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

) if previously so engaged for any six (6) months out of thepreceding twelve (12) months and in these circumstancesshall be deemed to have suffered loss of income at a rateequal to that of his or her most recent employmentearnings;(4) a person receiving a weekly payment who, within thirty (30)days of resuming his or her occupation or employment, isunable to continue such occupation or employment as a resultof such injury, is not precluded from receiving further weeklypayments;(5) where the payments for loss of income payable hereunder,together with payments for loss of income under anothercontract of insurance other than a contract of insurance relatingto any wage or salary continuation plan available to an insuredperson by reason of his employment, exceed the actual loss ofincome of the insured person, the insurer is liable only for thatproportion of the payments for loss of income stated in thispolicy that the actual loss of income of the person insured bearsto the aggregate of the payments for loss of income payableunder all such contracts.SPECIAL PROVISIONS, DEFINITIONS AND EXCLUSIONSOF SECTION B(1) "INSURED PERSON” DEFINEDIn this section the words “insured person” mean,a) any person while an occupant of the described automobileor of a newly acquired or temporary substitute automobileas defined in this policy;b) the insured and, if residing in the same dwelling premisesas the insured, his or her spouse or common law partnerand any dependent relative of either while an occupant ofany other automobile; provided that,(i) the insured is an individual or a spouse or common lawpartner of the insured;(ii) such person is not engaged in the business of selling,repairing, maintaining, servicing, storing, or parkingautomobiles at the time of the accident;(iii) 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;(iv) 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;(v) such other automobile is not used for carryingpassengers for compensation or hire or for commercialdelivery;c) in this section, any person, not the occupant of anautomobile or of railway rolling-stock that runs on rails,who is struck, in Canada, by the described automobile or anewly acquired or temporary substitute automobile asdefined in the policy;d) in this section, the named insured, if an individual and hisor her spouse or common law partner and any dependentrelative residing in the same dwelling premises as thenamed insured, not the occupant of an automobile or ofrailway rolling-stock that runs on rails, who is struck byany other automobile; provided that,(i) such person is not engaged in the business of selling,repairing, maintaining, servicing, storing, or parkingautomobiles at the time of the accident;(ii) that automobile is not owned or regularly or frequentlyused by the insured or by any person or personsresiding in the same dwelling premises as the namedinsured;(iii) that automobile is not owned, hired, or leased by anemployer of the insured or by an employer of anyperson or persons residing in the same dwellingpremises as the named insured;e) if the insured is a corporation, unincorporated association,or partnership, any employee or partner of the insured forwhose regular use the described automobile is furnished,and his or her spouse or common law partner and anydependent relative of either, residing in the same dwellingpremises as such employee or partner, while an occupant ofany other automobile of the private passenger or stationwagon type; andf) in this section, any employee or partner of the insured, forwhose regular use the described automobile is furnished,and his or her spouse or common law partner and anydependent relative of either, residing in the same dwellingpremises as such employee or partner, while not theoccupant of an automobile or of railway rolling-stock thatruns on rails, who is struck by any other automobile;provided that, in respect of (e) and (f) above,(i) neither such employee nor partner or his or her spouseor common law partner is the owner of an automobileof the private passenger or station wagon type;(ii) the described automobile is of the private passenger orstation wagon type;(iii) such person is not engaged in the business of selling,repairing, maintaining, servicing, storing, or parkingautomobiles at the time of the accident;(iv) such other automobile is not owned or regularly orfrequently used by the employee or partner, or by anyperson or persons residing in the same dwellingpremises as such employee or partner;(v) such other automobile is not owned, hired, or leased bythe insured or by an employer of any person or personsresiding in the same dwelling premises as suchemployee or partner of the insured;in respect of (e) above only,(vi) such other automobile is not used for carryingpassengers for compensation or hire or for commercialdelivery.(1.1) “ACCIDENT DEFINEDIn this section “accident” means an accident arising out ofthe use and operation of an automobile.(2) "PHYSICIAN" DEFINED"Physician" means a legally qualified medical practitioner.(3) EXCLUSIONSa) The insurer shall not be liable under this section for bodilyinjury to or death of any person,(i) resulting from the suicide of such person or attemptthereat, whether sane or insane; or(ii) who is entitled to receive the benefits of any workers'compensation law or plan and has not exercised his orUnderwritten 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.