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.