Yukon Standard Automobile Policy (S.P.F. No. 1) - RBC Insurance

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h) where the insured permits, suffers, allows or connives atthe use of the automobile by any person contrary to theprovisions of (g); or(2) under subsections 3 (Comprehensive), 4 (Specified Perils) onlyfor loss or damage caused by theft by any person or personsresiding in the same dwelling premises as the insured, or byany employee of the insured engaged in the operation,maintenance or repair of the automobile whether the theftoccurs during the hours of such service or employment or not.See also General Provisions, Definitions, Exclusions andStatutory Conditions of this policyAdditional Agreements of Insurer(1) Where loss or damage arises from a peril for which a premiumis specified under a subsection of this section, the Insurerfurther agrees:a) to pay general average, salvage and fire department chargesand customs duties of Canada or of the United States ofAmerica for which the Insured is legally liable:b) to waive subrogation against every person who, with theinsured's consent, has care, custody or control of theautomobile, provided always that this waiver shall notapply to any person (1) having such care, custody orcontrol in the course of the business of selling, repairing,maintaining, servicing, storing or parking automobiles, or(2) who has (i) committed a breach of any condition of thispolicy or (ii) driven or operated the automobile in thecircumstances referred to in (i) or (ii) of paragraph (g) ofthe Exclusions to Section C of this policy;c) to indemnify the insured and any other person whopersonally drives a temporary substitute automobile asdefined in the General Provisions of this policy against theliability imposed by law or assumed by the insured or suchother person under any contract or agreement for direct andaccidental physical loss or damage to such automobile andarising from the care, custody and control thereof; providedalways that:(i) such indemnity is subject to the deductible clause andexclusions of each such subsection;(ii) if the owner of such automobile has or places insuranceagainst any peril insured by this section, the indemnityprovided herein shall be limited to the sum by whichthe deductible amount, if any, of such other insuranceexceeds the deductible amount stated in the applicablesubsection of this policy;(iii) the Additional Agreements under section A of thispolicy shall, insofar as they are applicable, extend tothe indemnity provided herein.(2) Loss of Use by Theft—Where indemnity is provided undersubsections 1, 3 or 4 of section C hereof the Insurer furtheragrees, following a theft of the entire automobile coveredthereby, to reimburse the insured for expense not exceeding$25.00 for any one day nor totalling more than $750.00incurred for the rental of a substitute automobile includingtaxicabs and public means of transportation.Reimbursement is limited to such expense incurred during theperiod commencing seventy-two hours after such theft has beenreported to the Insurer or the police and terminating, regardlessof the expiration of the policy period, (a) upon the date of thecompletion of repairs to or the replacement of the property lostor damaged, or (b) upon such earlier date as the Insurer makesor tenders settlement for the loss or damage caused bysuch theft.General Provisions, Definitions and Exclusions1. TerritoryThis policy applies only while the automobile is beingoperated, used, stored or parked within Canada, the UnitedStates of America or upon a vessel plying between ports ofthose countries.2. Occupant DefinedIn this policy the word "occupant" means a person driving,being carried in or upon or entering or getting on to or alightingfrom an automobile.3. Consent of InsuredNo person shall be entitled to indemnity or payment under thispolicy who is an occupant of any automobile which is beingused without the consent of the owner thereof.4. Garage Personnel ExcludedNo person who is engaged in the business of selling, repairing,maintaining, storing, servicing or parking automobiles shall beentitled to indemnity or payment under this policy for any loss,damage, injury or death sustained while engaged in the use oroperation of or while working upon the automobile in thecourse of that business or while so engaged is an occupant ofthe described automobile or a newly acquired automobile asdefined in this policy, unless the person is the owner of suchautomobile or his employee or partner.5. Automobile DefinedIn this policy except where stated to the contrary the words "theautomobile" mean:Under sections A (Third Party Liability), B (AccidentBenefits), C (Loss of or Damage to Insured Automobile)a) The Described Automobile — an automobile, trailer orsemi-trailer specifically described in the policy or withinthe description of insured automobiles set forth therein;b) A Newly Acquired Automobile — an automobile,ownership of which is acquired by the insured and, withinfourteen days following the date of its delivery to him,notified to the Insurer in respect of which the insured hasno other valid insurance, if either it replaces an automobiledescribed in the application or the Insurer insures (inrespect of the section or subsection of the InsuringAgreements under which claim is made) all automobilesowned by the insured at such delivery date and in respect ofwhich the insured pays any additional premium required;provided however, that insurance hereunder shall not applyif the insured is engaged in the business of sellingautomobiles;and under sections A (Third Party Liability), B (AccidentBenefits) onlyc) A Temporary Substitute Automobile — an automobile notowned by the insured, nor by any person or personsresiding in the same dwelling premises as the insured,while temporarily used as the substitute for the describedautomobile which is not in use by any person insured bythis policy, because of its breakdown, repair, servicing,loss, destruction or sale;d) Any automobile of the private passenger or station wagontype, other than the described automobile, while personallydriven by the insured, or by his or her spouse if residing inthe same dwelling premises as the insured, provided thatUnderwritten by RBC General Insurance Company® Registered trademark of Royal Bank of Canada. RBC Insurance is a registered trademark ofRoyal Bank of Canada. Used Under License.
(i) the described automobile is of the private passenger orstation wagon type;(ii) the insured is an individual or are husband and wife;(iii) neither the insured nor his or her spouse is driving suchautomobile in connection with the business of selling,repairing, maintaining, servicing, storing or parkingautomobiles;(iv) such other automobile is not owned or regularly orfrequently used by the insured or by any person orpersons residing in the same dwelling premises as theInsured;(v) such other automobile is not owned, hired or leased byan employer of the insured or by an employer of anyperson or persons residing in the same dwellingpremises as the insured;(vi) such other automobile is not used for carryingpassengers for compensation or hire or for commercialdelivery;e) if the insured is a corporation, unincorporated associationor registered co-partnership, any automobile of the privatepassenger or station wagon type, other than the describedautomobile, while personally driven by the employee orpartner for whose regular use the described automobile isfurnished, or by his or her spouse if residing in the samedwelling premises as such employee or partner,provided that(i) neither such employee or partner or his or her spouse isthe owner of an automobile of the private passenger orstation wagon type;(ii) the described automobile is of the private passenger orstation wagon type;(iii) neither such employee, partner or spouse is driving theautomobile in connection with the business of selling,repairing, maintaining, servicing, storing or parkingautomobiles;(iv) such other automobile is not owned, hired or leased orregularly or frequently used by the insured or suchemployee or by any partner of the insured or by anypersons residing in the same dwelling premises as anyof the afore-mentioned persons;(v) such other automobile is not used for carryingpassengers for compensation or hire or commercialdelivery;f) Trailers — any trailer used in connection with theautomobile.6. Two or More Automobilesa) When two or more automobiles are described hereunder (i)with respect to the use or operation of such describedautomobiles, each automobile shall be deemed to beinsured under a separate policy; (ii) respect to the use oroperation of an automobile not owned by the insured, thelimit of the insurer's liability shall not exceed the highestlimit applicable to any one described automobile;b) When the insured owns two or more automobiles which areinsured as described automobiles under two or moreautomobile insurance policies, the limit of the insurer underthis policy with respect to the use or operation on anautomobile not owned by the insured shall not exceed theproportion that the highest limit applicable to any oneautomobile described in this policy bears to the sum of thehighest limits applicable under each policy and in no eventshall exceed such proportion of the highest limit applicableto any one automobile under any policy,c) A motor vehicle and one or more trailers or semi-trailersattached thereto shall be held to be one automobile withrespect to the limit(s) of liability under InsuringAgreements A and B and separate automobiles with respectto the limit(s) of liability, including any deductibleprovisions, under Insuring Agreement C.7. War Risks ExcludedThe Insurer shall not be liable under section B or C of thispolicy for any loss, damage, injury or death caused directly orindirectly by bombardment, invasion, civil war, insurrection,rebellion, revolution, military or usurped power, or byoperation of armed forces while engaged in hostilities, whetherwar be declared or not.8. Excluded UsesUnless coverage is expressly given by an endorsement of thispolicy, the Insurer shall not be liable under this policy while.a) the automobile is rented or leased to another, provided thatthe use by an employee of his automobile on the businessof his employer and for which he is paid shall not bedeemed the renting or leasing of the automobile to another;b) the automobile is used to carry explosives, or to carryradioactive material for research, education, developmentor industrial purposes, or for the purposes incidentalthereto;c) the automobile is used as a taxicab, public omnibus, livery,jitney or sightseeing conveyance or for carrying passengersfor compensation or hire; provided that the following usesshall not be deemed to be the carrying of passengers forcompensation or hire:(i) the use by the insured of his automobile for the carriageof another person in return for the former's carriage inthe automobile of the latter;(ii) the occasional and infrequent use by the insured of hisautomobile for the carriage of another person whoshares the cost of the trip;(iii) the use by the insured of his automobile for the carriageof a temporary or permanent domestic servant of theinsured or his spouse;(iv) the use by the insured of his automobile for the carriageof clients or customers or prospective clients orcustomers;(v) the occasional and infrequent use by the insured of hisautomobile for the transportation of children to or fromschool or school activities conducted within theeducational program.Statutory ConditionsIn these statutory conditions, unless the context otherwise requires,the word ''insured" means a person insured by this contract whethernamed or not. With respect to Section B only Statutory Conditions1, 8 and 9 shall apply.Material Change in Risks1. (1) The insured named in this contract shall promptly notifythe Insurer or its local agent in writing of any change in therisk material to the contract and within his knowledge.(2) Without restricting the generality of the foregoing, thewords "change in the risk material to the contract" include:Underwritten by RBC General Insurance Company® Registered trademark of Royal Bank of Canada. RBC Insurance is a registered trademark ofRoyal Bank of Canada. Used Under License.
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Yukon Standard Automobile Policy (S.P.F. No. 1) - RBC Insurance

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