or !hell of an entire vehicle other
than a motorcycle
AGREEMENT OF INSURED
The Insured agrees that in the event of loss or damage for which Indemnity is provided by this Rider, the Insured shall, if so requested
by the Corporation. replace the property or make the necessary repairs at the actual cost to the Insured of such replacement or repair,
in which event, indemnity paid by the Corporation shall only be for the amount of the actual cost of the Insured of such replacement or
repair .
COINSURANCE CLAUSE
Tne Insured snap maintain insurance under this Rider on the vehicles hereby insured, at each specified location, to the extent of at
least 80°4 of the actual cash value thereof, and upon failing so to do, the insured shall be a CO.inSurer 10 the extent of an amount
suilicient to mane tne aggregate insurance at the time of loss or damage equal to 80% of the actual cash value of such vehicles and in
that capacity the Insured shall bear such proportion of any loss or damage that may Occur.
If the Insured shall request and the Corporation shall accept any increase or reduction in the Limit of Liability at any specified Location,
such increase or reduction shall be endorsed Hereon and the additional or return premium therefor shall be calculated al pro rata of the
specified rate If me Insured Snail request and the Corporation Shall accept insurance on vehicles stored in additional locations, each
such additional location and the Limit of Liability applicable thereat and the premium to be charged therefor, shall be endorsed on the
such insurance upon additional locations to be effective from the date shown upon the endorsement
1.1^ 1^ ^ ^ •
INSURING AGREEMENTS
In consideration of the rating Questionnaire and declarations which form part of the policy. but only with respect to the Sub'sectionlsi for
which a premium is specified under Section 2 of the APV 4 and no other, and subject always to the General Provisions. Definitions and
Exclusions of the Regulation, the Corporation agrees.
I ll Under Subsection 2A of the APV•4 to indemnify the Insured, on accordance with Part 9, Div. 2, Own Damage. of the Regulation
for direct loss or damage caused solely by collision to any owned vehicle.
Provided always that the Corporation shall not be liable under this Sub-section for lose or damage•
a) from fire. however caused, or
DI occurring after theft of the vehicle and before recovery by the Insured, or
c) to any vehicle sold by the Insured and in the possession of a purchaser whether under any partial payment plan or otherwise, or
0) to any vehicle while being carried in or upon another vehicle owned, hired or leased by the Insured, that is either:
Ii) designed as a vehicle carrier, or
fill carrying more than two vehicles, or
el to vehicles while in the course of manufacture, or
h to vehicles otherwise specifically insured, or consigned vehicles to which other insurance is applicable.
121 Under subsection 2B of the APV-4 to indemnify the Insured, in accordance with Part 9, Div. 2, Own Damage, of the Regulation.
for direct loss or damage to any owned vehicle caused solely by any cause other than by collision
Provided always that the Corporation shall not be liable under this Sub-Section for loss or damage'
Provided always that the Corporation shall not be liable under thIS Sub-sectiOn for loss or damage:
al caused by collision of the vehicle with a vehicle to which it is attached, or
bi to any vehicle held for sale by the Insured which is insured against any peril mentioned in Sub-section 2D of the API.% by a policy
in which loss, if any, is payable jointly to the Insured and to any individual, partnership or corporation as lienholder or mortgagee,
or
ci to any motorcycle, which is Stored or displayed outside any building on the described premises during the hours when the
described premises are closed for business or arising from a windstorm, or
dl occurring alter theft of the vehicle and before recovery Of the vehicle by the Insured, or
el to vehicles while in the course of manufacture, or
I) to vehicles otherwise specifically Insured, or consigned vehicles to which other insurance is applicable
151 The following Insuring Agreement applies to Subsection 2*. 20, 2C or 2D of the APV-4.
The Policy affords Own Damage Coverage to an owned vehicle for loss or damage caused by an excluded vehicle described in
paragraph 6 of the 'General Provisions, Definitions and Exclusions- of the policy but this Insuring Agreement does not waive the
exclusion in Insuring Agreement III Idt above
,..1NSURANCE
s
OPEN LOT PILFERAGE ENDORSEMENT
CORPORATION PPESCRISED PURSUANT TO SECTION IS3 OF THE REVISED PEGULATIONIII64)UNOER
THE INSURANCE IMOTOR VEHICLE) ACT (NEREINAFTER CALLED THE AEGULATCN ■
APV•40
OF BRITISH COlUMBIA
IM FIER CALLED THE CORPORATION)
IN CONSIDERATION OF THE PREMIUM PAID, IT IS HEREBY UNDERSTOOD AND AGREED THAT, WHEN APPLI.
CABLE, EXCLUSION 2 (C) OR EXCLUSION 3 (C) OF RIDER APV-4E, APPLICABLE TO SECTION 2 OF THE POLICY
TO WHICH THIS ENDORSEMENT IS ATTACHED IS DELETED.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS.
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT ANO REGULATION
SHALL HAVE FULL FORCE AND EFFECT.
. Of ORIT1SH00LUVI8LA
jr41:tiNAFTEA CALICO THE coaponAnom
IN CONSIDERATION OF THE REDUCED PREMIUM CHARGED UNDER SECTION 2 OF THE APV.4 OF THIS POLICY,
IT IS HEREBY UNDERSTOOD AND AGREED THAT THE INSURANCE PROVIDED UNDER RIDER APVIE SHALL
APPLY ONLY TO THE FOLLOWING TYPES OF VEHICLES.
TYPE OF VEHICLE
3.
4.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS,
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT.
81-)
INSURANCE
E CORPORATION
OF BRITISH COLUMBIA
WERE NAFTER CALLED THE CORPORATION)
CONSEQUENTIAL LOSS ENDORSEMENT (CUSTOMER'S VEHICLES)
PRESCRIBED PURSUANT TO SECTION 1530F THE REVISED REGULATION (11104)
UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION)
IN CONSIDERATION OF THE PTEMIUM PAID FOR THIS ENDORSEMENT AND SUBJECT TO THE TERMS AND CONDITIONS HEREINAFTER SET
OUT, THE CORPORATION AGREES. FOLLOWING AN OCCURRENCE FOR WHICH INDEMNITY IS PROVIDED UNDER SECTION 3. SUBSECTIONS
IS) IS), OR ICI OF THE APV-4 TO INDEMNIFY THE INSURED FOR LIABILITY IMPOSED BY LAW UPON THE INSURED FOR .
A) COSTS INCURRED BY THE OWNER OF THE VEHICLE INVOLVED IN THE OCCURRENCE (HEREINAFTER CALLED THE CUSTOMER) TO
OBTAIN A SUBSTITUTE VEHICLE, AND/OR
B) A LOSS OF EARNINGS SUFFERED BY THE CUSTOMER AS A DIRECT RESULT OF THE LOSS OF USE OF THE CUSTOMERS VEHICLE FOR
NOT EXCEEDING SUCH LENGTH OF TIME AS WOULD BE REOUTRED WITH THE EXERCISE OF DUE DILIGENCE AND DISPATCH TO REBUILD,
REPAIR OR REPLACE THE VEHICLE COMMENCING WITH THE DATE OF SUCH OCCURRENCE AND NOT LIMITED BY THE DATE OF EX.
PIRATION OF THIS POLICY. BUT NOT EXCEEDING THE ACTUAL LOSS SUSTAINED BY THE CUSTOMER RESULTING FROM SUCH LOSS OF
USE OF THE VEHICLE .
C EARNINGS ARE DEFINED AS NET PROFIT PLUS PAYROLL EXPENSES. TAXES, INTEREST, RENTS AND ALL OTHER OPERATING EXPENSES
EARNED BY THE BUSINESS LESS ALL CHARGES AND EXPENSES WHICH DO NOT NECESSARILY CONTINUE DURING THE INTERRUPTION
OF BUSINESS
D THE CORPORATION SHALL ALSO INDEMNIFY THE INSURED IN RESPECT OF SUCH EXPENSES AS ARE NECESSARILY INCURRED FOR THE
PURPOSE OF REDUCING ANY LOSS COVERED UNDER THIS ENDORSEMENT (EXCEPT EXPENSE INCURRED TO EXTINGUISH A FIRE)
INDEMNITY UNDER THIS PROVISION D IS LIMITED TO THE AMOUNT BY WHICH THE LOSS IS IN FACT REDUCED.
E THE INSURED SHALL TAKE ALL REASONABLE MEASURES TO REDUCE ANY LOSS COVERED UNDER THIS ENDORSEMENT INCLUDING
MAKING USE OF MERCHANDISE OR OTHER PROPERTY INCLUDING VEHICLES) OWNED BY THE INSURED FAILURE OF THE INSURED TO
DO SO MAY RESULT IN A REDUCTION OF THE AMOUNT PAYABLE HEREUNDER .
F. REPLACEMENT VEHICLE IS DEFINED AS AN EQUIVALENT VEHICLE TO THE CUSTOMER'S VEHICLE INVOLVED IN THE OCCURRENCE OF
LOSS
H IN DETERMINING LOSS HEREUNDER. DUE CONSIDERATION SHALL BE GIVEN (I) To THE EARNINGS OF THE BUSINESS BEFORE THE
DATE OF DAMAGE OR DESTRUCTION OF THE CUSTJMERS VEHICLE, ANO TO THE PROBABLE EARNINGS THEREAFTER. HAD NO LOSS
OCCURRED 12) TO THE CONTINUATION OF OPERATING EXPENSES, INCLUDING PAYROLL EXPENSE TO THE EXTENT NECESSARY TO
RESUME OPERATIONS WITH THE SAME QUALITY OF SERVICE WHICH EXISTED IMMEDIATELY PRECEDING THE LOSS. AND 131 TO THE
REDUCTION OF LOSS WHICH COULD BE MADE POSSIBLE BY THE CUSTOMER BY RESUMING SAFE OPERATION OF THE VEHICLE OR BY
MAKING USE OF OTHER VEHICLES
L IF, ON THE HAPPENING OF ANY LOSS, THERE IS IN FORCE MORE THAN ONE POLICY COVERING THE SAME INTEREST, IRRESPECTIVE OF
WHETHER BY ANY TERM IN SUCH POLICY THE INSURANCE GRANTED THEREBY SHALL NOT COVER. COME INTO FORCE, ATTACH. OR
BECOME INSURANCE UNTIL AFTER FULL OR PARTIAL PAYMENT OF ANY LOSS UNDER ANY OTHER POLICY, IT IS A CONDITION OF THIS
ENDORSEMENT THAT THE CLAIM HEREUNDER SHALL BE ADJUSTED WITH THE INSURED ON THE BASIS THAT SUCH POLICY OR POLICIES
WILL CONTRIBUTE A RATEABLE PROPORTION OF THE LOSS UNLESS IT IS OTHERWISE EXPRESSLY AGREED IN WRITING
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT. ALL LIMITS, TERMS, CONDITIONS, PROVISIONS, DEFINITIONS AND EXCLUSIONS
OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION SHALL HAVE FULL FORCE AND EFFECT .
APV 41.10664,
E INSURANCE
CORPORATION
Of BRITISH COUJMBIA
REINAFTER CALLED THE CORPORATION(
LOSS OF USE ENDORSEMENT (CUSTOMER'S VEHICLES)
PRESCRIBED AURISuANT TO SECTION 'M OE THE REv15ED REGULATION OWN
UNDER THE INSURANCE !MOTOR VENIELEI ACT (HEREINAFTER CALLED THE REGULAT.ONI
IN CONSIDERATION OF THE PREMIUM PAID FOR THIS ENDORSEMENT, THE CORPORATION AGREES, FOLLOWING AN
OCCURRENCE FOR WHICH INDEMNITY IS PROVIDED UNDER SECTION 3 SUBSECTIONS A, B OR C OF THE APV-4, TO IN-
DEMNIFY THE INSURED FOR LIABILITY IMPOSED BY LAW UPON THE INSURED FOR EXPENSE INCURRED BY THE OWNER OF
THE VEHICLE INVOLVED IN THE OCCURRENCE, FOR THE RENTAL OF A SUBSTITUTE VEHICLE, INCLUDING TAXIS AND
PUBLIC MEANS OF TRANSPORTATION, AS A RESULT OF THE LOSS OF USE OF THE VEHICLE.
A THE CORPORATION SHALL NOT BE LIABLE UNDER THIS ENDORSEMENT FOR ANY EXPENSE IN EXCESS OF THE LIMIT
PER DAY AND TOTAL LIMIT PER VEHICLE PER OCCURRENCE STATED ON THE APV-4
B REIMBURSEMENT IS LIMITED TO SUCH EXPENSE INCURRED DURING THE PERIOD COMMENCING IMMEDIATELY AFTER
THE OCCURRENCE OF SUCH LOSS OR DAMAGE AND TERMINATING, REGARDLESS OF THE EXPIRATION OF COVERAGE
UNDER THIS ENDORSEMENT, (1) UPON THE DATE OF SUBSTANTIAL COMPLETION OF REPAIRS TO OR THE REPLACE
MENT OF THE PROPERTY LOST OR DAMAGED OR (2) UPON SUCH EARLIER DATE AS THE CORPORATION MAKES OR
TENDERS SETTLEMENT FOR SUCH LOSS OR DAMAGE
C. ANY PROVISIONS UNDER SECTION 3 SUBSECTIONS A OR C OF THE APV-4, BY WHICH THERE IS A DEDUCTIBLE AMOUNT
PAYABLE BY THE INSURED IN RESPECT TO A CLAIM THEREUNDER, SHALL NOT BE APPLICABLE.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS. TERMS, CONDITIONS, PROVISIONS. DEFINITIONS
AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION SHALL HAVE FULL FORCE
AND EFFECT
ALTERATION ENDORSEMENT [IIINSURANCE
CORPORATION
r
(COMPREHENSIVE GARAGE POLICY APV4)
PM•SCAMIII0 INTOTIU4NT TO MVO. Is) DP 1.1.I Alvin AI OuLA TiOPP I 410
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INSURANCE CUSTOMER'S OPEN LOT PILFERAGE ENDORSEMENT
CORPORATION PRESCRIBED PURSUANT TO SECTION IS) OF THE REVISED REGULATION 1,96.1
UNDER THE INSURANCE (MOTOR VEHICLE) ACT THEREINAFTER CALLED THE REGULATION)
APV-4Z
Of BRITISH COLUMBIA
,HEREINAFTER CALLED THE CORPORATION)
IN CONSIDERATION OF THE PREMIUM PAID, IT IS HEREBY UNDERSTOOD AND AGREED THAT, EXCLUSION
(2XC) OF RIDER APV-4F IS DELETED.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS, TERMS, CONDITIONS, PROVISIONS,
DEFINITIONS AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT AND REGULATION
SHALL HAVE FULL FORCE AND EFFECT.
APv4210141
LOSS OF USE ENDORSEMENT n INSURANCE 93
% ..10P,M1.P. 110.0. ,19 0111,M10 Oft Mem CORPORATION
0.01111"*1
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WARNING
1 1 1 I 1 1 1 I I I I I I 1 1 1 1 t L 1 1 1 1
USE OF VEHICLEISI OUTSIDE BRITISH COLUMBIA
ADORERS OF riduRID IN INSTANCES WHERE IA) THE VEHICLE(S) IS
•" REGISTERED AND LICENSED IN ANOTHER JUIEIS.
1111111.1111- 1111 DICTION, (11) THE LAW OF ANOTHER JURISDIC
TION REQUIRES THAT IT BE REGISTERED AND
LICENSED THERE, OR ICI IT HAS SEEN PERM-
1'11 ANENTLY REMOVED FROM THE PROVINCE FOR
MORE THAN 60 DAYS, WHICHEVER COMES FIRST,
MAY INVALIDATE THE COVERAGE UNDER THIS
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CITY mem4we ENDORSEMENT. IF IN DOUBT, PLEASE CONSULT
YOUR "MOTORIST our
OR AGENT .I
1 1 1 ,,A;I •‘1
IN CONSIDERATION OF THE PREMIUM PAID FOR THIS ENDORSEMENT THE CORPORATION AGREES, FOLLOWING AN OCCURRENCE
FOR WHICH INDEMNITY IS PROVIDED UNDER PART 9, DIVISION 2 OF THE REGULATION, TO REIMBURSE THE INSURED FOR EXPENSE
INCURRED BY THE INSURED FOR THE RENTAL OF A SUBSTITUTE VEHICLE, INCLUDING TAXIS AND PUBLIC MEANS OF TRANS-
PORTATION, AS A RESULT OF THE LOSS OF USE OF THE VEHICLE.
urn PIN PA,
PROVIDED ALWAYS THAT:
A. THE CORPORATION SHALL NOT BE LIABLE FOR SUCH EXPENSE IN EXCESS OF $1 i 1 PER DAY PER VEHICLE
NOR TOTALLING MORE THAN 4 PER VEHICLE PER OCCURRENCE.
$1 1010
B REIMBURSEMENT IS LIMITED TO SUCH EXPENSE INCURRED DURING THE PERIOD COMMENCING IMMEDIATELY AFTER THE
OCCURRENCE OF SUCH LOSS OR DAMAGE AND TERMINATING REGARDLESS OF THE EXPIRATION OF COVERAGE UNDER THIS
ENDORSEMENT (I) UPON THE DATE OF SUBSTANTIAL COMPLETION OF REPAIRS TO OR THE REPLACEMENT OF THE PROPERTY
LOST OR DAMAGED OR (II) UPON SUCH EARLIER DATE AS THE CORPORATION MAKES OR TENDERS SETTLEMENT FOR SUCH
LOSS OR DAMAGE
C. ANY PROVISION UNDER PART 9, DIVISION 2 OF THE REGULATION BY WHICH THERE IS A DEDUCTIBLE AMOUNT PAYABLE BY
THE INSURED IN RESPECT TO A CLAIM THEREUNDER, SHALL NOT BE APPLICABLE TO THE INDEMNITY PROVIDED BY THIS
ENDORSEMENT.
D INDEMNITY PROVIDED BY THIS ENDORSEMENT FOR LOSS OF USE BY THEFT SHALL BE PRIMARY AND THE AMOUNT PAYABLE
UNDER SECTION 124 OF PART 9, DIVISION 2 OF THE REGULATION SHALL BE EXCESS AND NOT SUBJECT TO THE SEVENTY.
TWO HOUR WAITING PERIOD OTHERWISE APPLICABLE.
E. NO REIMBURSEMENT SHALL BE MADE FOR ANY EXPENSE WHERE THE VEHICLE TO WHICH THIS ENDORSEMENT APPLIES
IS EITHER A TAXI OR A U-DRIVE.
F. THE CORPORATION SHALL NOT BE LIABLE UNDER THIS ENDORSEMENT UNLESS AT THE EFFECTIVE DATE HEREOF, AND
UPON THE PRESENTATION OF A CLAIM FOR REIMBURSEMENT HEREUNDER, THERE IS AVAILABLE TO THE GENERAL PUBLIC
FROM AN ESTABLISHED LESSOR OF VEHICLES, OR FROM SUCH OTHER LESSOR AS MAY BE APPROVED IN WRITING BY THE
CORPORATION, A SUBSTITUTE RENTAL VEHICLE WHICH IS GENERALLY EQUIVALENT IN DESCRIPTION TO THE VEHICLE TO
WHICH THIS ENDORSEMENT APPLIES.
EXCEPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT ALL LIMITS, TERMS, CONDITIONS, PROVISIONS, DEFINITIONS AND
EXCLUSIONS OF THE REGULATION SHALL HAVE FULL FORCE AND EFFECT.
CLAIM RATED
GOMM 800.11011
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ENDORSEMENT CONFIRMS INSU
ACCORDING TO THE TERMS AND CONDITIONS OF THE ENDORSE.
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AND REGULATION
CMIH 0 CHIOA 0 $
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PREMIUM SRO ' SI I • ; 111,11 OP vAL,O.110.
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PARTICULARS OF CHANGE. THE INSURED HEREBY ACKNOWLEDGES AND AGREES TO THE FOLLOWING AMENDMENTS
1 1 3 1 1 I
$ $1
SI .1 1 1 i I 1
LOSS OR UM uw T a T I TOTAL LIMIT
111•01710
OfYYLON M $1 0 Si
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INSURANCE CORPORATION OP MUSH Mows. OTHER NI RACE MENT
COVERAGES C3 .ts C3 No 2747. I $1 E L i
ANTRAL ..1■1
CLAIM SATED SI I I I
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TIME OF VALIDATION
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INSURING AGREEMENT
The Corporation agrees to indemnify the Insured against liability of the Insured for direct loss or damage to any vehicle (Including
its equipment) while in the care. custody or control of the Insured, provided that such vehicle is not owned in whole or part by c•
licenced in the name of the Insured or by any person residing in the tame dwelling premises as the Ineured, and further providinc
that the loss or damage Caused thereto arises from such of the perils described in the Coverage eel Out On the face of the Specia
Own Damage Insurance Policy, for which a premium is specified, but Indemnity is Subject to the Special Terms. Conditions and
Limitations set out below
DEDUCTIBLE CLAUSE
The deductible amount set Out On the face Of the Special Own Damage Insurance Policy for which a premium is specified and pa c
shall be the amount deductible Per vehicle for each claim except claims for loss or damage by fire or theft of the entire vehicle
I
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1 1 1 1 1 1 1 I 1 1 1 I 1 1 1 I l I 1
1 I 11 1 I 1 1 1 1 1 I 1 1 1 1 I 1 1 1 1 1 1 1
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2. THE AUTOMOBILES IN RESPECT OF WHICH INSURANCE IS TO BE PROVIDED ARE THOSE NOT OWNED IN WHOLE OR IN PART BY,
OR LICENCED IN THE NAME OF THE INSURED, USED IN THE INSURED'S BUSINESS.
CASH O CNEOUE
4. (a) THE PREMIUMS STATED IN ITEM 3 OF THIS POLICY ARE COMPUTED ON THE TOTAL NUMBER OF PARTNERS, OFFICERS,
EMPLOYEES AND AGENTS, EMPLOYED IN THE BRITISH COLUMBIA BUSINESS OPERATIONS OF THE INSURED ON THE EFFECTIVE
DATE OF THIS POLICY, WHO IN THE COURSE OF THEIR EMPLOYMENT DRIVE AUTOMOBILES NOT OWNED IN WHOLE OR IN
PART BY, OR LICENCED IN THE NAME OF THE INSURED.
(b) WHERE AN ADDITIONAL PREMIUM FOR WORLD WIDE COVERAGE IS SHOWN ABOVE, INSURING AGREEMENT B AS CONTAINED
ON THE BACK OF THIS APPLICATION IS HEREBY AMENDED TO READ THAT SUCH INDEMNITY SHALL BE PROVIDED TO SUCH
INSURED WHILE WITHIN BRITISH COLUMBIA OR OUTSIDE BRITISH COLUMBIA ANYWHERE IN THE WORLD.
5. SIGNATURE BY THE INSURED OF THIS APPLICATION ACKNOWLEDGES ALL THE TERMS AND CONDITIONS CONTAINED ON BOTH
THE FRONT AND BACK OF THIS APPLICATION AND DECLARES THAT THE FOREGOING ANSWERS ARE TRUE AND WHERE (A) AN
INSURED IN HIS APPLICATION FOR A POLICY GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR
KNOWINGLY MISREPRESENTS OR FAILS TO DISCLOSE IN THE APPLICATION ANY FACT REQUIRED TO BE STATED THEREIN, OR
(B) THE INSURED CONTRAVENES A TERM OF THE POLICY OR THE REGULATION OR COMMITS A FRAUD, OR (C) THE INSURED
WILLFULLY MAKES A FALSE STATEMENT IN RESPECT OF A CLAIM UNDER THE POLICY OR THE REGULATION, ANY CLAIM BY
THE INSURED IS INVALID AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY IS FORFEITED.
TIAN OP VALIDATION
• hl
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MN 79 411151
9i
INSURING AGREEMENTS
/RN\ IN CONSIDERATION OF 'HE PREMIUM PAID AND STATEMENTS MADE BY THE INSURED IN THE APPLICATION ATTACHED TO THIS POLICY THE CORPORATION AGREES
TO INDEMNIF• THE NAMED INSURED IHEREIN•F TER CALLED THE INSUREDI PURSUANT TO THE INSURANCE !MOTOR VEHICLEI ACT AND IN ACCORDANCE WITH THE
REGULATION FOR PART 6 THIRD PARTY LEGAL LIABILITY WHICH IS IMPOSED BY LAW UPON THE INSURED FOR LOSS OR DAMAGE ARISING FROM THE USE OR OPERATION
OF AN AUTOMOBILE NOT OWNED IN WHOLE OR IN PART BY BY OR LICENCED IN THE NAME OF THE INSURED. BUT THE PAYMENT OF SUCH INDEMNITY IS SUBJECT TO
THE FOLLOWING CONDITIONS.
I FOR ANY LIABILITY WHICH ARISES FROM THE USE OR OPERATION OF ANY AUTOMOBILE WHILE PERSONALLY DRIVEN BY THE INSURED IF THE INSURED IS AN
INDIVIDUAL . OR
2 FOR ANY LIABILITY IMPOSED UPON ANY PERSON INSURED BY THIS POLICY
!!! BY ANY WORKERS COMPENSATION LAW, OR
1..1 BY ANY LAIN FOR BODILY INJURY TO OR THE DEATH Of THE INSURED OR ANY PARTNER. OFFICER. EMPLOYEE OR AGENT Of THE INSURED WHILE ENGAGED
THE BUSINESS OF THE INSURED. OR
!!!!1 FOR LOSS OR DAMAGE TO PROPERTY CARRIED IN OR UPON AN AUTOMOBILE PERSONALLY DRIVEN BY ANY PERSON INSURED DT THIS POLICY OR TO ANY
PROPERTY OWNED OR RENTED BY OR IN THE CARE. CUSTODY OR CONTROL OF ANY SUCH PERSON
B INDEMNITY PROVIDED BY THIS POLICY IS IN EFFECT ONLY WHEN THE INSURED IS A RESIDENT OF BRITISH COLUMBIA AND SUCH INDEMNITY SHALL BE PROVIDED TO
SUCH INSURED WHILE WITHIN BRITISH COLUMBIA OR, WITHIN CANADA OR THE UNITE() STATES Of AMERICA OR UPON A vassal. TRAVELING BETWEEN CANADA
AND UNITED STATES OF AMERICA PROVIDED THAT WHERE THE INSURED IS A COMPANY OR PARTNERSHIP, INDEMNITY PROVIDED BY THIS POLICY TO A PARTNER.
OFFICER. EMPLOYEE OR AGENT OF SUCH COMPANY OR PARTNERSHIP SMALL BE IN FORCE WHILE SUCH PARTNER. OFFICER. EMPLOYEE. OR AGENT IS WITHIN
BRITISH COLUMBIA OR. WITHIN CANADA OR THE UNITED STATES OF AMERICA OR UPON A VESSEL TRAVELING BETWEEN CANADA AND THE UNITED STATES OF
AMERICA. TRANSACTING OR CONDUCTING THE BUSINESS OF THE INSURED COMPANY OR PARTNERSHIP WHICH ORIGINATES WITHIN BRITISH COLUMBIA.
WHEN !WO OR MORE AUTOMOBILES ARE INSURED HEREUNDER THE TERMS OF THIS POLICY SHALL APPLY SEPARATELY TO EACH, BUT A MOTOR VEHICLE AND A
TRAILER OR TRAILERSATTACHED THERETO SHALL BE HELD TO BE ONE AUTOMOBILE IN RESPECT TO LIMITS OF LIABILITY UNDER PART SOF THE REGULATION
3 ANY CLAIM FOR INDEMNITY PURSUANT TO THIS POLICY SHALL BE PRESENTED AND PROCESSED IN ACCORDANCE WITH THE INSURANCE (MOTOR VEHICLE) ACT
AND REGULATION THEREUNDER
4 CROSS LIABILITY
THE INSURANCE AS ,S AFFORDED BY THIS POLICY SHALL APPLY IN RESPECT OF ANY CLAIM OR ACTION BROUGHT AGAINST ANY ONE INSURED SY ANY OTHER
INSURED THE COyEa•GE SHALL APPLY 114 THE SAME MANNER AND TO THE SAME EXTENT AS THOUGH A SEPARATE POLICY HAD BEEN ISSUED TO EACH INSURED
THE INCLUSION HEREIN OF MORE THAN ONE INSURED SHALL NOT OPERATE TO INCREASE THE LIMIT UNDER T. IIS POLICY
5 OTHER INSURANCE
SUBJECT TO PROVISION I OF THESE GENERAL PROVISIONS. IF THE NAMED INSURED HAS OR PLACES ANY ADOMONAL OR OTHER VALID INSURANCE OP HIS
INTEREST IN THE SUBJECT MATTER OF THE CONTRACT OR ANY PART THEREOF THE CORPORATION SHALL BE LIABLE ONLY FOR ITS RATEABLE PROPORTION OF
ANY LOSS OR DAMAGE
IN WITNESS WHEREOF. THE CORPORATION HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND 000 EXECUTIVE OFFICER. BUT THE SAME SHALL NOT BE
BINDING UNTIL COUNTERSIGNED BY A DULY AUTHORIZED REPRESENTATIVE OF THE CORPORATION.
f f I
NSu•ANCE COlfoom oro Of 1011111. COLIANII4
913
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NAME OF INSURED
I I I I
1 I 1 1 1 1 1 I 1 1 1 1 1 1 1
1 1 I I 1
IN CONSIDERATION OF THE PREMIUM PAID. SECTION 56 SUBSECTION (a) OF THE REGULATION, EXCLUDING LOSS OR DAMAGE
ARISING OUT OF NUCLEAR ENERGY AS DEFINED IN THE INSURANCE ACT, IS HEREBY WAIVED IN SO FAR AS IT APPLIES TO
THE CARRIAGE OF RADIOISOTOPES, PACKAGED AND LABS? I ED IN ACCORDANCE WITH THE REGULATIONS OF TRANSPORT
CANADA , THAT ARE TO BE USED FOR MEDICAL TREATMENT, RESEARCH, PHOTOGRAPHY, X RAY OR OTHER SIMILAR PUR
POSES UTILIZING RADIO ISOTOPES
EXCEPT AS OTHERWISE PROVIDED FOR IN THIS ENDORSEMENT ALL LIMITS, TERMS. CONDITIONS, PROVISIONS, DEFINITIONS,
AND EXCLUSIONS OF THE POLICY, THE INSURANCE (MOTOR VEHICLE) ACT ANC REGULATION SHALL HAVE FULL FORCE
AND EFFECT .
NL)1 VA. , 1)
PRESIDENT AND CHIEF EXECUTIVE OFFICER UNLESS STAMPED
INSURANCE CONPORATION Of EROTISM COlUMSIA Pv
L.
ARV $A 10E51.
TEMPORARY CHANGE OF USE ENDORSEMENT n INSURANCE
(TO A HIGHER RATING CLASSIFICATION) L I CORPORATION
INIACAIND NoINJANT TO DICTION ID) CH TN. 1444E0 4.00,AnoN REIM ( (RIMIER
uNDt• TAT 14kAANCI .0101 TIINCLV ACT ■NONINATTl• CALLAO Tel AVOLAANON 06,.10 [1:0•0•6,0•••
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IN CONSIDERATION OF THE PREMIUM PAID FOR THIS ENDORSEMENT, THE OWNER OR DRIVER OF THE VEHICLE DESCRIBED IN THE OWNER'S
CERTIFICATE OF INSURANCE TO WHICH THIS ENDORSEMENT APPLIES IS PERMITTED TO OPERATE THE VEHICLE TEMPORARILY FOR A PERIOD NOT
EXCEEDING 3 MONTHS FOR THE USE SET OUT HEREAFTER AND ACCORDING TO THE TERMS OF THIS ENDORSEMENT .
$15 I I
mmour *oft P1600 Of NOM*. MK
EXCEPT AB OTHERWISE PROVIDED IN THIS ENDORSE• COWRAOI . Mu 0* TOTAL
ANNUAL PMMIUM
MINT. ALL LIMITS, TERMS. CONDITIONS. PROVISIONS
CHIN/AINCI MONTI. OA r X
DEFINITIONS AND EXCLUSIONS OP THE REGULATION VAIN TINAVOV $ I ALL PREMIUMS SHOWN
SHALL NAVE FULL FORCE AND EFFECT P111111140APOR MOOD Of PIMA Plid
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ANNUAL PRE■Num MCMINN= X
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INOORSIMINT Commlue oduA.ARC.1 00V11441 I IN FORCE IOSIC USE DWI TIM) OF VALIDATION
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Wool AND PLINIuma TO Tool INIILAIANCE MOTOR Lima!) ACT AM
AND REOLILAIOR • IA
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IN CONS.;ARATION OF THE PRE TA'uM RAG) FOR .TTS ETTOCIPSEmEN * THE CORPORATION AGREES TO INDEMNitv THE INSURED PURSUANT TO PART A DI., S.OTT : OF
THE REC,u.AT.ON FOP LOSS OR DAMAGE TO THE FOLLOWING ECTuoPTA NT DESCR.BED IN ITEM I ANDOR ONE OR MORI OF ITEMS 2 AND 4 SUBJECT TO THE DEC, eat
VALUES 00 DEDUCTIBLE .MOON' SET OUT ITIE,CM ,F4 RELATION TO SUCH EOLAPMENY AND SUBJECT TO THE TERMS AND CONDITIONS CONTAINED ON THE FRONT ANL
BACA OF T.15 ENDORSEYETT*
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AND REGULATION
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INSURING AGREEMENT
The corporation agrees to indemnity the Insured, on respect of the vehicle described on the front of the Special Own Damage Insurance
Polict to wmch this Rider is attached, for Own Damage Extension Insurance as set out on the front of the Special Own Damage in
surance Policy and for which a premium is specified, in accordance with Part 9, Division 2 of the Regulation
Except as otherwise provided in this pOlICy, all Limits, Terms, Conditions. Provisions. Definitions and Exclusions of the Regulation sna g,
have fun force and effect
WARNING'
1U
UNLICENCED VEHICLE POLICY INSURANCE
(OFF HIGHWAY PLEASURE USE OR VEHICLE IN STORAGE ONLY) CORPORATION
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IN CONSIDERATION OF THE PREMIUM PAID FOR THIS POLICY THE CORPORATION AGREES TO INDEMNIFY THE INSURED FOR THIRD PARTY LEGAL LIABI L ITY ANC OWN
DAMAGE INSURANCE AND PAY BENEFITS TO OR ON BEHALF OF THE INSURED FOR ACCIDENT BENEFITS INSURANCE. PURSUANT TO THE RESPECTIVE KARTS OF THE
REGULATION. WHERE • PREMIUM IS SPECIFIED AGAINST THAT COVERAGE SHOWN HEREUNDER AND SUBJECT TO THE TERMS AND CONDITIONS SET OUT HEREAFTER FOP
THE DESCRIBED UNLICENCED VEHICLE
VEHICLE OESCRETION
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PROVIDED ALWAYS THAT THE POLICY OF INSURANCE BHA L SE SUBJECT TO HE SPECIAL TERMS. CONDITIONS AND EXCLUSIONS CONTAINED ON THE SACK OF THIS
POLICY WHICH SHALL ALSO FORM PART OF THE SAID POLICY AND SHALL SE BINDING UPON THE INSURED
SIGNATURE BY THE IN SURED OF THIS POLICY ACKNOWLEDG S ALL THE TERMS AND CONDITIONS CONTAINED HEREIN AND DECLARES THAT THE FOREGOING PARTICULARS
ARE ?Hut AND WHERE f Al THE INSURED IN THIS POLICY GIVES FALSE PARTICULARS TO THE PRE JUDICE OF THE CORPORATION OR KNOWINGLY MISREPRESENTS OP FAILS
10 DISCLOSE IN THIS POLICY ANY FACT REQUIRED 10 BE S ATED HEREIN OR 151 THE INSURED CONTRAVENES A TERM OR CONDITION OF THE POLICY OF INSURANCE OR
THE REGULATION OR COMMITS A FRAUD OR ICI THE INSURED WILLFULLY MAKES A FALSE STATEMENT IN RESPECT co A CLAIM UNDER THE POLICY OF INSUPANCE OR
THE REGUL ATION ANY CLAIM BY THE INSURED UNDER THE SAID POLICY IS INVALID AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY THEREUNDER IS FORFEITED
IAND IN ADDITION OR AS AN ALTERNATIVE WHERE APPROPRIATE AND APPLICABLE THE CORPORATION MAY CANCEL THE SAID POLICY PURSUANT TO SECTION SS OF THE
REGULATION.
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EXCEPT AS OTHERWISE PROVIDE:, FOR IN THIS POLICY ALL LIMITS. TERMS, CONDITIONS, PROVISIONS, DEFINITIONS
AND EXCLUSIONS OF THE REGULATION SHALL APPLY TO THE INSURANCE GRANTED HEREIN
IN WITNESS WHEREOF THE Cr -+;,‘DRATioN HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND
CHIEF EXECUTIVE OFFICER BL, THE SAME SHALL NOT BE BINDING UNTIL VALIDATED AND SIGNED ON THE
FRONT SIDE HEREOF BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION
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IN CONSIDERATION OF THE PREMIUM PAID FOR THIS ENDORSEMENT. PERMISSION IS GRANTED FOR THE VEHICLE INSURED UNDER THE OWNER'S CERTIFICATE TO WHICH
THIS ENDORSEMENT APPLIES. TO BE USED TO CARRY RADIOISOTOPES PACKAGED AND LABELLED IN ACCORDANCE mu THE RSOULATIONS OF TRANSPORT CANADA
THAT ARE TO SE USED FOR MEDICAL TREATMENT. RESEARCH. PHOTOGRAPHY, RIMY OR OTHER SIMILAR PURPOSES UT1UZINO RADICMSOTORES.
SECTION 56 Of • HE REGULATION EACLUDING LOSS OA DAMAGE ARISING FROM NUCLEAR ENERGY HAZARD OR CONTAMINATION BY RADIO ACTIVE MATERIAL IS HEREBY
DELETED INSOFAR AS IT APPLIES TO THE CARRIAGE OF RADIO ISOTOPES AS DESCRIBED ABOVE
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EXCLUSIONS OF THE REGULATION SHALL APPLY TO THE INSURANCE GRANTED HEREIN .
API 4110114Si
POLICY OF BLANKET FLEET INSURANCE r INSURANCE
L I CORPORATION
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IN CONSIDERATION Of THE PREMIUM PAID TO THE CORPORATION FOR THIS POLICY THE CORPORATION HERESY AGREES TO INDEMNIFY THE INSURED AGAINST LOSS OR
DAMAGE CAUSED BY PERILS SET OUT BELOW. FOR THE FOLLOWING LIMITS OF LIABILITY AND SUBJECT TO THE FOLLOWING DEDUCTIBLE AMOUNTS. LIMIT PER DAY AND
TOTAL LIMIT IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF APPLICABLE PARTS OF THE REGULATION IN RESPECT OF ALL LICENCE° VEHICLES OWNED. OR
LEASED FOR MORE THAN ONE MONTH BY . OR or THE NAME OF THE INSURED UNDER FLEET IDENTITY NUMBER
1
1 I I•I WHICH LIMITS OF LIABILITY DEDUCTIBLE AMOUNTS LIMIT PER DAY AND TOTAL LIMIT SHALL APPLY NOTWITHSTANDING THOSE LIMITS OF
LIABILITY DEDUCTIBLE AMOUNTS OR LIMIT PER OAT AND TOTAL LIMIT INDICATED TAI ON ANY MTV I APT 9 APT 290 OR APV I7 OR 111, ON ANY APT 42A RELATING THERETO
RESPECTIVELY ISSuED AND IN FORCE IN RESPECT 0 1 ANY VEHICLE INSURED UNDER THE AFORESAID FLEET IDENTITY NUMBER. BUT NOT IN ADDITION TO THE LIMITS OF
LIABILITY DEDUCTIBLE AMOUNTS OR LIMIT PEN DAY AND TOTAL LIMIT SET OUT ON ANY SUCH VALID AND SUBSISTING OWNERS CERTIFICATE OF INSURANCE AND VEHICLE
LICENCE OR SPECIAL COVERAGE POLICY iF0a OWN DAMAGE. RELATING THERETO AS THOSE DOCUMENTS ARE HEREINBEFORE IDENTIFIED BY FORM NUMBER IOR THE
PREDECESSOR OR SUCCESSOR FORM NUMBERS RESPECTIVELY UNDER DETAILS MI AND III. WWI
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THE INSURED NAMED ABOVE RIPEN. AGREES IN THE EVENT OP • CLAIM UNDER THIS NmETANITT UNDER THIS POLTCY *NALL APPm ONLY TO AN PADA Oa ONNESTON MADE BY
POLICY TO PA• TO THE COTI.D.V.ON•LL PREMIUM THAT WOULD H•v1 BEEN PAYABLE THE INSURED HIS Wan OR EMPLOYEES TYTENTOwSION Of INSURANCE COyte•GE
OR DEDuCTELF •mouNTs LAY, PER WHICH 6 NOT IN ACCORDANCE WITH THE LIMIT or LIAsuTy DEDUCTIBLE AMOUNTS
ST THE INSURED T:.P.J•N •HE LIMIT PER DAY AND TOTAL LINT PaUCREGIO ON THEE POLICY Armco THE EPPICOVI OAT(
OAR AND IOTA. LINT INIESC•1110 ON THIS POLICY WHICH L.N, Or LIABILITY
Cl ENS POLICY MID SHALL NOT APPLY TO MN' DELIBERATE ACT SY THE INSIPID HIS
DEDUCTIBLE AMOUNTS OR LIMIT PER DAY AND TOTAL LIMIT WERE NOT PROY.DICum S. ON CIS! OR EMPLOYEES. WHICH MATS N THE PROVISION OR ANY WC. INSURANCE
ANT ••• • ••• S APT 2S0 OR AP I IT OR ■•• BY ANY AR, 42A MARRING THERETO 10$ WHICH W NOT IN ACCONOANCE WITH THE COVERAGE PRISCASED
THEIR mit DICESS2. OR SuCCESSOR rcav Numstm RE STItc ,yl• • ISSUED AND IN A ANY CLAM POP INDEMNITY PLANIEUANT TO MRS POLICY SHALL BE PRESENTED AND PRO
FORCE P. RESPECT OR A VEHICLE TO WHICH THIS POLICY MINAS MISSED IN ACCORDANCE WiTly THE INBURANCE (MOTOR YINKTLIS ACT ANO MOTAATKN•
INDEMNITY UNDER THIS POLICY SHALL III DEEMED AS PAID PURSUANT TO THE VALID AND THEalvNOEN
SUSSISTNO OWNERS CIRTIPGATE CIO INSURANCE ANO VEHICLE LCEN011 OP SPECIAL B WHERE THE ANSIARED TS ALSO Tull HOLDER Or A TEMPORARY OPIAATKos NN NI ARDOR
COVERAGE POCKY MO. OWN DAMAGE. RELATING THERETO As THOSE Ow:WM.6 ARE TatawvAT COGNING PERMIT AND TS( soar OR RABID Ram u•MUTY COMMIS( ON
MINIENSEPOPE IDENTweiD E. PORm Nustets cm THIN INIDECEIGN OR SUCCESSOR SAC.. TEMPORARY OPERATION maw as isEls•Wav MGM) PERMIT *Lim Tow. THE
PORN PEIMICIvti• wool. DETAILS IA, AND Ea CONTAINED IN PROVISION I LIMIT W TROD PAM" UASILITV COVERAGE PENTWO10 NINIUNOIR THE LIMIT Of THIRD
ASOvt 45010 AND IN IDRCE IN RESPECT Or THE VI HO 61 IRON WHICH L IABILITY ARISES PARTY uraTury COVERAGE ON SLICK TEMPORARY MANTON NNW ANOKA NIGHwrs
AND POP IS PAID emitsuANT TO THE VALID AND SUBSISTING OWNER 5 CROSSING PINOT 11.4.1. it DEEMED TO II NUM TO TINE UMW 00 TIRNO
CERTIFICATE OR SPECIAL COVERAGE POLICY UANLITy COVERAGE PROWOMSYNIMERIOIN
fru PT AS OTHERWISE P•OrDI 0 IN THIS POuCs ALL LIMITS TERMS CONDITIONS INTOY.S.ONS DtriNiTIONS AND ExCLuS•OreS OF THE 160usAITON SHALL APPLY METH
',AL FORCE AND ( ,TEC• TO VHS POLICT
SIGNATURE 9. THE INSURED OP THE POLICY ACKNOWLEDGES ALL THE TEARS AND CONDITIONS CONTAINED HEREIN AND DECLARES THAT TIE 'macaw PARTICULARS TIME OF VALIDATION
ARE Taut AND WHERE ■ • THE INSURED IN THIS POLICY Con PAUSE IIMATICUL 4.5 TO THE mtJutrCE OK THE CORPORATION OR KNOWTNGLT MISREPRESENTS Oa PAILS
TO DISCLOSE IN THIS POLICY ANY f•CT RICOGE , TO BE STATED HEREIN OR G THE INSURED CONTRAVENES • TERM Oa CONDITION OF THE POLICY OS INSURANCE OP AM
THE REGULATION DO COMMITS A SImuD ON ,C. THE INSURED WILLFULLY MARES A FALSE STATEMENT IN RESPECT OP A CLAIM UNDER THE POTJC• OS INSURANCE OR THE
PM
Of GULAT.0% ANT CL AIM S• THE INSURED UNDER THE SAID POLICY IS INVALID AND THE MOW CST THE INSURED TO RECOVER INDEMNITY THEREUNDER IS POGO WED 441)
IN ADDITION OP AS omoopmei AND APPLICABLE THE CORPORATION MAY CANCEL THE SAID POLICY PURSUANT TO SECTION SE or THE
allGuLAT , oN
j WHEN YALTDATIO AND STONED V AN MITNON1210 AGENT THIS POLTC•
COONS° INSURANCE COVERAGE II IN MRCS ACCONDwo TO THE
TERMS AND cONOMON11 OP THE POLICY AND PLMSuANT TO THE
INSURANCE IMOTOR slmocuti ACT moo NIOuLANCY.
YONATua1 OP INSURED
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WARNING
1 1 1 1 1 1 1
L 1 1 1 l I 1 1 1 1 a 1 I I 1 1
USE OF VEHICLEIS1 OUTSIDE BRITISH COL
UMBIA IN INSTANCES WHERE IAl THE
1 1 I 1 1 I 1 1 1 1 1 1 1 1 1 l I 1 ll VEHICLEISi IS REGISTERED AND LICENS .
1I ED IN ANOTHER JURISDICTION 181 THE
AODNIIIIII OF iNSuFro LAW OF ANOTHER JURISDICTION RE
(WIRES THAT IT BE REGISTERED AND
l LICENSED THERE. OR ICI IT HAS BEEN
PERMANENTLY REMOVED FROM THE
PROVINCE FOR MORE THAN 60 DAYS
WHICHEVER COMES FIRST MAY IN
VALIDATE THE COVERAGE UNDER THIS
mpLal
I POLICY 1IF IN DOUBT. PLEASE CONSULT
YOUR "MOTORIST KIT OR AGENT 1
IN CONSIDERATION OF THE PREMIUM PAID FOR THIS POLICY AND NOTWITHSTANDING THE PROVISIONS OF SECTION 132 OF THE REGULATION. THE CORPORATION HEREBY
AGREES TO INDEMNIFY THE INSURED TO THE FOLLOWING DECLARED VALUES AND, SUBJECT TO THE DEDUCTIBLE AMOUNTS AND IN ACCORDANCE WITH PART 9 DIVISION 2
OF THE REGULATION FOR LOSS OP DAMAGE TO ALL VEHICLES OWNED BY OR LEASED BY AND LICENCED IN THE PROVINCE OF BRITISH COLUMBIA IN THE NAME OF THE
INSURED AND RENTED FOR A PERIOD NOT EXCEEDING ONE MONTH. OR LEASED FOR A PERIOD IN EXCESS OF ONE MONTH. CAUSED BY CONVERSION THEFT OR CONCEAL
MENT OF THE VEHICLE BY A PERSON IN LAWFU. POSSESSION OF THE VEHICLE UNDER A WRITTEN AGREEMENT
2. 42S01 TOSIS03
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THIS POLICY CONTAINS TERMS WHICH MAY LIMIT THE AMOUNT PAYABLE.
APY SR .011,
100
E APPLICANT INEREN•FTER CALLED THE INSURED HEREBY APPLIES TO THE CORPORATION FOR A POLIC OF LESSEE S ERRORS AND OMISSIONS INSURANCE ANO
HIS APPLICATION SHAL, FORM PART OF THE POLICY OF INSURANCE HEREBY APPLIED FOR WHICH SHALL BE AS FOLLOWS
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NAY[ OF Ramis SURNAME FOLLOREDIR GNENNARLIA
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WHEN VALIDATED AND SIGNED BELOW BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION. THIS APPLICATION BECOMES A POLICY OF INSURANCE
WHEREBY THE CORPORATION AGREES TO INDEMNIFY THE INSURED AGAINST LOSS OA DAMAGE CAUSED BY PERILS SIT OUT BELOW FOR THE FOLLOWING LIMITS OP LIABILITY
AND SUBJECT TO THE FOLLOWING DEDUCTIBLE AMOUNTS IN ACCORDANCE WITH THE TERMS AND CONDITIONS OF THE APPLICABLE PART OF THE REGULATION IN RESPECT
OF ALL LEASED VEHICLES. LICENSED IN BRITISH COLUMBIA IN THE NAME OF THE INSURED AND THE LESSEE. WHICH LIMITS OF LIABILITY AND DEDUCTIBLE AMOUNTS SHALL
APPLY NOTWITHSTANDING THOSE LIMITS OF LIABILITY OR DEDUCTIBLE AMOUNTS INDICATED IA) ON ANY API I, APPS, APV.270 OR APV.17, OR (N ON ANY APV42A RELATING
THERETO RESPECTIVELY. ISSUED AND IN FORCE IN RESPECT OF ANY SUCH VEHICLE. Ng NOT IN ADDITION TO THE LIMITS OP LIABIUTY OA 0/DUCTILE AMOUNTS SET OUT ON
ANY SUCH VALID AND SUBSISTING OWNER S CERTIFICATE OF INSURANCE AND VEHICLE LICENCE OR SPECIAL COVERAGE POLICY (FOAMY. DAMAGE) RELATING THERETO AS
THOSE DOCUMENTS ARE HEREINBEFORE IDENTIFIED BY FORM NUMBER IOR THEIR PREDECESSOR OA SUCCESSOR FORM NUMBER). RESPECTIVELY, UNDER DETAILS (Ai AND IBi
ABOVE
2.
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PREMIUM ITS
c.s. C.IRA 7 SI SI
PROVIDED ALWAYS THAT THE POLICY OP INSURANCE HEREBY APPLIED FOR SHALL SE SUBJECT TO THE SPECIAL TERMS AND CONDITIONS CONTAINED ON THE BACK OF
THIS APPLICATION WHICH SMALL ALSO FORM PART OF THE SAID POLICY AND SHALL BE BINDING UPON THE INSURED
SIGNATURE BY THE INSURED OF THIS APPLICATION ACKNOWLEDGES AU THE TERMS AND CONDITIONS CONTAINED ON BOTH THE FRONT AND SACS $104111 HEREOF AND
DECLARES THAT THE FOREGOING PARTICULARS ARE Wpm AND WHERE (Al THE INSURED IN THIS APPLICATION GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE
CORPORATION OR KNOWINGLY mosnammiscorts OR FAILS TO DISCLOSE IN THIS APPLICATION ANT FACT REQUIRED TO SE STATED HEREIN OR (S) THE INSURED CON
TAAVENIS A TERM OR CONDITION OF THE POLICY OP INSURANCE HERESY APPLIED FOR OR THE REGULATION OR COMMITS A FRAUD, OR (0 THE INSURED vnium.Ly
MAKES A FALSE STATEMENT IN RESPECT Of A CLAIM UNDER THE POLICY OF INSURANCE HERESY APPLIED FOR OR THE REGULATION. ANY CLAM eV THE Homo UNDER
THE SAID POLICY II INVALID AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY THEREUNDER IS FORFEITED (AND IN ADOETTON OR AS AN ALTERNATIVE, WHERE
APPROPRIATE AND APPLICABLE. THE CORPORATION MAY CANCEL THE SAID POLICY PURSUANT TO SECTION NI Of THE REGULATION)
TIME OF VALIDATION
AM
P
APT SS AM IT,
1I U
EXCEPT AS OTHERWISE PROVIDED IN THIS POLICY. ALL LIMITS. TERMS. CONDITIONS. PROVISIONS, DEFINITIONS AND EXCLUSIONS OF THE
REGULATION. SHALL APPLY WITH FULL FORCE AND EFFECT TO THIS POUCY.
IN WITNESS WHEREOF, THE CORPORATION HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE OFFICER
BUT THE SAME SHALL NOT BE BINDING UNTIL VALIDATED AND SIGNED ON THE FRONT SIDE HEREOF BY AN AGENT OR OTHER AUTHORIZED
REPRESENTATIVE OF THE CORPORATION
NAPE OF AGENT
2. ARE ALL THE VEHICLES FORMING THE PROSPECTIVE FLEET RATED FOR BUSINESS AND 10A, COMMERCIAL USE'
YES NO
(IF , THOSE VEHICLES THAT ARE NOT SO RATED CANNOT QUALIFY FOR FLEET STATUS
3. ARE ALL PROSPECTIVE FLEET VEHICLES REGISTERED OR LEASED IN THE NAME OF THE APPLICANT
OR A WHOLLY OWNED SUBSIDIARY COMPANY' YES NO
— IF "YES , LIST THE NAMES OF ANY SUCH SUBSIDIARY COMPANIES BELOW
— IF • NO LIST THE NAMES OF ALL OTHER REGISTERED OWNERS AND LESSEES 511010
OF NO , THOSE VEHICLES WHICH ARE REGISTERED OR LEASED IN THE NAMES Of OTHERS MAY NOT BE ELIGIBLE FOR FLEET STATUS I
NAIVE NAME
BF THE ABOVE SPACE 16 INSUFFICIENT, ATTACH AN ADDITIONAL LIST OF SUBSIDIARY COMPANIES. OTHER REGISTERED OWNERS AND LESSEES. AND NON REGISTERED
TRUE OWNERS OR LESSEES. IF ANY I
4. WAS THERE A PREVIOUS FLEET OPERATING UNDER APPLICANTS CONTROL. OUT UNDER A DIFFERENT NAME' YES NO
5. DID ANY OF THE PROSPECTIVE FLEET VEHICLES OR THEIR REGISTERED OR NON REGISTERED OWNERS OR
LESSEES FORM PART OF A PREVIOUS FLEET' YES NO
6. OW THE APPUCANT QUALIFY FOR FLEET STATUS DUPING THE PAST INSURANCE YEAR/ YES NO
— if "YES EXPLAIN WHY FLEET STATUS
WAS NOT PREVIOUSLY APPLIED FOR
B ARE THERE ANY DIRECTORS. PARTNERS OR OTHER INDIVIDUALS HAVING EFFECTIVE CONTROL OF THE
APPLICANT, WHO ALSO HAVE HAD EFFECTIVE CONTROL Of ANY OTHER FLEET OPERATOR PAST OW PRESENT , YES NO
— IF -YES . STATE THE NAMEISI of ALL SUCH INDIVIDUALS AND STATE
THE NAMEISI AND IDENTITY NuMBERSI OF ALL SUCH FLEETS
A Ds. As OVA •
SPECIAL OWN DAMAGE INSURANCE POLICY riINSURANCE
...ESC Ref
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SIGNATURE OF THIS POLICY BY THE INSURED AND WHEN APPLICABLE ALL PURLS ON COLLOR:Ps DIRK TOLE ANNUAL PREMIUM
THE PRINCIPAL OPERATOR. ACKNOWLEDGES ALL THE TERMS AND OWN
CONDITIONS OF THIS POLICY AND RIDER AND DECLARES THAT THE
FOREGOING INFORMATION IS TRUE AND WHERE TAI AN APPLICANT FOR
DAMAGE •• s1 , I 1 1 • 1 I
/PART 9 IPICHNO Roil DID COmIRMHENLy1 DO T
THIS POLICY AND RIDER OR THE INSURED OR PRINCIPAL OPERATOR DIVISION
GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION
OR ENOWINOLY MISREPRESENTS OR FAILS TO DISCLOSE IN THE 1 , ICJ 1 1_ , I I
DECLARATION ANY FACTS REQUIRED TO BE STATED HEREIN OR III TOTAL ANNUAL PREM.
THE INSURED OR PRINCIPAL OPERATOR CONTRAVENES A TERM OF THE
POLICY OR THE REGULATION OR COMMITS A FRAUD OR ICI THE INSURED 1 3 1 I
OR PRINCIPAL OPERATOR WILLFULLY MAKES A FALSE STATEMENT IN
RESPECT Of A CLAIM UNDER THE POLICY OR THE REGULATION, ANY CsAlisAato
CLAIM BY THE INSURED IS INVALID AND THE RIGHT OF THE INSURED TO 0 11111 11100.01111
I TRECTAPH,BACTWOE
RECOVER INDEMNITY IS FORFEITED IAND IN ADDITION OR AS AN
ALTERNATIVE. WHERE APPROPRIATE AND APPLICABLE. THE CORPORATION $
1 I % 1 t 1s 1
MAY CANCEL THE SAID POLICY PURSUANT TO SECTION 56 OF THE
REGULATION;
PLUITRANDOC PUICRLAR UPC REIMAN MK*WC
$
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APPLICATION FOR A POLICY OF MOTORCYCLEINSURANCE
OWN DAMAGE INSURANCE CORPORA-10N
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' AND COMMONS ON TN( POLK.. THAT MAY OS MOLD AND MCLANE HAAT TA! POPPOOING ANSMIIII API TOW •NO rod PE
Ai AN A.R.L.CANT ON RdmadOOAL 0111410• IN m$ APPLICATION POP A POI.ICY SALES TAUS PARTICULARS TO THE PPILMOACI Of TN"
ooseorunOld on sodownons,v unIAIPPESINTS ON PALS TO CASCLOM od TAN AM-CATION ANY PACT PICIUMED TO SI STATED PIPER! OP
Si TA! INSuPED CONTRA.' 44444 ITN Of TN! AMC., THAT AT 11( ISMS!, PUPV.IAMT TO THIS APPLICATION OP TN! REVISED REGULATION MSc
punsu■ de TO TN( INUMANCIROOTOP YINICL! ■ ACT OP COMMITS • • II•u0 IN IMVICT Of TN! POLICY POMMY !MAO POP OP
0 THE *MA( 0 WILLFULLY MAMAS • PALM AAAAA talk, IN IMISPIICT Of • CLAIM UPON MAR POLICY THAT NAY SI *WED NJAWANT
TO TINS APPLICATION CP THE IMINSIO IllGuLATION MGM ON/PISmANT TO TN, MIAOSTMCI IMOTOP PINKAPI ACT
ANT CLAIM ST THE PoSURI 0 uNDE A Idol POUCH TON WO. miluRANC.4 IRA's SI *WALK/ AM) PM MEMO Of MI! IMISM! D TO MECOPIP
INCHIMMTV SPAS IM POIMPTIO
ANN 171 ps.n, WHITE CSC AUTOPLAN UNDERWRITING COPY, YELLOW AGENT'S COPY
1_14
OF BRITISH COLUMBIA
(HEREINAFTER CALLED THE CORPORATION)
r
INSURING AGREEMENT
The Corporation agrees lo indemnify t he Insured in accordance with the application and Part 9. Division 2 of the Regulation, in respect
of the motorcycle described on the Special Own Damage Insurance Policy to which this Rider is attached for Own Damage Extension
Insurance as Set Out on the front of the Special Own Damage Insurance Policy. and for which a premium is specified, but indemnity is
subject to the Special Terms. Conditions and Limitations set Out below
WARNING!
USE OF THE DESCRIBED VEHICLE (1) BY PERSONS OR FOR PURPOSES
NOT PERMITTED BY THE RATE CLASS SHOWN, OR (2) OUTSIDE BRITISH
COLUMBIA IN INSTANCES WHERE (A) THE VEHICLE IS REGISTERED AND
LICENSED IN ANOTHER JURISDICTION, (B) THE LAW OF ANOTHER
JURISDICTION REQUIRES THAT IT BE REGISTERED AND LICENSED
THERE, OR IC) IT HAS BEEN PERMANENTLY REMOVED FROM THE PROV.
INCE FOR MORE THAN 60 DAYS, WHICHEVER COMES FIRST, MAY
INVALIDATE THE COVERAGE UNDER THE OWNER'S CERTIFICATE OF
INSURANCE (IF IN DOUBT, PLEASE CONSULT YOUR "MOTORIST KIT" OR
AGENT.)
VALUED POLICY APPRAISAL FORM
(ATTACHED TO AND FORMING PART OF THE APPLICATION)
INSURANCE
CORPORATION
I1 ., MI52
POI1A. CODE
11111
NOD.. .1.". 1,1••( MODEL 1100,STYLE
YIP C1.1
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PART II (TO SE COMPLETED IV 1CBC APPRAISER
• SPECIFIC MODIFICATIONS —
(IICLUGNO CAMPERS CANOPY AND TWOWAY RADIO WHICH MUST BE INSURED ST A SPECIAL EOUIPMENT ENDORSEMENT APYAH LC.S.C. USE ONLY
oiscoNno.•
MATIVACTI.1/11. S RANI TEAR of ITEM 11C I XP
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APPRAISERS EVALUATION OP
saooiricAnotts NWT EXCEE01110* SI
INDICATE THE STATED VALUE OP THE VEPICLE INCLUDING MODIFICATIONS (E.CtilDNFO CAMPER. CANOPY AND TWO WAY RADIO
$1 1 4 1
SKINIATMME OP APRA/AIN Pi KANDE NIANII• IMAM CINTAI LOCATION DATE
RR,.STIR R.
APPLICATION FOR A VALUED POLICY OF VEHICLE [I INSURANCE 11h
OWN DAMAGE INSURANCE CORPORATION
IRITRAIT YALARIA
•••'1. ..1 '.■ •
APV153
PHOTOCOPY OF INSURED S CURREN' CERTIFICATE OF INSURANCE MUST BE ATTACHED TO THIS APPLICATION
I
100.8.,
1
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3 DRIVING RECORD OF INSURED ANOKA ALL OPERATORS VET ALL CLAIMS. ACCIDENTS. AND OONVICTIONS root THE PAST FOUR YEARS)
DA
NAME OF MAMA GAT MONTH TEAR DETAILS
11111
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11111.
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Koh vi HAKE Moat SOOT EMI VEHICLE WEINNFIGATIONFIIINAu NAUSEA AmEIETAATON MANUA
14
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SIGNATURE Ely THE INSuRED ACKNOWLEDGES ALL THE TERMS AND CONDITIONS OF THIS APPLICATION AND THE POLICY THAT MAY SE ISSUED AND DECLARES THAT THE
FOREGOING ANSWERS ARE Tau( AND WHERE
A THE INSWIEO IN THIS APPLICATION FOR A POLICY GIVES F PARTICULARS TO THE PREJUDICE OF THE CORPORATION. 00 KNOWINGLY MISREPRESENTS OR PAILS TO
DISCLOSE IN THIS APPLICATION ANY FACT REQUIRED TO SE STATED HERM
OR
S THE INSURED CONTRAVENES A TERM OF THE POLICY THAT MAT SE ISSUED PURSUANT TO THIS APPLICATION. OR THE REVISED REGULATION PURSUANT TO THE
INSURANCE (MOTOR VEHICLE) ACT OR COMMITS A FRAUD IN RESPECT OP THE POLICY HERESY APPLIED FOR.
OR
• THE INSURED WILLFULLY MAKES A FALSE STATEMENT IN RESPECT OF A CLAIM UNDER THE POLICY THAT MAY SE ISSUED PURSUANT TO THIS APPLICATION OR THE
REVISED REGULATION (INA, PURSuAN' TO THE INSURANCE MOTOR VEHICLE) ACT .
ANY CLAIM B. THE INSURED UNDER THE POLICY FOR SUCH INSURANCE SHALL SE INVALID. AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY SHALL SE FORFEITED
*Ay ISO x6 PS
r
iii
hj Of BRITISH COLUMBIA
rINACTER CALLED THE CORPORATION
INSURING AGREEMENT
The Corporation shall Indemnify the Insured during the term of the Special Own Damage Insurance Policy to which this Rider is
attached, for the amount by which either,
(A) The actual cash value at the time of accident's, loss or damage to the vehicle modllIcatIona, as described In the appraisal form
and valued as set Out On the lace of the Special Own Damage Insurance Policy to which this Rider Is attached, (except loss or
damage resulting In the total loss or constructive total loss of the entire vehicle described In this policy), or
181 The staled value of the entire vehicle as described In the appraisal form and set out on the face of the Special Own Damage
Insurance Policy to which this Rider is attached. where accidental loss or damage results In the total loss Or Constructive Iota'
loss of the entire vehicle described in this policy
exceeds the amount of indemnity arising from accidental loss or damage to the described vehicle and payable to the Insured in
accordance with Own Damage Coverage in force pursuant to a valid and subsisting owners certificate under Part 9, Division 2 of
the Regulation
Indemnity pursuant to IA) or 181 shall not apply to a camper, canopy or to a two-way radio.
Indemnity for each accident giving rise to a claim pursuant to the Special Own Damage Insurance Policy to which this Ride, is
attached. is limited to the amount by which the claim exceeds the applicable deductible amount as provided for on the Special Own
Damage Insurance Policy to which this Rider is a,tached
I It is a condition precedent to indemnity pursuant to this policy that a valid and subsisting owner's certificate be issued to the
Insured and remain in force for the term of this policy, providing Own Damage Coverage to the vehicle described in this policy
pursuant to Part 9. Division 2 of the Regulation, which Own Damage Coverage and applicable deductible amount shall be
Concurrent with Own Damage Coverage provided pursuant to this policy. When concurrent own damage coverage is in force, a
single deductible amount shall be applicable to a single accident causing loss at or damage to the motor vehicle or the modili
cations to the vehicle as insured by this policy, which Single deductible Shall be applied according to the applicable Terms and
Conditions of Part 9. Division 2 Of the Reguiation
2 jai Failure of the Insured to promptly notify the Corporation in writing Of any Change to the vehicle that constitutes a change
material to the insured risk and that is w thin the knowledge of the Insured, shall entitle the Corporation to wholly or partly
deny indemnity pursuant to the policy.
(b) Without restricting the generality of the foregoing, the words "Change Material to the Risk" Includes.
(i) Any change in the insurable interest of the Insured in the described vehicle by Sale, assignment or transfer or arising
from death or bankruptcy,
(in Placing of any other insurance of the same interest, whether valid or not, covering loss or damage wholly or partially
insured by triis policy.
(iii) A change in the equipment or condition of the vehicle resulting from the addition of or removal of part of the vehicle
so that the description and evaluation of the vehicle would materially differ from the Information contained in the
appraisal form attached hereto
Except as otherwise provided in this policy, all Limits, Terms, Conditions, Provisions, Definitions and Exclusions of the Regulation
Shall apply to this policy
WARNING!
USE OF THE DESCRIBED VEHICLE (I) BY PERSONS OR FOR PURPOSES
NOT PERMITTED BY THE RATE CLASS SHOWN, OR (2) OUTSIDE BRITISH
COLUMBIA IN INSTANCES WHERE (A) THE VEHICLE IS REGISTERED AND
LICENSED IN ANOTHER JURISDICTION, (B) THE LAW OF ANOTHER
JURISDICTION REOUIRES THAT IT BE REGISTERED AND MEWED
THERE, OR (Cl IT HAS BEEN PERMANENTLY REMOVED FROM THE PROV.
INCE FOR MORE THAN 60 DAYS, WHICHEVER COMES FIRST, MAY
INVALIDATE THE COVERAGE UNDER THE OWNER'S CERTIFICATE OF
INSURANCE. (IF IN DOUBT, PLEASE CONSULT YOUR "MOTORIST KIT" OR
AGENT I
INCOME REPLACEMENT POLICY E INSURANCE
INCLUDING DEATH BENEFITS
..ms<• MO NASD.,TC SIO•Om Tml •I MD I , wfm
CORPORATION
(IIIRIINI11111•1111‘
110
•NE 4S HANG( NOT:. . • • NE 11 mm . 10 C• .I IS II, • m •m •I ••'''• • ••• '• •
THE APPLICAN T )HEREINAFTER CALLED THE INSURED) HEREBY APPLIES TO THE CORPORA 11(11i I ON AN INCOME REPLACEMENT POLICY INCLUDING
DEATH BE•.EF '(.05 APPL(CAT•j% SoNA,t, Foam PART OF THE POLICY GI INSUFTANC,E HINER( APPLIED FOR WHICH SMALL BE AS FOLLOWS
I I 1 1 a 1 . . 1 ) i I i i I I 4 11 4 1 iiiii
1 1 I I 1 1 i 1 IIIIIIIIIE 1 1 1 Eilll
AWACS' Of HISLIAID
I I 1 I 1 1 I. I. I I I III iiiii I I 1
I 1 1 1 l 1 I 1 I I I I I L 1 l I I I I lllll
I 1 I I 1 I I 1 I I I 1 1 A I I I I I I I I I
GT, MODYNCE POSTAL COOP
IIIIIIIIIIIIIII 1 1 I I I 1 I 1 1
N•Mf 0 0•E AMC. 5014101 f 06LONED II, 0 , 111 NAME i ■
f ft ■ 1
IN CONSIDERATION OF THE PREMIUM PAID FOR THIS POLICY AND SUBJECT TO THE TERMS AND CONDITIONS SET OUT HEREAFTER,
WHERE AN INSURED PERSON, OR AN OCCUPANT. AS EITHER IS DEFINED ON THE BACK HEREOF, IS INJURED OR DIES AS THE RESULT
OF AN ACCIDENT FOR WHICH THE CORPORATION SHALL PAY BENEFITS ACCORDING TO PART I OF THE REGULATION, THE CORPOR
ATION AGREES TO PAY THE BENEFITS DESCRIBED BY OPTION NUMBER BELOW UNDER THE HEADING ''EXTRA BENEFITS", WHICH
OPTION NUMBER IS THE NUMBER SET OUT BELOW IN THE BOX ENTITLED "OPTION TAKEN" AND DETERMINED BY REFERENCE TO THE
AMOUNT OF THE PREMIUM PAID TO THE CORPORATION AS CONSIDERATION FOR THIS POLICY BUT THE BASIC BENEFITS PAYABLE
TO AN INSURED UNDER PART 7 OF THE REGULATION ARE PRIMARY BENEFITS AND THE BENEFITS PAYABLE UNDER THIS POLICY ARE
BENEFITS PAYABLE TO AN INSURED PERSON OR AN OCCUPANT AS EXCESS BENEFITS OVER THE BASIC BENEFITS
EXTRA BENEFITS
DESCRIPTION OF
BENEFITS OPTION
OPTION 1 OPTION? CP T, : T
WEEKLY BENEFI'
TOTAL. EliSAIlLiTT BENEFIT $ 150 250 350 $ 400
(SECTION BO
CAS* SI i St I
BENEFITS UNDER THIS POLICY ARE PAYABLE SUBJECT TO THE SPECIAL TERMS AND CONDITIONS CONTAINED ON THE BACK
HEREOF WHICH FORM PART OF THIS POLICY AND ARE BINDING UPON AN INSURED PERSON .
Any 151105
I 1:1
IN ADDITION TO THE INSURING CLAUSE AND OTHER TERMS AND CONDITIONS SET OUT ON THE FRONT OF THIS POLICY, THE
FOLLOWING TERMS AND CONDITIONS APPLY TO THIS POLICY
,,, WHERE THE NAMED INSURED Is AN INOIvIDUAL ANY VEHICLE OWNED BY LEASED TO OR ASSIGNED TO AND PRINCIPALLY OPERATED BY THE
NAMED INSURED HIS SPOUSE OR DEPENDENTS AS DEFINED IN THIS POLICY.
121 ANY OTHER VEHICLE OWNED BY OR LEASED TO THE RAMED OPERATOR OR OWNED IT. LEASED TOOK ASSIGNED TOANCIPRITACiPALLy
OPERATED BY THE NAMED OPERATOR S SPOUSE O. DEPENDENT AS DEFINED IN THIS POLICY
o) THE PERSON SHOWN AS THE NAMED INSURED ON THE FRONT OF THIS POLICY WNEPE THAT PERSON IS AN INDIVIDUAL
1,., THE PERSON SHOWN ON THE FRONT OF THIS POLICY AS THE NAMED OPERATOR WHERE THE NAMED INSURED IS NOT AN INDIVIDUAL
THE SPOUSE OR A DEPENDENT OF A PERSON DESCRIBED IN iv OR IN WHERE THE PRINCIPAL SOURCE OF FINANCIAL SUPPORT OF THE DEPEN-
DENT IS PROVIDED BY ONE OF THE PERSONS DESCRIBED INKIOR PR AND WHERE THE SPOUSE OR THE DEPENDENT ORDINARILY RESIDE IN THE-
SAME DWELLING UNIT AS ONE OF THE PERSONS DESCRIBED IN PI OR PG
,L A PERSON DE SCR-BED IN •
WHEN ENTITLED TO COL/PE Ns•T1ON UNDER SECTION 19 0R SECTION 23 OF THE INSURANCE MOTOR VEHICLE( ACT
OCCUPANT MEANS
A PERSON OTHER THAN • PERSON DESCRIBED IN PARAGRAPH MI OF THE DEFINITION OF AN INSURED PERSON WHILE OPERATING RIDING IN
OR UPON OR ENTEPN:. IN•C. OR A..;.H'r',r, FROM RI. ,NSURED VEHICL E
A PERSON OTHER H•N • PERSON DESCRIBED IN PARAGRAPH U, OF THE DEFINITION OF AN INSURED PERSON WHO WHILE A PEDESTRIAN OR
WHILE IN OR ON PREMISES OR RIDING A CYCLE IS STRUCK DT AN INSURED VEHICLE
2 THE INCOME REPLACEMENT BENEFITS PAIABLE TO AN INSURED PERSON OR AN OCCUPANT UNDER THIS POLICY EITHER ALONE OR JOINTLY WITH ANY
0,qm, P L AN OR H;,./CT SHA L L F 7_E ED AN AM ",,TN` 'HAT /5 MORE THAN T5'. OF THE 4P055 WEEKLY INCOME OF THE INSURED PERSON OR OC
CUPAN •
THE INCOME REPLACEMENT OR DE ATH BENEFITS RECEIVED BY AN INSURED PERSON OR AN OCCUPANT INSURED UNDER THIS POLICY SHALL BE
DEDUCTED PURSUANT TO SECTION 24 OF THE INSURANCE (MOW* VEHICLE) ACT FROM ANY CLAIM FOR DAMAGES THAT THE INSURED PERSON °ROC
CLIPANT HAS AGAINST ANOTHER PERSON BECAUSE OP THE LOSS OR INJURY FORWNICH THE INCOME REPLACEMENT ORMAN BENEFITSUNDER THIS
POLICY ARE PAD
• NO INCOME REPLACEMENT OR DEATH BENEFIT AFFORDED BY THIS POLICY SMALL SE PAID TO AN INSURED PERSON OR OCCUPANT UNLESS AND UNT IL
THE INSURED PERSON OR OCCUPANT HAS COMPLIED WITH ANDRAS BEEN PAID AN ACCIDENT BENEFIT PURSUANT TO PART T OF THE REGULATION
5 WHERE AN INSURED PERSON OR OCCUPANT IS PROTECTED IT MORE THAN ONE VALID ENFORCEABLE INCOME REPLACEMENT INCLUDING DEATH
BENEFITS POLICY THE CORPORATION SHALL ONLY PAY INCOME REPLACEMENT OR DEATH BENEFITS TO AN INSURED PERSON OR OCCUPANT OUR
sum., TO THE TERMS AND CONDITIONS OF ONE INCOME REPLACEMENT INCLUDING DEATH BENEFITS POLICY. HO MATTER ROW MANY INCOME
REPLACEMENT AND DEATH BENEFITS POLICIES ARE THEN IN FORCE WITH RESPECT TO THE INSURED PERSON SOR OCCUPANT S CLAIMS TOR INCOME
REPLACEMENT OR DEATH BENEFITS
Ev:EPT WORE OTHERWISE PROVIDED ALL TERMS CONDITIONS AND PROVISIONS DEFINITIONS AND EXCLUSIONS OF PART I OP THE REGULATION
SHALL CONTINUE TO NAVE FULL FORCE AND EFFECT WITH RESPECT TO THE INCOME REPLACEMENT AND DEATH ITS MOM MY THIS racy
11IIIIIIIIIIIIIIIIIIIIIIII
ADOAIMOP GNARLED
IIIIIIIIILEIIIIIII__IIIIII II
I I I I I I I I I I I I I I I I III II_E EL
ca. PROHEECI AOSTAL COOK
I IN ooNsIDER•tiON OF THE PREMIUM PAID BY THE NAMED INSURED FOR THIS POLICY, AND SUBJECT TO THE TERMS. CONDITIONS AND LIMITATIONS of THE POLICY THE
CORPORATION AGREES TO INDEMNIFY THE PERSONS DESCRIB 0 BELOW WHILE USING OR OPERATING A VEHICLE WITH THE APPROVAL OR AUTHORITY OF THE NAMED
INSURED PROVIDED THAT AT THE TIME OF SUCH USE OR OPERATION SUCH PERSONS ARE TRANSACTING OR CONDUCTING THE BRITISH COLUMBIA OPERATIONS OF THE
NAMED INSURED
'al AN OFFICER OR EMPLOYEE OF THE NAMED INSURED WHO WHILE IN THE COURSE OF HIS EMPLOYMENT. USES OR OPERATES EITHER HIS OWN VEHICLE OR WITH
pERLYss.oN AND CONSENT A VEHICLE OWNED B. ANOTHER IF NOT THE NAMED INSURED OR
am A VOLUNTEER PERSON WHO IS NOT AN OFFICER OR EMPLOYEE OF THE NAMED INSURED. AND WHO ACTS ON BEHALF OF OR ASSISTS THE NAMED INSURED WHILE
USING OR OPER•TINC. EITHER HIS OwN VEHICLE OR A VEHICLE OWNED BY ANOTHER IF NOT THE NAMED INSURED WITH THE PERMISSION AND CONSENT OF THE
OvvNE. OR
ICI THE OWNER. IF NOT THE NAMED INSURED OF THE VEHICLE USED OR OPERATED WITH THE PERMISSION AND CONSENT OF SUCH OWNER WHERE NEITHER THE
OFFICER OR EMPLOYEE DESCRIBED IN (au NOR THE VOLUNTEER PERSON DESCRIBED IN (IN IS THE OWNER OF THE VEHICLE USED OR OPERATED
IA Az.c■ DE NT BENEFITS AS SET OUT IN AND LIMITED Br DART 7 0,THE REGULATION IF NO OTHER CER'TI:ATE OR POLICY AFFORDS ACCIDENT BENEFITS TO THE
VICTIM OF THE ACCIDENT TO WHICH THIS POLICY ALSO APPLIES
ID, ERCESS THIRD PARTY LEGAL LIABILITY AS SET OUT IN AND LIMITED BY PART HOF THE REGULATION FOR LEGAL LIABILITY FOR DEATH. BODILY INJURY OR PROPERTY
DAMAGE. INCLUSIVE OF ADJUSTING EXPENSES. LEGAL EXPENSE. INTEREST OR COSTS
III THAT EXCEEDS THE LIMIT OF LIABILITY FOR THIRD PARTY LEGAL LIABILITY. SET OUT EITHER IN THE UNDERLYING OWNERS CERTIFICATE OR OTHER UNDERLYING
CERTIFICATE ISSUED IN ACCORDANCE WITH THE REGULATION OR ANY OTHER VALID AND SUBSISTING UNDERLYING POLICY OF INSURANCE. OR ANY COMBINATION
OF UNDERLYING POLICY AND CERTIFICATE. ISSUED IN RESPECT OF THE VEHICLE OWNED OR OPERATED BY THE OFFICER, OR EMPLOYEE. OR VOLUNTEER, OR
OTHER OWNER IF NOT THE NAMED INSURED AFFORDED INDEMNITY BY THIS POLICY. AND.
A NO EXCESS INDEMNITY SHALL BE AFFORDED BY THIS POLICY IN RESPECT OF ACCIDENT BENEFITS OR THIRD PARTY LEGAL LIABLITY INDEMNITY THAT IS OR MAY BE
AFFORDED EITHER BY AN UNDERLYING OWNERS CERTIFICATE OR OTHER CERTIFICATE ISSUED IN ACCORDANCE WITH THE REGULATION. OR BY ANY OTHER VALID
AND SUBSISTING UNDERLYING POLICY OF INSURANCE. OR A POLICY OF NON OWNED LIABILITY. INDEMNIFYING AN OFFICER, OR EMPLOYEE, OR VOLUNTEER. IN RESPECT
OF THE USE OR OPERATION OF THE VEHICLE TO WHICH THIS EXCESS POLICY ALSO APPLIES
S NO INDEMNITY SHALL BE AFFORDED BY THIS EXCESS POLICY IF AT THE DATE AND TIME OF THE OCCURRENCE OF LOSS OR DAMAGE TO WHICH THIS POLICY APPLIES .
THE OFFICER. OR EMPLOYEE OR VOLUNTEER. OR OTHER OWNER IS IN BREACH Of THE TERMS. EXCLUSIONS OR CONDITIONS Of THE UNDERLYING OWNERS MEM.
CATE DESCRIBING THE VEHICLE INVOLVED IN THE ACCIDENT, OR OTHER CERTIFICATE ISSUED IN ACCORDANCE WITH THE REGULATION. OR BY ANY OTHER VALID
AND SUBSISTING UNDERLYING POLICY OF INSURANCE. OR A POLICY OF NONOWNED LIABILITY INDEMNIFYING AN OFFICER, OR EMPLOYEE. OR VOLUNTEER. IN RESPECT
OF THE USE OR OPERATION OF THE VEHICLE TO WHICH THIS EXCESS POLICY ALSO APPLIES
B EXCEPT AS SET OUT IN THE POLICY ALL LIMITS. TERMS. CONDITIONS. PROVISIONS, DEFINITIONS AND EXCLUSIONS of THE REGULATION SHALL HAVE FULL FORCE AND
EFFECT
SIGNATURE BY THE INSURED OF THIS POLICY ACKNOWLEDGES ALL THE TERMS AND CONDITIONS CONTAINED HEREIN AND DECLARES THAT THE FOREGOING PART,
CULARS ARE TRUE AND WHERE (A) THE INSURED IN THIS POLICY GNU FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR KNOWINGLY MISREPRESENTS
OR FAILS TO DISCLOSE IN THIS POLICY ANY FACT REQUIRED TO BE STATED HEREIN. OR NI THE INSURED CONTRAVENES A TERM OR CONDITION Of THE POLICY OF
INSURANCE OR THE REGULATION OR COMMITS A FRAUD, OR EC) THE INSURED WILLFULLY MAKES A FALSE STATEMENT IN RESPECT Of A CLAIM UNDER THIS POLICY OF
INSURANCE OR THE REGULATION. ANY CLAIM BY THE INSURED UNDER THE SAID POLICY IS INVALID AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY
THEREUNDER IS FORFEITED IAND IN ADDITION OR AS AN ALTERNATIVE . WHERE APPROPRIATE AND APPLICABLE. THE CORPORATION MAY CANCEL THE SAID POLICY
PURSUANT TO SECTION SO OF THE REGULATION,
APPLICANT (HEREINAFTER CALLED THE NAMED INSURED( HEREBY APPLIES TO THE CORPORATION FOR A POLICY OF CON
TINGENT LIABILITY INSURANCE. AND THIS APPLICATION SHALL FORM PART OF THE POLICY OF INSURANCE HEREBY APPLIED
FOR WHICH SHALL BE AS FOLLOWS
I 111111111111111111 11111111
•DO.ESS INAL11E0
1/1111111111111111
1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1
111111111111 1 1 1
Cr NicroNtt POSTAL COCA
1 1 1 1 1 l I 1 1 I 1 1 1 l 1 1 I 1 1111
IN CONSIDERATION OF THE PREMIUM PAID TO THE CORPORATION FOR THIS POLICY OF CONTINGENT LIABILITY INSURANCE
WHEN THIS APPLICATION IS VALIDATED AND SIGNED BY AN AGENT OF THE CORPORATION, IT IS AGREED, IN ACCORDANCE WITH
THE TERMS AND CONDITIONS ON THE FRONT AND BACK OF THIS POLICY, THAT WHERE THE NAMED INSURED AS OWNER OF THE
VEHICLE IS VICARIOUSLY LIABLE FOR DAMAGES DIRECTLY ARISING FROM AN ACCIDENT OCCURRING DURING THE TERM OF THIS
POLICY RESULTING FROM THE USE OR OPERATION WITH THE PERMISSION AND CONSENT OF THE NAMED INSURED OF A VEHICLE
TO WHICH THIS POLICY IS APPLICABLE AND WHERE THE LESSEE OF THE VEHICLE AT THE TIME OF THE ACCIDENT HAD FAILED TO
OBTAIN OR KEEP IN FORCE FOR THE DURATION OF THE TERM OF THIS POLICY AN UNDERLYING OWNER'S CERTIFICATE OF
INSURANCE PROVIDING THIRD PARTY LEGAL LIABILITY INSURANCE ON AN OWNER'S CERTIFICATE ISSUED JOINTLY TO THE
NAMED INSURED AND THE LESSEE OF THE VEHICLE FOR A LIMIT OF LIABILITY NOT LESS THAN THE LIMIT OF LIABILITY FIXED FOR
THIS POLICY. THEN THE CORPORATION SHALL INDEMNIFY THE NAMED INSURED. AFTER ALLOWANCE FOR THE DEDUCTIBLE
AMOUNT SET OUT IN THIS POLICY AND ANY COINSURANCE PAYABLE BY THE NAMED INSURED, FOR DAMAGES FOR WHICH THE
NAMED INSURED AS THE VEHICLE OWNER IS VICARIOUSLY LIABLE, ARISING IN THOSE SITUATIONS THAT ARE DESCRIBED IN
CONDITION 10 SET OUT ON THE BACK OF THIS POLICY.
THIS POLICY OF INSURANCE SHALL BE SUBJECT TO THE SPECIAL TERMS AND CONDITIONS CONTAINED ON THE BACK OF THIS
POLICY, WHICH SHALL ALSO FORM PART OF THIS POLICY AND SHALL BE BINDING UPON THE INSURED.
SIGNATURE BY THE NAMED INSURED OF THIS POLICY ACKNOWLEDGES ALL THE TERMS AND CONDITIONS CONTAINED ON BOTH
THE FRONT AND BACK OF THIS POLICY AND DECLARES THAT THE FOREGOING PARTICULARS ARE TRUE, AND WHERE (A) THE
NAMED INSURED IN THIS POLICY GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR KNOWINGLY MIS.
REPRESENTS OR FAILS TO DISCLOSE IN THIS POLICY ANY FACT REQUIRED TO BE STATED HEREIN, OR (B) THE NAMED INSURED
CONTRAVENES A TERM OR CONDITION OF THIS POLICY OF INSURANCE OR THE REGULATION OR COMMITS A FRAUD, OR (C) THE
NAMED INSURED WILLFULLY MAKES A FALSE STATEMENT IN RESPECT OF A CLAIM UNDER THIS POLICY OR THE REGULATION,
ANY CLAIM BY THE NAMED INSURED UNDER THIS POLICY IS INVALID AND THE RIGHT OF THE NAMED INSURED TO RECOVER
INDEMNITY THEREUNDER IS FORFEITED (AND IN ADDITION OR AS AN ALTERNATIVE, WHERE APPROPRIATE AND APPLICABLE,
THE CORPORATION MAY CANCEL THIS POLICY PURSUANT TO SECTION 58 OF THE REGULATION).
TIME CM VALIDATION
AM
PM
• e .. • •.•:, y•• • • ,,••,,, $.4 St.■•••.:IF TIELA/TRED CA IACH ANTE RITE...0 OWNER S CEP , TCAEE Or INSEJNA /CI •EPT • • ILA VA T EIHCLE
• N••• E NTA T TJNOIN THE KOOS. Cfm. T NANA TIAD,O. VEHICLE Art ANN• . • IN THE NAME Of THE NAMED INSURED AND THE MAI ...ALL RE AHED SE
•HL • . A DON:OTON JE THE S T AN:M*1. TORTA Dr .SASE AGREEMENT BETWEEN THE NAMED INSURED AND THE LESSEE NH YAW
• tH IT WHICH •...s.0.0:y IS APPLICABLE AND BF NOY LESS 1H AN THE LIMIT OF L . EINITET SHOWN ON THE FRONT OF THIS NOLIcy
5 ATTE...ED TO TIN'S POLICE IS A COAT OP EACH FORM of sT•NDAN3 FONTEIN ...EASE AGREEMENT CUSIPENTLY IN USE SE THE NAMED INSURED TO LIME A VEHICLE 1",
• Liss, I WHEW IHE VEHICLE IS A VEHICLE TO WHICH THIS POLIO •FIAL ...ABLE THE CORPORATION SHALL BE T HME0.•T ELY NOTIFIED OF ANTI CHANGE. DALE TON
• •( THt. LANGUAGE Os ANY O. THE ATTACHED AGREEmENTN 0 ANY ADDITION TO OR DELEY.T.N FROM THE NUMBER Or ATTACHEC S,ANomso
• •.o rorr to, T 7. LEASE OE THE NAMED ...No.!:
• THEN( SHALL SE ma ANE•T E OF THE NAMED INSURED ANDER THIS NU . ICT ONLI WHEAT A LESSEE ITS OFFICERS OH EMPLOYEES. PANS TO OBTAIN DA HELP IN r ok -t
Fu•TEMpulIA•iGN O. INF TERM 'Jr THIS POLICY uNDEPTE.ND INSURANCE AS PEOUT.E0 INY THE LEFIAE AGREEMENT BETWEEN THE NAMED INSURED AND THEE LESSEE
ACc011oNliquIEE 0,THE S'ANDAHO AGREEMENT FORMS ATTACHED TO ENG POLICE IN AGCONOANC WITH CONDITION S. THE UNDERLYING INSURANCE TO 61 FOR
A LIMIT OPE., NAY SOT LESS THAN THE LIMIT Or LIABILITY OP THIS POLICE
4, • LEASED VEHICLE TO THIS POLICY IS APPLICABLE SHALL NOT BE DELIVERED TO THE LESSEE BY THE NAMED INSURED WITHOUT THE NAMED INSURED
r ■NGT HAVING OBTAINED FROM THE LESSEE THE FOLLOWING DOCUMENTS
w AN UNDERTAKING SIGNED SE THE LESSEE SUM S INSURANCE UNDERTANINGT THAT THE LESSEE WILL DETAIN AND SW EN PEACE (Mop THE TERM OF THIS
POLICE JOAO ,. ■ IN THE NAME 0,THE NAMED INSURED AND THE LESSEE AN UNDERENNO OWNER S CERTIFICATE OF INSURANCE NON AN AMOUNT NOT LESS THAN
THE LHETT Or THIRD PART• L [CAL ',MINUTE SPECIFIED IN THE STANDARD FORM OE LEASE AGREEMENT AS ATTACHED TO THIS POLICY AND
,, A COPT GE THE UNDERLYING OWNER S CERTIFICATE T OR THAT VEHICLE CONFIRMING THAT THE UNDERLYING INSURER HAS ISSUED THE INSURANCE DESCRIBED
IN CONDITION
• ••■••1.1 (YANG NI 'TIM OF THIS POLICY OR ANY RENEWAL OF IT THE NAMED INSURED RECEIVES KNOWLEDGE THAT THE UNDIETKTING INSURANCE HAS NOT SEEN
• o AS RIOLAPED ST CONDITION A OR THAT THE UNDERLYING INSURANCE THAT WAS OBTAINED HAS SUBSEOUENTL• SEEN CANCELLED. THE NAMED wsusED
SHALL PROMPTLY TATO IN ANY CASE WITHIN 3T, DAYS OF RECEIPT OF THAT KNOvyLIEDGEi ARRAI ETEmOTT3RaLSgINCE COVERAGE IN InC, ITC:$1•Ell UNDERLYING
7.ANE•S CERTIFICATE Of INSURANCE IF THE UNDERLYING OWNER S CERTIFICATE S
NAGY SHAL. WITHOUT FURTHER NOTICE THEREUPON BE DEEMED TO SE CANCELLED WITH RESPECT TO THE INDEMNITY AFFORDED THE NAMED INSURED AS OWNER
FOR VICARIOUS LIASILI'I FOR DAMAGES ARISING FROM THE USE OR OPERATION OF THE VEHICLE TO WHICH THAT UNDERLYING OWNER'S CERTIFICATE OP INSURANCE
SHOULD HAVE SEEN APPLICABLE
6 posh:. THE TEEN, or THIS PO.C , OR PTO RENEWAL OF TT THE NAMED INSURED SHALL MANE AND EON YEARS AFTER TERMINATION OP THIS POLICY SHALL RE t'
PE CORDS OF THE TOL LOWING
AL. VEHICLES TO WHICH 7E44 000C,OF INSURANCE IS APPLICABLE
• • HE LEASE AGREEMENTS WOMEN THE INSURED AND THE LESSEE RELATING TO EACH VEHICLE TO WHICH THIS POLICY M INSURANCE IS APPLICABLE
•,.. THE LESSEES INSURANCE UNDERTAKING REOUIRED EY CONDITION
PIMP' Of KNOWLEDGE THAT AN uNDER. TTTNG OWNERS CEII•EFECA T E OF INSURANCE HAD NO' SEEN OBTAINED Cl HAD SUN TERMINATED AS DESCRIBED IN
CONDITIONS AND
ANY PROOF OF OTHER INSURANCE DETAINED 8. THE NAMED INSURED IN ACCORDANCE WITH CONDITION S
f AiLUPE Or THE NAMED INSURED TO MARE AND REEF THE RECORDS REOUIRED TO EE MADE AND HEIR SY THIS CONDITION MAY TOED THIS POLICY AS DECIDED ST
'HE INSURER IN ITS SOLE DISCRETION
THE INSURER LEN INSPECT THE RECORDS RE•111010 TO IN THIS CONDITION AT ANY REASONABLE TIME DEMING THE TERM OF OR ANY RENEWAL OF TENS POLICE
oa DUPING THE THREE YEARS FOLLOWING THE CANCELLATION OR TERMINATION OF THIS POLICE
7 LW OR BEFORE EYE INCEPTION DATE OF THIS POLIC• THE NAME0 INSURED SHALL DETERMINE THE TOTAL NUMBER OF VEHICLES THEN UNDER LEASE EY THE NAMED
INS DEED TO LESSEES AND TO WHICH ?NT S POLIC Y IS EPPLICASIE AND Toff NAMED INSLVIED SHALL DECLARE •THE NEPHEW. OP VEHICLES SO DETERMINED ON THE
HE AA
F ROM' GE THIS POLICY. WHICH NUMEEP OF YEHECLES SHALL BE USED BY THE CORPORATION TO DETERMINE TN/ PREMIUM PAID HOPE THIS POLICY T
WRING THE TERM OP THIS POLICY OR ANY RENE WA., THE NAMED INSURED SHALL REPORT TO THE CORPORATION WHENEVER THE ACTUAL TOTAL NUMBER OF LEASED
JEH,:„Es TO WHICH THIS POLICY IS •PPLICAB,E .ARIES BI kn.!. •••■•,, FROM THE NUMBER OF VEHICLES DECLARED AT INCEPTION OF THIS POLICY DE ENE
mouRE: ON THE ARON, Of THIS PIDOC , OR LAS , PREVIOUSLY REPORTED IN ACCORDANCE WITH DRS CONDITION OR SHOWN AS AIR AMENDED DECLARED TOTAL
NumEEP OF /ENGLES ON ANY RENEWAL FORM OP THIS POLICY
0 FOP Er:. :LA....01105S OR Damao( Fop WHICH IS •FICADED By THIS POLICY THE NAMED INSURED SHALL PAT A DEDUCTIBLE AMOUNT OP STY:10
WHERE •• THE DATE OF THE OCCURRENCE OF AN ACCIDENT RESULTING IN • CLAIM UNDER THIS POLICY THE NUMBER OF VEHICLES TO WHICH THIS POLICY APPLIES
G MOPE THAN ES..TREATER THAN THE DECLARED huMAF G. LEASED 111THE NAMED INSURED TO LESSEES AS SHOWN ON THE FRONT OF THIS POLICY
AN' RENE PAL DT IT OP AS REPORTED IN ACCORDANC E C TMINEION T THEN FON EACH CLAIM TO WHICH THIS CLAUSE OP THIS POLICY IS APPLICABLE AFTER
S.B •RAZ •NG AV3,."' OF 'NE DEDUCTIBLE FROM THE TEA'S CLAIM THE NAMED INSURED SHALL SE A COINSURER FOR THAT PART OE EACH NET CLAIM THAT IS
E'CESS 'HE LIV.,Or LIAB,L,Ty Amt.) IN THIS AULTCE 'HE PROPORTION OF SUCH CO TNGLTRANCE TI) BE SORNE BY THE NAMED INSURED UNDER THIS
,E, SE SUNG DUE Pm NEC •7,:.ORDMIG •O THE. ED.I 'WOW; CALCu.•,TON
• 7 .,m. PREMIUM - ANNA - PAID PRE %Num
ACTUAL PREMIUM
IN THIS CALCULATION ' ACTUAL PREMIUM MEANS THE PREMIUM THAT WOULD NAVE BEEN PAID BY THE NAMED INSURED IF THE NAMED INSURED HAD
DECLARED on REPORTED THE CORRECTED NUMBEA OF VEHICLES TO WHICH THIS POLICY SHOULD APPLY. AND 'PAID PREMIUM' MEANS THE PREMIUM
PAID TO THE CORPORATION ST THE NAMED INSURED FOR THIS POLICE AT FES RECEPTION OR LAST RENEWAL OR ON ANT ALTERATION ENDORSEMENT
ISSUED IN ACCORDANCE WITH CONDITION 7
✓ IT IS UNDERSTOOD AND AGREED THAT UPON THE OCCURRENCE Or AN ACCIDENT INVOLVING LOSS OE OR DAMAGE POP WHICH INDEMNITY IS PROVIDED ST TEES
POLICE
IRPESEECIIVE OF THE AMOUNT OF LOSS 0.04...EA PROW, NOT.CE THEREOF SHALL BE WEIN TO 'HE NOV/NAV THE NAMED INSLAND
.5. THE INSURER MAY INVESTIGATE SUCH ACCIDENTS ...T.., WITHOUT THUMB,WAIVING CONDITION B THE INSURER MAY PA, A RESULTING CLAIM CIA JUDGEMEN T
ARISING PEON SUCH ACCIDENT AND THE NAMED ENSURED. UPON WRETTINENEMANO FROM THE INSURER SHALL REIMBURSE THE pomp ANY AMOUNT UP TO THE
AMOUNT OP THE DEDUCTIBLE. TOGETHER *ITN ANY APPLICABLE COINSURANCE RATABLE ST THE NAMED INSURED AS SET OUT IN CONDFNON B THAT WOULD
APPLY TO THE CLAIM ON morale PAID BY THE INSURER
c, THE LITAT 01 THE NAMED INSUREDS LIAEILITY FOR REPAYMENT HEREUNDER SHALL SE THE DEDUCTIBLE AMOUNT SET GU' IN CONE/MON B APPLYING TO EACH
ACCIDENT REGARDLESS OP THE NUMBER Of CLAIMS ARISING THEREFROM TOGETHER WITH ANY API•,'LABIA CO INSURANCE PAYABLE ST THE NAMED MOOTED
It MORE THAN ONE VEHICLE IS INSURED UNDER THIS POLICY THIS CONDITION AND CONDITION B SHALL APPLY SEPARATELY TO EACH VEHICLE TO WHICH THIS POLICY
IS •••LTCESLE
TD THE 1E/otios17y AP FORTMO ST THIS POLICY TO THE NAMED INSURED IS EON THE LESSER OF EITHER THE AMOUNT OF THE DAMAGES TO WHICH THE POLICY HE *PALM •
ABLE FOR WHICH THE NAMED INSURED IS VICARIOUSLY LIASLE OR THE LIMIT OF LIABILITY FOR THIRD PARTE LEGAL LIA BILITY COVERAGE MFOPIOED ST THIS POLICY
TO THE NAMEONSuRED FOR THE VEHICLE INVOLVED W THE ACCIDENT TO WHICH THIS POLICY IS APPLICABLE. ONLY WHERE
tNuNDEALTINGINSuRANCt IS NO1 OBTAINED BY THE LESSEE
RBI UNDERLYING INSURANCE IS ALLOWED TO LAPSE. OR 15 CANCELLED OR TERMINATED. OP
ICI UNDERLYING INSURANCE FOR THE PEOUIRED POLICY LIMIT IS NOT AVAILABLE TO PAY A CLAIM BECAUSE OF A BREACH OF THAT INSURANCE ST THE LESSEE OR A
PERSON OPERATING THE VESICLE WITH THE pERANSNON AND CONSENT OF THE LESSEE WHERE THE NAMED INSURED HAS NOT PERMITTED. IONIAN). ALLOWED
OR CONNIVED AT THAT BREACH AND THE NAMED ENSURED IS VICARIOUSLY WINE FOR THE CLAIM TO WHICH THE LESSEES BREACH TS APPLICABLE
• I IN THIS POLICY DAMAGES THAT DO NOT EXCEED THE LIMIT Or LIABILITY FON INDEMNITY AFFORDED By THIS POLICY. INCLUDE PREJUDGMENT ON POET JUDGMENT
INTEREST COURT COSTS AND THE COSTS OF THE DEFENCE 01THE NAMED INSURED wilt. uNDERTAKEN BY THE CORPORATION BUT WHERE THE AMOUNT Or THE
DAMAGES EACEEDS THE LIMIT OP LIABILITY POW TNDENN.Ty AFFORDED Sy THIS POLICY . DAMAGES IN THIS POLICY MEANS ONLY THAT PART OF THE TOTALTDAHEMTA
0G4:
ION w. ty. EEG NAMED INSURED IS VICARIOUSLY LIABLE THAT ARE *THAI THE LIMIT Of LIABILITY AFFORDED BY THIS POLICY REGARDLESS Of WHETHER
DAMAGES INCLJDf AMONGST OTHER THINGS PRE JUDGMENT OR POST JUDGMENT INTEREST COURT COSTS OP THE COSTS OF DEPENDING THE NAMED INSURED
WHEN uNnEHTAKE N RI THE CORPORATION
•: IN{ VEHICLE, ACT APPLIES TO THIS POLICY AND PART 6 OF THE REGuL ATKIN APPLIES TO EACH CLAM FOR INDEMNITY MADE BY
, uNDEF, THIS POLICY 0" SUBROGATION ST THE INSURER BUT REGULATION SECTIONS 65 AND ME DO NOT APPLY TO THIS POLICY
II'. ! ''• A ,. HE PURPOSES OF REGO. A Yin% SE THIS POI ICY IS A POLICY OF EXCESS INSURANCE
y N.TE APPLY TET AN T LI AND F TEMPTED Paw too AREA, •T..,A, or THE iN,URANCE MOTOR VEHICLE, ACT AN
HE COOL A T II IN
VEHICLE DESCRIPTION
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•
• no
IN THIS POLICY. THE WORDS NAMED INSURED" MEAN THE PERSON OR CORPORATION SHOWN ON THE FRONT OF THE POLICY
AS THE OWNER OF THE VEHICLE INSURED BY THIS POLICY AND THE WORD "INSURED" MEANS THE NAMED INSURED AND ALSO
INCLUDES ANY PERSON WHO USES OR OPERATES THE VEHICLE DESCRIBED ON THE FRONT OF THIS POLICY WITH THE PER
MISSION AND CONSENT OF THE NAMED INSURED
2 (A) THE INSURANCE COVERAGE THAT INDEMNIFIES THE INSURED DURING THE TERMS OF THIS POLICY FOR LEGAL LIABILITY TO
ANOTHER PERSON FOR LOSS OR DAMAGE ARISING WHEN THE VEHICLE DESCRIBED ON THE FRONT OF THIS POLICY IS NOT
USED OR OPERATED ON A HIGHWAY. EXCEPT WHEN COVERAGE IS EXCLUDED ACCORDING TO CLAUSE 3 OF THIS POLICY. IS
COVERAGE FOR THIRD PARTY LEGAL LIABILITY AND FOR ACCIDENT BENEFITS IN ACCORDANCE WITH PARTS 6 AND 7 OF
THE REGULATION. THE LIMITS OF SUCH COVERAGE BEING THE LIMITS SET OUT IN SCHEDULE 3 OF THE REGULATION FOR
ACCIDENT BENEFITS AND THE LIMIT OF THIRD PARTY LEGAL LIABILITY COVERAGE BEING THE LIMIT OF LIABILITY SET OUT
ON THE r RONT OF THIS POLICY AS THE LIMIT OF LIABILITY FOR THIRD PARTY LEGAL LIABILITY TOGETHER WITH WHATEVER
COVERAGE IS APPLICABLE UNDER PARAGRAPH 2(C)
181 THE INSURANCE COVERAGES THAT INDEMNIFY THE INSURED DURING THE TERM OF THIS POLICY WHEN THE VEHICLE
INSURED BY THIS POLICY IS USED OR OPERATED ON A HIGHWAY EXCLUSIVELY IN THEICONVEYING OF PROPERTY OF THE
NAMED INSURED FOR THE INDUSTRY CARRIED ON BY THE NAMED INSURED AND IN ACCORDANCE WITH THE REGISTRATION
UNDER THE MOTOR VEHICLE ACT AND DISPLAYING THE LICENCE ISSUED TO THE NAMED INSURED PURSUANT TO SECTION 8
OF THE MOTOR VEHICLE ACT, IS THE INSURANCE COVERAGE AFFORDED BY THE OWNER'S CERTIFICATE ISSUED IN CON
JUNCTION WITH AND APPLICABLE TO ANY VEHICLE TO WHICH THAT LICENCE IS ATTACHED, IN WHICH CASE, NO INSURANCE
IS AFFORDED BY THIS POLICY EXCEPT SUCH OWN DAMAGE INSURANCE COVERAGE AS IS AFFORDED BY THIS POLICY UNDER
PARAGRAPH 2 (CI
(C) THE INSURANCE COVERAGES THAT INDEMNIFY THE INSURED DURING THE TERM OF THE POLICY FOR LOSS OR DAMAGE TO
THE VEHICLE DESCRIBED ON THE FRONT OF THIS POLICY, EXCEPT WHEN COVERAGE IS EXCLUDED ACCORDING TO CLAUSE 3
OF THIS POLICY, ARE THE OWN DAMAGE COVERAGES THAT ARE SHOWN ON THE FRONT OF THIS POLICY AS PAID AND
ARE AFFORDED IN ACCORDANCE WITH THE APPLICABLE PROVISIONS OF PART 9, DIVISION 2 OF THE REGULATION WHICH
COVERAGES APPLY TO LOSS OR DAMAGE ARISING OUT OF THE USE OR OPERATION OF THE DESCRIBED VEHICLE WHILE
EITHER ON OR OFF A HIGHWAY
3 (A) SECTION 65 OF THE REGULATION DOES NOT APPLY TO THIRD PARTY LEGAL LIABILITY COVERAGE AFFORDED UNDER THE
POLICY PURSUANT TO CLAUSE 2 (A) 4
(B) IN ACCORDANCE WITH SECTION 47 OF THE INSURANCE (MOTOR VEHICLE) ACT, A VEHICLE THAT MAY OBTAIN A SPECIAL
LICENCE PURSUANT TO SECTION 8 OF THE MOTOR VEHICLE ACT MAY BE AFFORDED OWN DAMAGE INSURANCE UNDER
THIS POLICY ACCORDING TO PART 9 DIVISION 2 OF THE REGULATION. NOTWITHSTANDING SECTION 2 OF THAT REGULATION
Bur ANY OTHER VEHICLE, MACHINE TRAILER OR PIECE OF EQUIPMENT THAT CANNOT BE LICENCED UNDER SECTION 8 OF
THE MOTOR VEHICLE ACT AND TO WHICH SECTION 2 IS APPLICABLE:CONTINUES TO BE AND IS EXCLUDED FROM OWN
DAMAGE INSURANCE UNDER THIS POLICY IN ACCORDANCE WITH SECTION 2 OF THE REGULATION.
IC) NO INDEMNITY IS AFFORDED BY THIS POLICY FOR THE USE OR OPERATION OF ANY VEHICLE WHILE THAT VEHICLE IS
REGISTERED AND LICENCE() IN•ACCORDANCE WITH SECTION 3 OF THE MOTOR VEHICLE ACT AND INSURED IN ACCORDANCE
WITH THE PROVISIONS OF THE INSURANCE (MOTOR VEHICLE) ACT.
4 WHERE THERE IS ANY OTHER VALID AND ENFORCEABLE INSURANCE POLICY OR CERTIFICATE OF ANY TYPE OR CLASS THAT
AFFORDS INDEMNITY TO THE NAMED INSURED FOR THE USE OR OPERATION OF THE VEHICLE DESCRIBED ON THE FRONT OF
THIS POLICY OR TO ANOTHER FOR WHICH THE INSURED IS LEGALLY LIABLE, AT THE TIME OF LOSS OR DAMAGE TO THAT
VEHICLE OR TO ANOTHER PERSON FOR WHICH THE INSURED IS LEGALLY LIABLE, WHEN THIS POLICY IS ALSO APPLICABLE TO
INDEMNIFY FOR SUCH LOSS OR DAMAGE, THEN SUCH OTHER INSURANCE IS FIRST LOSS INSURANCE AND THIS POLICY IS
EXCESS INSURANCE ONLY
5 EXCEPT AS SET OUT IN THIS POLICY ALL LIMITS. TERMS, CONDITIONS AND EXCLUSIONS OF THE REGULATION SHALL HAVE
FULL FORCE AND EFFECT.
IN WITNESS WHEREOF THE CORPORATION HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE
OFFICER. BUT THE SAME SHALL NOT BE BINDING UNTIL VALIDATED AND SIGNED ON THE FRONT SIDE HEREOF BY AN AGENT OR
OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION.
Column A Column B
Loss Ratio Discount
125
FLKETPLAN SURCHARGE TABLE
Column A Column B
Loss Ratio Surcharge
126