Policy (N.B.P.F. No. 1) - RBC Insurance

(iv) such other automobile is not owned or regularly orfrequently used by the insured or by any person orpersons residing in the same dwelling premises as theinsured;(v) such other automobile is not owned, hired or leased byan employer of the insured or by an employer of anyperson or persons residing in the same dwellingpremises as the insured;(vi) such other automobile is not used for carryingpassengers for compensation or hire or for commercialdelivery;e) if the insured is a corporation, unincorporated associationor registered co-partnership, any automobile of the privatepassenger or station wagon type, other than the describedautomobile, while personally driven by the employee orpartner for whose regular use the described automobile isfurnished, or by his or her spouse or common law partner ifresiding in the same dwelling premises as such employee orpartner, provided that(i) neither such employee or partner or his or her spouse orcommon law partner is the owner of an automobile ofthe private passenger or station wagon type;(ii) the described automobile is of the private passenger orstation wagon type;(iii) neither such employee, partner or spouse or commonlaw partner is driving the automobile in connectionwith the business of selling, repairing, maintaining,servicing, storing or parking automobiles;(iv) such other automobile is not owned, hired or leased orregularly or frequently used by the insured or suchemployee or by any partner of the insured or by anypersons residing in the same dwelling premises as anyof the aforementioned persons;(v) such other automobile is not used for carryingpassengers for compensation or hire or commercialdelivery;f) A trailer and this means:(i) for the purposes of section A (Third Party Liability), B(Accident Benefits), and D (Uninsured AutomobileCoverage), any trailer used in connection with theautomobile; and(ii) for the purposes of section A.1 (Direct Compensation –Property Damage) only, any trailer owned by theinsured and not described in this Policy, while attachedto an automobile of a gross vehicle weight of 4,500kilograms or less, or while not attached to anautomobile, provided such trailer is generally used withan automobile of a gross vehicle weight of 4,500kilograms or less; but this does not include a trailerdesigned or used for carrying passengers or for dwellingor commercial purposes.b) When the insured owns two or more automobiles which areinsured as described automobiles under two or moreautomobile insurance policies, the limit of the insurer underthis policy with respect to the use or operation of anautomobile not owned by the insured shall not exceed theproportion that the highest limit applicable to any oneautomobile described in this policy bears to the sum of thehighest limits applicable under each policy and in no eventshall exceed such proportion of the highest limit applicableto any one automobile under any policy.c) A motor vehicle and one or more trailers or semi-trailersattached thereto shall be held to be one automobile withrespect to the limit(s) of liability under sections A, B and Dand separate automobiles with respect to the limit(s) ofliability, including any deductible provisions, undersection A.1 and C.6. Two or More Automobilesa) When two or more automobiles are described hereunder, (i)with respect to the use or operation of such describedautomobiles, each automobile shall be deemed to beinsured under a separate policy; (ii) with respect to the useor operation of an automobile not owned by the insured, thelimit of the insurer's liability shall not exceed the highestlimit applicable to any one described automobile.Underwritten by RBC General Insurance Company® Registered trademark of Royal Bank of Canada. RBC Insurance is a registered trademark ofRoyal Bank of Canada. Used under license.