<strong>General</strong> Conditions for Part 21) The “bodily injury” or “property damage” must take place during the<strong>policy</strong> term.2) There are only two ways to cancel your Personal Liability coveragebefore the end of your <strong>policy</strong> term:a) You must tell us that you wish to cancel and when you wish yourcoverage to end; orb) We must tell you in writing that we wish to cancel. We do this byregistered mail or in person. If our notice comes to you byregistered mail, your coverage will end 15 days after your postoffice gets the letter. When we give you the notice in person, yourcoverage will end 5 days later.We will refund the premium for the time between the cancellationdate and the end of the <strong>policy</strong> term.3) If you take legal action against us, you must do so within two years ofthe date on which you had cause to take such action.4) If you have other liability insurance, we will only pay our share of theclaim. Our share will be in the same proportion that the amount of ourcoverage bears to the total of all your coverages.23
Statutory ConditionsIn respect of Part 2 - Personal Liability, only StatutoryConditions 1, 3, 4, 5 and 15 apply. Otherwise all of theStatutory Conditions apply with respect to all perilsinsured by this <strong>policy</strong>. In the following “you”, the nameshown on the Cover Page, are called the “Insured”. “We”are called the “Insurer”.Misrepresentation11. If any person applying for insurance falsely describes the property tothe prejudice of the Insurer, or misrepresents or fraudulently omits tocommunicate any circumstance which is material to be made knownto the Insurer in order to enable it to judge of the risk to beundertaken, the contract shall be void as to any property in relation towhich the misrepresentation or omission is material.Property of Others12. Unless otherwise specifically stated in the contract, the Insurer is notliable for loss or damage to property owned by any person other thanthe Insured, unless the interest of the Insured therein is stated in thecontract.Change of Interest13. The Insurer shall be liable for loss or damage occurring after anauthorized assignment under the Bankruptcy Act or change of titleby succession, by operation of law, or by death.Material Change14. Any change material to the risk and within the control and knowledgeof the Insured shall void the contract as to the part affected thereby,unless the change is promptly notified in writing to the Insurer or itslocal agent; and the Insurer when so notified may return the unearnedportion, if any, of the premium paid and cancel the contract, or maynotify the Insured in writing that, if he desires the contract to continuein force, he must, within fifteen days of the receipt of the notice, payto the Insurer an additional premium; and in default of such paymentthe contract shall no longer be in force and the Insurer shall return theunearned portion, if any, of the premium paid.Termination of Contract15. (1) This contract may be terminated:(a) by the Insurer giving to the Insured fifteen days’ notice oftermination by registered mail, or five days’ written notice oftermination personally delivered;(b) by the Insured at any time on request.(2) Where this contract is terminated by the Insurer:(a) the Insurer shall refund the excess premium actually paid bythe Insured over the pro rata premium for the expired time,but in no event, shall the pro rata premium for the expiredtime be deemed to be less than any minimum retainedpremium specified; and(b) the refund shall accompany the notice unless the premium issubject to adjustment or determination as to amount, in whichcase the refund shall be made as soon as practicable.(3) Where this contract is terminated by the Insured, the Insurer shallrefund, as soon as practicable the excess of premium actually paidby the Insured over the short rate premium for the expired time,but, in no event shall the short rate premium for the expired time bedeemed to be less than any minimum retained premium specified.24