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October 16, 2022
ISSUE
Client N: 382787
Policy / Term:
001 / 12 month
ALWAYS BY YOUR SIDE FOR YOUR INSURANCE
Please find enclosed your insurance documents.
We recommend that you read them carefully to ensure that they are correct.
If an Important Instructions page is included with these documents, please read through it carefully because it contains crucial information regarding your coverage.
Feel free to contact us if you have any questions or comments.
CONTACT US
Customer Service
123 456-7890
1 800 123-4567
Fax: 012 345-6789
service.client@assureur.ca
8 a.m. to 8 p.m.
Monday to Friday
8:30 a.m. to 4 p.m., Saturday
Claims
098 765-4321
1 800 765-4321
24/7 emergency
Legal Assistance
1 800 012-3456
8:30 a.m. to 7 p.m.
Monday to Thursday
8:30 a.m. to 5 p.m., Friday
Your branch
221 B Baker Street
Ville (Province)
A1A 1A1
8:30 a.m. to 5 p.m.
Monday to Friday
assureur.ca
Your Insurance Documents
(Table of Contents)
Important Instructions
Automobile Insurance
Policy number: 001
Acura - 2010
Insurance Certificates
(Documents to be kept on file)
Client Advantages
(Description of your client benefits)
Wording and Endorsements
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IMPORTANT INSTRUCTIONS
October 16, 2022
Please find hereafter instructions on very important parts of your insurance policy; we suggest that you read them carefully and take any required action, if necessary.
FIDELITY Program
Because we appreciate your loyalty, we're pleased to offer you privileges that accumulate with your years of loyalty, thanks to our FIDELITY Program. Here are the details regarding your privileges, which you can also find in your Client Centre.
Your recognized loyalty: New client
Your privileges:
Exclusive partner offers
Legal assistance
Psychological assistance service
This list contains all the privileges associated with your recognized loyalty. Please note that the new privileges will be available at the renewal of each insurance policy held by a member of your household. Please see the Declarations or Coverage Summary Page(s) of your various insurance contracts held with us to learn more about applicable coverage details.
Notice to the insured
AUTOMOBILE POLICY No 382787-001
You have chosen ABC Roadside Assistance, which provides you with 24-hour roadside assistance throughout Canada and the United States, 365 days a year.
Therefore, three weeks after the effective date of the Q.E.F. endorsement N 33 Roadside Assistance Coverage, you will receive a kit for each eligible vehicle, including your membership card and your user's guide.
As soon as the endorsement Q.E.F. N 33 comes into effect, you will be able to benefit from this service even if you have not received your ABC roadside assistance kit.In case of need, simply call 1 877 012-3456 (24 hours a day, 7 days a week) and mention the policy number of the covered vehicle to the agent.
AUTOMOBILE POLICY No 382787-001 - Vehicle 1 : Acura RDX 2010
We are enclosing a copy of your policy to give to your creditor, if requested. It is included at the very end of this mailing.
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Actions Required
Automobile insurance
Detach and keep your insurance certificates with you.
Detach and keep the automobile rental certificate with your driver's licence. This way, you will avoid paying additional insurance fees to the car rental agency.
Please read the Coverage Summary section of your Quebec automobile insurance contract to ensure that your coverages are well-suited to your needs.
Don't hesitate to contact customer service at 1 800 123-4567 for any questions regarding your contract.
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QUEBEC AUTOMOBILE INSURANCE POLICY
Q.P.F. B 1 - OWNER'S FORM
Policy Number: 382787-001
DECLARATIONS
ISSUE of your new insurance policy
Item 1. NAME AND ADDRESS OF THE NAMED INSURED*
Ryan Craig
6722 Kim Hollow Suite 899
Shirleyburgh, NL B6E 2C9
*The described vehicle is and will be mainly used, stored and parked in the town/city and province shown in Item 1. If not, the client or the named insured must so declare.
Item 2. CONTRACT PERIOD
FROM: 2022-12-25* TO: 2023-12-25* EXCLUSIVELY
*at 12:01 A.M. standard time at the address of the named insured.
Item 3. PARTICULARS OF THE DESCRIBED VEHICLE 1
Acura - RDX - 2010 - Numéro de série UE4SMUNYHL50SETQ0 - Purchase used
Creditor entitled to Chapter B benefits, according to his interest - Subject to the Q.E.F. endorsement N 23a
National Bank of Canada 366 Lee Canyon
South Richardton, BC E8G 8M6
Item 4. COVERAGE / PERILS: The perils covered by the insurance contract are those for which an amount of insurance, a deductible or an insurance premium is shown in the table below. Coverage is subject to the conditions set out in the insurance contract.
PREMIUM
Section A - CIVIL LIABILITY -
Property damage or bodily injury to another person - Amount of insurance: 1000000$ 407$
Section B - DAMAGE TO INSURED VEHICLES
Protection 1: All risks Included
Protection 2: Risk of collision and rollover - Deductible 1000$ per claim 380$
Protection 3: All risks except collision or rollover - Deductible 500$ per claim 202$
Protection 4: Specific risks Included
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Endorsement(s): Q.E.F. N 23a - Vehicles under financing Included
Endorsement(s): Q.E.F. N 27 - Civil liability resulting from damage caused to vehicles of which named insured is not owner (including vehicles provided by an employer) (Section A) - 75000$
Vehicles included under described vehicles, trailers or utility trailers
Section B2 - $250 deductible and section B3 - $50 deductible
Endorsement(s): Q.E.F. N 33 - Insurance for roadside assistance expenses
ABC Roadside Assistance Program, available 24 hours a day, 7 days a week
Maximum radius 50 km -
In the event of a breakdown, the towing distance is increased to 100 km in the Laurentian Park, 150 km in La Vérendrye Park and 100 km in Gaspésie National Park
Maximum number of events per insurance year 4 47$
Limit per breakdown service 60$(1) - For a towing or a stuck vehicle, this limit is increased to 100$(1)
Limit per policy year 400$(1)
(1) These limits apply only when, on an exceptional basis, towing or breakdown service is not available through the Roadside Assistance Program
See your brochure for all additional services available to you
Endorsement(s): Q.E.F. N 34 - Accident benefits insurance: 11$
Division 1: Subdivision A and B - Death and dismemberment benefits: 20000$ principal sum
Subdivision C - Reimbursement of medical expenses: 2000$ per person
Division 2: Total disability benefits: Not covered
FIDELITY program
Q.E.F. N 41
- Change to deductibles (Section B): Included
This endorsement makes the following changes to the deductible amounts under Section B
- No deductible to pay in the case of a hit-and-run offence if a police report was issued.
- No deductible to pay in the case of a total loss.
- No deductible to pay in the case of a windshield repair except in the case of a windshield replacement.
- Should you incur a loss that affects two or more insurance products insured at Assureur, you will have but one deductible to pay, the highest applicable.
Premium due date: according to the agreed terms of payment
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Prepared by the Insurer in Quebec City on 2022-12-25
Sherlock Holmes
President and chief executive officer
This is not an invoice. Please refer to the billing documentsfor information on the amounts payable or receivable
PREMIUM VEHICLE 1
Class of insurance:
AUTOMOBILE
ANNUAL PREMIUM
1047$ (excluding tax)
YOUR NEW 12-MONTH POLICY
MONTANT
1047$ (excluding tax)
TAX
94.22999999999999$
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Item 6. IMPORTANT STATEMENTS FOR ANALYZING THE RISK
Main driver: Ryan Craig Date of birth: 1984-07-27
No revocation or suspension of licence has been reported over the past three years
No loss or claim has been reported over the past five years
Item 7. INFORMATION FOR THE NAMED INSURED
The premium takes into account the following discounts:
- 2% for choosing Pre-authorized payment as your premium payment method
Consent:If authorization has been granted for us to obtain credit information for the purposes of issuing this contract, please note that the information obtained will be updated and used for renewing your contract and for processing your property and casualty insurance files. This consent can be revoked at any time by notifying us in writing.
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DISCLOSURE
NOTICE CONCERNING THE PROTECTION OF PERSONAL INFORMATION
Assureur protects the confidentiality of your personal information.
PURPOSE OF YOUR FILE
We collect and use your personal information to manage your Property and Casualty insurance file.
SECURITY
Your personal information is stored at our offices and protected by high security measures. Only our employees, mandataries, distribution partners and service providers may access your personal information, and solely when such access is required to perform their duties, carry out their mandate or fulfill their service contract.
Assureur may do business with one or more service providers based outside of Quebec. It is therefore possible that some of your personal information held by Assureur may be stored outside of Quebec and governed by the laws of foreign countries or states.
ACCESS AND CORRECTION
To access your file or make a correction to it, send your request in writing to the following address:
Assureur
c/o Access to Information Service
221 B Baker Street
Ville (Province)
A1A 1A1
SERVICE OFFERING
Assureur, its subsidiaries and their authorized representatives may use your personal information to inform you of products and services that may be of interest to you. If, however, you do not wish to receive this type of information, please write to us at the address above.
For more information about our personal information protection practices, refer to our personal information protection statement at assureur.ca/en/personal-information-protection.
Your agent offers Assureur products on an exclusive basis and does not receive any commission.
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QUEBEC AUTOMOBILE INSURANCE POLICY
Q.P.F. B 1 - OWNER'S FORM
Policy Number: 382787-001
CANCELLATION OF POLICY
If your policy covers several vehicles and coverage for only one of them must be cancelled, do not use this form.
Please contact Customer Service at the number listed below.
BEFORE CANCELLING contact Customer Service at 123 456-7890 or 1 800 123-4567, this could avoid you losing some of your advantages.
I hereby request the full cancellation of policy number 382787-001, its endorsements, its renewals and if applicable, the reimbursement of any unearned premium effective: ______________ ______________ ______________
(Year) (Month) (Day)
Signature : ____________________________________________________________ Date : _____________ _____________ _____________
(Insured) (Year) (Month) (Day)
Signature : ____________________________________________________________ Date : _____________ _____________ _____________
(Additional Insured) (Year) (Month) (Day)
Signature : ____________________________________________________________ Date : _____________ _____________ _____________
(Additional Insured) (Year) (Month) (Day)
Reason of cancellation: _____________________________________________ New insurer: ________________________________________
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The insured vehicle's insurance certificates can now be downloaded into the Apple Wallet application. Details on the back.
Q.E.F. N 27 : YOUR RENTAL VEHICLE INSURANCE CERTIFICATE
The next time you rent a car, show this certificate to the rental agent to avoid paying additional insurance fees. It's valid in Canada and the United States up to a maximum of Details on back of the certificate.
NUMÉRO DE POLICE / POLICY NUMBER
382787-001
Ryan Craig
6722 Kim Hollow Suite 899
Shirleyburgh, NL B6E 2C9
DURÉE DU CONTRAT DU 2022-12-25 AU 2023-12-25
POLICY PERIOD FROM An/Yr M J/D TO An/Yr M J/D
IMPORTANT
AU BESOIN, VEUILLEZ PRÉSENTER CE CERTIFICAT À VOTRE AGENCE DE LOCATION DE VOITURES
IF NECESSARY, PLEASE PRESENT THIS CERTIFICATE TO YOUR AUTOMOBILE RENTAL AGENCY
Need to file an insurance claim?
Contact us.
Claims Department open 24/7
Local: 098 765-4321
Toll free: 1 800 765-4321
Customer Service
Toll free:1 800 123-4567
HERE ARE YOUR TWO INSURANCE CERTIFICATES FOR THE INSURED VEHICLE
NUMÉRO DE POLICE / POLICY NUMBER
382787-001
Ryan Craig
6722 Kim Hollow Suite 899
Shirleyburgh, NL B6E 2C9
VÉHICULE ASSURÉ / INSURED VEHICLE
Acura RDX 2010 UE4SMUNYHL50SETQ0
DURÉE DU CONTRAT DU 2022-12-25 AU 2023-12-25
POLICY PERIOD FROM An/Yr M J/D TO An/Yr M J/D
Need to file an insurance claim?
Contact us.
Claims Department open 24/7
Local: 098 765-4321
Toll free: 1 800 765-4321
Customer Service
Toll free:1 800 123-4567
NUMÉRO DE POLICE / POLICY NUMBER
382787-001
Ryan Craig
6722 Kim Hollow Suite 899
Shirleyburgh, NL B6E 2C9
VÉHICULE ASSURÉ / INSURED VEHICLE
Acura RDX 2010 UE4SMUNYHL50SETQ0
DURÉE DU CONTRAT DU 2022-12-25 AU 2023-12-25
POLICY PERIOD FROM An/Yr M J/D TO An/Yr M J/D
Need to file an insurance claim?
Contact us.
Claims Department open 24/7
Local: 098 765-4321
Toll free: 1 800 765-4321
Customer Service
Toll free:1 800 123-4567
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CANADA INTER-PROVINCE
MOTOR VEHICLE LIABILITY INSURANCE CARD
Keep with your driver's licence
To download your certificate into the Apple Wallet application (available on iPhone only):
1. Log in to the Client Centre from your phone at assureur.ca/clientcentre.
2. In the Home, auto and leisure vehicles section, click on ''Get an insurance certificate'', then''Add to Apple Wallet''.
You will have to update your certificates at each renewal of, or change to, your insurance policy by downloading it again to the Apple Wallet application.
Assureur cannot guarantee that the electronic version of the certificates will be accepted by all police forces. Make sure you always have a paper version on hand.
CERTIFICAT D'ASSURANCE POUR LOCATION DE VOITURE
(Valide au Canada et aux États-Unis d'Amérique seulement)
Application particulière de l'avenant F.A.Q. 27 : Responsabilité civile du fait de dommages causés à des véhicules dont l'assuré désigné n'est pas propriétaire (incluant les véhicules fournis par un employeur).
En cas de vol ou d'endommagement d'un véhicule de location, Assureur s'engage à rembourser, à l'Assuré ou au propriétaire du véhicule, le montant des dommages réellement encourus et dont l'Assuré ou son conjoint s'est rendu responsable en vertu d'un contrat de location, le tout jusqu'à concurrence de : 75 000 $
CAR RENTAL INSURANCE CERTIFICATE
(Valid only in Canada and the United States of America)
Specific application of Q.E.F. endorsement B 27 : Civil liability resulting from damage caused to vehicles of which named insured is not owner (including vehicles provided by an employer).
In the event of theft or damage to a rental vehicle, Assureur agrees to refund the Insured or the owner of the vehicle, the amount of damage actually incurred and for which the Insured or his/her spouse assumes liability under a rental contract, in all up to: $75,000
CERTIFICAT D'ASSURANCE RESPONSABILITÉ AUTOMOBILE
Le présent certificat est assujetti aux dispositions et conditions de la police d'assurance automobile de l'Assureur.
Ce certificat atteste que la personne susnommée est assurée contre la responsabilité pour blessures et dommages aux biens découlant de l'usage du véhicule ci-décrit, conformément aux limites minimales exigées par les lois d'assurance en vigueur dans chacune des provinces canadiennes.
AVERTISSEMENT - Quiconque émet ou présente un tel certificat comme preuve d'une police d'assurance responsabilité qui effectivement n'est pas en vigueur, est coupable d'une infraction passible d'une forte amende et/ou d'emprisonnement et suspension de son permis.
Tout sinistre devrait être rapporté immédiatement.
CANADA INTER-PROVINCE MOTOR VEHICLE LIABILITY INSURANCE CARD
This certificate is subject to the terms and conditions of the Insurers standard automobile policy.
This certifies that the party named herein is insured against liability for bodily injury and property damage by reason of the operation of the motor vehicle described herein, for an amount not less than the statutory minimum requirements of every province of Canada.
WARNING - Any person who issues or presents such a certificate as proof of insurance when no policy exists is guilty of fraud and liable to a heavy fi ne and/or imprisonment. His driving permit may also be suspended.
All loss should be reported immediately.
CERTIFICAT D'ASSURANCE RESPONSABILITÉ AUTOMOBILE
Le présent certificat est assujetti aux dispositions et conditions de la police d'assurance automobile de l'Assureur.
Ce certificat atteste que la personne susnommée est assurée contre la responsabilité pour blessures et dommages aux biens découlant de l'usage du véhicule ci-décrit, conformément aux limites minimales exigées par les lois d'assurance en vigueur dans chacune des provinces canadiennes.
AVERTISSEMENT - Quiconque émet ou présente un tel certificat comme preuve d'une police d'assurance responsabilité qui effectivement n'est pas en vigueur, est coupable d'une infraction passible d'une forte amende et/ou d'emprisonnement et suspension de son permis.
Tout sinistre devrait être rapporté immédiatement.
CANADA INTER-PROVINCE MOTOR VEHICLE LIABILITY INSURANCE CARD
This certificate is subject to the terms and conditions of the Insurers standard automobile policy.
This certifies that the party named herein is insured against liability for bodily injury and property damage by reason of the operation of the motor vehicle described herein, for an amount not less than the statutory minimum requirements of every province of Canada.
WARNING - Any person who issues or presents such a certificate as proof of insurance when no policy exists is guilty of fraud and liable to a heavy fi ne and/or imprisonment. His driving permit may also be suspended.
All loss should be reported immediately.
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CLIENT ADVANTAGES
Follow us
Add up the savings by bundling your insurance with us! Visit assureur.ca for more information.
Follow us on Facebook to stay on top of our contests and promotions!
(Facebook.com/Assureur).
Visit our Zone assureur.ca blog for a wealth of useful information on the insurance industry and financial services.
Your Saving
Discount for choosing Pre-Authorized Payment as your premium payment method
Summary of Client Advantages
Your auto insurance
Privileged rates for claim-free drivers.
Automatic coverage if you're driving a leased or borrowed vehicle, in Canada or the United States (the eligibility limit is specified in the Q.E.F. endorsement N 27 of your automobile insurance policy). Rental costs for a replacement vehicle in the event of a covered loss: Q.E.F. endorsement N 20a of your insurance policy covers the reimbursement of automobile rental costs and, during a trip, additional living expenses incurred, following an insured loss that deprives you of your vehicle while repairs are being made.
The available amounts are indicated in your insurance policy.
$0 deductible in the event of a hit-and-run, a total loss or for a windshield repair.
Get an additional 10% discount when you insure another vehicle (car, motorcycle, snowmobile, ATV, boat, caravan or motor home) and your residence with us.
Get an additional 5% discount by insuring your home with us.
Your legal assistance
Free legal assistance over the telephone is included with all insurance plans.
No matter what the problem, our lawyers, all members of the Barreau du Québec, are there for you to inform you of your rights. Confidentiality is guaranteed.
For a low fee, protect yourself with comprehensive legal insurance by adding Legal Access Insurance to your coverages. Call us to get the details or to take advantage of this offer!
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CLIENT ADVANTAGES
Summary of Client Advantages
Our Claims Department
Speedy and fair claims process, at your disposal 24/7.
In the event of a loss involving more than one product that's insured with us, you pay a single deductible, the higher of the two.
To support your psychological well-being, we are pleased to offer you the free services of professionals to help you overcome the problems experienced following a loss. Totally confidential, this service is offered to all our insureds in the 12 months following a loss covered by an individual insurance policy. For more information, visit Assureur.ca/MentalHealth.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
TABLE OF CONTENTS
INTRODUCTION 3
1. DOCUMENTS INCLUDED IN INSURANCE CONTRACT 3
2. OBLIGATION TO INFORM INSURER 3
DECLARATIONS 4
SECTION A: COVERAGE FOR CIVIL LIABILITY ARISING FROM PROPERTY DAMAGE AND BODILY INJURY CAUSED TO ANOTHER PERSON (MANDATORY INSURANCE) 6
1. INSURED PERSONS 6
2. INSURED VEHICLES 6
3. PRINCIPAL COVERAGE 6
3.1 Description of principal coverage 6
3.2 Clarification concerning damage 7
4. ADDITIONAL COVERAGES 7
4.1 Protection and defence of insured persons' interests 7
4.2 Bearing certain costs related to legal action 7
4.3 Reimbursement of medical treatment 8
4.4 Bearing costs claimed by municipality 8
5. EXCLUSIONS 8
6. INDEMNITY PAYABLE BY INSURER 8
6.1 General rule 8
6.2 Adjustment of amount of insurance by law 9
6.3 Cases where insured persons must refund indemnity 9
6.4 Limitation of amount of insurance for nuclear hazard 9
6.5 Specific rules for vehicle of which the named insured has recently become the owner 9
6.6 Specific rules for temporary replacement vehicle 9
6.7 Specific rules for vehicle of which named insured is not the owner 10
6.8 Specific rules for trailers or semi-trailers attached to a motor vehicle 10
6.9 Specific rules for insured vehicle in custody of a person engaged in a garage business 10
7. REPRESENTATION MANDATE 11
SECTION B: COVERAGE FOR DAMAGE TO INSURED VEHICLES (OPTIONAL INSURANCE) 11
1. INSURED PERSON 11
2. INSURED VEHICLES 11
3. PRINCIPAL COVERAGE 11
3.1 Description of principal coverage 11
3.2 Description of protections 12
4. ADDITIONAL COVERAGES 13
4.1 Travel expenses due to theft of insured vehicle 13
4.2 Bearing costs claimed by municipality 13
4.3 Bearing other costs 13
5. COVERAGE FOR TEMPORARY REPLACEMENT VEHICLES 14
6. EXCLUSIONS 14
7. DEDUCTIBLE PAYABLE BY NAMED INSURED 15
8. INDEMNITY PAYABLE BY INSURER 15
8.1 General rule 15
8.2 Time of payment 16
8.3 Specific rules for vehicle of which the named insured has recently become the owner 16
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8.4 Specific rules for temporary replacement vehicle 16
8.5 Specific rules for trailers or semi-trailers attached to a motor vehicle 16
GENERAL CONDITIONS 17
1. LAWS APPLICABLE TO INSURANCE CONTRACT 17
2. PLACES WHERE COVERAGE APPLIES 17
3. CONTINUATION OF COVERAGE AFTER A LOSS 17
4. RULES PERTAINING TO APPLICATION OF INSURANCE CONTRACT WHEN THERE ARE TWO OR MORE DESCRIBED VEHICLES 17
5. DISCLOSURE TO INSURER 17
5.1 Initial declaration of risk 17
5.2 Aggravation of risk 18
5.3 Consequences of misrepresentation or non-disclosure 18
6. BREACH OF WARRANTY 19
7. PROHIBITED USE OF INSURED VEHICLE 20
8. EXAMINATION OF INSURED VEHICLES 20
9. NOTICE TO INSURER AND NAMED INSURED 20
REPORTING A LOSS AND SUBMITTING A CLAIM 20
1. WHAT TO DO IN THE EVENT OF A LOSS 20
1.1 Report information to insurer 20
1.2 Fulfil obligations relating to insured vehicle 21
1.3 Refrain from commenting on liability and from settling claim 22
1.4 Cooperate with the insurer 22
2. HOW TO CALCULATE VALUE OF DAMAGE 22
2.1 Value of damage payable by insurer for repair of insured vehicle 22
2.2 Value of damage payable by insurer for insured vehicle if a total loss 23
2.3 Value of damage where insurer may decide to repair, rebuild or replace damaged property 23
3. RIGHT OF INSURER AFTER PAYING AN INDEMNITY (RIGHT OF SUBROGATION) 24
3.1 General rule 24
3.2 Exceptions 24
4. ARBITRATION IN EVENT OF DISAGREEMENT BETWEEN NAMED INSURED AND INSURER 24
4.1 Request for arbitration 24
4.2 Designation of experts and arbitrator 25
4.3 Value of damage payable by insurer 25
4.4 Conduct of arbitration 25
4.5 Choice of language 26
4.6 Place of arbitration proceedings 26
4.7 Arbitrator's decision 26
4.8 Costs and fees of arbitration 26
5. PRESERVATION OF RIGHTS OF NAMED INSURED AND INSURER 26
6. TIME TO START LEGAL ACTION UNDER INSURANCE CONTRACT (PRESCRIPTION PERIOD) 26
EFFECTIVE DATE, RENEWAL AND EXPIRY OF INSURANCE CONTRACT 27
1. EFFECTIVE DATE AND EXPIRY OF INSURANCE CONTRACT 27
2. RENEWAL OF INSURANCE CONTRACT 27
3. CANCELLATION OF INSURANCE CONTRACT ( ENDING OF INSURANCE CONTRACT) 27
3.1 Cancellation by named insured 27
3.2 Cancellation by insurer 28
CANCELLATION TABLE 29
DEFINITIONS 30
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
INTRODUCTION
The following is to provide general explanations concerning the insurance contract to make it easier to understand. These explanations must not be used to create any right or coverage.
In case of any ambiguity or discrepancy between the introduction and the laws applicable to the insurance contract, the terms of the laws will prevail.
1. DOCUMENTS INCLUDED IN INSURANCE CONTRACT
The following documents form part of the insurance contract:
This document, i.e., the ''Quebec Automobile Insurance Policy Form (Q.P.F.) B 1 – Owners' Form,'' a standard document approved by the Autorité des marchés financiers.
Note that the ''Declarations'' section of this insurance policy contains information specific to the named insured.
The endorsements listed in Item 4, ''Declarations.''
Below is useful information to help understand the insurance contract:
Refer to the ''Table of Contents'' to see how the insurance contract is structured and to locate specific information.
Words and expressions in bold throughout this document and in the endorsements are explained in the ''Definitions'' section. Note that the endorsements may include their own definitions.
The insurance contract should be read as a whole. Consequently, clauses should be interpreted as they relate to each other and considering the entire insurance contract.
Coverages described in Section A and Section B are different and apply separately.
Words in the singular include the plural.
2. OBLIGATION TO INFORM INSURER
Both before the contract is made and after, any and all information that may influence the risk must be reported to the insurer. Such information must also be reported upon renewal of the insurance contract.
In case of doubt over the obligation to report specific information, it is advisable to contact the insurer.
Among other information, the following must be reported:
Any change in the use of the described vehicle.
If any persons other than the named insured drive the described vehicle.
Any automobile accident or any loss that occurred in the past.
Any conviction for an offence under the Highway Safety Code.
Any criminal conviction.
Any change or addition to the described vehicle.
Any change to the personal circumstances of the named insured or drivers.
The obligation to inform the insurer is detailed in Article 5, ''General conditions.''
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
DECLARATIONS
ITEM 1
Name and address of the named insured:
The described vehicle is and will be mainly used, stored and parked in the town/city and province shown in Item 1. If not, the client or the named insured must so declare.
ITEM 2
Contract period:
From ________________* to _______________* exclusively.
*at 12:01 A.M. standard time at the address of the named insured.
ITEM 3
Particulars of the described vehicle:
Creditor entitled to the indemnities under Section B, to the extent of the creditor's interest:
ITEM 4
The perils covered by the insurance contract are those for which an amount of insurance, a deductible or an insurance premium is shown in the table below. Coverage is subject to the conditions set out in the insurance contract.
COVERAGE | PERILS | AMOUNT OF INSURANCE AND DEDUCTIBLE | INSURANCE PREMIUM
Section A: Civil liability | Property damage or bodily injury to another person | Amount of insurance: $ | $
Section B: Damage to insured vehicles | Protection 1 : ''All perils'', Protection 2: Collision and upset, Protection 3: All perils other than collision or upset, Protection 4: Specific perils | Deductible per loss: $ $ $ $ | $ $ $ $
Endorsements: | | | $|
Due date for payment of insurance premiums: | Total: | $
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
ITEM 5
The named insured is both the actual owner and the registered owner of the described vehicle. If not, the following information must be provided:
Actual owner:
Registered owner:
ITEM 6
Important statements for analyzing the risk:
ITEM 7
Information for the named insured:
Name of insurance broker or agent:
Address of insurance broker or agent:
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
SECTION A:
COVERAGE FOR CIVIL LIABILITY ARISING FROM PROPERTY DAMAGE AND BODILY INJURY CAUSED TO ANOTHER PERSON
(MANDATORY INSURANCE)
1. INSURED PERSONS
The persons insured under Section A are as follows:
the named insured;
any person who drives an insured vehicle; and
any person who uses an insured vehicle. Any person who operates a part of an insured vehicle is deemed to be using that vehicle.
The legal representatives and succession of such persons are also insured.
A person who steals or assists in stealing an insured vehicle is not insured.
2. INSURED VEHICLES
Unless the context indicates otherwise, the expression ''insured vehicle'' under Section A refers to the following:
A. Described vehicle.
B. Vehicle of which the named insured has recently become the owner, subject to the conditions set out in that definition.
C. Temporary replacement vehicle, subject to the conditions set out in that definition.
D. Vehicle of which the named insured is not the owner, subject to the conditions set out in that definition.
E. Trailer or semi-trailer of which the named insured is the owner, subject to the conditions set out in that definition.
F. Trailer or semi-trailer of which the named insured is not the owner and that is used with a vehicle insured under the insurance contract.
3. PRINCIPAL COVERAGE
3.1 Description of principal coverage
Section A covers the following risk: the financial consequences that an insured person may incur if held civilly liable for damage caused to another person by an insured vehicle.
The insured person's civil liability must arise from the fact that he or she is the owner of the vehicle or was driving or using it.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
3.2 Clarification concerning damage
3.2.1 Damage caused to trailers or semi-trailers of which insured persons are not the owners
When damage is caused to a trailer or semi-trailer of which an insured person is not the owner and:
the trailer or semi-trailer is attached to a motor vehicle used for personal purposes and insured under this Section A; or
it is not attached to a motor vehicle used for personal purposes, provided that it is usually attached to such a vehicle;
the financial consequences suffered by the insured person will be covered if the trailer or semi-trailer is not designed or used either to carry passengers or for demonstration, sales, office or dwelling purposes.
3.2.2 Damage under the Direct Compensation Agreement
When property damage is caused to an insured person and if the Direct Compensation Agreement made in accordance with the Automobile Insurance Act applies, this damage will be covered under Section A.
3.2.3 Damage caused to another named insured
When a named insured suffers damage caused by another named insured, the person who suffers the damage will be deemed to be another person and may therefore be indemnified by the insurer under Section A.
4. ADDITIONAL COVERAGES
When the principal coverage applies, Section A will include the following additional coverages:
4.1 Protection and defence of insured persons' interests
When a loss is reported, the insurer will protect the interests and assume the defence of the insured persons.
The insurer is free to act as it wishes with regard to investigation, transaction or settlement.
However, the insurer may not raise any legal defence prohibited to insurers where the loss occurred.
4.2 Bearing certain costs related to legal action
When an insured person is sued, the insurer will bear
the costs and expenses arising from the lawsuit; and
any interest on the amount of insurance.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
4.3 Reimbursement of medical treatment
When another person suffers bodily injury, the insurer will reimburse expenses incurred by an insured person for immediately necessary medical treatment.
4.4 Bearing costs claimed by municipality
The insurer bears the costs claimed from the named insured by a municipality under the Act respecting municipal taxation and its regulations, if its fire protection service was called to prevent or fight any fire in an insured vehicle.
5. EXCLUSIONS
The following are excluded from coverage under Section A:
A. Any bodily injury when compensation is provided under:
the Automobile Insurance Act,
An Act respecting industrial accidents and occupational diseases, or
the Crime Victims Compensation Act.
However, if the Automobile Insurance Act does not apply, coverage will be provided.
B. Any liability imposed under a worker's compensation act.
C. Any bodily injury caused to a person who is employed by an insured person and who is engaged in the operation or repair of an insured vehicle.
D. Any damage caused to a person who is engaged in a garage business while the insured vehicle is in the person's custody.
E. Any loss that occurs while the insured vehicle is:
leased to another person;
used as a taxicab, sightseeing vehicle, bus, coach or other chauffeur-driven vehicle;
used to carry explosives;
used to carry radioactive material for research, education, development, industrial or other related purposes.
The insurer may accept to insure the above situations by specifying them in ''Declarations'' or by way of an endorsement.
6. INDEMNITY PAYABLE BY INSURER
6.1 General ruleThe indemnity payable by the insurer may not be greater than the amount of insurance, plus any expenses described under the additional coverages. This rule applies even if:
there are more than one insured person or multiple interests;
more than one person suffers damage;
more than one insured person is civilly liable for damage arising from one and the same loss; and
if damage differs in nature.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
If more than one insured person are civilly liable for damage arising from one and the same loss and the amount of insurance is insufficient, the named insured will be given priority for coverage.
6.2 Adjustment of amount of insurance by law
If the amount of insurance is less than the minimum amount prescribed by the applicable laws regarding motor vehicle insurance which are in force where the loss occurred, the amount of insurance will be adjusted to comply with this minimum requirement.
6.3 Cases where insured persons must refund indemnity
If the insurer is required to indemnify another person under a legal provision regarding motor vehicle insurance and the insurer was not otherwise required to do so under the insurance contract, the insured persons agree to refund such indemnity to the insurer, upon request.
6.4 Limitation of amount of insurance for nuclear hazard
If damage arose out of the occurrence of a nuclear hazard, the applicable amount of insurance will be limited to the minimum amount prescribed by either of the following laws, depending on the type of motor vehicle involved in the loss:
Automobile Insurance Act; or
An Act Respecting Off-highway Vehicles.
6.5 Specific rules for vehicle of which the named insured has recently become the owner
A. The vehicle of which the named insured has recently become the owner will benefit from the same coverage as the described vehicle.
B. If the named insured has more than one described vehicle insured with the insurer, under one or more insurance contracts, the vehicle of which he or she has recently become the owner will be insured to the extent of the least of existing coverages on all such other vehicles.
6.6 Specific rules for temporary replacement vehicle
A. Any civil liability insurance contract issued to the owner of a temporary replacement vehicle applies first.
B. This Section A will apply only if the insurance of that owner is insufficient,
up to the amount of insurance on the described vehicle, and
only for the amount exceeding the obligation of the owner's insurer.
If the named insured has more than one described vehicle insured with the insurer, under one or more insurance contracts, the highest amount of insurance on those vehicles will apply.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
6.7 Specific rules for vehicle of which named insured is not the owner
A. Any civil liability insurance contract issued to the owner of a vehicle of which the named insured is not the owner applies first.
B. This Section A will apply only if the insurance of that owner is insufficient,
up to the amount of insurance on the described vehicle, and
only for the amount exceeding the obligation of the owner's insurer.
If the named insured has more than one described vehicle insured with the insurer, under one or more insurance contracts, the highest amount of insurance on those vehicles will apply.
C. For the four exceptions described in the definition of vehicle of which the named insured is not the owner and subject to the conditions set out therein, the amount of insurance is limited to the minimum amount prescribed by either of the following laws, depending on the type of motor vehicle involved in the loss:
Automobile Insurance Act; or
An Act Respecting Off-highway Vehicles.
6.8 Specific rules for trailers or semi-trailers attached to a motor vehicle
A. When one or more trailers or semi-trailers are attached to a motor vehicle, they will be held to be one and the same vehicle.
This rule means that, if damage is caused by the motor vehicle, trailer or semi-trailer, a single amount of insurance will apply, namely, the highest amount.
B. The same rule will apply if the vehicles are insured under different insurance contracts with the insurer.
C. For the four exceptions described in the definition of vehicle of which the named insured is not the owner and subject to the conditions set out therein, the amount of insurance is limited to the minimum amount prescribed by either of the following laws, depending on the type of motor vehicle involved in the loss:
Automobile Insurance Act; or
An Act Respecting Off-highway Vehicles.
6.9 Specific rules for insured vehicle in custody of a person engaged in a garage business
When damage is caused by an insured vehicle in the custody of a garage business at the time of loss:
A. The insurance contract of the person who engages in a garage business and in whose custody the vehicle has been placed applies first, provided such contract covers the person's civil liability without expressly designating the vehicles that are insured.
B. This Section A only applies if such person's insurance is insufficient,
up to the applicable amount of insurance, and
only for the amount exceeding the obligation of that person's insurer.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
7. REPRESENTATION MANDATE
The insured persons authorize the insurer to represent them in any lawsuit brought against them in Canada or the United States.
The lawsuit must arise from the fact that the insured person is the owner of the insured vehicle or from the insured person having been driving or using it.
This representation mandate includes the right for the insurer to appear on behalf of the insured persons and to assume their defence.
The insured persons renounce their right to withdraw this mandate from the insurer without the insurer's consent.
OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
SECTION B:
COVERAGE FOR DAMAGE TO INSURED VEHICLES
(OPTIONAL INSURANCE)
1. INSURED PERSON
The insured person under Section B is the named insured.
To determine which persons are insured when a temporary replacement vehicle is involved in a loss, refer to Article 5, Section B.
2. INSURED VEHICLES
Unless the context indicates otherwise, the expression ''insured vehicle'' under Section B refers to the following vehicles:
A. Described vehicle.
B. Vehicle of which the named insured has recently become the owner, subject to the conditions set out in that definition.
3. PRINCIPAL COVERAGE
3.1 Description of principal coverage
Section B covers:
any direct and accidental damage to an insured vehicle or its equipment and accessories; and
the disappearance of an insured vehicle or its equipment and accessories.
The damage or disappearance must result from the occurrence of a peril covered by the applicable protection.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
3.2 Description of protections
To determine which protection applies, refer to Item 4, ''Declarations.''
3.2.1 Protection 1 – ''All perils'' coverage
This protection covers damage caused by any type of peril. However, perils and damage as listed in Article 6, Section B are excluded.
3.2.2 Protection 2 – Coverage against perils of collision and upset
This protection covers damage caused by the perils of collision and upset.
''Collision'' includes:
any collision between an insured vehicle and the ground;
any collision between two vehicles attached to each other; and
any collision between an insured vehicle and a person or an animal.
''Upset'' of an insured vehicle may be partial or total.
However, perils and damage as listed in Article 6, Section B are excluded.
3.2.3 Protection 3 - Coverage against perils other than collision or upset
This protection covers damage caused by perils other than collision or upset.
Coverage includes damage caused by the following perils:
the perils listed in Protection 4;
falling or flying objects;
malicious mischief; and
projectiles.
Like Protection 2, this protection also covers damage caused by a collision between an insured vehicle and a person or an animal.
However, perils and damage as listed in Article 6, Section B are excluded.
3.2.4 Protection 4 - Coverage against specific perils
This protection only covers damage caused by the following perils:
attempted theft;
civil commotion;
earthquakes;
explosions;
falling or forced landing of aircraft or parts of aircraft;
fire;
hail;
lightning;
riots;
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
rising water;
stranding, sinking, burning, derailment or collision of any vehicle or vessel in or upon which an insured vehicle is being transported;
theft; and
windstorms.
However, perils and damage as listed in Article 6, Section B are excluded.
4. ADDITIONAL COVERAGES
When the principal coverage applies, Section B will include the following additional coverages:
4.1 Travel expenses due to theft of insured vehicle
If an insured vehicle is covered by Protection 1, Protection 3 or Protection 4 and can no longer be used by the named insured due to theft of the entire vehicle, the insurer will reimburse any expenses incurred for:
leasing of temporary replacement vehicle;
public transportation; and
use of taxicab.
Upon submission of receipts, the above expenses will be reimbursed up to a maximum of 40$ a day and 1200$ per loss.
This coverage only applies to expenses incurred 72 hours or more after the theft has been reported to the police or the insurer, even if the insurance contract has expired since the loss.
Expenses will no longer be eligible for reimbursement once:
the insured vehicle has been replaced, or repaired if it was found damaged; or
a settlement agreement for the loss has been reached before the insured vehicle is replaced or repaired.
4.2 Bearing costs claimed by municipality
The insurer bears the costs claimed from the named insured by a municipality under the Act respecting municipal taxation and its regulations, if its fire protection service was called to prevent or fight any fire in an insured vehicle.
4.3 Bearing other costs
The insurer will bear the following costs when the named insured is civilly liable:
general average costs;
salvage costs; and
customs duties of Canada and the United States.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
5. COVERAGE FOR TEMPORARY REPLACEMENT VEHICLES
The insurer will indemnify the named insured and the driver of a temporary replacement vehicle against the financial consequences they may incur when they are civilly liable for:
direct and accidental damage to the vehicle; or
disappearance of the vehicle.
Civil liability may be contractual or extracontractual.
The following conditions apply:
the coverage applicable to the temporary replacement vehicle, i.e., coverage of the described vehicle that it replaces, must include the peril that caused the damage; and
the named insured or the driver must have the care, custody or control of the vehicle.
The additional coverages under Section B do not apply to this coverage. However, the additional coverages under Section A may apply, as the case may be.
Coverage is subject to the exclusions listed in Article 6, Section B.
The indemnity payable by the insurer is determined in accordance with the rules set out in Article 8, Section B.
6. EXCLUSIONS
The following are excluded from coverage under Section B:
A. Damage to tires, except:
if damage is coincident with other damage insured under the same coverage; or
in case of fire, theft or malicious mischief insured under the same coverage.
B. Damage caused by:
breakdown;
corrosion;
explosion within the combustion chamber;
freezing;
mechanical failure;
normal wear and tear; and
rust.
However, the damage described above will not be excluded:
if damage is coincident with other damage insured under the same coverage; or
in case of fire, theft or malicious mischief insured under the same coverage.
C. For Protection 3 and Protection 4 only, theft committed by one of the following persons:
a person whose domicile is the same as that of the named insured;
a person employed by the named insured in operating, selling, equipping, repairing, maintaining, servicing, storing, parking or moving an insured vehicle, whether or not the theft occurs in the course of such service or employment.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
D. Conversion, embezzlement, theft or secretion of an insured vehicle by any person in lawful possession of the vehicle under a hypothec, conditional sale, lease agreement or contract of leasing or under any other similar written agreement.
E. Voluntary parting with title or ownership, with or without breach of trust, fraud or deceitful representation.
F. Contents of a trailer or a semi-trailer.
G. Tapes or accessories for use with a tape recorder or tape player, or compact discs, unless in place in a device.
H. Whether or not war is declared, damage caused directly or indirectly by:
bombardment;
civil war;
insurrection;
invasion;
military power;
operation of armed forces while engaged in hostilities;
rebellion;
revolution; and
usurped power.
I. Damage caused by a loss that occurs while the insured vehicle:
is leased to another person;
is used as a taxicab, sightseeing vehicle, bus, coach or any other chauffeur-driven vehicle;
is used to carry explosives;
is used to carry radioactive material for research, education, development, industrial or other related purposes.
The insurer may accept to insure the above situations by specifying them in ''Declarations'' or by way of an endorsement.
7. DEDUCTIBLE PAYABLE BY NAMED INSURED
The named insured must assume the deductible for the applicable protection. However, if the damage is caused by lightning or fire, the deductible will not apply.
To determine the deductible applicable for each of the protections, refer to Item 4, ''Declarations'', or the endorsements, as applicable.
8. INDEMNITY PAYABLE BY INSURER
8.1 General rule
The indemnity payable by the insurer is equal to the value of the damage, less the deductible. It also includes any expenses described under the additional coverages.
For the rules relating to determination of the value of damage, refer to Article 2, ''Reporting a loss and submitting a claim.''
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
8.2 Time of payment
The insurer must pay the indemnity:
within 60 days after the date on which the named insured reported the loss; or
within 60 days after receipt by the insurer of the information or supporting documents that it requested.
8.3 Specific rules for vehicle of which the named insured has recently become the owner
A. If a vehicle of which the named insured has recently become the owner replaces or is in addition to a sole described vehicle:
coverage will be the same as for the described vehicle;
the deductible will be the same as for the described vehicle.
B. If the vehicle is in addition to more than one described vehicle covered under one or more insurance contracts with the insurer:
damage will be covered only to the extent that all the described vehicles are covered, at the date of loss, for the peril that caused the damage;
the applicable deductible will be the highest of all deductibles for the protections covering the peril that caused the damage.
8.4 Specific rules for temporary replacement vehicle
A. Any insurance contract issued to the owner of the temporary replacement vehicle will apply first.
B. This Section B only applies if:
the owner of the vehicle is not covered for the damage caused to his or her vehicle; or
the owner of the vehicle is covered, but the deductible under his or her insurance contract is higher than the deductible under this contract. The indemnity under this Section B is then limited to the difference between:
- the deductible payable by the owner of the vehicle; and
- the deductible payable for the described vehicle that is being replaced by the temporary replacement vehicle.
8.5 Specific rules for trailers or semi-trailers attached to a motor vehicle
If one or more trailers or semi-trailers are attached to a motor vehicle and the vehicles incur damage in the same loss:
the vehicles will be held to be separate vehicles; and
their own coverage and their own deductible will apply.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
GENERAL CONDITIONS
1. LAWS APPLICABLE TO INSURANCE CONTRACT
The insurance contract is governed by the following laws:
Civil Code of Quebec;
Code of Civil Procedure of Quebec;
Automobile Insurance Act and its regulations; and
An Act Respecting Off-highway Vehicles, where applicable.
Some of the general conditions of the insurance contract are a simplified version of the requirements of the above laws. In case of any ambiguity or discrepancy, the terms of the laws will prevail.
2. PLACES WHERE COVERAGE APPLIES
The coverage provided under the insurance contract will apply only if the loss occurs:
in Canada or the United States; or
on a vessel or in an aircraft travelling between the seaports and airports of those countries.
The insurer may accept, by way of endorsement, to cover a loss that occurs elsewhere.
3. CONTINUATION OF COVERAGE AFTER A LOSS
A loss does not cause the insurance contract to terminate.
4. RULES PERTAINING TO APPLICATION OF INSURANCE CONTRACT WHEN THERE ARE TWO OR MORE DESCRIBED VEHICLES
If there are two or more described vehicles, the insurance contract is deemed to apply to each of the vehicles as if a separate contract had been issued for each of them.
5. DISCLOSURE TO INSURER
5.1 Initial declaration of risk
The client and the insured person if required by the insurer are bound to represent the facts known to them that are likely to materially influence an insurer in:
analyzing the risk;
deciding whether or not to cover the risk; or
setting the insurance premium.
However, the client and the insured person are not required to represent facts known to the insurer already or which the insurer is presumed to know by their notoriety, unless the insurer asks questions in that regard.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
5.2 Aggravation of risk
5.2.1 Obligation of insured person
The insured person is required to promptly report to the insurer any change that increases the risks specified in the insurance contract.
The facts to be reported must result from events within the control of the insured person.They must also be likely to materially influence an insurer in:
analyzing the risk;
deciding whether to continue or terminate the insurance contract; or
setting the insurance premium.
5.2.2 Rights of insurer
Upon being informed of any new facts, the insurer may:
propose a new insurance premium to the named insured in writing. The named insured must then accept and pay the new insurance premium within 30 days of the proposal, failing which the insurance contract will terminate; or
cancel the insurance contract subject to the conditions set out in Article 3, ''Effective date, renewal and expiry of insurance contract.''
However, if the insurer continues to accept payment of the insurance premium or if the insurer pays an indemnity after a loss, the insurer will be deemed to have accepted the new facts as reported.
5.3 Consequences of misrepresentation or non-disclosure
5.3.1 Consequences for Section A
A. Nullification of Section A
Section A may be nullified at any time at the instance of the insurer if:
(a) the client or an insured person:
has falsely declared any of the information that must be reported, as stated in Articles 5.1 and 5.2 of this section (known as ''misrepresentation''); or
has voluntarily failed to disclose any of the information referred to in Articles 5.1 and 5.2 of this section (known as ''concealment'');
and
(b) such misrepresentation or concealment is likely to substantially influence a reasonable insurer in the decision to cover the risk.
B. Reduction of indemnity following a loss
If, following a loss, the insurer fails to establish that the misrepresentation or concealment was likely to substantially influence a reasonable insurer in the decision to cover the risk, the insurer will be required to pay a portion of the indemnity.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
The indemnity is calculated in proportion to the insurance premium established by the insurer before becoming aware of the misrepresentation or concealment, divided by the insurance premium that the insurer would have established, had the client or the insured person provided the information that they were required to disclose.
5.3.2 Consequences for Section B
A. Nullification of Section B
Section B may be nullified at any time at the instance of the insurer if:
(a) the client or an insured person:
has falsely declared any of the information that must be reported, as stated in Articles 5.1 and 5.2 of this section (known as ''misrepresentation''); or
has voluntarily failed to disclose any of the information referred to in Articles 5.1 and 5.2 of this section (known as ''concealment'');
and
(b) such misrepresentation or concealment is likely to substantially influence a reasonable insurer in the decision to cover the risk.
Following a loss, Section B may be nullified at the instance of the insurer even if the loss does not result from the risk so misrepresented or concealed.
B. Reduction of indemnity following a loss
Following a loss, and notwithstanding any misrepresentation or concealment, the insurer is required to pay a portion of the indemnity if the insurer fails to establish:
the bad faith of the named insured or the client; or
that it would not have covered the risk, had it known the true facts.
The indemnity is calculated in proportion to the insurance premium established by the insurer before becoming aware of the misrepresentation or concealment, divided by the insurance premium that the insurer would have established, had the client or the insured person provided the information that they were required to disclose.
6. BREACH OF WARRANTY
In the event of a breach of warranty aggravating the risk, coverage of the risk subject to the warranty will be suspended.
The suspension will cease when:
an insured person remedies the breach; or
the insurer gives its consent.
Warranties may be found, among others, in:
the ''Declarations'' section; and
the endorsements.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
7. PROHIBITED USE OF INSURED VEHICLE
The insured vehicle may not be driven or operated by the insured persons
(a) When the insured persons:
are under 16 years of age or the legal age to drive; and
are not authorized to drive, by law, or qualified to drive or operate the vehicle.
(b) To make any illicit trade or transportation.
(c) To participate in a race or speed test.
In addition, the insured persons are not to allow another person to use the insured vehicle in the above situations.
8. EXAMINATION OF INSURED VEHICLES
At any reasonable time, the insurer is entitled to examine the described vehicle and its equipment and accessories.
9. NOTICE TO INSURER AND NAMED INSURED
Any notice to the insurer may be sent by any recognized means of communication to the insurer or its authorized representative.
Any notice to the named insured may be delivered personally to the named insured or by mail to the last known address of the name insured.
REPORTING A LOSS AND SUBMITTING A CLAIM
1. WHAT TO DO IN THE EVENT OF A LOSS
1.1 Report information to insurer
1.1.1 Report the loss
Notice must be given to the insurer as soon as an insured person becomes aware of a loss that may be covered under the insurance contract.
Any interested person may give such notice to the insurer.
Failure to fulfil the obligation to report the loss will result in the loss of his or her right to indemnity for the insured person if such failure causes prejudice to the insurer.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
1.1.2 Report any additional information
When so requested by the insurer, the insured person will be required to inform the insurer as soon as possible of all the circumstances surrounding the loss, including:
the probable cause of the loss;
the nature and extent of the damage;
the location of the insured vehicle or any other property;
the rights of another person; and
any other insurance contracts that may apply.
The insured person must also provide the insurer with supporting documents and declare under oath that all of the information provided is true.
If, for any serious reason, the insured person is unable to fulfil these obligations as soon as possible, the insured person will be entitled to a reasonable time in which to do so.
If the insured person fails to fulfil these obligations, any interested person may do so on the insured person's behalf.
The insured person must also provide the insurer promptly with a copy of any documents received in connection with a claim, including:
notices;
letters; and
summons and any other legal process.
1.1.3 Consequences of deceitful representations
If a person makes a deceitful representation relating to a loss, the person will lose his or her right to an indemnity. The person will lose that right solely with respect to the damage caused by the occurrence of the peril to which the deceitful representation relates.
However, if the occurrence of the peril caused damage both to property for occupational use and to personal property, the person will lose his or her right to indemnity solely with respect to the damage caused to the class of property to which the deceitful representation relates.
1.2 Fulfil obligations relating to insured vehicle
1.2.1 Do not abandon insured vehicle
The insured person must not abandon the insured vehicle or any other damaged property without the insurer's consent.
1.2.2 Facilitate the salvage and examination of the insured vehicle by the insurer
The insured person must facilitate the salvage of the insured vehicle and any other insured property.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
The insured person must also facilitate the examination by the insurer. This includes allowing the insurer and its representatives to visit any premises and examine the insured vehicle and its equipment and accessories.
1.2.3 Protect the insured vehicle
The insured person must ensure the protection of the insured vehicle from further loss or damage, as far as reasonably possible and at the expense of the insurer.
If the insured person fails to fulfil this obligation, any damage resulting directly or indirectly will be at the insured person's expense.
1.2.4 Do not perform repairs or remove physical evidence
Until the insurer has had a reasonable time to examine the insured vehicle, as provided for in Article 8, ''General conditions'':
no repairs must be made to the vehicle; and
no physical evidence of the damage must be removed from the vehicle.
However, such actions may be taken if
they are necessary to protect the insured vehicle; or
the insurer gives its consent in writing.
1.3 Refrain from commenting on liability and from settling claim
Except at his or her own cost, following a loss, the insured person must refrain:
from commenting on his or her liability; and
from settling or attempting to settle any claim.
Should an insured person enter into an agreement (called a ''transaction'') in respect of the loss, without the consent of the insurer, the insurer will not be bound by such agreement.
1.4 Cooperate with the insurer
The insured person must cooperate with the insurer in the processing of any claim.
2. HOW TO CALCULATE VALUE OF DAMAGE
The value of damage payable by the insurer may not be greater than the ''actual cash value'' of the insured vehicle.
Once the named insured has been indemnified, the insurer has the right to recover the damaged property in whole or in part.
2.1 Value of damage payable by insurer for repair of insured vehicle
The value of damage is determined on the basis of, among other things, the cost of materials at the time of loss.
The materials used to repair the insured vehicle, or to replace the damaged parts, must be of like kind and quality, taking into account any kind of depreciation.
<###NEW_PAGE###>
OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
2.1.1 Clarification concerning automobile body parts
The insurer will determine the cost of materials on the basis of original equipment manufacturer parts if
the vehicle is less than two years old or has less than 40,000 km; or
the vehicle is used for commercial purposes and is less than one year old.
In all other instances, the insurer may base its determination on the cost of similar automobile body parts. However, the named insured may ask for original equipment manufacturer parts, if available, and must then inform the insurer accordingly when reporting the loss. The insurer will then specify the applicable conditions and additional costs that the named insured will be required to pay.
2.1.2 Parts out of stock or no longer manufactured
If the materials needed to repair the vehicle include replacement parts that are out of stock or no longer manufactured, the liability of the insurer will be limited to the latest list price of original equipment manufacturer parts.The insurer may also take into account any kind of depreciation.
2.2 Value of damage payable by insurer for insured vehicle if a total loss
If the insured vehicle is a total loss or constructive total loss, the value of damage will be equal to the ''actual cash value'' of the insured vehicle.
In spite of the total loss or constructive total loss of the insured vehicle, the named insured may ask for the vehicle to be restored to the same condition as it was at the time of loss.
The named insured must provide the insurer with supporting evidence to determine the vehicle's condition at the time of loss.
In such instance, the insurer must accept the request if it considers that the costs are reasonable to restore the vehicle to the condition it was in at the time of loss.
2.3 Value of damage where insurer may decide to repair, rebuild or replace damaged property
In the absence of arbitration, and subject to the rights of preferred and hypothecary creditors, the insurer may decide to repair, rebuild or replace the damaged property with other property of like kind and quality, instead of making a cash payment.
Before repairing, rebuilding or replacing the property, the insurer must inform the named insured in writing within seven days after receipt of the proof of loss.
In addition, the property must be repaired, rebuilt or replaced within a reasonable amount of time.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
3. RIGHT OF INSURER AFTER PAYING AN INDEMNITY (RIGHT OF SUBROGATION)
3.1 General rule
After paying an indemnity, the insurer will be subrogated to the rights of the insured person against the person responsible for the damage. This means that the rights of the insured person are transferred to the insurer.
Subrogation operates up to the amount of the indemnity paid by the insurer.
If the insurer cannot exercise its right of subrogation due to any act of the insured person, the insurer may be fully or partly released from its obligations towards the insured person.
3.2 Exceptions
In the following two instances, the insurer cannot ask the person responsible for the damage to reimburse the indemnity that it has paid:
(a) When that person is a member of the insured person's household;
(b) For Section B only, when that person had care, custody or control of the insured vehicle, with the consent of the named insured. The latter exception will not apply if the person:
was engaged in a garage business at the time of loss; or
has failed to comply with the insurance contract.
4. ARBITRATION IN EVENT OF DISAGREEMENT BETWEEN NAMED INSURED AND INSURER
4.1 Request for arbitration
The named insured or the insurer may request arbitration in the event of disagreement on the following:
the nature, extent or value of the damage;
the adequacy of the repairs or replacement.
Arbitration may be requested even if the validity of the insurance contract is being challenged.
4.1.1 Request made by named insured
The named insured must send a written notice to the insurer indicating the reason of the disagreement.
The insurer must accept a request for arbitration made by the named insured and send the name insured an acknowledgement of receipt within 15 clear days after receipt of the notice.
4.1.2 Request made by insurer
The insurer must send a written notice to the named insured indicating the reason of the disagreement.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
The named insured must send the insurer confirmation of his or her acceptance or refusal to submit the disagreement to arbitration within 15 clear days after receipt of the notice.
4.2 Designation of experts and arbitrator
The insurer and the named insured must each choose an expert.
Depending on the nature of the disagreement, both experts thus chosen must determine:
the nature, extent and value of the damage. In order to do so, they must assess
separately the ''actual cash value'' and the cost of repair or replacement; or
the adequacy of the repair or replacement.
If their assessments differ, experts must try and agree on a common value.
Should they fail to agree, they must submit their difference to a neutral arbitrator of their choosing, that is, an arbitrator who represents the interests of neither the insurer nor the named insured.
The insurer or the named insured must ask a competent jurisdiction where the arbitration is held to appoint the arbitrator or experts if:
the insurer or the named insured failed to choose an expert within 30 clear days of the date of notice;
the experts fail to choose an arbitrator within15 clear days of their appointment; or
one of the experts or the arbitrator refuses to act or is unavailable.
4.3 Value of damage payable by insurer
Even if there is arbitration, the insurer will be required to pay the unchallenged portion of the value of damage. Payment must be made no later than:
within 60 days after the loss was reported; or
within 60 days after receipt by the insurer of the information or supporting documents that it requested.
However, if the validity or application of the insurance contract is being challenged, the insurer will not be required to pay such amount within the above time periods.
Following arbitration, the insurer will be required to pay the amount determined by the arbitrator within 15 days after the date on which the named insured accepted the arbitrator's decision.
4.4 Conduct of arbitration
The arbitration must follow the procedure outlined in Articles 940 to 951.2, Code of Civil Procedure of Quebec, with the necessary modifications due to specific rules set out in the insurance contract.
As stated in Article 944.1, Code of Civil Procedure of Quebec, the arbitrator may decide which procedure to apply for arbitration. Nonetheless, the arbitrator must ensure that the rules set out in Articles 940 to 951.2, Code of Civil Procedure of Quebec are followed.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
4.5 Choice of language
The arbitrator, the insurer and the named insured may use the language of their choice during arbitration proceedings. Arrangements must be made to ensure that proceedings are understood by everyone.
4.6 Place of arbitration proceedings
Arbitration proceedings take place in a location to be determined according to the domicile of the named insured.
4.7 Arbitrator's decision
The arbitrator renders a decision based on the applicable laws of Quebec.
The arbitrator's decision must be written and reasoned. It must also be signed and indicate the date and place where it was made.
The decision must be sent to the insurer and the named insured within 30 days after the date on which it was made.
4.8 Costs and fees of arbitration
The insurer and the named insured each pay the costs and fees of their own expert and half the costs and fees of the arbitration proceedings.
However, if the arbitrator considers that the method for sharing the costs and fees of the arbitration proceedings is not justified or fair in the circumstances, the arbitrator may decide otherwise.
5. PRESERVATION OF RIGHTS OF NAMED INSURED AND INSURER
The actions of the named insured or the insurer are not considered as the waiving of their rights under the insurance contract if they relate to:
investigation of a loss;
settlement of a loss;
arbitration; and
proof of loss.
6. TIME TO START LEGAL ACTION UNDER INSURANCE CONTRACT (PRESCRIPTION PERIOD)
Any legal action arising from the insurance contract, including a lawsuit must be started within three years after the date on which the right of action has arisen.
EFFECTIVE DATE, RENEWAL AND EXPIRY OF INSURANCE CONTRACT
1. EFFECTIVE DATE AND EXPIRY OF INSURANCE CONTRACT
The insurance contract takes effect and expires at the time and dates indicated in Item 2, ''Declarations'' or, where applicable, in the endorsements.
2. RENEWAL OF INSURANCE CONTRACT
Upon its date of expiry, the insurance contract will be renewed automatically, unless notice to the contrary is given by the named insured or the insurer.
The insurance contract will be renewed for the same insurance premium and the same period, unless notice to the contrary is given by the named insured or the insurer.
The notice sent by the insurer may be a notice of non-renewal or a notice to change the insurance premium. The notice must be sent to the named insured no later than 30 days before the date of expiry of the insurance contract, at the last known address of the named insured.
If the named insured uses an insurance broker, the insurer's notice must be sent to the insurance broker who must then deliver it to the named insured.
3. CANCELLATION OF INSURANCE CONTRACT ( ENDING OF INSURANCE CONTRACT)
3.1 Cancellation by named insured
3.1.1. Conditions to be met
The named insured may cancel the insurance contract at any time by written notice to the insurer.
The named insureds may mandate one or more of them to send a notice on behalf of them all.
Cancellation takes effect upon receipt by the insurer of the notice of each of the named insureds or their representative.
3.1.2 Refund of insurance premium
If the insurance contract is cancelled by the named insured, the insurer must refund any overpayment of insurance premiums, as calculated according to the ''Cancellation table.'' The ''Cancellation table'' is part of the insurance contract.
However, if the insurance premium was paid to the insurer by the insurance broker, the named insured may be refunded solely for what has actually been paid or refunded to the insurance broker.
<###NEW_PAGE###>
OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
3.2 Cancellation by insurer
3.2.1 Conditions to be met
A. Cancellation within 60 days
The insurer may cancel the insurance contract within 60 days after its effective date.
The insurer must send a written notice to each of the named insureds or their representative.
Cancellation takes effect 15 days after receipt of the notice by each of the named insureds or by their representative, at their last known address.
B. Cancellation after 60 days
More than 60 days after the effective date of the insurance contract, the insurer may cancel the insurance contract only if
there has been an aggravation of risk which is likely to substantially influence a reasonable insurer in the decision to maintain the insurance contract; or
the insurance premium has not been paid.
The insurer must send a written notice to each of the named insureds or their representative.
Cancellation is effective either:
30 days after receipt of the notice by each of the named insureds or by their representative, at their last known address; or
15 days after receipt of the notice by each of the named insureds or by their representative, at their last known address, if the described vehicle is a vehicle under Title VIII.1, Highway Safety Code, and is not a school bus.
3.2.2 Refund of insurance premium
If the insurer cancels the insurance contract, the insurer will be entitled only to the portion of the insurance premium corresponding to the number of days for which the named insured was actually covered under the insurance contract.
If the named insured paid the insurance premium in advance, the insurer must refund the overpayment. However, if the insurance premium was paid to the insurer by the insurance broker, the named insured may be refunded solely for what has actually been paid or refunded to the insurance broker.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
CANCELLATION TABLE
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
DEFINITIONS
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
Unless the context indicates otherwise, the definitions below applies apply to the words and expressions shown in bold in the insurance contract. Because of the context, a defined word or expression may not be shown in bold in the insurance contract, in which case it is being used in its ordinary meaning and the definition does not apply.
Some of the definitions are a simplified version of those set out in the following laws:
Civil Code of Quebec;
Code of Civil Procedure of Quebec;
Automobile Insurance Act; and
An Act Respecting Off-highway Vehicles.
In case of any ambiguity or discrepancy, the terms of the laws will prevail.
AMOUNT OF INSURANCE: The maximum amount payable by the insurer, under Item 4, ''Declarations'' or in an endorsement.
BODILY INJURY: Any physical or mental injury, including death.
CLIENT: The person who submits an application to the insurer in order to enter into an insurance contract. The insurance application may be made for the client personally or for another person.The client is not necessarily the named insured.
DAMAGE:
In Section A, ''damage'' refers to both property damage and bodily injury.
In Section B, ''damage'' refers solely to property damage.
DEDUCTIBLE: The amount left to be paid by the named insured.
DESCRIBED VEHICLE: A motor vehicle, trailer or semi-trailer specifically designated in Item 3, ''Declarations'', or included within the description of described vehicles therein.
ENDORSEMENT: A document modifying the insurance contract and officially called ''Quebec Endorsement Form'' or ''Q.E.F.''
GARAGE BUSINESS: Includes any business activity involving the custody, selling, equipping, repairing, maintaining, storing, parking, moving or servicing of motor vehicles.
INSURANCE PREMIUM: The amount payable to the insurer in consideration of the coverages provided under the insurance contract.
INSURER: The insurer issuing this insurance contract.
LOSS: A risk that occurs and causes damage.
MOTOR VEHICLE: A vehicle propelled by any power other than muscular force and adapted for transportation on public highways but not on rails.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
MOTOR VEHICLE USED FOR PERSONAL PURPOSES: Includes any utility motor vehicle while used for personal purposes and whose gross vehicle weight does not exceed 4,500 kg (10,000 lbs.).
NAMED INSURED: A person designated in Item 1, ''Declarations.''
NUCLEAR HAZARD: The risk arising from the hazardous nature of substances:
that have radioactive, toxic or explosive properties; and
that are prescribed under the Nuclear Safety and Control Act or its regulations.
ANOTHER PERSON: Anyone who is not an ''insured person'' under the insurance contract.
OWNER: A person who acquires or possesses a motor vehicle under one of the following:
a document confirming the person's status as owner of the vehicle (called a ''title of ownership'');
a document entitling the person to become the owner of the vehicle subject to certain conditions or at a certain time;
a document entitling the person to use the vehicle as if the owner, for a certain amount of time only;
a lease agreement for a period of not less than one year.
PROPERTY DAMAGE: Any damage caused to a motor vehicle or another type of property, including their disappearance.
SPOUSE: A person who, at the time of the loss:
(a) is married to and living with another person;
(b) is not married, but has been living in a de facto union with another person of the same or opposite sex and is publicly represented as spouse. These conditions must exist for at least three years or, in the following cases, for at least one year:
a child has been born or is to be born of their union;
they have adopted a child together; or
one of them has adopted a child of the other.
TEMPORARY REPLACEMENT VEHICLE: A motor vehicle used temporarily to replace a described vehicle, if the following conditions are met:
the described vehicle cannot be used for one of the following reasons: breakdown, repair, maintenance, loss, destruction, sale or servicing; and
neither the named insured nor anyone whose domicile is the same as that of the named insured is owner of the temporary replacement vehicle.
TRAILER OR SEMI-TRAILER OF WHICH THE NAMED INSURED IS THE OWNER: A trailer or semi-trailer of which the named insured is the owner and that is not described in Item 3, ''Declarations'', if:
(a) the trailer or semi-trailer is not designed or used to carry passengers or for demonstration, sales, office or dwelling purposes; and
(b) the trailer or semi-trailer is attached to a motor vehicle used for personal purposes that is insured, or is not attached to such a vehicle provided that it is usually attached to such a vehicle.
VEHICLE OF WHICH THE NAMED INSURED HAS RECENTLY BECOME THE OWNER: A motor vehicle, trailer or semi-trailer of which the named insured has recently become the owner, if the following conditions are met:
(a) Within 14 days of taking possession of the vehicle, the named insured informs the insurer that he or she is the owner thereof.
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OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
(b) The vehicle replaces or is in addition to one or more described vehicles. If the vehicle is in addition to one or more described vehicles:
the named insured must have no other specific insurance in respect of such vehicle at the date of loss; and
the insurer must insure all the other vehicles of which the named insured is the owner on the date of taking possession of the vehicle.
(c) The named insured agrees to pay the additional insurance premium charged by the insurer.
If the named insured is engaged in the business of selling motor vehicles, the motor vehicles acquired for such business activities will not be held to be ''vehicles of which the named insured has recently become the owner.''
VEHICLE OF WHICH THE NAMED INSURED IS NOT THE OWNER: A motor vehicle of which the named insured is not the owner provided the conditions outlined below are met. The conditions differ, depending on whether the named insured is an individual or a legal person, partnership or association.
(a) If the named insured is an individual: At the time of loss, the driver must be the named insured or his or her spouse.
However, in the four exceptions listed below, the vehicle will be held to be an insured vehicle only if driven by the owner of a described vehicle. In addition, only the owner will be covered, and only for a reduced amount of insurance (see Articles 6.7 and 6.8, Section A):
1. At the time of loss, the vehicle is being driven in connection with a garage business.
2. The owner of the vehicle is a person whose domicile is the same as that of the named insured.
3. The vehicle is provided by the employer of the named insured or by the employer of anyone whose domicile is the same as that of the named insured.
4. The vehicle is appropriated for a use, outside Quebec:
as a taxicab, bus or coach; or
for commercial delivery.
(b) If the named insured is a legal person, partnership or association:
1. At the time of loss, the vehicle must be driven by one of the following drivers or by their spouse:
an employee of the named insured;
a shareholder of the named insured;
a member of the named insured;
a partner of the named insured.
2. These drivers must regularly use the described vehicle.
3. These drivers or their spouse must not be owners of a motor vehicle.
4. At the time of loss, the vehicle is not being driven in connection with a garage business.
5. The vehicle must not be appropriated to a use outside Quebec:
as a taxicab, bus or coach; or
for commercial delivery.
<###NEW_PAGE###>
OWNERS FORM
Q.P.F. B 1 – QUEBEC AUTOMOBILE INSURANCE POLICY (2014-03)
Approved by the Autorité des marchés financiers
6. Neither the named insured, nor the employee of the named insured, nor the following persons must be owners of the vehicle or in possession of the vehicle under a written agreement similar to a hypothec, conditional sale or lease agreement:
a shareholder, member or partner of the named insured;
anyone whose domicile is the same as that of the named insured or of the named insured's employee, shareholder, member or partner.
Condition 6 will not apply in the case of a lease for use that is not regular or frequent.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 5a
Vehicles leased or under a contact of leasing Changes
when owner and one lessee are mentioned as insureds
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement changes the insurance contract:
when the specified vehicle leased or under a contract of leasing; and
when the owner and one lessee of the vehicle are mentioned as insureds under the insurance contract.
The expression ''named insured'' will then be replaced by ''named lessee'' in the definition of the following
''insured vehicles'':
Vehicle of which the named insured has recently become the owner.
Temporary substitute vehicle.
Vehicle of which the named insured is not the owner.
Trailer or semi-trailer of which the named insured is the owner.
Trailer or semi-trailer of which the named insured is not the owner and that is used in connection with a vehicle insured under the insurance contract.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 16
Suspension of coverage during vehicle storage
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract. Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsement itself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Date of storage: at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement suspends certain coverage under the insurance contract due to storage of the specified vehicle.
Suspension of coverage
The named insured declares that the specified vehicle will be withdrawn from use and stored as of the date of storage and therefore requests that the following coverage be suspended from that date:
1. Suspended coverage under Section A
Coverage under Section A of the insurance contract is suspended with regard to the driving or use of the following vehicles:
specified vehicle;
any vehicle of which the named insured has recently become the owner that replaces or is in addition to the specified vehicle;
any temporary substitute vehicle that replaces the specified vehicle.
The named insured will continue to benefit from the other coverage under Section A.
2. Suspended coverage under Section B
Coverage under Protections 1 and 2, Section B of the insurance contract is suspended with regard to the driving or use of the following vehicles:
specified vehicle;
any vehicle of which the named insured has recently become the owner that replaces or is in addition to the specified vehicle;
any temporary substitute vehicle that replaces the specified vehicle.
The named insured will continue to benefit from the other coverage under Section B.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
End of suspension of coverage
The suspended coverage will be reinstated on one of the following dates:
on the date determined by the named insured, if he or she has first informed the insurer accordingly;
if no date has thus been determined, on the April 1st following the date of storage.
The insurance contract must be in force for coverage to be reinstated.
Rebate
The named insured is entitled to a rebate for the storage period, calculated on the following basis:
All other conditions of the insurance contract remain the same.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 20
Travel expenses
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Additional insurance premium payable:
Amount payable:
Due date:
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement extends coverage under Section B of the insurance contract by replacing the wording of Article 4.1, ''Travel expenses due to theft of insured vehicle'' with the wording below.
This endorsement will apply only to the specified vehicle and only if the value of damage to the specified vehicle is greater than the deductible amount applicable to the loss that caused the damage.
''4.1 Travel expenses
4.1.1 Description of travel expenses
If the named insured is no longer able to use the insured vehicle due to a covered loss, the insurer will reimburse any expenses incurred for
leasing of a temporary replacement vehicle;
public transportation;
use of taxicab.
Upon submission of receipts, payment for the above expenses will be made up to a maximum of $ a day and $ per loss for each insured vehicle.
The above amounts cannot be less than the amounts that were specified in Additional coverages 4.1, of the insurance contract.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
4.1.2 Application of coverage
If the entire insured vehicle was stolen, this coverage will apply only to expenses incurred from 12:01 A.M. the day after the theft is reported to the police or to the insurer.
For all other covered losses, this coverage will apply only to expenses incurred:
from the time at which the insured vehicle can no longer be operated under its own power due to damage to the vehicle; or
from the time at which the insured vehicle is delivered for repair, if it can still be operated in spite of damage to the vehicle.
Expenses will be eligible for reimbursement even if the insurance contract has expired since the loss.
Expenses will no longer be eligible for reimbursement once :
the insured vehicle has been replaced or repaired; or
a settlement agreement for the loss has been reached before the insured vehicle is replaced or repaired.''
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 20a
Travel costs (broad form)
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement extends coverage under Section B of the insurance contract by replacing the wording of Article 4.1, ''Travel costs due to theft of insured vehicle'' with the wording below.
This endorsement will apply only to the specified vehicle and only if the value of damage to the specified vehicle is greater than the deductible amount applicable to the loss that caused the damage.
''4.1 Travel costs
4.1.1 Description of travel costs
If the named insured is no longer able to use the insured vehicle due to a covered loss, the insurer will reimburse expenses incurred for
public transportation;
leasing of a temporary replacement vehicle;
taxicab fares.
Upon submission of receipts, payment for the above expenses will be made up to a maximum of $ a day and $ per loss for each insured vehicle.
The above amounts cannot be less than the amounts that were entered in Additional coverages 4.1, of the insurance contract.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
4.1.2 Application of coverage
If the entire insured vehicle was stolen, this coverage will apply only to expenses incurred from 12:01 A.M. the day after the theft is reported to the police or to the insurer.
For all other covered losses, this coverage will apply only to expenses incurred from the time at which the insured vehicle:
can no longer be operated under its own power due to damage to the vehicle; or
is delivered for repair, if it can still be operated in spite of damage to the vehicle.
Expenses will be eligible for reimbursement even if the insurance contract has expired since the loss.
Expenses will no longer be eligible for reimbursement once
the insured vehicle has been replaced or repaired; or
a settlement agreement for the loss has been reached before the insured vehicle is replaced or repaired.''
4.1.3 Additional costs covered during a trip
When a covered loss occurs during a trip, the expenses described in paragraphs (a) and (b) below will be covered, in addition to the expenses listed in paragraph 4.1.1.
The expenses will be covered up to a maximum of % of the maximum amount payable per loss shown in paragraph 4.1.1.
(a) Any additional travel expenses incurred by the named insured, his or her spouse or any other person whose domicile is the same as theirs, to:
continue the trip;
return to the domicile of the named insured;
return to where the insured vehicle is usually parked.
Additional expenses include the cost of meals and accommodation and the cost of transportation of personal effects.
(b) Any other additional expenses similar to those described in paragraph (a), incurred to retrieve the insured vehicle where it was repaired and return it to one of the following places:
the current location of the named insured, his or her spouse or any other person whose domicile is the same as theirs. However, if that location is further away than the travel destination that had been planned before the loss, only the expenses required to return the insured vehicle to the planned destination are covered;
the domicile of the named insured; or
the place where the insured vehicle is usually parked.
The expenses must have been incurred by the named insured, his or her spouse and any other person whose domicile is the same as theirs or any person of their choice.''
All other conditions of the insurance contract remain the same.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 23a
Notice to creditor
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Name of creditor:
Address of creditor:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement changes Section B of the insurance contract by adding the following obligation:
The insurer must give the creditor notice at least 15 days before cancelling or changing any coverage under Section B.
The insurer is required to do so only if cancelling or changing the coverage is prejudicial to the creditor.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 25
Changes to the Declarations
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
This endorsement may not be used in any way to change the standard wording of the insurance contract approved by the Autorité des marchés financiers.
Endorsement description
This endorsement makes the following changes to the details entered in the ''Declarations'' section of the insurance contract
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 31
Equipment not owned by the named insured
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement extends coverage under the insurance contract to the following equipment not owned by the named insured:
Application
The equipment must be normally attached to the specified vehicle. In addition, the named insured must have the care, custody or control of such equipment.
1. Section A
Coverage under Section A is extended to the financial consequences that an insured person may incur if held civilly liable for damage caused to another person and resulting from the equipment described above.
2. Section B
Coverage under Section B as applicable to the specified vehicle is extended to:
direct and accidental damage caused to the equipment described above;
the disappearance of such equipment.
For Section B, the indemnity will be payable up to the ''actual cash value'' of the equipment, subject to a maximum of $ Payment will be made jointly to the named insured and , to the extent of their respective interests.
All other conditions of the insurance contract remain the same.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 32
Recreational-purpose vehicles
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
Endorsement description
This endorsement amends the insurance contract for a recreational-purpose motor vehicle that:
is specifically designated in Item 3, ''Declarations'' of the insurance contract; or
is one of the ''insured vehicles'' under the insurance contract.
Recreational-purpose motor vehicle
''Recreational-purpose motor vehicle'' means, among other things, any motor vehicle, whether commercially built or otherwise, of a type similar to:
all-terrain vehicles;
dune buggies;
micro-cars;
minibikes; and
snowmobiles.
Description of amendments
1. Section A: Paragraph E, Article 2 entitled ''Insured vehicles'' is replaced with the following paragraph: ''E. Unless described in the ''Declarations'' section, any trailer (whether or not the named insured is the owner thereof) used with a recreational-purpose motor vehicle that is:
of the same type as that described in the ''Declarations'' section; and
covered by the insurance contract.
2. General conditions: Paragraph (a), Article 7 entitled ''Prohibited use of insured vehicle'' is replaced with the following paragraph:
''(a) When they are not legally authorized to drive;''
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
3. The expressions ''motor vehicle'' and ''motor vehicle used for personal purposes'' are replaced throughout the insurance contract with the following expression: ''recreational-purpose motor vehicle of the same type as that described in the ‘Declarations' section.''
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 41
Change to deductibles
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement makes the following changes to the deductible amounts under Section B, as entered in Item 4, ''Declarations'' of the insurance contract:
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 43 (A to F)
Change to indemnity
(Section B)
The endorsement heading and the applicable options must be entered in the ''Declarations'' section of the insurance contract. Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsement itself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Additional insurance premium payable:
Amounts payable:
Due date:
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement extends coverage under Section B of the insurance contract by changing, depending on the applicable options, Article 2, ''Reporting a loss and submitting a claim.'' Changes made by these options relate to how the value of damage is calculated.
APPLICATION OF ENDORSEMENT
For the options to apply to the specified vehicle, they must be entered in the ''Declarations'' section of the insurance contract.
Except for Option 43C, the named insured may elect settlement in accordance with Article 2, ''Reporting a loss and submitting a claim'', without the selected option being applied. In such instance, the named insured must submit a request to the insurer.
The deductible entered in the ''Declarations'' section for the specified vehicle will be assumed by the named insured.
VALUE OF DAMAGE IN EVENT OF PARTIAL LOSS
Options 43A and 43B relate to calculation of the value of damage payable by the insurer in the event of repair or replacement of damaged parts.
These options change Article 2.1, ''Reporting a loss and submitting a claim.'' However, the rules set out in the first paragraph of Article 2.1.1 of that section continue to apply.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Option 43A – Partial loss – New parts
In the event of partial loss, when the damaged parts can be repaired, the value of damage will be calculated in accordance with Article 2.1, ''Reporting a loss and submitting a claim.'' However, there will be no deduction for depreciation.
If the insurer determines that damaged parts cannot be repaired and must be replaced, there will be no deduction for depreciation. In addition:
the value of damage will be calculated on the basis of the cost of new original equipment manufacturer parts;
if glass is damaged, the named insured may ask for it to be replaced by a new original equipment manufacturer part or by a new similar part.
If a new part is out of stock or no longer being manufactured, the liability of the insurer will be limited to the latest list price of the new original equipment manufacturer part.
If the damaged parts are not repaired or replaced by new parts, Option 43A will not apply.
Option 43B – Partial loss – Waiver of depreciation
In the event of partial loss, the value of damage will be calculated in accordance with Article 2.1, ''Reporting a loss and submitting a claim.'' However, if the insurer determines that depreciation is to be applied to the value of damage, this option will cover such depreciation up to a maximum of $ per loss.
However, if the damaged parts are not repaired or replaced, Option 43B will not apply.
VALUE OF DAMAGE IN EVENT OF TOTAL LOSS OR TOTAL CONSTRUCTIVE LOSS
Options 43C, 43D, 43E and 43F relate to calculation of the value of damage payable by the insurer in the event of total loss or total constructive loss. They amend Article 2.2, ''Reporting a loss and submitting a claim.''
Option 43C – Total loss – Value of vehicle agreed in advance
In the event of total loss or total constructive loss, the named insured and the insurer agree that the value of the specified vehicle, on the date of the loss, will be: $ (''agreed value'').
Option43D – Total loss – Waiver of depreciation
In the event of total loss or total constructive loss, the value of damage will be equal to the least of the following amounts:
the price paid for the specified vehicle by the named insured who is the actual owner;
the current price of the specified vehicle on the original date of purchase; or
the price for which the insurer may, on the date of the loss, purchase a new vehicle with specifications or equipment and accessories similar to those of the specified vehicle.
Option 43E – Total loss – Replacement cost
In the event of total loss or total constructive loss, the named insured may choose one of the following three indemnity options:
1. Replacement by a new vehicle
If the specified vehicle is replaced by a new vehicle with the same specifications or equipment and accessories, the value of damage will be equal to the price of this vehicle.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
If no such vehicle is available and the specified vehicle is replaced by a new vehicle with similar specifications or equipment and accessories, the value of damage will be equal to the price of this vehicle.
2. Replacement by a used vehicle, or by a new vehicle other than as in paragraph 1
If the specified vehicle is replaced by a used vehicle, or by a new vehicle other than as in paragraph 1, the value of damage will be equal to:
the price paid for the specified vehicle by the named insured who is the actual owner; or
the price of the used or new vehicle that replaces the specified vehicle; whichever is higher.
However, the value of damage may not be greater than the price that the insurer would have paid had paragraph 1 applied.
3. Non-replacement of specified vehicle
If the specified vehicle is not replaced, the value of damage will be equal to:
the price paid for the specified vehicle by the named insured who is the actual owner; or
the current price of the specified vehicle on the original date of purchase, whichever is lower.
However, the value of damage may not be greater than the price that the insurer would have paid had paragraph 1 applied.
Option 43F – Total loss – Increased settlement
In the event of total loss or total constructive loss, the value of damage will be equal to:
A – the price paid for the specified vehicle by the named insured who is the actual owner, increased by % compounded annually and calculated proportionally to the number of days elapsed between (date) and the date of the loss;
or
B – the amount of $ increased by compounded annually and calculated proportionally to the number of days elapsed between (date) and the date of the loss;
or
C – the ''actual cash value'' of the specified vehicle increased by % compounded annually and calculated proportionally to the number of days elapsed between (date) and the date of the loss;
or
D – the ''actual cash value'' of the specified vehicle increased by $.
In all instances, the value of damage may not be greater than the price for which the insurer may, on the date of the loss, purchase a new vehicle with specifications, equipment and accessories similar to those of the specified vehicle.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
SPECIFIC RULE FOR VEHICLE LEASED OR UNDER A CONTRACT OF LEASING
If the specified vehicle is leased or under a contact of leasing, and if Option 43D, 43E or 43F applies and the owner and lessee are designated in the insurance contract, only the lessee will be entitled to the difference between:
the value of the specified vehicle, as calculated in accordance with the applicable option; and
the ''actual cash value'' of the specified vehicle, as calculated in accordance with Article 2.2, ''Reporting a loss and submitting a claim.''
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 2
Vehicles of which named insured is not owner and when driven by named drivers
(Section A)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Additional insurance premium payable:
Amount payable:
Due date:
Endorsement description
This endorsement extends coverage under Section A of the insurance contract by adding the following paragraph to Article 2 entitled ''Insured vehicles'':
''a vehicle of the type when driven, at the time of the loss, by one of the following persons:
NAME | AGE | RELATIONSHIP TO NAMED INSURED
1. | |
2. | |
3. | |
4. | |
For the vehicle to be considered an ''insured vehicle'' under Section A, the following conditions must be met:
1. At the time of the loss, the vehicle is not being driven in connection with a garage business.
2. The owner or frequent user of the vehicle is not one of the following persons:
the named insured or anyone whose domicile is the same as that of the named insured;
a person mentioned in the table above or anyone whose domicile is the same as that of such person.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
3. The vehicle is not provided by an employer of:n the named insured or anyone whose domicile is the same as that of the named insured;
a person mentioned in the table above or anyone whose domicile is the same as that of such person.
4. The vehicle is not appropriated to a use:
as a taxicab, bus or coach; or
for commercial delivery.''
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 3
''Civil liability'' coverage for vehicle owned by any Canadian government
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Additional insurance premium payable:
Amount payable:
Due date:
Endorsement description
This endorsement extends ''civil liability'' coverage under the insurance contract to a vehicle owned by any Canadian government in the care, custody or control of the insured person. This endorsement covers the financial consequences that the insured person may suffer if held civilly liable for:
1. Section A:
damage caused to another person by the vehicle or its equipment or accessories.
2. Section B:
any direct and accidental damage caused to the vehicle or its equipment or accessories; or
the disappearance of the vehicle or its equipment or accessories.
Civil liability may be contractual or extracontractual.
Insured person
In this ndorsement, ''insured person'' refers to:
the named insured;
his or her spouse;
any person who drives or uses the vehicle.
Application
This endorsement will not apply if several vehicles owned by any Canadian government are at any one time in the care of the insured person. It also does not apply if several vehicles are at any one time in the custody or control of the insured person.
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Covered perils, amount of insurance, deductible and insurance premium
The perils covered by this endorsement are those for which an amount of insurance, a deductible or an insurance premium is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' section of the insurance contract.
COVERAGE | PERILS | AMOUNT OF INSURANCE AND DEDUCTIBLE | INSURANCE PREMIUM
Section A: Civil liability | Property damage or bodily injury to another person | Amount of insurance: $ | $
Section B: Damage to insured vehicles | Protection 1: ''All perils'', Protection 2: Perils of collision and upset, Protection 3: All perils other than collision or upset, Protection 4: Specific perils | Deductible per loss: $ $ $ $ | $ $ $ $
| | Total: | $
For Section B, coverage under this endorsement will apply up to a maximum amount of $ per loss, plus expenses, costs and interest arising from a lawsuit.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 27
Civil liability resulting from damage caused to vehicles of which named insured is not owner
(including vehicles provided by an employer)
(Section A)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Termination date: This endorsement will apply until at 12:01 A.M. standard time at the address of the named insured or, if no date is specified, until the expiry date of the insurance contract.
Additional insurance premium payable:
Amount payable:
Due date:
Endorsement description
This endorsement extends coverage under Section A of the insurance contract to the financial consequences that an insured person may incur when civilly liable for:
damage caused to a vehicle of the type or its equipment and accessories; and
disappearance of the vehicle or its equipment and accessories.
Civil liability may be contractual or extracontractual.
Insured persons
In this endorsement, ''insured person'' refers to:
the named insured;
his or her spouse;
any person designated in a Q.E.F. N 2 entitled ''Vehicles of which named insured is not owner and when driven by named drivers'', attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
However, if the named insured is a legal person, partnership or association, ''insured person'' refers to:
any employee, shareholder, partner or member authorized by the named insured;
their spouse;
any person designated in a Q.E.F. N 2, attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
or solely:
the following persons: ;
their spouse;
any person designated in a Q.E.F. N 2, attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
Application
1. The insured person must have the care, custody or control of the vehicle or its equipment and accessories.
2. The insured person or anyone whose domicile is the same as that of the named insured must not be the owner of the vehicle or its lessee for at least one year or under a contract of leasing.
Covered perils and insurance premium
Coverage is provided only for those perils for which a deductible or an insurance premium is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' section of the insurance contract:
SECTION A: Coverage for civil liability arising from property damage and bodily injury caused to another person
PERILS | DEDUCTIBLE | INSURANCE PREMIUM
Protection 1: ''All perils'', Protection 2: Perils of collision and upset, Protection 3: All perils other than collision or upset, Protection 4: Specific perils | Deductible per loss:: $ $ $ $ | $ $ $ $
| Total : | $<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Clarifications
1. Protections 1, 2, 3 and 4 have the same meanings as in Section B of the insurance contract. The exclusions specified in that section will apply, as the case may be.
2. An amount of insurance of $ will apply per loss, plus expenses, costs and interest arising from a lawsuit.
3. Where applicable, the additional coverage provided under Section A of the insurance contract may apply.
4. The insurer agrees not to exercise any recourse against a person who, with the insured person's consent, has the care, custody or control of the vehicle or its equipment and accessories, unless that person:
was engaged in a garage business at the time of the loss; or
failed to comply with the insurance contract.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 27a
Civil liability resulting from damage caused to vehicles of which named insured is not owner
(excluding vehicles provided by an employer)
(Section A)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Termination date: This endorsement will apply until at 12:01 A.M. standard time at the address of the named insured or, if no date is specified, until the expiry date of the insurance contract.
Additional insurance premium payable:
Amount payable:
Due date:
Endorsement description
This endorsement extends coverage under Section A of the insurance contract to the financial consequences that an insured person may incur when civilly liable for:
damage caused to a vehicle of the type or its equipment and accessories; and
disappearance of the vehicle or its equipment and accessories.
Civil liability may be contractual or extracontractual.
Insured persons
In this endorsement, ''insured person'' refers to:
the named insured;
his or her spouse;
any person designated in a Q.E.F. N 2 entitled ''Vehicles of which named insured is not owner and when driven by named drivers'', attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
However, if the named insured is a legal person, partnership or association, ''insured person'' refers to:
any employee, shareholder, partner or member authorized by the named insured;
their spouse;
any person designated in a Q.E.F. N 2, attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
or solely:
the following persons: ;
their spouse;
any person designated in a Q.E.F. N 2, attached to the insurance contract;
the legal representatives and the succession of all the above listed insured persons.
Application
1. The insured person must have the care, custody or control of the vehicle or its equipment and accessories.
2. The insured person or anyone whose domicile is the same as that of the named insured must not be the owner of the vehicle or its lessee for at least one year or under a contract of leasing.
3. The employer of an insured person or the employer of anyone whose domicile is the same as that of the named insured must not be the owner of the vehicle or its lessee for at least one year or under a contract of leasing.
Covered perils and insurance premium
Coverage is provided only for those perils for which a deductible or an insurance premium is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' section of the insurance contract:
SECTION A: Coverage for civil liability arising from property damage and bodily injury caused to another person
PERILS | DEDUCTIBLE | INSURANCE PREMIUM
Protection 1: ''All perils'', Protection 2: Perils of collision and upset, Protection 3: All perils other than collision or upset, Protection 4: Specific perils | Deductible per loss:: $ $ $ $ | $ $ $ $
| Total : | $<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Clarifications
1. Protections 1, 2, 3 and 4 have the same meanings as in Section B of the insurance contract. The exclusions specified in that section will apply, as the case may be.
2. An amount of insurance of $ will apply per loss, plus expenses, costs and interest arising from a lawsuit.
3. Where applicable, the additional coverage provided under Section A of the insurance contract may apply.
4. The insurer agrees not to exercise any recourse against a person who, with the insured person's consent, has the care, custody or control of the vehicle or its equipment and accessories, unless that person:
was engaged in a garage business at the time of the loss; or
failed to comply with the insurance contract.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 33
Insurance for roadside assistance costs
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Additional insurance premium payable:
Amount payable:
Due date:
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement provides that the roadside assistance costs described below and incurred for the specified vehicle will be reimbursed by the insurer.
Roadside assistance costs
The costs of the following roadside assistance services will be covered:
battery boosting;
door unlocking;
gas delivery, up to 10 liters;
towing within a radius of kilometres (minimum 25 km);
wheel change.
Mechanical repairs and parts or supplies used to repair the specified vehicle are not covered under this endorsement.
Limits of liability
$ per event giving rise to roadside assistance charges.
$ per policy year.
events per policy year.
Claim
The named insured must justify a claim by submitting to the insurer paid invoices for the roadside assistance costs.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 34
Accident benefits insurance
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
TABLE OF CONTENTS
APPLICATION 2
INSURED PERSONS 2
APPLICABLE DIVISION, MAXIMUM AMOUNTS AND INSURANCE PREMIUM 2
DESCRIPTION OF DIVISIONS 3
EXCLUSIONS 5
WHAT TO DO IN THE EVENT OF AN ACCIDENT 6
AUTOPSY AND MEDICAL EXAMINATION 6
TIME TO PAY BENEFITS 6
RIGHTS OF INSURER IN RELATION TO PAYMENT OF BENEFITS OR EXPENSES 7
DEFINITIONS 7
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ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
ENDORSEMENT DESCRIPTION
Depending on the applicable division, this endorsement provides for the payment of benefits when an accident causes bodily injury to an insured person.
To determine which division applies, refer to the ''Applicable section, maximum amounts and insurance premium'' division of this endorsement.
APPLICATION
1. The motor vehicle must have been the direct cause of bodily injury, independently of any other cause.
2. Benefits are payable per accident and per insured person. If there are several insured vehicles under the insurance contract, benefits may not be combined
3. Only persons who comply with the conditions of the insurance contract and this endorsement may benefit from the coverage under this endorsement.
INSURED PERSONS
Under Division 1, ''insured person'' refers to the named insured, his or her spouse and any dependent children of either.
Under Division 2, only the named insured is an ''insured person.''
APPLICABLE DIVISION, MAXIMUM AMOUNTS AND INSURANCE PREMIUM
Coverage will apply only for the divisions and subdivisions where a maximum amount or an insurance premium is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' division of the insurance contract:
DIVISION | SUBDIVISION | MAXIMUM | INSURANCE PREMIUM
1 | A – Death benefits, B – Dismemberment benefits, C – Reimbursement of medical expenses | Principal sum $, Principal sum $, Maximum $ | $, $, $2 Total disability benefits | Maximum $, per week | $|
| | Total:| $
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
DESCRIPTION OF DIVISIONS
Division 1
Death and dismemberment benefits and reimbursement of medical expenses
Subdivision A - Death benefits
When an insured person dies within 12 months after the accident leading to his or her death, the following benefits will be paid under Subdivision A:
If the named insured dies: 100% of the principal sum, plus 10% of the principal sum per dependent child upon the death of the named insured.
If the spouse of the named insured dies: % of the principal sum, plus 10% of the principal sum per dependent child upon the death of the spouse.
If a dependent child dies: % of the principal sum.
Benefit payments will be made as follows:
If the insured person dies leaving a spouse, the benefit will be payable to the spouse.
If the insured person dies without leaving a spouse, the benefit will be payable to the dependents, in equal shares.
If the insured person dies without leaving either a spouse or dependents, the benefit will be payable to the insured person's succession.
If a dependent child dies, the benefit will be payable to the named insured.
If, as a result of the same accident, an insured person should suffer dismemberment and then die, the benefits that have already been paid under Subdivision B will be deducted from the benefit payable under Subdivision A.
Subdivision B – Dismemberment benefits
When an insured person loses his or her sight or a limb within 12 months after the accident that caused the loss, the following benefits will be paid under Subdivision B:
Loss of both hands: 100% of the principal sum;
Loss of both feet: 100% of the principal sum;
Loss of sight in both eyes: 100% of the principal sum;
Loss of one hand and one foot: 100% of the principal sum;
Loss of one hand and sight in one eye: 100% of the principal sum;
Loss of one foot and sight of one eye: 100% of the principal sum;
Loss of one arm: 75% of the principal sum;
Loss of one leg: 75% of the principal sum;
Loss of one hand: 50% of the principal sum;
Loss of one foot: 50% of the principal sum;
Loss of sight in one eye: 50% of the principal sum.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Loss as used with reference to eye means total and irrecoverable loss of sight.
Loss as used with reference to a limb means:
For an arm: complete severance above the elbow.
For a foot: complete severance through the knee, above the ankle or through the ankle.
For a hand: complete severance through the elbow, above the wrist or through the wrist.
For a leg: complete severance above the knee.
Benefits provided under this subdivision for the same accident may not exceed 100% of the principal sum.
Subdivision C –- Reimbursement of medical expenses
Expenses reasonably incurred for the following services, care or treatments will be reimbursed under Division C:
ambulance services;
dental treatment;
hospital care;
medical care;
professional nursing care;
surgical treatment.
The expenses must have been incurred within two years after the accident that caused them.
The total amount of expenses reimbursed for the same accident may not exceed the maximum for this subsection.
Exclusion
Subdivision C excludes the portion of medical expenses covered by any other government or private insurance, unless the other insurance is similar to this coverage.
Division 2
Total disability benefits
Division 2 provides for the payment of an income replacement benefit when the named insured becomes wholly and continuously disabled as a result of an accident. The income replacement indemnity will be calculated on a weekly basis and will be payable only in addition to the following amounts:
amounts payable by the Société de l'assurance automobile du Québec under the Quebec Automobile Insurance Act; and
amounts payable under the Act respecting industrial accidents and occupational disease and the Crime Victims Compensation Act.
Conditions
1. The named insured must be employed on the date of the accident. The named insured is deemed to be employed in either of the following situations:
- he or she was actively engaged in an occupation or employment for wages or profit;
- he or she was between 21 and 65 years of age and, in the 12 months preceding the accident, he or she was engaged in an occupation or employment for wages or profit for at least six months, whether continuously or not.
2. The disability must appear within 20 days after the accident that caused it.
3. The disability completely prevents the named insured from actively engaging in his or her occupation or employment.<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Limitations
For each accident:
The named insured will not be entitled to benefits for the first seven days of disability.
Once the seven days have elapsed, the named insured will be entitled to benefits for a maximum of weeks.
If the disability continues after the maximum number of weeks, benefits will continue to be payable for a further period of up to weeks, if:
continuation of the disability is duly certified; and
the disability prevents the named insured from engaging in any occupation or employment for wages or profit on a permanent basis.
The named insured may not receive benefits greater than the money value of any occupation or employment that he engaged in for wages or profit before the accident.
If the named insured is covered under several insurance policies, benefits will be calculated as follows:
Money value of all occupations and employment / Total benefits payable for the disability under all insurance policies X (times) Benefit payable under Division 2 of this endorsement
EXCLUSIONS
The following exclusions will apply:
A. Bodily injury caused directly or indirectly by sickness or disease, unless the sickness or disease was contracted as a direct result of an accident covered by this endorsement.
B. Bodily injury suffered by an insured person who committed or attempted to commit suicide, whether sane or insane, if this endorsement was not continuously in force for at least two years.
C. Whether or not war is declared, bodily injury caused directly or indirectly by:
bombardment;
civil war;
insurrection;
invasion;
military power;
operation of armed forces during hostilities;
rebellion;
revolution; and
usurped power.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
WHAT TO DO IN THE EVENT OF AN ACCIDENT
Subdivision A - Death benefits
In the event of an accident causing death, a claim must be submitted in writing to the insurer, accompanied by proof establishing, for example:
death of the insured person;
cause of death;
rights of beneficiaries.
Subdivisions B and C, and Division 2 - Dismemberment benefits, reimbursement of medical expenses and total disability benefits
In the event of an accident covered under Subdivision B or C, or Section 2, the insured person or any other beneficiary must fulfil the obligations outlined below. They may do so either personally or through an intermediary.
Obligations to fulfil:
Within 30 days of learning of the accident, the person must inform the insurer in writing.
Within 90 days of learning of the accident, the person must support the claim by providing the insurer with all the information that the insurer may reasonably expect as to the circumstances and extent of the accident.
In the event of failure to satisfy the 30 or 90-day requirement, the person must demonstrate that he or she was unable to act within those time periods. Benefit payment may be made nonetheless if the person fulfils his or her obligations within one year after the accident.
At the insurer's request, the person must provide a medical certificate confirming the following information:
- the cause and nature of the bodily injury for which the claim is being made;
- the length of total disability arising from such bodily injury.
AUTOPSY AND MEDICAL EXAMINATION
Subdivision A - Death benefits
If an insured person dies, the insurer may have an autopsy performed, subject to the requirements set out in the Civil Code of Quebec.
Subdivisions B and C, and Division 2 - Dismemberment benefits, reimbursement of medical expenses and total disability benefits
The insurer is entitled to require that the insured person undergo a medical examination within a reasonable time period, if warranted by the nature of the disability or the loss.
The insurer may have the insured person undergo a medical examination as often as may be reasonably required while the claim is pending.
The insured person will be required to submit to such examination.
TIME TO PAY BENEFITS
Subdivision A - Death benefits
The insurer must pay the benefits within 30 days after receipt of the required information and documents.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Subdivisions B and C - Dismemberment benefits and reimbursement of medical expenses
The insurer must pay benefits or reimburse medical expenses within 60 days after receipt of the required information and documents.
Division 2 - Total disability benefits
The insurer must pay the initial benefit within 30 days after receipt of the required information and documents. During the continuation of disability, subsequent payments will be made at 30-day intervals, subject to submission of the proof set out in the ''What to do in the event of an accident'' section of this endorsement.
RIGHTS OF INSURER IN RELATION TO PAYMENT OF BENEFITS OR EXPENSES
The insurer may decide to pay all or part of the benefits or expenses directly to either the beneficiary or the natural or legal persons providing the medical services, care or treatments. If any amount remains payable, the total amount of benefits or expenses already paid will then be deducted from the maximum under the appropriate subsection.
Before paying benefits:
the insurer may require a release from the person to whom it paid a benefit or reimbursed expenses.
the insurer may require that it be subrogated to the beneficiary's recourses against the person responsible for the bodily injury, up to the amount of the benefit it has paid. This means that the beneficiary's recourses are transferred to the insurer.
In addition, the payment of a benefit or the reimbursement of medical expenses will not constitute an admission of liability as regards the accident. Such payment may therefore not be set up against the insured person or the insurer in respect of civil liability.
DEFINITIONS
For the purposes of this endorsement, the following definitions will be in addition to or will replace the definitions contained in the insurance contract.
Bodily injury: Any injury of a physical nature, including death.
Dependent child:
Any child under 18 years of age for whom the named insured or the named insured's spouse has legal and actual custody;
Any child 18 years of age or older whose domicile is the same as that of the named insured and who is entirely dependent on the named insured and/or the named insured's spouse due to a mental or physical disability.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Dependents: This expression refers to the following persons:
any dependent child; and
the father or mother of the deceased insured person, if the following conditions are met:
- the father or mother had the same domicile as the insured person on the date of the accident; and
- the father or mother was principally dependent on the insured person for financial support up to the date of the accident.
Named insured:
The expression ''named insured'' will refer to any person named in Item 1, ''Declarations'' of the insurance contract;
If the person named in Item 1 is a legal person, partnership or association, the expression will refer to each of its employees, shareholders, members or partners who usually use a described vehicle for which an insurance premium or a maximum amount is entered specifically for this endorsement (see Item 4, ''Declarations'' of the insurance contract).
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 34 (A-B)
Accident benefits insurance
(change to amount of insurance or insured persons)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement changes Q.E.F. N 34 entitled ''Accident benefits'' of the insurance contract, based on the applicable option.
To determine which option applies, see Item 4, ''Declarations'' of the insurance contract.
Option 34A – Changes when the named insured is an individual
This option provides that, for the persons named in the table below:
the maximum amounts shown in the table will change those shown in Q.E.F. N 34 by replacing or, where applicable, adding to them;
coverage will apply only for the divisions and subdivisions where an amount, an insurance premium or a rebate is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' section of the insurance contract:
MAXIMUM AMOUNTS
DIVISION 1 | DIVISION 2
Name of insured person | Date of birth | Subdivision A Death benefits (principal sum) | Subdivision B Dismemberment benefits (principal sum) | Subdivision C Reimbursement of medical expenses (maximum) | DIVISION 2 Total disability benefits (maximum, per week) | Insurance premium or rebate
1. | | $ | $ | $ | $ | $
2. | | $ | $ | $ | $ | $
3. | | $ | $ | $ | $ | $
4. | | $ | $ | $ | $ | $
| | | | | Total: | $
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Option 34B – Changes when the named insured is a legal person, partnership or association
When the named insured is a legal person, partnership or association, Q.E.F. N 34 will be changed as follows:
only the employees, shareholders, members or partners named in the table below will be considered ''named insureds'';
coverage will apply only for the divisions and subdivisions where an amount, an insurance premium or a rebate is shown in the table below, or entered specifically for this endorsement in the ''Declarations'' section of the insurance contract:
MAXIMUM AMOUNTS
DIVISION 1 | DIVISION 2
Name of insured person | Date of birth | Subdivision A Death benefits (principal sum) | Subdivision B Dismemberment benefits (principal sum) | Subdivision C Reimbursement of medical expenses (maximum) | DIVISION 2 Total disability benefits (maximum, per week) | Insurance premium or rebate
1. | | $ | $ | $ | $ | $
2. | | $ | $ | $ | $ | $
3. | | $ | $ | $ | $ | $
4. | | $ | $ | $ | $ | $
| | | | | Total: | $
All other conditions of the insurance contract remain the same.
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 8
Deductible for property damage
(Section A)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement changes Section A of the insurance contract by adding a deductible for property damage caused by the specified vehicle:
A maximum deductible amount of $ per loss.
A maximum deductible amount of $ per loss, when the vehicle is used to .
Agreement by named insured
When the insurer pays an indemnity for property damage, the named insured agrees to reimburse the insurer for up to the deductible amount.
Reimbursement must be made by the named insured as soon as the insurer pays the indemnity.
Rights of insurer
In respect of the deductible, the insurer will be entitled to:
act as it wishes with regard to any investigation, transaction or settlement;
authorize the named insured to enter into a transaction or a settlement with another person that has suffered property damage and indemnify that person. However, the total amount agreed upon further to the transaction or settlement must not exceed the deductible amount.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 19
Limitation of indemnity
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement limits the indemnity payable under Section B of the insurance contract to the lesser of the following amounts:
the ''actual cash value'' of the specified vehicle; or
$.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 28
Limitation of coverage for named drivers
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement limits coverage under the insurance contract when the specified vehicle is, at the time of the loss, being driven or used by: (named driver)
In such instance, coverage will be limited to the following perils, or to those perils entered specifically for this endorsement in the ''Declarations'' section of the insurance contract:
COVERAGE | PERILS | AMOUNT OF INSURANCE AND DEDUCTIBLE | COVERED/NOT COVERED
Section A: Civil liability | Property damage or bodily injury to another person | Amount of insurance: $ | $
Section B: Damage to insured vehicles | Protection 1 : ''All perils'', Protection 2 : Perils of collision and upset, Protection 3: All perils other than collision or upset, Protection 4: Specific perils | Deductible per loss: $ $ $ $ |
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 37 (A-B)
Changes to coverage for electronic equipment
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
Depending on the applicable option, this endorsement changes the coverage under Section B of the insurance contract for ''electronic equipment'' that is not ''original electronic equipment.''
Option A: Limitation of indemnity
In the event of a covered loss, the indemnity under Section B will be limited to $ for all damaged ''electronic equipment'' that is not ''original electronic equipment.''
In addition, the indemnity may not be greater than the ''actual cash value'' of the damaged ''electronic equipment''.
This limitation will apply even when a Q.E.F. No. 43 (A to F) entitled ''Change to loss payment'' is attached to the insurance contract.
Option B: Exclusion from coverage
All ''electronic equipment'' that is not ''original electronic equipment'' will be excluded from coverage under Section B.
Definitions
1. Electronic equipment
The expression ''electronic equipment'' as used in this endorsement means electronic devices:
that are installed or meant to be installed permanently in or on the specified vehicle; and
that are used for communicating, reproducing or recording sound or images or both simultaneously, including:
- compact disc and DVD players;
- personal navigation devices (GPS);
- radios, including citizens band, two-way amateur or other radios; and
- sound systems.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
2. Original electronic equipment
The expression ''original electronic equipment'' as used in this endorsement means the electronic equipment:
that is installed by the manufacturer or the dealer; and
that was included in the original purchase price of the specified vehicle.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 40
Fire deductible
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement changes Article 7, Section B of the insurance contract as follows: The deductible for Protection 1, 3 or 4 will apply in the event of a fire.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 9
Marine risk exclusion for amphibious vehicles
Modifications
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
An amphibious vehicle is a vehicle designed or modified to:
travel on land, and
be used in or upon water
If the specified vehicle is an amphibious vehicle, this endorsement excludes coverage under the insurance contract for loss occurring while it is used in or upon water or while it is being launched into or landed therefrom.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 13c
Limitation under Protection 3 for vehicle glass
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
This endorsement limits coverage under Protection 3, Section B of the insurance contract by excludingdamage caused to the glass of the specified vehicle, except in the case of:
attempted theft;
civil commotion;
earthquakes;
explosions;
falling or forced landing of aircraft or parts of aircraft;
fire;
hail;
lightning;
riot;
rising water;
stranding, sinking, burning, derailment or collision of any vehicle or vessel in or upon which the specified vehicle is being transported;
theft; and
windstorms.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 30
Limitation of coverage for equipment and machinery attached to vehicle
(Section A)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
Subject to the Automobile Insurance Act, this endorsement limits coverage under Section A of the insurance contract by adding the following exclusion:
Coverage will not be provided for the financial consequences that an insured person may incur if held civilly liable for damage caused by the following equipment or machinery, or accessories thereof, when mounted on or attached to the specified vehicle:
(description of equipment or machinery)
For the above exclusion to apply:
damage must be caused while the equipment or machinery, or accessories thereof, are at the site of their use; and
the insured person's civil liability must result from his or her owning the equipment or machinery, or accessories thereof, or from their use or their operation.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
Quebec Endorsement Form
Q.E.F. N 37 (A-B)
Changes to coverage for electronic equipment
(Section B)
The endorsement heading must be entered in the ''Declarations'' section of the insurance contract.Details required for the endorsement may be entered in the ''Declarations'' section or in the endorsementitself, at the insurer's option.
Name of insurer:
Named insured:
Endorsement to automobile insurance policy N:
Effective date: This endorsement will apply from at 12:01 A.M. standard time at the address of the named insured.
Specified vehicle: This endorsement will apply only to the following described vehicle:
(reference number shown in the ''Declarations'' section of the insurance contract)
Endorsement description
Depending on the applicable option, this endorsement changes the coverage under Section B of the insurance contract for ''electronic equipment'' that is not ''original electronic equipment.''
Option A: Limitation of indemnity
In the event of a covered loss, the indemnity under Section B will be limited to $ for all damaged ''electronic equipment'' that is not ''original electronic equipment.''
In addition, the indemnity may not be greater than the ''actual cash value'' of the damaged ''electronic equipment''.
This limitation will apply even when a Q.E.F. No. 43 (A to F) entitled ''Change to loss payment'' is attached to the insurance contract.
Option B: Exclusion from coverage
All ''electronic equipment'' that is not ''original electronic equipment'' will be excluded from coverage under Section B.
Definitions
1. Electronic equipment
The expression ''electronic equipment'' as used in this endorsement means electronic devices:
that are installed or meant to be installed permanently in or on the specified vehicle; and
that are used for communicating, reproducing or recording sound or images or both simultaneously, including:
- compact disc and DVD players;
- personal navigation devices (GPS);
- radios, including citizens band, two-way amateur or other radios; and
- sound systems.
<###NEW_PAGE###>
ENDORSEMENT(S)
FORMING A PART OF YOUR AUTOMOBILE INSURANCE POLICY
2. Original electronic equipment
The expression ''original electronic equipment'' as used in this endorsement means the electronic equipment:
that is installed by the manufacturer or the dealer; and
that was included in the original purchase price of the specified vehicle.
All other conditions of the insurance contract remain the same.
<###NEW_PAGE###> |
"May 1, 2022\n\n\nISSUE\nClient N: 476236\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SIDE FOR(...TRUNCATED) |
"October 6, 2022\n\n\nISSUE\nClient N: 518406\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SIDE(...TRUNCATED) |
"June 24, 2022\n\n\nISSUE\nClient N: 472231\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SIDE F(...TRUNCATED) |
"December 7, 2021\n\n\nISSUE\nClient N: 106344\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SID(...TRUNCATED) |
"January 26, 2022\n\n\nISSUE\nClient N: 221325\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SID(...TRUNCATED) |
"April 25, 2022\n\n\nISSUE\nClient N: 367030\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SIDE (...TRUNCATED) |
"October 19, 2022\n\n\nISSUE\nClient N: 498106\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SID(...TRUNCATED) |
"November 1, 2022\n\n\nISSUE\nClient N: 290885\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SID(...TRUNCATED) |
"March 30, 2022\n\n\nISSUE\nClient N: 040324\nPolicy / Term:\n001 / 12 month\n\nALWAYS BY YOUR SIDE (...TRUNCATED) |
End of preview. Expand
in Dataset Viewer.
Dataset Card for RISCBAC
RISCBAC was created using RISC, an open-source Python package data generator. RISC generates look-alike automobile insurance contracts based on the Quebec regulatory insurance form in French and English.
It contains 10,000 English and French insurance contracts generated using the same seed. Thus, contracts share the same deterministic synthetic data (RISCBAC can be used as an aligned dataset). RISC can be used to generate more data for RISCBAC.
Data Instances
Default ('fr')
The default data instance is the French version of the dataset. The dataset is comprised of 10,000 synthetic automobile insurance contracts.
Other Option
The other data instance option is "en". The dataset is comprised of 10,000 synthetic automobile insurance contracts.
Citation Information
@misc{beaucheminrisc,
title={{RISC: Generating Realistic Synthetic Bilingual Insurance
Contract}},
author={David Beauchemin and Richard Khoury},
year={2023},
eprint={2304.04212},
archivePrefix={arXiv}
}
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