Notice to the insured

Important information about your home insurance policy renewal

To better meet the changing needs of consumers, the Insurance Bureau of Canada recently made some changes to its property insurance coverages. Consequently, we have updated all our home insurance policies to reflect these changes.

Please review the details below to learn about the changes to coverage that apply to your situation. We also suggest that you read your insurance documents to get an overview of the new coverage from which you now benefit.

For any question, please call us at 1-855-251-2525 to speak to one of our licensed insurance agents. They will be able to tell you about the different types of coverage available and make sure your home and possessions have the best protection for your needs.


Significant update to your automobile or home insurance policy dated May 10, 2018 regarding the conditions that will apply if you decide to cancel your insurance before the end of the policy term, that is, the percentage of the premium that will be withheld. Check out the new cancellation table for all the details.


 

Definitions

Old policy

Insured

Any person under 21 years of age in their care.

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.

Policy type

All policies

Old policy

Insured

Even if temporarily residing away from the principal residence, a student.

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus(500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Detached Private Structures

Means structures or buildings separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line or similar connection only.

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.

Policy type

All policies

Old policy

Installations sanitaires

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

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 ».

Policy type

Tous les contrats

Old policy

Premises

Means the land contained within the lot lines on which the dwelling is situated. Premises also include premises where a student insured by this policy is residing temporarily and private approaches to these. We also include private outbuildings of the dwelling, including boat houses and wharves, situated outside the lot line of the land on which the dwelling is situated, as well as private approaches giving access to these private outbuildings.

New policy

Premises
Premises located within the lot lines of the dwelling described on the Declarations.

Premises used as a residence by students insured under this insurance policy.

Comments

The definition no longer includes private approaches to the premises.

It also no longer includes outbuildings located outside the lot lines and private approaches leading to them.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Security(430.5)
Building and contents insurance - Priority Comfort(437.0)
Rented condo (436.5)

Old policy

Premises

Premises where you are residing temporarily or which you are using temporarily, as long as you do not own such premises.

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Section 1


Coverage 1 - Dwelling Building

Old policy

Property coverages

We insure:

Docks located on or adjacent to the premises.

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.

Policy type

All policies

Note:
For Tenants insurance, this coverage is in the policy section Coverage 2 – Personal Property (Contents).

For Condominium unit owners insurance, this coverage is in the policy section Coverage 1 –Dwelling and Improvements and Betterments.

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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

Policy type

All policies

Note:
For Tenants insurance, this limitation is in the policy section Coverage 2 – Personal Property(Contents).

For Condominium unit owners insurance, this coverage is in the policy section Coverage 1 – Dwelling and Improvements and Betterments.

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Immovable elements of your Unit:
200% of amount of Coverage 2 - Personal property (Contents)

Unit Improvements and Betterments:
100% of amount of Coverage 2 - Personal property(Contents)

New policy

Property damage coverages

Coverage 1 – Dwelling and Improvement sand Betterments


200% of amount of Coverage 2 - Personal property (Contents)

Comments

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

Policy type

Condominium unit owners insurance - Priority Comfort (436.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Immovable elements of your Unit:
250% of amount of Coverage 2 - Personal property (Contents)

Unit Improvements and Betterments:
100% of amount of Coverage 2 - Personal property (Contents)

New policy

Property damage coverages

Coverage 1 – Dwelling and Improvements and Betterments

300% of amount of Coverage 2 - Personal property (Contents)

Comments

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

Policy type

Condominium unit owners insurance - Priority Prestige (436.1)

Old Policy

Property coverages

Immovable elements of your Unit:
250% of amount of Coverage 2 - Personal property (Contents)

Unit Improvements and Betterments:
200% of amount of Coverage 2 - Personal property(Contents)

New policy

Property damage coverages

Coverage 1 – Dwelling and Improvementsand Betterments

400% of amount of Coverage 2 - Personal property (Contents)

Comments

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

Policy type

Condominium unit owners insurance - Priority Prestige plus (501.0)

Coverage 2 - Personal property (contents)

Old policy    

Property coverages

 

Ancien contrat

 

Ancien contrat

Property On the Premises

Motorized lawn mowers, other gardening equipment and snow blowers.

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.

Policy type

All policies

Old policy    

Property coverages

 

Ancien contrat

 

Ancien contrat

Property On the Premises

Wheelchairs, scooters, including three or four-wheel scooters, and electric bicycles, with the capability of not exceeding a maximum speed of 32 km per hour.

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.

Policy type

All policies

Old policy    

Property coverages

 

Ancien contrat

 

Ancien contrat

While temporarily away from the premises

Motorized lawn mowers, other gardening equipment and snow blowers.

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

While temporarily away from the premises

Wheelchairs, scooters, including three or four-wheel scooters, and electric bicycles, with the capability of not exceeding a maximum speed of 32 km per hour.

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy    

Property coverages

 

Ancien contrat

 

Ancien contrat

Optional Coverage Extensions - Personal Property

We insure:

Your personal property while it is temporarily away from your premises, in Canada or the continental United States of America.

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.

Policy type

Building and contents insurance - Priority Security (430.5)
Building and contents insurance - Priority Comfort (437.0)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Special limits of insurance

Garden-type tractors, including attachments and accessories, and drawn machinery.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Special limits of insurance

Collectible cards (such as sports and artistic personality cards).

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Special limits of insurance

Each pedal or electric bicycle, its equipment and accessories

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)

Building and contents insurance - Priority Security (430.5)
Building and contents insurance - Priority Comfort (437.0)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Special limits of insurance

In case of theft.

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.

Policy type

Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Coverage 4 - Additional living expense and fair rental value

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

We insure, up to a total of the amount stated inthe Declarations for Coverage 4, your additional living expense and/or loss of fair rental value if your dwelling, or the part of your dwelling or detached private structures rented or held for rental, is rendered unfit for occupancy:

Because access to your dwelling is prohibited by order of civil authorities, but only when such order is given for mass evacuation as a direct result of a sudden and accidental event within Canada or the United States of America. You are insured for a period not exceeding 2 weeks from the date of the order of evacuation.

Exclusions Pollution and Natural earth movements under Common Exclusions do not apply to the above paragraph.

New policy

Property damage coverages

We insure:

Additional living expense:

When a civil authority prohibits access to the premises or orders the premises to be evacuated as a direct result of an event occurring off the premises and caused by an insured peril.

Payment will be made for a period not exceeding 14 days per event.

The common exclusion Loss or Damage Caused by a Pollutant does not apply to the coverage outlined in paragraph b).

Comments

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

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

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

We insure, up to a total of the amount stated in the Declarations for Coverage 4, your addition alliving expense and/or loss of fair rental value if your dwelling, or the part of your dwelling or detached private structures rented or held for rental, is rendered unfit for occupancy.

Because access to your dwelling is prohibited by order of civil authorities, but only when such order is given for mass evacuation as a direct result of a sudden and accidental event within Canada or the United States of America. You are insured for a period not exceeding 2 weeks from the date of the order of evacuation.

Exclusions Pollution and Natural earth movements under Common Exclusions do not apply to the above paragraph.

New policy

Property damage coverages

We insure:

Loss of fair rental value:

When a civil authority prohibits access to the premises or orders the premises to be evacuated as a direct result of an event occurring off the premises and caused by an insured peril.

Payment will be made for a period not exceeding 14 days per event.

The common exclusion Loss or Damage Caused by a Pollutant does not apply to the coverage outlined in paragraph b).

Comments

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

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

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Extensions of coverage

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Tear Out

We will replace or repair any interior parts of the insured building that must be removed or torn apart before any repairs can be made to the plumbing system, domestic water container or appliance or its equipment having caused insured water damage. "Domestic water container or appliance" includes, but is not limited to, fish tanks, water beds, heating, air conditioning or fire extinguishing systems, swimming pools, spas, saunas, fountains and basins.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Credit or Debit Cards and Forgery

Food Spoilage

Change of Temperature

Lock Replacement, Rekeying or Repair

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Data

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Security(430.5)
Building and contents insurance - Priority Comfort(437.0)

Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Growing plants

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)

Building and contents insurance - Priority Security (430.5)
Building and contents insurance - Priority Comfort (437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Damage to Dwelling

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.

Policy type

Building and contents insurance - Priority Security (430.5)
Building and contents insurance - Priority Comfort (437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Theft of personal property temporarily removed

Safety Deposit Box

Resident Health Care Facility Coverage

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.

Policy type

Homeowners insurance - Priority Prestige (439.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Headstones

Income Benefit

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.

Policy type

Condominium unit owners insurance - Priority Prestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Removal of mobile home

In the case of a mobile home, we will pay up to 5% of the amount of insurance on your dwelling building (without deductible) for reasonable costs incurred to have the mobile home removed as a precaution against the threat of damage by an insured peril. 

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".)

Policy type

Homeowners insurance - Priority Security (432.0)

Building and contents insurance - Priority Security (430.5)

Insured perils

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Vandalism or malicious act

New policy

Property damage coverages

Vandalism

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

Committed during burglary or robbery, except if burglary is mentioned as an insured peril on the Declarations.

Comments

Loss or damage caused by this peril are not covered if it is committed during burglary or robbery, except if burglary is mentioned as an insured peril on the Declarations.

Policy type

Building and contents insurance - Priority Security (430.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Vandalism or malicious acts

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.

Policy type

Homeowners insurance - Priority Security (432.0)

Tenants insurance - Priority Comfort (435.7)

Condominium unit owners insurance - PriorityComfort (436.0)

Building and contents insurance - Priority Security(430.5)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Water damage

This peril does not include water damage:

Caused by the discharge, backing up or overflow of water from a building sewer, sewer, ditch, sump, septic tank, drainfield or other waste watertreatment system, retention tank or holding pond, French drain, eavestrough, downspout or rainwater leader.

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.

Policy type

Homeowners insurance - Priority Security (432.0)

Tenants insurance - Priority Comfort (435.7)

Condominium unit owners insurance - PriorityComfort (436.0)

Building and contents insurance - Priority Security(430.5)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Hail

New policy

Property damage coverages

Hail

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

Comments

New exclusion for wind turbines.

Policy type

Homeowners insurance - Priority Security (432.0)

Tenants insurance - Priority Comfort (435.7)

Condominium unit owners insurance - PriorityComfort (436.0)

Building and contents insurance - Priority Security(430.5)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Windstorm

New policy

Property damage coverages

Windstorm

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

Comments

New exclusion for wind turbines.

Policy type

Homeowners insurance - Priority Security (432.0)

Tenants insurance - Priority Comfort (435.7)

Condominium unit owners insurance - PriorityComfort (436.0)

Building and contents insurance - Priority Security(430.5)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Weight of snow, ice or sleet

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.

Policy type

Homeowners insurance - Priority Security (432.0)

Tenants insurance - Priority Comfort (435.7)

Condominium unit owners insurance - PriorityComfort (436.0)

Property excluded

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Pools

Loss or damage to above-ground pools, or pools designed to be installed above-ground, and their equipment.

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.

Type de contrat

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)

Tenants insurance - Priority Comfort (435.7)
Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)

Building and contents insurance - Priority Security(430.5)
Building and contents insurance - Priority Comfort(437.0)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus(500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Comfort(437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Common exclusions

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Natural earth movements

Loss or damage caused directly to property by natural earth movements resulting from:

Freezing and thawing;
Exposure to cold or heat;
The drying out, irrigation or drainage of the ground.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus(500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Comfort(437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Flood

Loss, damage or expense caused directly or indirectly by flood reaching the premises.

“Flood” includes waves, tides, tidal waves, tsunamis, dam breaks and the rising or overflow of any stream of water or body of water, whether natural or man-made;

This exclusion applies whether or not there are one or more other causes or events (whether covered or not) that contribute concurrently or in any sequence to the occasioning of the loss, damage or expense.

However, this exclusion does not apply to loss or damage to insured property or any related expense caused directly by a fire or explosion resulting from flood.

New policy

Property damage coverages

Flood

WE DO NOT INSURE loss, damage or expenses caused directly or indirectly by flood.

"Flood" includes waves, tides, tidal waves, seiches, tsunamis, dam breaks and the rising or overflow of any stream of water or body of water, whether natural or man-made.

This exclusion applies whether or not there is another cause or occurrence (whether coveredor 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 flood.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Impact by objects, other than a vehicle or aircraft, which strike the exterior of your dwelling building or detached private structures.

This peril does not include loss or damage caused by impact by water-borne objects.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Moving of buildings

Loss or damage:

To your dwelling building or detached private structures arising out of their displacement.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Moving of buildings

Loss or damage:

To your mobile home arising out of its displacement, or while the levelling jacks or blocks are removed or all utilities are disconnected, except if the mobile home is moved in an emergency to protect it from an insured peril.

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.

Policy type

Homeowners insurance - Priority Security (432.0)

Building and contents insurance - Priority Security (430.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

New policy

Property damage coverages

Vandalism

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

Committed during theft or attempted theft, except if theft is mentioned as an insured peril on the Declarations.

Comments

Loss or damage caused by an act of vandalism are not covered if it is committed during theft or attempted theft, except if theft is mentioned as an insured peril on the Declarations.

Policy type

Building and contents insurance - Priority Comfort (437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Vandalism or malicious acts

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.

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Comfort(437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Water damage

Caused by the discharge, backing up or overflow of water from a building sewer, sewer, ditch, sump, septic tank, drainfield or other wastewater treatment system, retention tank or holding pond, French drain, eavestrough, downspoutor rainwater leader.

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.

Policy type

Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Tenants insurance - Priority Prestige (435.9)

Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Comfort (437.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Water table

Loss or damage to property caused directly or indirectly by a rising of the water table.

This exclusion applies whether or not there are one or more other causes or events (whether covered or not) that contribute concurrently or in any sequence to the occasioning of the loss, damage or expense.

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.

Policy type

All policies

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Work on property

Loss or damage to personal property while being worked on or undergoing any process, whether or not it involves the application of heat, but resulting damage to other property caused by a peril not otherwise excluded is insured.

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.

Policy type

All policies

Basis of settlement

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Dwelling building and detached private structures

Replacement Cost

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.

Policy type

Homeowners insurance - Priority Security (432.0)
Homeowners insurance - Priority Comfort (438.0)
Homeowners insurance - Priority Prestige (439.0)
Homeowners insurance - Priority Prestige plus (500.0)

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)

Building and contents insurance - Priority Security (430.5)
Building and contents insurance - Priority Comfort (437.0)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Unit and improvements and betterments

Replacement Cost

Repair or replacement must be effected with materials of similar quality within a reasonable time after the loss or damage.

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.

Policy type

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)
Rented condo (436.5)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Dwelling building and detached private structures

Replacement cost without obligation to rebuild orreplace Dwelling or detached private structures

If you do not rebuild on the same site or should you elect not to repair, rebuild or replace your building(s), the basis of settlement will be the same as above, except that we will not paymore than the limit of insurance stated in the Declarations for Coverage 1 – Dwelling Building.

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.

Policy type

Homeowners insurance - Priority Prestige plus (500.0)

Condominium unit owners insurance - PriorityPrestige plus (501.0)

Old policy

Property coverages

 

Ancien contrat

 

Ancien contrat

Personal property

We will pay you on the basis of replacement cost for covered personal property, subject to the applicable amount of insurance, regardless of whether the property is repaired or replaced or not.

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.

Policy type

Homeowners insurance - Priority Prestige plus (500.0)

Condominium unit owners insurance - PriorityPrestige plus (501.0)

Section 2


Coverage 10 - Legal liability

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

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 including resultant loss of use arising out of:

Your ownership, use or occupancy of the premises defined in Section II. This insurance also applies if you assume, by a written contract, the legalliability of other persons in relation to your premises, but we do not insure claims arising from liability you have assumed by contract with a railway company.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Special limitations

Motorized Vehicles You Own

You are insured against claims arising out of your ownership of the following:

Wheelchairs, scooters, including three or four-wheel scooters, and electric bicycles, with the capability of not exceeding a maximum speed of 32 km per hour.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Personal Liability

You are not insured for claims made against you arising from:

Claims arising out of:

Loss or damage to personal property or fixtures as a result of work done on them by you or anyone on your behalf.

New policy

Civil liability coverages

Personal Liability

WE DO NOT INSURE:

Property damage, including resultant loss of use, to property:

as a result of work done on it.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Special limitations

Business and Business Property

You are insured against claims arising out of:

The rental of your property to others as follows:

Your residence, on an occasional basis.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Special limitations

Business and Business Property

You are insured against claims arising out of:

The rental of your property to others as follows:

Residential buildings containing not more than 6 dwelling units, usually occupied in part by you as a residence, provided no family unit includes more than 2 roomers or boarders.

New policy

Civil liability coverages

Rental Activity

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 rental of rooms in your dwelling building, if mentioned on the Declarations.

Comments

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

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Defence, settlement, supplementary payments

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Loss assessment

We will pay your share of special assessments if:

The assessment(s) are valid under the Coownership Declaration;

and

The assessments(s) are made necessary by occurrence(s) to which this Section of the policy applies.

New policy

Civil liability coverages

Loss assessment coverage

We will pay your share of any special assessment imposed under the Declaration of Co-Ownershipowing to an insured occurrence under Section II – Civil Liability Coverages.

This coverage applies only if the syndicate has noinsurance or if its insurance is inadequate.

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.

Policy type

Condominium unit owners insurance - PriorityComfort (436.0)
Condominium unit owners insurance - PriorityPrestige (436.1)
Condominium unit owners insurance - PriorityPrestige plus (501.0)
Rented condo (436.5)

Coverage 13 - Voluntary compensation for residence employees

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Benefits

Medical Expenses

We will pay:

Medical expenses including surgical, dental, hospital, licensed nursing and ambulance expenses incurred as a result of the accident within the following 26 weeks.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Benefits

Medical Expenses

We will pay:

The cost of supplying or renewing artificial limbs or braces, made necessary by the accident, for up to 52 weeks after the accident.

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.

Policy type

Common exclusions

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

Tenant’s legal liability

You are not insured for liability you have assumed by contract unless your legal liability would have applied even if no contract had been in force.

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.

Policy type

All policies

Old policy

Liability coverages

 

Ancien contrat

 

Ancien contrat

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.

Policy type

All policies