SGI CANADA Policy Booklet - Your Easy Read Special Coverages

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(4) The refund may be made by money, postal or express companymoney order, or by cheque payable at par.(5) The fifteen days mentioned in clause (a) of subcondition (1) of thiscondition commences to run on the day following the receipt ofthe registered letter at the post office to which it is addressed.Requirements After Loss6. (1) Upon the occurrence of any loss or damage to the insuredproperty, the Insured shall, if such loss or damage is covered bythe contract, in addition to observing the requirements ofconditions 9, 10 and 11:(a) forthwith give notice thereof in writing to the Insurer;(b) deliver as soon as practicable to the Insurer a proof of lossverified by a statutory declaration:(i) giving a complete inventory of the destroyed anddamaged property and showing in detail quantities, cost,actual cash value and particulars of amount of loss(ii)claimed;stating when and how the loss occurred, and if caused byfire or explosion due to ignition, how the fire or explosionoriginated, so far as the Insured knows or believes;(iii) stating that the loss did not occur through any wilful act orneglect or the procurement, means or connivance of theInsured;(iv) showing the amount of other insurance and the names ofother Insurers;(v) showing the interest of the Insured and of all others in theproperty with particulars of all liens, encumbrances andother charges upon the property;(vi) showing any changes in title, use, occupation, location,possession or exposures of the property since the issue ofthe contract;(vii) showing the place where the property insured was at thetime of loss;(c) if required give a complete inventory of undamaged propertyand showing in detail quantities, cost, actual cash value;(d) if required and if practicable, produce books of account,warehouse receipts and stock lists, and furnish invoices andother vouchers verified by statutory declaration, and furnish acopy of the written portion of any other contract.(2) The evidence furnished under clauses (c) and (d) of subparagraph(1) of this condition shall not be considered proofs ofloss within the meaning of conditions 12 and 13.Fraud7. Any fraud or wilfully false statement in a statutory declaration inrelation to any of the above particulars, shall vitiate the claim of theperson making the declaration.Who May Give Notice and Proof8. Notice of loss may be given, and proof of loss may be made, by theagent of the Insured named in the contract in case of absence orinability of the Insured to give the notice or make the proof, andabsence or inability being satisfactorily accounted for, or in the likecase, or if the Insured refuses to do so, by a person to whom any partof the insurance money is payable.Salvage9. (1) The Insured, in the event of any loss or damage to any propertyinsured under the contract, shall take all reasonable steps toprevent further damage to any such property so damaged and toprevent damage to other property insured hereunder including, ifnecessary, its removal to prevent damage or further damagethereto.23
(2) The Insurer shall contribute pro rata towards any reasonable andproper expenses in connection with steps taken by the Insuredand required under sub-paragraph (1) of this condition accordingto the respective interests of the parties.Entry, Control, Abandonment10. After any loss or damage to insured property, the Insurer shall havean immediate right of access and entry by accredited agentssufficient to enable them to survey and examine the property, and tomake an estimate of the loss or damage and, after the Insured hassecured the property, a further right of access and entry sufficient toenable them to make appraisement or particular estimate of the lossor damage, but the Insurer shall not be entitled to the control orpossession of the insured property, and without the consent of theInsurer there can be no abandonment to it of insured property.Appraisal11. In the event of disagreement as to the value of the property insured,the property saved or the amount of the loss, those questions shall bedetermined by appraisal as provided under The SaskatchewanInsurance Act before there can be any recovery under this contractwhether the right to recover on the contract is disputed or not, andindependently of all other questions. There shall be no right to anappraisal until a specific demand therefor is made in writing and untilafter proof of loss has been delivered.When Loss Payable12. The loss shall be payable within sixty days after completion of theproof of loss, unless the contract provides for a shorter period.Replacement13. (1) The Insurer, instead of making payment, may repair, rebuild, orreplace the property damaged or lost, giving written notice of itsintention so to do within thirty days after receipt of the proofs ofloss.(2) In that event the Insurer shall commence to so repair, rebuild, orreplace the property within forty-five days after receipt of theproofs of loss, and shall thereafter proceed with all due diligenceto the completion thereof.Action14. Every action or proceeding against the Insurer for the recovery of anyclaim under or by virtue of this contract shall be absolutely barredunless commenced within one year* next after the loss or damageoccurs.*RepealedStatutory Condition 14 has been superceded by section 5 of theLimitations Act, S.S. 2004 chapter L-16.1, which provides that “noproceedings shall be commenced with respect to a claim after twoyears from the day on which the claim is discovered.”Notice15. Any written notice to the Insurer may be delivered at, or sent byregistered mail to, the chief agency or head office of the Insurer in theprovince; and written notice may be given to the Insured named in thecontract by letter personally delivered to him or by registered mailaddressed to him at his latest post office address as notified to theInsurer; and in this condition, the expression “registered” meansregistered in or outside Canada.24
Page 2 and 3: Table of ContentsPageIntroduction.
Page 5: This policy contains various exclus
Page 8 and 9: elocate or settle your household.We
Page 10 and 11: This coverage will apply to all pro
Page 12 and 13: We do not cover loss or damage:a) c
Page 14 and 15: Shipping Act regulations governing
Page 16 and 17: intended for use in construction of
Page 18 and 19: asement floor. In the event that th
Page 20 and 21: Special BelongingsBoats, their equi
Page 22 and 23: (i) business or farming purposes; b
Page 24 and 25: lawyers. You may release another pe
Page 29 and 30: Privacy: Our commitmentThank you fo

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