Notice to the insured

New policy

Insured

Any person under 18 years of age in their care.

Comments

The age for a person in the insured’s care to be covered has been lowered to 18. Any person under 18 years of age in the care of the named Insured is automatically an “insured”. This is in line with the age of majority in Quebec.

New policy

Insured

A student who is dependent on the Insured or his or her spouse, provided that the dwelling building described on the Declarations serves as the named Insured’s primary residence.

Comments

For a student over 18 to be insured, he or she must meet the definition of “student” and be a dependent of the named Insured or his or her spouse, and the policy must cover the named Insured’s primary residence.

New policy

Detached private structure

Means a permanent structure or building on the premises separated from the dwelling building by a clear space or only connected to the dwelling building by a fence, utility line or similar connection. Such structures or buildings must not be used for residence purposes, either in whole or in part.

Comments

Detached private structures must be installed on the premises.

We have clarified that detached private structures must not be used for dwelling purposes.

New policy

Installation sanitaire

Les canalisations d’alimentation en eau, de distribution et d’évacuation d’eau sur les lieux assurés, ainsi que les appareils et équipements reliés à ces canalisations.

Comments

Afin de délimiter clairement l’espace où se trouvent ces installations, « des lieux » est remplacé par « sur les lieux ».

New policy

Comments

New policy

Premises

Applicable to Section II – Civil Liability Coverages only:

Premises where you are residing temporarily or which you are using temporarily, provided that: – you do not own such premises; and – you are neither the tenant nor user of the premises under the terms of an agreement for more than 180 consecutive days.

Comments

To address the concept of “residing temporarily,” we have added a time limit. Beyond this timelimit, even if it is a temporary situation, you must declare this residence if you want civil liability coverage for it.

New policy

Property damage coverages

When the following are located on an adjacent site, meaning a location in contact with the premises, we insure:

Docks located on dry land or installed along then shore of the premises.

Comments

Addition of “dry land” and “along the shore of the premises” to specify which docks are insured.

New policy

Property damage coverages

Limitation of Amount Payable for Certain Property

We will pay a maximum amount of $5,000 for loss or damage caused by an insured peril to wind turbines, whether assembled or not, including their equipment and accessories.

Comments

New limitation for wind turbines

New policy

Property damage coverages

Comments

Both these coverages are now included in Coverage 1 – Dwelling and Improvements and Betterments, and the amount of insurance has been changed.

New policy

Property damage coverages

Comments

Both these coverages are now included in Coverage 1 – Dwelling and Improvements and Betterments, and the amount of insurance has been changed.

New policy

Property damage coverages

Comments

Both these coverages are now included in Coverage 1 – Dwelling and Improvements and Betterments, and the amount of insurance has been changed.

New policy    

Property damage coverages

Property Located on the Premises

Lawn mowers, snow blowers and garden-type tractors with a maximum power output of 22 kW (30 HP).

Comments

Addition of a maximum power output allowed.

New policy

Property damage coverages

Property Located on the Premises

Wheelchairs, three-wheeled scooters and four-wheeled scooters, with one seat, specifically designed for the carriage of a person who has a physical disability and used as such.

Comments

The description of the type of vehicle concerned has been revised, clarifying that the intent is to cover only those vehicles used as transportation aids by individuals with reduced mobility.

Note: Scooters and electric bicycles are mentionedin another subparagraph.

New policy

Property damage coverages

Property Temporarily Away From the Premises

Lawn mowers, snow blowers and garden-type tractors with a maximum power output of 22 kW (30 HP).

Comments

Addition of a maximum power output allowed.

New policy

Property damage coverages

Property Temporarily Away From the Premises

Wheelchairs, three-wheeled scooters and fourwheeled scooters, with one seat, specifically designed for the carriage of a person who has a physical disability and used as such.

Comments

The description of the type of vehicle concerned has been revised, clarifying that the intent is to cover only those vehicles used as transportation aids by individuals with reduced mobility.

Note: Scooters and electric bicycles are mentionedin another subparagraph.

New policy

Property damage coverages

Property Temporarily Away From the Premises

We insure:
a) Personal property that is usual to a dwellingand that you own or use, including the following motorized vehicles:
• Lawn mowers, snow blowers and garden-typetractors with a maximum power output of 22kW (30 HP);
• Boats or watercraft;
• Wheelchairs, three-wheeled scooters and four-wheeled scooters, with one seat, specifically designed for the carriage of aperson who has a physical disability and used as such;
• Golf remote-control caddies;
• The following electric vehicles with a maximum speed of 32 km/h:
– Scooters;
– Bicycles;
– Any other similar personal carrier;
• Electric vehicles for children with a maximum speed of 10 km/h.

b) Drawn machinery and trailers designed solely to transport a boat or watercraft and used as such.

Comments

There is now a list specifying the personal property that is covered while it is temporarily away from the premises. This was already the case for our other policy wordings.

New policy    

Property damage coverages

Limitation of Amount Payable for Certain Personal Property

Lawn mowers, garden-type tractors, snow blowers and drawn machinery, including their equipment and accessories.

Comments

Addition of lawn mowers and snow blowers in this limitation.

New policy

Property damage coverages

Limitation of Amount Payable for Certain Personal Property

Collectible cards.
Collectible cards include, but are not limited to, sports or entertainment personality cards.

Comments

Collectible cards are now included in the list of applicable limitations regardless of the occurrence causing the damage.

New policy

Property damage coverages

Limitation of Amount Payable for Certain Personal Property

Each pedal or electric bicycle, including its equipment and accessories, whether or not attached to a bicycle.

Comments

Bicycles are now included in the list of applicable limitations regardless of the occurrence causing the damage.

Coverage for bicycle equipment and accessories is limited whether or not they are attached to the bicycle.

New policy

Property damage coverages

Limitation of Amount Payable for Certain Personal Property

In the event of theft, loss or mysterious disappearance, for all property items belonging to a category, we will pay a maximum amount of...

Comments

This section now applies not only in the event of theft, but also in the event of loss or mysterious disappearance.

New policy

Property damage coverages

Comments

To be covered, the event must be caused by an insured peril.

All exclusions apply except Loss or Damage Caused by a Pollutant.

New policy

Property damage coverages

Comments

To be covered, the event must be caused by an insured peril.

All exclusions apply except Loss or Damage Caused by a Pollutant.

New policy

Property damage coverages

Tear Out and Repair

We will pay the cost of tearing out and repairing any interior parts of the building as needed to allow repairs to be made to the plumbing system, domestic water containers or appliances or their equipment having caused insured water damage.

HOWEVER, WE WILL NOT PAY any increase in the cost of repairing, replacing or reconstructing undamaged property resulting from changes in the height, size or style of the spa or the inground swimming pool.

Comments

If the cost of repairing, replacing or reconstructing undamaged property is increased because of changes in the height, size or style of the spa or inground pool, the difference in cost is not covered.

New policy

Property damage coverages

Credit or Debit Cards and Forgery

Food in a Freezer or Refrigerator

Change of Temperature

Lock Repair, Rekeying or Replacement

Comments

The amounts of insurance allowed for these extensions of coverage are now included in (not over and above) the amounts of insurance provided for Coverages 1, 2, 3 and 4.

New policy

Property damage coverages

Loss of Computer Data

Comments

The amount of insurance allowed for this extension of coverage is now included in (not over andabove) the amounts of insurance provided for Coverages 1, 2, 3 and 4.

New policy

Property damage coverages

Outdoor Growing Plants

Comments

The amount of insurance allowed for this extension of coverage is now included in (not over and above) the amounts of insurance provided for Coverages 1, 2, 3 and 4.

New policy

Property damage coverages

Damage to Dwelling During a Burglary

Comments

The amount of insurance allowed for this extension of coverage is now included in (not over and above) the amounts of insurance provided for Coverages 1, 2, 3 and 4.

New policy

Property damage coverages

Property Located Away From the Premises

Property Kept in a Safe Deposit Box

Personal Property Owned by a Family Member Residing in a Resident Health Care Facility

Comments

The amounts of insurance allowed for these extensions of coverage are now included in (not over and above) the amounts of insurance provided for Coverages 1, 2, 3 and 4.

New policy

Property damage coverages

Headstones

Income Benefit

Comments

The amounts of insurance allowed for these extensions of coverage are now included in (not over and above) the amounts of insurance provided for Coverages 1, 2 and 4.

New policy

Property damage coverages

Comments

This extension of coverage has been removed, but damage to the mobile home while it is being moved as a precaution is still covered. (See the exception to the Common Exclusion of "Moving a Building".)

New policy

Property damage coverages

Vandalism

HOWEVER, WE DO NOT INSURE loss or damage caused by an act of vandalism:

Resulting from the use of all or part of the premises for drug operations.

Comments

Damage caused by this peril is not covered if it is in any way related to any drug operations on the premises.

New policy

Property damage coverages

Water Damage

HOWEVER, WE DO NOT INSURE:

Loss or damage caused by water originating from escape, overflow or backing up of:
• eavestroughs, downspouts or rainwater leaders;
• French drains;
• sewer connections;
• sewers;
• septic tanks, drain fields or other waste watertreatment systems;
• ditches;
• sumps, retention tanks or holding ponds.

Loss or damage caused by water originating from an overflowing sump, retention tank or holding pond remain excluded even if the overflow is caused by a discharge pump that stops working due to a power outage caused by windstorm, rain, hail, freezing rain or a combination of these.

Comments

The policy does not cover loss or damage caused by water originating from an overflowing sump, retention tank or holding pond, even if the overflow is caused by a discharge pump that stops working due to a power outage caused by windstorm, rain, hail, freezing rain or a combination of these.

New policy

Property damage coverages

Hail

HOWEVER, WE DO NOT INSURE loss or damage to wind turbines.

Comments

New exclusion for wind turbines.

New policy

Property damage coverages

Windstorm

HOWEVER, WE DO NOT INSURE loss or damage to wind turbines.

Comments

New exclusion for wind turbines.

New policy

Property damage coverages

Comments

This peril is no longer covered.

Note : An endorsement is available to cover pool or spa for loss or damage caused by this peril.

New policy

Property damage coverages

Swimming pools designed for above-ground or semi-inground installation, which are installed outside your dwelling building and their equipment, regardless of where the equipment is located.

Uninstalled swimming pools designed for above-ground or semi-inground installation and their equipment, wherever located.

Patios and decks not attached to your dwelling building and giving direct access to swimming pools.

Comments

Equipment for outdoor pools is excluded, whether located inside or outside the building.Pools and their equipment are not covered while the pool is not installed, regardless of whether the equipment is inside or outside.

New policy

Property damage coverages

Do-it-yourself kits to build an aircraft or motorized vehicle, other than those insured under Coverage 2 – Personal Property (Contents).

Comments

This property is now excluded.

New policy

Property damage coverages

Wind turbines, where loss or damage is caused by:

• wind, hail, or the weight of ice, snow or sleet.
• collapse.

Comments

New exclusions for wind turbines.

New policy

Property damage coverages

Animals, except where loss or damage is causeddirectly by one of the following insured perils:

• Fire;
• Lightning;
• Fluctuations in artificially generated electric currents;
• Explosion;
• Smoke;
• Riot;
• Vandalism;
• Water damage;
• Hail;
• Windstorm;
• Transportation accidents;
• Impact by objects which strike the exterior of your dwelling building or its detached private structures;
• Loss or damage caused by a pollutant;
• Collapse of a building or any part thereof on the premises.

Comments

Animals have been added to the list of property excluded. However, they are still covered if the harm is caused by one of the specified perils.

New policy

Property damage coverages

Contamination

WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by contamination resulting from infectious disease.

Comments

New exclusion.

New policy

Property damage coverages

Other Ground Movement

WE DO NOT INSURE loss or damage caused by compaction, expansion, settling or any other ground movement attributable to:

a) the drying out, irrigation or drainage of the ground.
b) cold, heat, freezing or thawing.
c) the weight of a building, backfill or any other installation.

However, we insure loss or damage caused directlyt o insured property by an insured peril resulting from such ground movement.

Comments

The policies now exclude ground movement caused by the weight of a building, backfill or any other installation.

New policy

Property damage coverages

Freezing

WE DO NOT INSURE breakage caused by freezing to:

a) Property located outside a building.
However, we insure loss or damage caused directly by freezing of the outside drinking water main that supplies your dwelling building.

b) A building or the personal property inside when the building is unheated during the regular heating season.

c) A building or the personal property inside when the building is heated during the regular heating season but the premises have been unoccupied for more than seven consecutive days.
However, exclusion c) above does not apply if, beyond that seven-day period:
- you arranged for a competent person to enter your dwelling daily to ensure that heating was being maintained; or
- you shut off the water supply and drained all the installations and appliances.

Comments

New exclusion.

The peril of freezing was not clearly expressed in the previous policy wording. There was no separate "freezing" exclusion, but it was part of an exclusion under "water damage". This new exclusion does not apply to water damage, but rather specifically to the damage caused to property by freezing.

It will apply even if there is no water damage.

Note : An endorsement is available to cover pool or spa for loss or damage caused by this peril.

New policy

Property damage coverages

Comments

The words "reaching the premises" were removed. According to the new version, the exclusion applies whenever flood water damages the property, whether the property is located on the premises or away from the premises.

New policy

Property damage coverages

Impact by Water-borne Objects

WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by impact by water-borne objects, including ice.

This exclusion applies whether or not there is another cause or occurrence (whether covered or not) that contributes concurrently or in any sequence to the occasioning of the loss, damage or expenses.

However, we insure loss or damage caused directly to insured property by a fire or explosion resulting from such an impact.

Comments

Addition of "expenses" in this exclusion.

Addition of an absolute exclusion clause.

Under this clause, when a water-borne objectis involved in an occurrence, the damage will be entirely excluded, even if another insured occurrence contributed to the damage, but the damage caused by a fire or explosion remains covered.

New policy

Property damage coverages

Moving of Buildings

a) WE DO NOT INSURE loss or damage resulting from moving your dwelling building or detached private structures, from the momentt he building or structure is removed from its foundation or supports until the moment it is attached to a permanent foundation or to permanent supports.

Exclusion a) above applies whether or not thereis another cause or occurrence (whether covered or not) that contributes concurrently or in any sequence to the occasioning of the loss or damage.

Comments

The text now specifies that the exclusion applies until the building is attached to the new foundation or supports (even if it is not moving when the damage occurs).

An absolute exclusion clause has been added.

New policy

Property damage coverages

Moving of Buildings

b) WE DO NOT INSURE loss or damage:

resulting from moving your mobile home or its detached private structures;
occurring while the jacks or levelers for your mobile home have been removed and while utility hook-ups have been disconnected.

However, exclusion b) above does not apply if the mobile home must be moved in an emergency to protect against an insured peril.

Comments

This exclusion now applies to the detached private structures of the mobile home.

New policy

Property damage coverages

Rental of Your Dwelling

WE DO NOT INSURE occurrences resulting from rental of all or part of your dwelling for more than 30 days per calendar year, whether consecutive or not.

However, this exclusion does not apply if mentioned on the Declarations.

Comments

New exclusion.

New policy

Property damage coverages

Theft or Attempted Theft

WE DO NOT INSURE loss or damage caused by theft or attempted theft:

Of insured property in storage after the first 30 days of storage. This 30-day period commences on the date you begin to store property but does not extend beyond the datey our policy term ends.

Comments

This exclusion has been moved to the COMMON EXCLUSIONS section and it now applies to all property, not only personal (movable) property.

If part of the immovable property (building) were in storage, it would not be covered after 30 days.

New policy

Property damage coverages

Vandalism

WE DO NOT INSURE loss or damage caused by an act of vandalism:

Resulting from the use of all or part of the premises for drug operations.

"Drug operations" include cultivating, harvesting, processing, manufacturing, distributing or selling any substance regulated under the Controlled Drugs and Substances Act.

Comments

Damage by vandalism is not covered when it relates to use of the premises for drug operations as defined.

New policy

Property damage coverages

Water Damage

WE DO NOT INSURE:

Loss or damage caused by water originating from escape, overflow or backing up of:
• eavestroughs, downspouts or rainwater leaders;
• French drains;
• sewer connections;
• sewers;
• septic tanks, drain fields or other wastewater treatment systems;
• ditches;
• sumps, retention tanks or holding ponds.

Loss or damage caused by water originating from an overflowing sump, retention tank or holding pond remain excluded even if the overflow is caused by a discharge pump that stops working due to a power outage caused by windstorm, rain, hail, freezing rain or a combination of these.

Comments

The policy does not cover loss or damage caused by water originating from an overflowing sump, retention tank or holding pond, even if the overflow is caused by a discharge pump that stops working due to a power outage caused by windstorm, rain, hail, freezing rain or a combination of these.

New policy

Property damage coverages

Water Table

WE DO NOT INSURE loss, damage or expenses resulting directly or indirectly from the water table.

This exclusion applies whether or not there is another cause or occurrence (whether covered or not) that contributes concurrently or in any sequence to the occasioning of the loss, damage or expenses.

However, we insure loss or damage caused directly to insured property by a fire or explosion due to the water table.

Comments

Rising of the water table remains excluded. The word "expenses" has been added to make it clear that related costs are excluded, as well as the loss or damage itself.

New policy

Property damage coverages

Work on Property

WE DO NOT INSURE loss or damage to property while the property is being worked on or undergoing any process when such loss results directly from the work or process.

However, we insure loss or damage caused directly to insured property by an insured peril resulting from such work.

Comments

The word “personal” has been removed to make the wording consistent with Article 2485 of the Civil Code of Quebec. The intention is to exclude both work done on buildings as well as personal property inside the buildings.

New policy

Property damage coverages

Dwelling building and detached private structures

Repair or Replacement Cost Without Deduction for Depreciation

This option does not apply to:

Dilapidated detached private structures that are not useable for their original purpose.

Comments

This option is no longer applicable to dilapidated detached private structures that are not useable for their original purpose.

New policy

Property damage coverages

Dwelling and improvements and betterments

Repair or Replacement Cost Without Deduction for Depreciation

Repair or replacement must be made on the same location.

Materials used to repair or rebuild must be of similar quality as the materials in place prior to the occurrence.

Repair or replacement must be done within a reasonable time after the occurrence.

Comments

Repair or replacement must be made on the same location. This has been added to make the conditions for replacement cost the same as they are on our other policy wordings.

New policy

Property damage coverages

Dwelling building and detached private structures

Repair or Replacement Cost Without Deduction for Depreciation

In the event of a total loss only, if these conditions are met and you prefer not to rebuild the building, you can opt for a compensation that corresponds to the cost we would have to pay to rebuild it. In this case, the basis of settlement remains the same except that we will pay you up to the amount of insurance written on the Declarations for Coverage1 – Dwelling Building.

Comments

This clause applies only if the building is a total loss, and only if there are no restrictions that prevent it from being rebuilt on the same location.

New policy

Property damage coverages

Personal property

Repair or Replacement Cost Without Deduction for Depreciation

If the following conditions are met, we will pay the cost, at the date of the occurrence, to repair or replace, whichever is lower, the personal property covered under Coverage 2 – Personal Property (Contents).

Comments

This clause applies only to personal property that needs to be replaced, and only if the conditions are met.

New policy

Civil liability coverages

Personal Liability

We will pay all sums which you become legally liable to pay as compensatory damages because of unintentional bodily injury or property damage, as well as resultant loss of use, arising out of:

The ownership, maintenance or use of the premises, including the legal liability of other persons that you assume, under a written contract, in relation to your premises.

WE DO NOT INSURE claims arising out of:

liability you have assumed by contract with a railway company;

a contract for the production or distribution of energy.

Comments

New exclusion concerning any liability you assume under a contract for the production or distribution of energy.

New policy

Civil liability coverages

Personal Liability

We will pay all sums which you become legally liable to pay as compensatory damages because of unintentional bodily injury or property damage, as well as resultant loss of use, arising out of:

The ownership, maintenance or use of the following motorized vehicles which you own:

Wheelchairs, three-wheeled scooters and four-wheeled scooters with one seat, specifically designed for the carriage of a person who has aphysical disability and used as such.

Comments

A description of the type of vehicle concerned has been added to the wording itself, making it cleart hat the intention is to cover only those vehicles used as transportation aids by individuals with reduced mobility.

Note: Scooters and electric bicycles are mentioned in another subparagraph.

New policy

Civil liability coverages

Personal Liability

WE DO NOT INSURE:

Claims arising from the sale of a commercial or industrial building or a residential building containing more than six dwelling units.

Comments

New exclusion.

New policy

Civil liability coverages

Comments

Removal of the words "personal" and "or fixtures" to be consistent with Article 2485 of the Civil Code of Quebec. The intention is to exclude damage resulting from work done on any property, including the building itself.

New policy

Civil liability coverages

Rental Activity

We will pay all sums which you become legallyliable to pay as compensatory damages because of unintentional bodily injury or property damage, as well as resultant loss of use, arising out of:

The rental of all or part of your dwelling for not more than 30 days per year, whether consecutive or not.

Comments

The occasional rental of your dwelling is now limited to 30 days per year whether consecutive or not.

New policy

Civil liability coverages

Comments

Any rental of rooms must be declared to the insurer because this is not usual for a private residence.

New policy

Civil liability coverages

Additional Agreements

Our rights and duties to defend cease when wehave used up the amount of insurance under Coverage 10 – Legal Liability written on the Declarations in payment of settlements.

Comments

This new sentence is intended to limit the defence costs to the maximum amount of insurance for a given occurrence, regardless of the number of claims.

New policy

Civil liability coverages

Comments

This new clause means we pay your share of a special assessment only when the syndicate of co-owners (condo association) has no insurance or does not have sufficient insurance.

New policy

Civil liability coverages

Benefits

Medical Expenses

We will also pay:

Expenses incurred for ambulance, surgical, dental, hospital, nursing and medical services within 26 weeks of the accident, subject to a maximum benefit of $1,000 for all such care and services.

Comments

Addition of a limit to the amount of the benefit payable.

New policy

Civil liability coverages

Benefits

Medical Expenses

We will also pay:

Expenses incurred for supplying or replacing necessary artificial limbs or braces within 52 weeks of the accident, subject to a maximum benefit of $5,000 for all such devices.

Comments

Addition of a limit to the amount of the benefit payable.

New policy

Civil liability coverages

Activities

Unless otherwise mentioned on the Declarations, WE DO NOT INSURE claims arising out of the rental of all or part of your dwelling for more than 30 days per calendar year, whether consecutive or not.

However, refer to Coverage 10 – 5) Rental Activity.

Comments

New exclusion relative to the statement of coverage for rental of the dwelling.

New policy

Civil liability coverages

Assumed Liability

WE DO NOT INSURE claims arising out of any liability assumed by you only by contract, except those set out in paragraph b) of Coverage 10 – 1) Personal Liability.

Comments

This exclusion has been moved from the Tenant’s legal liability section to the Common Exclusions section.

This exclusion now applies to all coverages under Section II - Civil Liability Coverages.

New policy

Civil liability coverages

Premises Not Insured

WE DO NOT INSURE claims arising out of ownership, maintenance or use of premises which you own or rent under the terms of an agreement for more than 180 days and which are not mentioned as covered in Section II – Civil Liability Coverages.

Comments

This new exclusion clarifies the fact that claims arising out of other properties owned or rented by the Insured will not be covered beyond 180 days.