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

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(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.
7. War Risks ExcludedThe insurer shall not be liable under section A.1, B, C or D ofthis policy for any loss, damage, injury or death caused directlyor indirectly by bombardment, invasion, civil war, insurrection,rebellion, revolution, military or usurped power, or byoperation of armed forces while engaged in hostilities, whetherwar be declared or not.8. Excluded UsesUnless coverage is expressly given by an endorsement of thispolicy, the insurer shall not be liable under this policy while,a) the automobile is rented or leased to another; provided thatthe use by an employee of his automobile on the businessof his employer and for which he is paid shall not bedeemed the renting or leasing of the automobile to another;b) the automobile is used to carry explosives, or to carryradioactive material for research, education, developmentor industrial purposes, or for purposes incidental thereto;c) the automobile is used as a taxicab, public omnibus, livery,jitney or sightseeing conveyance or for carrying passengersfor compensation or hire; provided that the following usesshall not be deemed to be the carrying of passengers forcompensation or hire;(i) the use by the insured of his automobile for the carriageof another person in return for the former's carriage inthe automobile of the latter;(ii) the occasional and infrequent use by the insured of hisautomobile for the carriage of another person whoshares the cost of the trip;(iii) the use by the insured of his automobile for the carriageof a temporary or permanent domestic servant of theinsured or his spouse or common law partner;(iv) the use by the insured of his automobile for the carriageof clients or customers or prospective clients orcustomers;(v) the occasional and infrequent use by the insured of hisautomobile for the transportation of children to or fromschool or school activities conducted within theeducational program.Statutory ConditionsIn these statutory conditions, unless the context otherwise requires,the word "insured" means a person insured by this contract whethernamed or not. Statutory conditions 1, 8 and 9 shall apply aspolicy conditions with respect to section B.Material Change in Risk1. (1) The Insured named in this contract shall promptly notifythe insurer or its local agent in writing of any change in therisk material to the contract and within his knowledge.(2) Without restricting the generality of the foregoing thewords "change in the risk material to the contract" include:a) any change in the insurable interest of the insurednamed in this contract in the automobile by sale,assignment or otherwise, except through change of titleby succession, death or proceedings under theBankruptcy Act (Canada); and in respect of insuranceagainst loss of or damage to the automobile,b) any mortgage, lien or encumbrance affecting theautomobile after the application for this contract;c) any other insurance of the same interest, whether validor not, covering loss or damage insured by this contractor any portion thereof.Prohibited Use by Insured2. (1) The Insured shall not drive or operate the automobile,a) unless he is for the time being either authorized by lawor qualified to drive or operate the automobile; orb) while he is prohibited under order of any court fromdriving or operating an automobile; orc) while he is under the age of sixteen years or under suchother age as is prescribed by the law of the province inwhich he resides at the time this contract is made asbeing the minimum age at which a license or permit todrive an automobile may be issued to him; ord) for any illicit or prohibited trade or transportation; ore) in any race or speed test.Prohibited Use by Others(2) The insured shall not permit, suffer, allow or connive at theuse of the automobile,a) by any person,(i) unless that person is for the time being eitherauthorized by law or qualified to drive or operatethe automobile; or(ii) while that person is under the age of sixteen yearsor under such other age as is prescribed by the lawof the province in which he resides at the time thiscontract is made as being the minimum age atwhich a licence or permit to drive an automobilemay be issued to him; orb) by any person who is a member of the household of theinsured while that person is prohibited under order ofany court from driving or operating an automobile; orc) for any illicit or prohibited trade or transportation; ord) in any race or speed test.Requirements Where Loss or Damage to Persons orProperty3. (1) The insured shall,a) promptly give to the insurer written notice, with allavailable particulars, of any accident involving loss ordamage to persons or property and of any claim madeon account of the accident;b) verify by statutory declaration, if required by theinsurer, that the claim arose out of the use or operationof the automobile and that the person operating orresponsible for the operation of the automobile at thetime of the accident is a person insured under thiscontract; andc) forward immediately to the insurer every letter,document, advice or writ received by him from or onbehalf of the claimant.(2) The insured shall not,a) voluntarily assume any liability or settle any claimexcept at his own cost; orb) interfere in any negotiations for settlement or in anylegal proceeding.(3) The insured shall, whenever requested by the insurer, aid insecuring information and evidence and the attendance ofany witness and shall co-operate with the insurer, except inUnderwritten 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.
Page 3 and 4: Spouse or common law partner of the
Page 5 and 6: her option to recover damages as pr
Page 7 and 8: ) "person insured under the contrac
Page 9: (3) Before making payment under sub
Page 13: (2) Where this contract is terminat

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

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