Ontario Automobile Policy
Table of Contents
ABOUT THIS POLICY .....................................................................................................................................................................I
WHAT INSURANCE IS REQUIRED BY LAW ........................................................................................................................... V
SECTION 1 INTRODUCTION ........................................................................................................................................................ 1
This Policy is Part of a Contract ...................................................................................................................................................... 1
Where You Are Covered.................................................................................................................................................................. 1
Definitions ....................................................................................................................................................................................... 1
Your Responsibilities....................................................................................................................................................................... 3
Where to Make A Claim and Who May Make It............................................................................................................................. 4
Our Rights and Responsibilities....................................................................................................................................................... 5
Payment of Claims............................................................................................................................................................................................ 5
If You Have Been Incorrectly Classified and Your Premium is Wrong............................................................................................................ 5
Monthly Premium Payment Option .................................................................................................................................................................. 5
Cancelling Your Insurance............................................................................................................................................................... 6
When You Cancel ............................................................................................................................................................................................. 6
When We Cancel .............................................................................................................................................................................................. 6
How We Can Cancel for Non-payment of Premium......................................................................................................................................... 7
How We Can Cancel for Repeated Non-payment or Other Reasons ................................................................................................................ 7
Who and What We Won't Cover...................................................................................................................................................... 8
General Exclusion............................................................................................................................................................................................. 8
Excluded Drivers and Driving Without Permission .......................................................................................................................................... 8
Rented or Leased Automobile........................................................................................................................................................................... 8
Garage Workers Not Covered ........................................................................................................................................................................... 9
Losses Due to War Activities Not Covered....................................................................................................................................................... 9
SECTION 2 WHAT AUTOMOBILES ARE COVERED ............................................................................................................ 10
Described Automobile ................................................................................................................................................................... 10
Extending Your Insurance to Other Automobiles.......................................................................................................................... 10
Newly Acquired Automobiles......................................................................................................................................................................... 11
Temporary Substitute Automobile .................................................................................................................................................................. 11
Other Automobiles.......................................................................................................................................................................................... 12
Other Automobiles that are Rented or Leased................................................................................................................................................. 13
Trailers............................................................................................................................................................................................................ 14
When You Have Insured Two Or More Automobiles ................................................................................................................... 15
Under the Same Policy.................................................................................................................................................................................... 15
Under More Than One Policy ......................................................................................................................................................................... 15
Trailers and Towing....................................................................................................................................................................... 16
Trailers............................................................................................................................................................................................................ 16
Automobiles in Tow........................................................................................................................................................................................ 16
Inspection....................................................................................................................................................................................... 17
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