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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