Personal Automobile Manual. December 10, New Business January 10, Renewals

Transcription

1 Personal Automobile Manual December 10, New Business January 10, Renewals

2 GENERAL INFORMATION BROKER BINDING AUTHORITY Brokers are authorized to bind risks which meet the eligibility requirements contained in this manual. If a Broker wishes to bind outside of the prescribed underwriting rules and guidelines, the Broker must secure the approval of the Company prior to binding. The following must be referred to the Company for approval prior to binding: Vehicles with a value in excess of $100,000 Applicants claiming driving experience outside of North America Any risk where the Insured is requesting to apply an OPCF 28A (Excluded Driver Endorsement) Applications where the applicant/operator requires a Financial Responsibility Certificate Vehicle(s) imported to/purchased outside of Canada A risk containing 2 or more claims of the same kind or a combination of 3 or more claims in the preceding 6 years Applicants with 2 or more AB claims in the preceding 3 years Applicants requesting Collector Car program coverage on vehicles with a value in excess of $25,000 US Exposure Vehicles 15 years of age and older Leased vehicles 5 years of age and older A risk with 1 or more Cancellations for Non-Payment in the preceding 3 years APPLICATION / SUBMISSION Brokers are authorized to bind the Company for 30 days. No extensions of a binder beyond 30 days will be permitted without the approval of the Company. The binder may not be amended to indicate a longer period. Backdating of coverage is not permitted. All risks submitted must have complete and appropriate risk information on file as well as a completed and signed application from the Insured. Submission should be entered on our system within 5 business days of enactment. A fully completed and signed OAF 1 may be required at renewal to obtain risk information necessary to confirm continued eligibility and rating. A copy of the vehicle ownership (Plate & Permit portion) may be requested in order to validate the registered owner, use and risk exposure. Renewals: October 1,

3 GENERAL INFORMATION When a vehicle is registered in two names, or two vehicles exist which are registered under separate names such as in the case of applicant & spouse, the application must be signed by both parties and one policy is adequate. Under the remarks field a note must indicate which vehicle is owned by which spouse. If other than applicant and spouse, one vehicle is registered to one person and the other vehicle to another, two separate applications must be completed. A copy of the Bill of Sale or Lease Agreement must be obtained and retained by the Broker in their office when a request is being made for an OPCF 43 or 43A to be applied to a vehicle. POLICY PERIOD New Business policies are written for a term of 6 months or 12 months. Existing business may be written on a variable policy term not exceeding 12 months. The premiums quoted in this manual are for a term of 365 days unless otherwise specified. PREMIUMS All premium calculations for each coverage shall be rounded to the nearest dollar. A premium of 50 cents is rounded to the next highest dollar. CANCELLATION Cancellation by the policyholder will be on a short rate basis. The request for cancellation must be made in writing, either by signing the policy on the back or by signing a Lost Policy Voucher (LPV). Where a policy has been issued under two names a signature must be obtained from both Named Insureds. Cancellation initiated by the Insurance Company will be on a pro-rata basis as prescribed under OAP 1. Flat cancellation of New Business is not permitted. Flat cancellation of Renewal shall only be allowed if the signed off Renewal is returned to the Company within 30 days of Renewal date, provided there have been no claims. Note: Flat cancellation means that any premium paid for the term will be refunded in full from the effective date of the Renewal, provided there are no claims during the policy term. LETTERS OF AUTHORIZATION From time to time, Insureds will want to change Brokers while retaining coverage with Unica. A completed Letter of Authorization should be addressed directly to Unica. The Letter of Authorization must include: The Insured s name Address Policy number(s) The name of the new Broker to which the policy is being transferred The name of the current Broker Renewals: October 1,

4 GENERAL INFORMATION The effective date the policy is to be transferred to the new Broker The Letter of Authorization must be dated and signed by all the Named Insureds on the policy A Letter of Authorization to change a Broker will be accepted upon Renewal. We may request that new Autoplus and Motor Vehicle reports and a new automobile application be completed. Renewal rules and rating will apply. As an accommodation, if the Insured wishes to change their Broker mid-term, we will require a Letter of Authorization to process a pro-rata cancellation of the existing policy and set up a new policy. Rates and rules will follow those in effect on the prior policy until such time as the new policy renews. On the subsequent renewal, renewal rates and rules will apply and Unica will request a new fully completed and signed application, together with new Autoplus and Motor Vehicle reports. CHANGE OF OWNERSHIP OR NAME When the ownership of an automobile is changed, a new policy must be issued. In addition, a fully completed and signed application is required. It will not be necessary to issue a new policy or obtain a new application, if the transfer is being made: Between a husband and wife residing together Because of a legal change of name To correct a spelling error If a leased vehicle is bought by the lessee PRIVATE PASSENGER AUTOMOBILE A private passenger automobile is defined as: An owned or leased motor vehicle of the private passenger automobile, station wagon, utility vehicle or mini van/compact van type used for pleasure or business purposes; or An owned or leased motor vehicle that is not classed as a commercial vehicle pursuant to the Automobile Statistical Plan; or An owned or leased motor vehicle of the van, pickup or other commercial vehicle type with a gross vehicle weight not in excess of 4,500 kg used for pleasure purposes only. The above is subject to the following exclusions for Personal Lines: An owned or leased motor vehicle of any type that is: - Part of a fleet, synthetic fleet or group plan. Vehicles meeting this description can be referred to Unica s Commercial Lines Department, unless the vehicle is individually rated in accordance with rates contained herein and coded as a private passenger nonfleet automobile under the Automobile Statistical Plan; - Used as an ambulance, invalid car, funeral vehicle, taxi, limousine, rental vehicle, driver training vehicle, for police work, commercial delivery, for demonstrating or testing or where held for sale by an automobile dealer; - Used for delivery or transportation of: goods, materials and/or non-owned tools or equipment of any nature, to any location; owned tools anywhere other than one permanent place of employment; - Designed and used for the purpose of transporting more than 10 persons; - Used as a business vehicle and operated by an employee of the business. Renewals: October 1,

5 GENERAL INFORMATION VALID OPERATOR S LICENCE A valid licence means one which is not suspended and is valid to drive the type of automobile insured; e.g., a G1, G2 or G class licence. An International licence is not considered to be a valid operator s licence in Canada, unless the operator is a temporary resident, e.g., embassy staff, exchange student or a tourist. New Ontario residents, in accordance with the Ministry of Transportation guidelines, must transfer their current operator s licence to an Ontario driver s licence within 60 days, otherwise they will be considered to be unlicensed. GRADUATED LICENSING All new operators applying for their first private passenger vehicle licence enter Ontario s Graduated Licensing System. The two-step licensing process takes 20 months to complete, unless the operator was previously licensed in a jurisdiction that has a reciprocal agreement with Ontario and the operator may get a G class licence subject to certain requirements. The first step being Class G1 includes the following terms: The new operator must be at least 16 years old Cannot operate a vehicle without being accompanied by a fully licensed driver (G class), who has been fully licensed in Canada / USA for 4 years A new driver must hold a G1 licence for at least 12 months before they can attempt the G1 road test. If the new driver has successfully completed an approved driver education course the time can be reduced to eight months The second step being Class G2 includes the following terms: The new driver may drive without an accompanying driver on all Ontario roads anytime A new driver must hold a G2 licence for a minimum of 12 months before they can attempt the G2 road test. If successful they will be promoted to a G class licence and are considered to be fully licensed At a G2 level the driver has more privileges and fewer restrictions due to their Years Licensed. Once a G1 driver has graduated to a G2 class he/she must be listed under the insurance policy and will be rated according to the terms under this manual. RISK The term risk is used in relation to the ownership, use or operation of a single vehicle. It may include multiple coverages and/or operators in relation to that one vehicle. If the policy insures more than one vehicle, each vehicle is considered a separate risk. In the case of an Occasional operator, the principal exposure and the underage exposure constitute a single risk. RATING TERRITORY The rating territory applicable should be that in which the automobile is and will be chiefly used and usually kept. Renewals: October 1,

6 GENERAL INFORMATION INSPECTION OF AUTOMOBILE Under the policy Statutory Conditions Inspection of Automobile, it gives the insurer the right to inspect the automobile and its equipment at all reasonable times. HIGHEST RATED AUTOMOBILE The highest rated automobile is the one, which develops the highest premium before any discounts are applied. Premiums for Specified Perils, Comprehensive (including Comprehensive portion of the All Perils premium) and OPCFs should not be considered as part of this calculation. LIST PRICE NEW List Price New means the retail (selling) purchase price new, including taxes and equipment permanently attached thereto. PRINCIPAL OPERATOR The Principal operator is the person who normally drives the automobile the most. If there are two or more automobiles in the household and the number of operators, including occasional operators, equals or exceeds the number of automobiles, each operator must be assigned as a Principal operator of each vehicle. The same operator cannot be a Principal operator of more than one vehicle when he or she is not the only operator in the household/policy. Another operator must be assigned as a Principal operator of the other automobile(s). E.g., A risk with four vehicles and four operators, mom, dad and two children; each operator would be assigned to each automobile as a Principal operator. If there were only three vehicles then one of the operators would be assigned as an Occasional or Secondary operator. SPOUSE Defined as either of two persons: Who are married to each other; Have together entered into a marriage that is voidable or void, in good faith on the part of the person making a claim under this policy; or Have lived together in a conjugal relationship outside marriage continuously for a period of not less than three years; or in a relationship of some permanence, if they are the natural or adopted parents of a child. INSURANCE FRAUD Is when the Insured or any person who is a regular operator of vehicle has been found by a court of competent jurisdiction in either criminal or civil proceedings to have committed a fraud in any way connected with automobile insurance. Renewals: October 1,

7 GENERAL INFORMATION MATERIAL FACT Anything that would cause an Underwriter to reject a risk, charge a different premium for the risk or change the coverages or terms of the policy. MATERIAL MISREPRESENTATION Is where within the preceding 6 years an applicant for a contract: Gives false particulars of the described automobile to be insured to the prejudice of the insurer; or Knowingly misrepresents or fails to disclose in the application any fact required to be stated therein. DRIVING EXPERIENCE This is defined as the number of full continuous years that the operator has held a valid operator s licence for the type of vehicle concerned. A valid licence includes a licence in another jurisdiction within Canada or the United States. Years Licensed in Canada / USA is calculated based on the first date licensed in Canada or the USA (rather than the Date First Licensed shown on the Motor Vehicle Record). Driving experience obtained in a foreign country (other than the USA) is not considered experience for the purpose of establishing Years Licensed in Canada / USA. A learner s permit (G1) will not be recognized as this is not considered to be a valid licence, unless there is no other licensed driver in the household and they are the Principal Operator. PLEASURE USE Includes driving the automobile between the residence and the place of employment and includes car pools, share-the-ride agreements, as well as driving part way to work such as to a bus, subway or train station. BUSINESS USE Other than driving to and from work, the vehicle is regularly used or required by any operator in the pursuit of his/her occupation. A personal vehicle will be classified as a business use vehicle if it is used for business purposes. This includes situations where the Insured is paid for the use of his/her vehicle, is able to claim for vehicle expenses on their tax return, or otherwise profits from the use of their vehicle. Some examples of where Business Use Rating would apply would be Real Estate Agent, Insurance Broker, Sales person, Social Worker etc. DRIVE TO WORK Includes driving the automobile between the residence and the place of employment and includes car pools, share-the-ride agreements, as well as driving part way to work such as to a bus, subway or train station. Renewals: October 1,

8 GENERAL INFORMATION ACCIDENT An occurrence resulting in a bodily injury, personal injury, death, damage to property of others or collision damage arising out of ownership, use or operation of an automobile. CHARGEABLE ACCIDENT Chargeable Accident (in conjunction with the NOTE below) means an occurrence for which the Applicant, Insured or operator is deemed to be wholly, or partially responsible and results in Bodily Injury, and/or Damage to Property of Others, and/or Collision or the Collision portion of All Perils coverage arising out of the ownership, use or operation of an automobile in consequence of which: An amount has been paid or would have been paid but for the existence of provincial Direct Compensation laws or agreement; or A claim remains unsettled or unpaid; or A civil suit is pending against the Applicant, Insured or operator; or The loss was uninsured due to absence of coverage or a policy violation and the right to indemnity was forfeited resulting in the claim to be paid by an insurer under Uninsured Automobile or OPCF 44R coverage. It is not considered a Non-Chargeable Accident as defined below. NOTE: BEFORE SEPTEMBER 1, 2010: accidents occurring before September 1, 2010 are chargeable if the Applicant, Insured or operator is deemed to be more than 0% responsible. AFTER SEPTEMBER 1, 2010: Accidents occurring on or after September 1, 2010 are chargeable if the Applicant, Insured or operator is deemed to be more than 25% responsible. A chargeable accident is always taken into account even though: There was no insurance in effect, or The claim was repaid to the insurer by or on behalf of the Applicant, Insured, or operator. NON-CHARGEABLE ACCIDENT The following situations will be considered as Non-Chargeable Accidents: The Insured's degree of fault is determined (in conjunction with the NOTE below) under the relevant provincial fault determination laws or agreements or dispute resolution mechanisms Damage to the vehicle resulted from the automobile being struck by an unidentified vehicle and the incident is reported to the police within 24 hours of the occurrence For Private Passenger Automobiles only, an accident will be considered a minor accident if all of the following circumstances exist: - The cost of damage to the automobile(s), including any associated property damage, did not exceed $2,000 individually; Renewals: October 1,

9 GENERAL INFORMATION - The cost of all such damages was paid by or on behalf of the At-fault driver; - No personal injuries were sustained as a result of the accident; and - No payment was made by an insurer with respect to damage to any automobile or property resulting from the accident. Such incidents will not affect rating and eligibility. However, if a second Minor accident occurs within the three-year time period following the first Minor Accident, the second Minor Accident will be rated and considered when determining eligibility. An uninsured party is responsible and the repair cost was paid under the Uninsured Motorist portion of the policy, or the deductible is recovered in full from an Unsatisfied Judgement or similar fund Impact with an animal NOTE: BEFORE SEPTEMBER 1, 2010: accidents occurring before September 1, 2010 are non-chargeable if the Applicant, Insured or operator is deemed to be 0% responsible. AFTER SEPTEMBER 1, 2010: Accidents occurring on or after September 1, 2010 are non-chargeable if the Applicant, Insured or operator is deemed to be 25% or less responsible. ANTI-THEFT DEVICES Immobilizer: this system cuts power to the ignition and prevents vehicle start-up. It can be deactivated by a plate hidden in the vehicle or by pushing one of the vehicle s accessory buttons. Examples include the PFK Autowatch 329, MasterGard M6000 and the Powerlock-Canada Immobilizer. Central Tracking Device: this system features a signal transmission device hidden in the vehicle and makes it possible to track the vehicle s position via GPS. Examples include Boomerang and Lo-Jack. VIN Engraving: the vehicle s Vehicle Identification Number (VIN) is permanently etched onto the vehicle s windows. The etching can be completed by the Insured with a kit such as VINetcher or VINshield, or by the vehicle dealer. PORTFOLIO TRANSFERS Risks submitted to us as part of a portfolio transfer will be treated as Renewal business from the standpoint of applying rate, underwriting rules regarding chargeable accidents, convictions and nonpayment of premium. Renewals: October 1,

10 GENERAL INFORMATION VEHICLE BRANDING: SALVAGE / REBUILT / IRREPARABLE VEHICLES A vehicle which has been branded Salvage must be upgraded to Rebuilt in order for it to be legally driven on Ontario roads. Vehicles branded Irreparable can never be driven on Ontario roads; they can only be used for parts or scrap. Unica will insure vehicles that have been upgraded to Rebuilt provided the following criteria have been met: The vehicle successfully passed an inspection in accordance with the requirements in Ontario s Regulation 611 of the Highway Traffic Act. This includes the issuance of a Structural Inspection Certificate and a Safety Standards Certificate. Has upgraded their vehicle from Salvage to Rebuilt and has been declared Fit by the Ministry of Transportation. Note: Statutory Condition # 8 Inspection of the Automobile of the OAP # 1 policy states: The Insured shall permit the insurer at all reasonable times to inspect the automobile and its equipment. Unica will not offer Section 7 coverage for Rebuilt automobiles. Renewals: October 1,

11 GENERAL INFORMATION CHECKLISTS FOR POLICY CHANGE Treat Policy Change the same as New Business, obtaining full and complete details. This includes but is not limited to providing Car Codes, Territory, Rating Information (Years Licensed in Canada / USA, Gender, Age of Operator, Type / Assignment of Operator, Commuting & Annual Mileage Distances, Use of Vehicle, Claims and Convictions), Surcharges and Discounts. Ensure the Insured(s) sign any necessary documentation; e.g., OPCF 19 or OPCF 13C Obtain the Effective Date and Time of the transaction Document all coverage offered but declined by the Insured VEHICLE ADDED/SUBSTITUTED/DELETED ADDING A DRIVER Name of Registered Owner (If leased full name & address of Leasing Co) Year, make, model, body type, VIN Type of fuel used? Vehicle modified or customized? Any unrepaired damage? Operator s full name Relationship to the Insured Operator s licence # and date licensed If Driver Training Certificate applies, please obtain copy of DTC and attach to change request. Ensure that DTC applies based on our filed guidelines Coverage required on new vehicle or changes to existing vehicle Are there any additional endorsements required? Any requiring signature? Use of the additional vehicle or changes to existing/remaining vehicle Order MVR and Autoplus on any operator being added to the policy for the first time or any previously listed or Excluded Driver who has been previously removed from the policy Record Report details Dates and type of Convictions, if any? Claim details if any? And prior carrier history Estimated annual driving distance Licence Class and Status Car pooling or share-ride information Any change in operator information. E.g., who drives the new or existing vehicle? Are there any new operators not previously disclosed? If so, provide full details Prior carrier information (name, policy #, claim history) Vehicle(s) to be operated Rating information changes required New Lienholder information or change to Lienholder of existing vehicles Percentage of use for additional operator and changes of use for existing operators Deletion of Lienholder/Lessor via Registered Letter when vehicle is deleted Is an appraisal or Safety Standards Certificate along with current photographs required for the additional or substituted vehicle? Change in coverage required? Discounts applicable Additional underwriting information Renewals: October 1,

12 GENERAL INFORMATION COVERAGE ADDED / DELETED / AMENDED DELETING A DRIVER Change in coverage required? Reason for deleting the operator? Change in Discounts, Surcharges, Rating Territory or Rating information on additional vehicles insured on the same policy or as a cross reference Registered Letter will be forwarded to Lienholder/Lessor advising of deletion or reduction of coverage on a vehicle, deletion of a vehicle or cancellation of the policy Does the operator still reside in the household? Will the operator be insured elsewhere? Details of new carrier (name, policy #) Does the rating or use of the vehicles change as a result of deleting this operator? Ask the Insured to formally acknowledge/ confirm all changes in coverage that are being made and document who requested the change Why is coverage being deleted or added? (E.g., possible material change in risk? Licence suspended? Or does the Insured have a claim to present under a coverage not currently provided?) If the Insured is requesting coverage to be deleted and on file there is a Lienholder or Lessor, written authorization must be obtained from the interested party ADDRESS CHANGE CANCELLING A POLICY DELETING A LIENHOLDER / LESSOR Does the Rating Territory change? Has the use of the vehicles changed? Signed request by the Named Insured(s) including a signed LPV / signed back Renewal documents How far is the vehicle driven to work? What is the estimated annual driving distance? Has the Principal operator of the vehicle changed? Are there any new operators in the household? Release of interest from the Lienholder/ Lessor If cancelling, Registered Letter is sent to Lienholder/Lessor Renewals: October 1,

13 ELIGIBILITY & RATING RULES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT VEHICLE 1. The Applicant or listed operator has been cancelled or has had a claim denied for material misrepresentation or nondisclosure in the preceding 3 years 2. The Applicant or listed operator has knowingly misrepresented or failed to disclose in the application for insurance or when requesting a change to the existing policy any fact required to be stated, including giving false particulars of the described automobile to the prejudice of the insurer 3. The Applicant or listed operator is the only licensed operator in the household and their driving status is suspended, unrenewable or unlicensed 4. The Applicant or listed operator has had a licence suspension in the preceding 3 years for an alcohol related conviction 5. The Applicant or listed operator has wilfully made a false statement in respect to a claim under the contract 6. The Applicant or listed operator has failed to provide all information or documentation required for the purpose of investigating or assessing a claim under a policy 7. The Applicant or listed operator fails to provide the necessary underwriting information as described in the OAF 1 to determine our loss exposure and properly rate the risk 8. The Applicant or listed operator has failed to notify the Insurer within 14 days of any material change (that is within the Insured s knowledge) on the information supplied in the original application for insurance, such as additional drivers, vehicle modifications, or a change in the way the vehicle is used 9. The Applicant refuses to provide a safety certificate or other evidence of mechanical fitness when the safe operation of the vehicle is in question 10. The Applicant or listed operator has been convicted of auto insurance fraud in the preceding 10 years 11. The Applicant or listed operator has permitted someone not authorized by law to drive or allowed an excluded driver to operate a vehicle when excluded under the OPCF 28A, in the preceding 3years 12. The Applicant, regular or frequent operator is not a resident of Ontario 13. All regular or frequent operators do not have valid Ontario Driver s licences 14. The Applicant or listed operator owes outstanding automobile premium to Unica Insurance Inc. 15. The behaviour of the Applicant or listed driver is abusive or threatening to the Insurer or Brokerage staff and the appropriate charge has been made with the police 16. Vehicles with a value in excess of $200, Non-factory vehicle accessories, modifications and customizations (except where approved by the Company through an acceptable current appraisal determining value, if necessary, or under $2,000). Performance related modifications/customizations are not permitted 18. Kit cars and replicas 19. Propane powered vehicles not factory installed or converted professionally 20. Public vehicles and commercial vehicles 21. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 22. A vehicle that has failed a government inspection for roadworthiness ( Safety Standards Certificate ) 23. A vehicle that has been branded as Salvage and the Insured refuses to provide a government inspection Safety Standards Certificate, a copy of the Structural Inspection Certificate and current photographs of the vehicle 24. A vehicle with Comprehensive or Specified Perils only and there is no other vehicle on the policy carrying mandatory coverage 25. A vehicle permanently kept outside the province of Ontario 26. Vehicle(s) indicative of commercial exposure (e.g., containing logos) 27. Vehicle(s) driven by employees, whether or not the vehicle is registered under a Business name 28. A vehicle that is 15 years of age and older and the Insured refuses to provide a current acceptable Ontario Safety Standards Certificate and current photographs of all sides of the vehicle within 10 business days 29. A vehicle that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness. 30. A vehicle that has unrepaired damage affecting the mechanical fitness and safety, where the Insured refuses to provide a Safety Standards Certificate or other evidence of mechanical fitness within 10 business days 31. The vehicle is right hand drive 32. The vehicle was not manufactured for sale or distribution in Canada / USA Renewals: October 1,

14 ELIGIBILITY & RATING RULES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) USE CLASS OF BUSINESS 33. Risks with a USA exposure that cumulatively exceeds a period of 6 months in a year 34. Vehicles rented or leased to others 35. Vehicles used for purposes other than private passenger use such as wholesale & retail deliveries, fast food deliveries, taxis, courtesy cars, vehicles held for sale or used for demonstrating or testing, driver training vehicles, funeral vehicles, emergency vehicles and vehicles used to carry tools, materials and any other artisan s equipment 36. The vehicle is used for racing, timed road or speed tests, on a track or closed course of any kind, or is taken off-road 37. Motorcycles, mopeds, scooters, dirt-bikes, personal transporters and any other 2-wheeled or 3-wheeled motorized vehicles RULES FOR TERMINATING A CONTRACT ARE: VEHICLE INSPECTIONS 38. If the policy has been in effect for 60 days or less, and either the company has not received a vehicle inspection report within 30 days from the date requested or the insured notifies the company that a vehicle inspection report will not be provided Renewals: October 1,

15 ELIGIBILITY & RATING RULES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR 5 OR MORE YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 39. A risk with 2 chargeable accidents in the preceding 6 years Accept 40. A risk with 3 or more chargeable accidents in the preceding 6 years 41. A risk with 1 chargeable accident in the preceding 6 years and 3 Minor convictions in the preceding 3 years 42. A risk with 2 chargeable accidents in the preceding 6 years and 2 Minor convictions in the preceding 3 years 43. A risk with 1 or more Serious convictions in the preceding 3 years 44. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 45. A risk with 5 or more Minor convictions in the preceding 3 years 46. Any operator with 3 or more Minor convictions in the preceding 3 years 47. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 48. A risk with 1 chargeable accident in the preceding 6 years and 2 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years 49. A risk with 1 chargeable accident in the preceding 6 years, and 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years 50. A risk with 3 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR LESS THAN 5 YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 51. A risk with 1 chargeable accident in the preceding 6 years Accept 52. A risk with 2 or more chargeable accidents in the preceding 6 years 53. A risk with 1 or more Serious convictions in the preceding 3 years 54. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 55. A risk with 2 or more Minor convictions in the preceding 3 years 56. A risk with 1 chargeable accident and 1 cancellation for non-payment of premium in the preceding 3 years 57. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 58. A risk with 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years Note: Regardless of the percentage of chargeability assigned to an incident, all Chargeable Accidents, except for Minor Accidents, are used to determine eligibility for Unica. Renewals: October 1,

16 ELIGIBILITY & RATING RULES RISKS INELIGIBLE FOR SECTION 7 LOSS OR DAMAGE COVERAGES: 59. Collision or All Perils coverage will not be offered to vehicles which do not carry mandatory coverage 60. All Perils, Collision, Comprehensive and / or Specified Perils coverages will not be offered mid-term without an acceptable vehicle inspection that shows the vehicle has no pre-existing damage 61. Any vehicle with unrepaired damage, including vehicles where a cash settlement was taken and the vehicle has not been repaired 62. Any vehicle involved in a total loss where the Insured has retained the Salvage 63. Any vehicle that has been assigned a Rebuilt status. (Please refer to the additional requirements located under the General Information section) 64. Vehicles imported to/purchased outside of Canada without an acceptable current appraisal and Safety Standards Certificate 65. Any vehicle where an OPCF 19 (Limiting Amount Paid for Loss or Damage Coverage), has been requested and the Named Insured has failed to supply a signed copy RISKS INELIGIBLE FOR ALL PERILS, COMPREHENSIVE, AND SPECIFIED PERILS COVERAGE 66. Any vehicle where an OPCF 40 (Fire Deductible) or an OPCF 13C (Restricting Glass Coverage) has been applied/requested and the Named Insured has failed to supply a signed copy Renewals: October 1,

17 ELIGIBILITY & RATING RULES *MINIMUM DEDUCTIBLE TABLE & COVERAGE LIMITATIONS Vehicle Values Vehicle Value $ Collision/All Perils Comprehensive Specified Perils 0-29,000 Min $300 Min $300 Min $300 29,001-70,000 Min $500 Min $300 Min $300 70, ,000 Min $1,000 Min $1,000 Min $1, , ,000 Min $5,000 Min $5,000 Min $5,000 Over 200,000 DECLINE Years Licensed in Canada / USA Years Collision/All Perils Comprehensive Specified Perils 0, 1, 2, 3 Min $1,000 Min $500 Min $500 Claims Frequency # of claims per vehicle Collision/All Perils Comprehensive Specified Perils 3 Non-Chargeable Collision claims in the preceding 6 years 3 Non-Chargeable Collision claims in the preceding 3 years 3 Comprehensive claims in the preceding 6 years (other than glass claims) 2 or more glass claims in the preceding 3 years 2 Chargeable Collision claims in the preceding 6 years (Applicable to renewals if the Principal Operator has been licensed 5 years or more) 2 nd Vandalism and / or Theft of vehicle and / or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) Min $5,000 N/A N/A Coverage N/A N/A All Perils Coverage Coverage Coverage N/A Apply OPCF 13C N/A Min $2,500 N/A N/A All Perils Coverage Coverage Coverage Renewals: October 1,

18 ELIGIBILITY & RATING RULES PROPANE VEHICLES We will accept a propane-fuelled vehicle provided it was factory converted. The vehicle must also be equipped with a Stop Fill Valve, which has been professionally installed (CSA/ULC approved). This valve restricts the amount of fuel to 80% of tank capacity, allowing 20% for fuel expansion. Vehicles which have been converted from gas to propane, other than factory conversions, will not be accepted. VEHICLE MODIFICATIONS We will insure vehicles which contain modifications to accommodate a disability or for wheelchair accessibility. Values for such modifications must be included in the vehicles Rate Group. Please use the vehicle modifications table to identify the appropriate Rate Group. Proof of such values will be required either by providing a detailed invoice listing all the modifications (if they were factory installed), or a professional appraisal (for modifications installed after-market ). The application of an OPCF 19 will be required on such risks. We will not insure any vehicle containing modifications that relate to the engineering or the performance features of the vehicle such as oversized engines, turbo or superchargers, raised or lowered suspension, installation of roll bars, nitrous oxide, hydraulics, special effect lighting, etc. Panel or van type vehicles fitted with sleeping or cooking facilities will not be insured as a private passenger vehicle type. This type of vehicle would have to be insured as a miscellaneous vehicle, applying Motorhome criteria and rates. Such risks will require an appraisal to establish the vehicle(s) value. An OPCF 19 will be required on such risks. Other types of modifications such as elaborate and expensive interior furnishings, exterior paint, glass and body changes and installation of additional equipment exceeding $2,000 in value will be reviewed with Underwriter on a per risk basis. Risks may require a vehicle appraisal to establish values to be insured. An OPCF 19 will have to be applied to such risks. CUSTOM / REPLICA / KIT CARS We will not insure any custom, replica, or kit cars. These types of vehicles fall within a unique category, which will require a specialty market carrier. A customized vehicle or altered vehicle is one, which has been changed from the original factory design. These changes will create a one of a kind vehicle. The changes increase the cost to repair or replace the vehicle over a factory-produced model. A kit car is a vehicle purchased in parts which must be individually assembled. Again this type of vehicle is unique. Confirmation of values and establishment of value is impossible in these types of vehicles. Replicas are vehicles which are reproductions. They are assembled or produced one at a time to emulate or duplicate a make no longer manufactured or available. Renewals: October 1,

19 ELIGIBILITY & RATING RULES VEHICLES PURCHASED OUTSIDE CANADA Vehicles manufactured/imported from outside Canada are not insurable unless the appropriate documentation is provided (e.g., a vehicle purchased in USA and shipped to Canada). We will insure these vehicles provided the following is submitted: Safety Certificate (must be current within the last 90 days) A recent appraisal (within the last 12 months) Current photographs of the vehicle Copy of registration Bill of sale APPRAISALS Appraisals will be required under the following circumstances: For vehicle(s) rated under our Collector Car Automobile program Vehicle(s) requiring optional coverage(s), where the vehicle is 15 years of age and older Vehicle(s) imported to/purchased outside of Canada Non-factory vehicle modifications and accessories, which increase the value of the vehicle The following information must be included for an appraisal to be considered acceptable: For New Business the appraisal(s) must have been performed within the last 12 months and for Renewals an updated appraisal will be required every 5 years Appraisal(s) must be performed in Canada by a qualified vehicle appraiser (Ministry of Finance Tax Evaluation Forms are not acceptable) Values are stated in Canadian currency Applicable taxes have been included in the vehicle value Must provide current photographs of the interior and exterior of the vehicle Unica reserves the right to determine appraisal acceptability. Appraisals must be multipaged and text based (no check boxes) VEHICLE INSPECTIONS Vehicle inspections may be required for the following: Vehicles that have unrepaired damage Vehicles that may have unacceptable modifications Vehicles that were previously used for commercial purposes or that are commercially plated SAFETY STANDARDS CERTIFICATES A valid Safety Standards Certificate is one that has been completed within the last 60 days by a certified mechanic. Safety Standards Certificates will be required under the following circumstances: Where the Insured chose a cash settlement rather than repairing the vehicle, or where there is unrepaired damage from a prior loss affecting the mechanical fitness and safety of the vehicle Where a vehicle has been branded Salvage or Rebuilt by the Ministry of Transportation Vehicle(s) which are determined to be a total loss and the Insured retains the salvage Vehicle(s) 15 years of age and older must have current photographs of all sides of the vehicle accompanying the safety certificate Vehicle(s) imported to/purchased outside of Canada Renewals: October 1,

20 ELIGIBILITY & RATING RULES LETTERS OF EXPERIENCE & DRIVER S ABSTRACT Letters of Experience from insurers within Canada and the USA will be acceptable as proof of claims free experience. For drivers from Canadian Provinces other than Ontario, or from the USA, as New Business, we will recognize and credit the Insured with their current Years Licensed in Canada / USA and Years Accident Free, provided that an acceptable Letter of Experience has been received by the Company. A Letter of Experience must be submitted as proof of prior insurance and claims free status. The following information must be included: All listed operators Prior claims within the preceding 6 years Driving Record Dates the policy was in force Previous Carrier and Policy # Current status/reason policy was cancelled The Letter of Experience must be provided by the insurance company, submitted on company letterhead and signed by an authorized representative. The Broker will be required to see the original document and must retain a copy for their records. In addition to a Letter of Experience, an individual residing in Ontario less than 3 years ( new resident ) coming from the United States or from another province or territory in Canada will be required to submit a Driver s Abstract detailing their licence & conviction history for the preceding 3 years. DRIVER S TRAINING QUALIFICATION A certificate signed by a responsible official is required, certifying that the driver has successfully completed a driver education course conducted by certified instructors, provided: The course was composed of a minimum of 25 hours of classroom instruction plus 6 hours behind the wheel of a dual equipped automobile with automatic transmission, or 8 hours for those with standard transmission; The course has the approval of the Provincial Department of Education or other Government Department having jurisdiction, or any Driving School Association approved by the provincial government. A licensed driver who qualifies as above may be eligible for the Driver s Training Certificate Discount. See Discounts & Surcharges section for eligibility guidelines. DRIVING EXPERIENCE Drivers new to Canada / USA will be rated at 0 Years Licensed in Canada / USA. Every subsequent year on Renewal, the rating will progress by 1 up to a maximum of 20+ Years Licensed. USA EXPOSURE A risk with a USA exposure longer than 1 month represents an additional risk. Currently, there is no surcharge for USA exposure. Unica will not provide insurance for vehicles with a USA exposure that cumulatively exceeds a period of 6 months in a year. All risks with USA exposure must be referred to Unica before binding. Renewals: October 1,

21 ELIGIBILITY & RATING RULES BUSINESS USE Business Use is limited to Private Passenger type vehicles (see definition in General Information section) and does not include Private Passenger Automobiles used for any retail or wholesale delivery (e.g., newspapers, courier, food, mail, drug store delivery, etc.) or for carrying passengers for compensation (taxi, school bus, driver training school, etc.). Where there is no commercial exposure, but the vehicle is registered in a business name, it will be rated Business Use. The Insured must provide full details including licence numbers for all the owners of the business. This will allow us to obtain all the necessary information to properly review the risk exposure and rate the policy accordingly. In addition to the above, Unica s Personal Lines Department will not insure vehicles with logos, or vehicles driven by an Insured s employee(s). This type of risk can be referred to our Commercial Lines Department. Risks where employees drive the vehicle(s) are not to be insured under a Personal Lines policy regardless of whether the vehicles are registered under a business name or not. Such risks must be referred to our Commercial Lines department. Business Use risks will be rated as follows: Business Use - vehicle is driven 5,001km or more per year for business use Renewals: October 1,

22 ELIGIBILITY & RATING RULES CONVICTIONS The list below is not exhaustive and it will be referenced to evaluate similar types of convictions. Serious Convictions Include convictions for any of the following offences under the Criminal Code of Canada or under an Act governing Highway Traffic or under any other Act or for any offence substantially the same whether committed within or outside Canada or any conviction which appears on a Driver Record abstract identified as a Criminal Code conviction: Careless driving Class G1/G2/M1/M2 fail/refuse breath sample Class G1/G2/M1/M2 drive with alcohol in blood Criminal negligence committed in the operation or use of a motor vehicle Manslaughter committed in the operation or use of a motor vehicle Dangerous driving Driving without due care and attention Driving without an interlock device where its installation is a requirement for licence reinstatement Driving while disqualified/prohibited/licence under suspension Failure or refusal to submit to a breath or blood test Failure to pass a breath or blood test Failure to stop/remain at, or return to the scene of an accident Failure to stop for a police officer, resulting in a suspension of licence for a period in excess of 2 weeks Impaired driving Racing Speeding 50 km/h or more in excess of the posted limit Operate motor vehicle no insurance CAIA Note: Any risk containing any of the above listed or similar convictions considered to be Serious will result in the risk not qualifying for Unica. Major Convictions Convictions for any of the following offences under any Act governing Highway Traffic or under the Compulsory Automobile Insurance Act (CAIA) or for any offence substantially the same which has been committed within or outside Canada: Fail to render all possible assistance Failing to report an accident Failing, in the event of an accident, to give name and licence number to the police or any other person entitled to such information Fail to obey school crossing stop sign Improper passing of a school bus Improper passing/speeding in a school or playground zone Fail to report damage to highway property Produce false evidence CAIA False statement re insurance MVACA Produced false insurance MVACA Make false statement CAIA Stunting Permit unlicensed driver to drive Renewals: October 1,

23 ELIGIBILITY & RATING RULES Ontario Graduated Licence Convictions: Permit novice driver to drive in contravention of licensing condition Class G1 accompanying driver-fails or refuses to provide a breath or blood test Class G1 accompanying driver has excess blood alcohol Class G1 driver unaccompanied by a qualified driver Class G1 drive with front seat passenger Class G1/G2 drive with excess passengers Class G1 drive on prohibited highway Class G1/M1 drive at unlawful hour Class M1 Drive motorcycle with passenger Class M1 drive motorcycle on prohibited highway Note: Any risk containing any of the above listed or similar convictions considered to be Major will result in the risk not qualifying for Unica. Minor Convictions Convictions for any moving traffic offence (offences related to the operation of a vehicle), other than those listed as Serious or Major, under an Act governing Highway Traffic or Compulsory Automobile Insurance Act (CAIA) or for any offence substantially the same which has been committed within or outside Canada. Fail or refuse to surrender licence CAIA Fail to produce evidence of insurance CAIA Fail to carry insurance card CAIA Fail to carry evidence of insurance CAIA Fail to have insurance card CAIA Fail to disclose particulars CAIA Fail to notify police Fail to make written report Fail to report damage to highway property Fail to lower headlight beam any type Failure to secure toddler in seat harness Fail to stop for emergency vehicle Fail to share road any type Improper drive any type Backing up unsafe/illegal/improper any type Brakes none/inadequate/improper any type Crowding driver s seat Door opening illegal/obstructing traffic any type Emergency vehicle operating with no regard for safety Drive or operate vehicle on a closed highway Drive or operate vehicle while using cell phone or other hand-held electronic device Driving imprudently Driving off roadway (including shoulder/sidewalk/median) any type Flagman disobeying Following too closely (including tailgating) Headlights/parking lights improper/lack of use any type Lack of control of vehicle any type Motor-assisted bicycle carrying passengers Motorcycle operating with only an instruction permit Motorcycle failure to wear helmet Overload in excess of permit Renewals: October 1,

24 ELIGIBILITY & RATING RULES Passing infraction any type except school bus or school/playground zone Pedestrian crossing violation any type Radar warning device in motor vehicle if illegal in province/territory Railway crossing any type Safety zone violation any type Seatbelt any offence Signalling offences any type Slow driving endangering others any type Smokescreen device on vehicle Speeding any type, except when listed as major or serious Speed measuring warning device in vehicle Squealing tires Stopping illegal/improper any type Tires defective/worn any type Towing prohibited/unsafe any type Traffic signals/regulating lights any type Traffic signs disobeying any legal sign except parking regulations Trailer improper attachments/improper towing Turns illegal/improper any type Unlicensed driver any type including improper licence class Unsafe move any type Unsafe vehicle any type Violation of Class G1/G2/M1/M2 licence condition Wrong side of road/wrong way any type Yield, failing to any type including failing to yield to a public bus Note: Any risk containing any of the above listed or similar convictions considered to be Minor will be subject to the Eligibility and Rating Rules of Unica. Renewals: October 1,

25 ELIGIBILITY & RATING RULES RATING STRUCTURE Unica s rating structure for assigned operators is based on: Years Accident Free Years Licensed in Canada / USA Years Vehicle Owned or Leased Age of Principal Operator Gender of Operator Commuting distance Annual mileage Use of vehicle - Pleasure or Business Type / Assignment of Operator (Principal, Occasional Male Operator Under 25 Years of Age, Occasional Female Operator Under 25 Years of Age) Age of Vehicle VICC Rate Group or appropriate Rate Group based on vehicle value Territory in which the vehicle is garaged Convictions are accounted for by the applicable Conviction Free Discount or Convictions Surcharge. The discounts and surcharges pertaining to convictions are detailed in the Discounts & Surcharges section. MID-TERM RE-RATING No mid term re-rating for: Driver age changes during the policy term, Rating progression (e.g., a conviction expires during the policy term, a claim becomes a year older or the Insured has an additional year licensed in Canada / USA) will be authorized. Such changes will only be reflected once the term expires and a Renewal is offered. Exceptions to this guideline: When the Insured has a change in licence class from G1 to G2 or G2 to G class. Note: Backdating credits will not be permitted beyond 30 days, unless a Company error has occurred. Renewals: October 1,

26 ELIGIBILITY & RATING RULES RATING INFORMATION YEARS LICENSED IN CANADA / USA QUALIFICATION Years Licensed in Canada / USA is based on the number of full continuous years that the driver assigned as Principal Operator to the automobile has held a valid operator s licence for the type of vehicle concerned. A valid licence includes a licence in another jurisdiction within Canada or the USA. Years Licensed in Canada / USA is calculated based on the actual date first licensed in Canada or the USA (except for those drivers who have had a rateable lapse due to a licence suspension). For rating purposes, the range of Years Licensed in Canada / USA is 0 to 20+. YEARS ACCIDENT FREE QUALIFICATION Years Accident Free is based on the number of full years all drivers assigned to the automobile have been chargeable accident free as evidenced by insurance history or an acceptable Letter of Experience. For rating purposes, the range of Years Accident Free is 0 to 10. Newly licensed drivers will be given 10 Years Accident Free rating, as they have not incurred a chargeable accident. The Years Accident Free rating will drop in the event: The driver has a chargeable accident, The driver has a rateable lapse in Driver s licence for 90 days or more due to driving convictions or an accumulation of Demerit points (this will yield a rating of 0 Years Accident Free), The Applicant is not able to provide the name of the insurance company, policy number and expiry date of their most recent automobile insurance (either for a Named Insured or a listed driver). This will result in a rating of 0 Years Accident Free. Every subsequent year on Renewal, the rating will progress by 1 up to a maximum of 10. Note: Each vehicle s rating is established separately and independently considering assigned operators and claims. Years Accident Free, Years Licensed in Canada / USA and Convictions are separate rating factors. For the purpose of determining rating, the Occasional operator under 25 years of age will be regarded as a separate vehicle. YEARS VEHICLE OWNED/LEASED Years Vehicle Owned / Leased is based on the number of years since the purchase or lease date of the vehicle described on the policy. If the vehicle has been transferred to the insured from an immediate family member, we will honour the consecutive number of years that the vehicle was owned or leased by an immediate family member. Immediate family members are limited to parents, siblings, and grandparents. Renewals: October 1,

27 ELIGIBILITY & RATING RULES DRIVERS NEW TO CANADA / USA Where the Years Licensed have been acquired outside of Canada or the USA, drivers will be considered newly licensed in Canada and their Years Licensed in Canada / USA rating will be based on the date they were actually first licensed in Canada or the USA (rather than the Date First Licensed shown on the Motor Vehicle Record). Drivers new to Canada / USA will be rated at 0 Years Licensed in Canada / USA. Every subsequent year on Renewal, the rating will progress by 1 up to a maximum of 20+. Scenario New Business Years Licensed Years Accident Free Renewal after 12 Months (assume no Chargeable Accidents) Years Licensed Years Accident Free Ongoing Newly Lic d Driver in Canada or USA (e.g.: 17-yr-old with G2) Driver from outside of Canada & USA, - brand new to Canada (40 yrs old with G) Driver from the USA or a province/ territory in Canada other than Ontario, without a Letter of Experience or an Autoplus report Driver from the USA or a province / territory in Canada other than Ontario, with a Letter of Experience or an Autoplus report Driver with 2 yrs licensed in Canada or the USA, but no verifiable insurance history at all (28-yr-old with G) Driver with 2 yrs licensed in Canada or the USA & verifiable insurance history for one day or more (35-yr-old with G2) Driver with licence suspension of 90 days or more due to impaired driving conviction, and lapse in insurance coverage 30 days or more. Licence was reinstated a year ago, insurance coverage resumed one month ago (42-yrold with G) (as earned) 0 20 (as earned) (as earned) 1 20 (as earned) Providing the assigned drivers remain chargeable accident free: the Years Licensed in Canada & USA will progress by 1 annually up to 20+, and the Years Accident Free will progress by 1 annually up to 6 Renewals: October 1,

28 ELIGIBILITY & RATING RULES GRADUATED LICENSING SYSTEM YRS LICENSED CLASS OF LICENCE YEARS LICENSED IN CANADA / USA 0 (NEW) G1 Not rated unless PO of a vehicle 0 (NEW) G2 0 1 G2 1 2 G2/G 2 3 G2/G 3 4 G2/G 4 G1 licensed drivers are not rated or charged under the terms of this manual, as they are restricted on vehicle usage, and are considered in training. An exception to this rule would be when the G1 operator is considered to be the only licensed operator in the household. This type of risk would qualify for 0 Years Licensed in Canada / USA. Once the driver has qualified for a G2 licence, he/she will be required to be listed as a driver in the household. The Years Licensed in Canada / USA assigned to such an operator would be 0. On Renewal, drivers will progress through the Years Licensed in Canada / USA in accordance with the Years Licensed in Canada / USA criteria, every additional year thereafter. Drivers who have completed a government approved Driver s Training course may be eligible for the Driver s Training Certificate Discount. See Discounts & Surcharges section for eligibility guidelines. LAPSE IN INSURANCE COVERAGE A rateable lapse of insurance coverage for 30 days or more is a lapse that resulted directly or indirectly from: The termination of a policy of automobile insurance as a result of the insured person's failure to pay the premiums due under the policy, or The suspension of the insured person's driver's licence as a result of a conviction for an offence related to the use or operation of an automobile, or An accident or a conviction for an offence related to the use or operation of an automobile, if the insured person did not inform the insurer of the accident or conviction and the accident or conviction would likely have led to the insured person being charge a higher premium, or The insured person operated a motor vehicle or caused or permitted the motor vehicle to be operated without insurance during the lapse in coverage. A lapse due to either of the above will result in the application of a Lapse Of Insurance Surcharge as detailed in the Discounts & Surcharges section. LAPSE IN DRIVER S LICENCE The lapse in insurance coverage resulted from the suspension or lapse of an operator s licence as a result of a driving conviction or an accumulation of Demerit points. A lapse in driver s licence for 90 days or more will result in a maximum 0 Years Licensed in Canada / USA and 0 Years Accident Free being offered on the policy. Renewals: October 1,

29 ELIGIBILITY & RATING RULES Unica will not penalize for suspensions classified as Administrative, such as suspensions for unpaid fines, unpaid child support and medical reasons. Once coverage is resumed, the Years Licensed in Canada / USA and Years Accident Free will be established by the length of time since both the licence was reinstated and insurance coverage is resumed. Example: The Insured reinstated their licence a month ago; YF would assign 0 Years Licensed in Canada / USA and 0 Years Accident Free. Upon Renewal the Insured has had both their licence reinstated for 12 months and insurance coverage resumed for 12 months; the risk would qualify for 1 Years Licensed in Canada / USA, provided the Years Licensed in Canada / USA eligibility criteria has been met. The Insured would also qualify for 1 Year Accident Free, assuming no chargeable accidents were incurred in the preceding 12 months. If the Insured had only had his/her coverage resumed for 6 months but had his/her licence reinstated for 12 months, they would qualify for 0 Years Licensed in Canada / USA and 0 Years Accident Free. Insurance coverage must resume for a full 12 months in order for the risk to qualify for 1 Years Licensed in Canada / USA and 1 Year Accident Free. If the Insured has had his/her licence reinstated for 3 years but insurance coverage has not resumed, they would qualify for 0 Years Licensed in Canada / USA and 0 Years Accident Free. Upon Renewal they would qualify for 1 Years Licensed in Canada / USA provided the coverage was reinstated for 12 months and the Insured meets the Years Licensed in Canada / USA eligibility criteria. The Insured would also qualify for 1 Year Accident Free, assuming no chargeable accidents were incurred in the preceding 12 months. LIABILITY LIMITS All Private Passenger and Miscellaneous Vehicles owned or leased by the Named Insured or spouse must carry the identical Liability limit Renewals: October 1,

30 ELIGIBILITY & RATING RULES ACCIDENT RATING ON RENEWAL Renewal Years Accident Free revision after chargeable accidents with and without the Accident Protection Endorsement (APE): 1 st Chargeable Accident 2 nd Chargeable Accident 2 Chargeable Accidents within the preceding 6 years (more than 3 years apart) Current Years Years Accident Free Years Accident Free Accident Free without APE with APE Years Accident Free N/A N/A N/A N/A 2 0 N/A N/A 1 0 N/A N/A 0 0 N/A N/A Accident Rating Notes: 1. With the exception of the first Minor Accident, all At-Fault accidents, whether chargeable or nonchargeable are considered when establishing policy Renewal. However, if a second Minor accident occurs within the three-year time period following the first Minor Accident, the second Minor Accident will be rated and considered when determining eligibility. 2. All convictions are considered when establishing policy Renewal eligibility. 3. A chargeable accident will be rated against the operator who was operating the motor vehicle at the time of loss. If the operator is a secondary/additional operator of the vehicle the chargeable accident will affect the Principal operator s rating (other than Occasional operator under 25 years of age). 4. Where the operator is assigned to more than one automobile, the accident will only affect the rating of the automobile involved in the accident or its substitute. 5. When an Occasional operator under 25 years of age is involved in a chargeable claim, such claim will be charged against the Occasional operator under 25 years of age. 6. If the operator responsible for the accident is deleted from the policy the accident will continue to apply to the vehicle which had the accident or its substitute. If the deleted operator can provide proof that he/she is rated for this accident under another policy, or if the driver is excluded by OPCF 28A, Unica will not rate the chargeable accident. 7. A chargeable accident of a deceased operator will not be rated against any other operator. Renewals: October 1,

31 ELIGIBILITY & RATING RULES UNDERAGE OCCASIONAL OPERATORS Where there are male or female Occasional Operators under the age of 25, the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age applies. Single Occasional Underage Male or Female Operator with Single Automobile Apply the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age. Example: One vehicle with Mom, Dad and an underage Son or Daughter. Rating: Vehicle # 1 PO Dad: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Secondary Mom: (Secondary Operator not rated) Occasional Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age. Single Occasional Underage Male or Female Operator with two Automobiles Where there is one Occasional Male or Female Operator under age 25, the operator will be charged for on the highest rated automobile. Example: Two vehicles with Mom, Dad and an underage Son or underage Daughter. Rating: Vehicle # 1 (higher rated vehicle) PO Dad: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Occasional Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age. Vehicle # 2 PO Mom: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, & Age of Principal Operator, etc. Two Occasional Underage Operators (Male and/or Female) with Single Automobile Where there is more than one Occasional Male or Female Operator under age 25, the highest rated driver will be charged. Example: One vehicle with Mom and two underage operators (two males, two females or a male and a female) Rating: Vehicle # 1 PO Mom: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, & Age of Principal Operator, etc. Renewals: October 1,

32 ELIGIBILITY & RATING RULES Occasional: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & apply the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age for the operator who develops the higher premium Multiple Occasional Underage Male and Occasional Underage Female Operator(s) with Multiple Automobiles Where there are multiple automobiles in the household, the number of Occasional Underage Male and Occasional Underage Female Operator charges should equal the lesser of: the number of automobiles or the number of such underage operators The premiums charged would be the highest Occasional Underage Male and/or Female Operator rates developed from their rating factors. Where there are multiple operators, including occasional underage operators, and the vehicles are equal to the number of operators: Each operator must be assigned as a Principal Operator of a vehicle. We will not allow the same operator to be assigned as Principal Operator to multiple vehicles when there are other operators present. Example # 1: Mom, Dad, two occasional underage operators and four vehicles all carrying road coverage. Each vehicle must have a different Principal Operator. Each occasional underage operator would be assigned as a Principal Operator to one of the vehicles. Example # 2: Mom, Dad, two occasional underage operators and three vehicles all carrying road coverage. Mom and Dad will each be assigned as Principal Operator of 2 different vehicles and the remaining vehicle will be rated with an underage operator assigned as Principal Operator. The remaining occasional underage operator will be assigned to the highest rated vehicle with a parent assigned as Principal Operator, and will generate an Occasional Underage Male or Female Operator premium charge. Example # 3: Three vehicles, with two carrying road coverages and one with Comprehensive only for the winter season, with Mom, Dad, two underage Sons and two underage Daughters. Rating: 3 rd Vehicle - Comprehensive only Vehicle # 1 (highest rated vehicle) PO Dad: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Occasional Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age for the operator who develops the higher premium. Vehicle # 2 PO Mom: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Renewals: October 1,

33 ELIGIBILITY & RATING RULES Occasional 2 nd Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age for the operator who develops the higher premium from among the remaining occasional underage operators. Vehicle # 3 (Comp. only) PO None 3 rd Vehicle - Road cover added One underage operator will be assigned as Principal Operator Vehicle # 1 (highest rated vehicle) PO Dad: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Occasional Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age, for the operator who develops the higher premium from among the remaining occasional underage operators. Vehicle # 2 PO Mom: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Occasional Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions, etc., & the Type of Operator rate factor for Occasional Male Operator Under 25 Years of Age or Occasional Female Operator Under 25 Years of Age, for the operator who generates the next higher premium from among the remaining occasional underage operators. Vehicle # 3 (with road coverages) PO Underage Son or Daughter: rate by Years Licensed in Canada / USA, Years Accident Free, Convictions & Age of Principal Operator, etc. Renewals: October 1,

34 ELIGIBILITY & RATING RULES RATE FACTORS LIABILITY FACTORS LIABILITY LIMIT BI PD OPCF , , , ,000, ,000, DEDUCTIBLE FACTORS DEDUCTIBLE DCPD COLLISION COMPREHENSIVE SPECIFIED PERILS N/A N/A N/A , ,500 N/A ,000 N/A ,500 N/A ,500 N/A ,000 N/A ,000 N/A Renewals: October 1,

35 ELIGIBILITY & RATING RULES SHORT RATE CANCELLATION TABLE % OF TERM EARNED FROM TO CANCELLATION 0% 1% 5% 1% 2% 7% 2% 3% 9% 3% 4% 11% 4% 5% 13% 5% 6% 15% 6% 7% 17% 7% 8% 18% 8% 9% 19% 9% 10% 20% 10% 11% 21% 11% 12% 22% 12% 13% 23% 13% 14% 24% 14% 15% 25% 15% 16% 26% 16% 17% 27% 17% 18% 28% 18% 19% 29% 19% 20% 30% 20% 21% 31% 21% 22% 32% 22% 23% 33% 23% 24% 34% 24% 25% 35% 25% 26% 36% 26% 27% 37% 27% 28% 38% 28% 29% 39% 29% 30% 40% 30% 31% 41% 31% 32% 42% 32% 33% 43% 33% 34% 44% 34% 35% 45% 35% 36% 46% 36% 37% 47% 37% 38% 48% 38% 39% 49% 39% 40% 50% 40% 41% 51% 41% 42% 52% 42% 43% 53% 43% 44% 54% 44% 45% 55% 45% 46% 56% 46% 47% 57% 47% 48% 58% 48% 49% 59% 49% 50% 60% % OF TERM EARNED FROM TO CANCELLATION 50% 51% 61% 51% 52% 62% 52% 53% 63% 53% 54% 64% 54% 55% 64% 55% 56% 65% 56% 57% 66% 57% 58% 67% 58% 59% 68% 59% 60% 69% 60% 61% 69% 61% 62% 70% 62% 63% 71% 63% 64% 72% 64% 65% 72% 65% 66% 73% 66% 67% 74% 67% 68% 75% 68% 69% 76% 69% 70% 76% 70% 71% 77% 71% 72% 78% 72% 73% 79% 73% 74% 79% 74% 75% 80% 75% 76% 81% 76% 77% 82% 77% 78% 83% 78% 79% 83% 79% 80% 84% 80% 81% 85% 81% 82% 86% 82% 83% 87% 83% 84% 87% 84% 85% 88% 85% 86% 89% 86% 87% 90% 87% 88% 91% 88% 89% 91% 89% 90% 92% 90% 91% 93% 91% 92% 94% 92% 93% 95% 93% 94% 95% 94% 95% 96% 95% 96% 97% 96% 97% 98% 97% 98% 99% 98% 99% 99% 99% 100% 100% Renewals: October 1,

36 ENDORSEMENTS DESCRIPTION OPCF 3 - Drive Government Automobiles Protects the Insured against Liability imposed by law as a result of the use, operation, care, custody or control while operating any private passenger automobile owned by the Government of Canada, or any Province thereof. This endorsement extends the Third Party Liability and Section 7 Loss or Damage Coverage from your own private passenger automobile to the Government owned automobile, where the Insured was acting outside of his or her scope of employment and is found to have been negligent. We will pay up to $50,000 (Canadian Funds) per occurrence, subject to policy deductibles. Eligibility Criteria Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). COST $49.00 OPCF 5 - Permission to Rent or Lease Automobiles and Extending Coverage to the Specified Lessee(s) It permits the Insured (Lessor) to rent or lease the described automobile to a specified person (Lessee). The policy is issued jointly, showing the name and address of the Lessor and Lessee. This endorsement is applied to insurance policies covering leased vehicles. It provides the Lessee with the same coverage as if the vehicle were an owned vehicle. Lessor - Leasing Company Lessee - The person/individual(s) listed on the lease agreement. This person/individuals will also be the Named Insured when applying for automobile insurance. Eligibility Criteria The term of the lease must not be less than 2 years. We will require the Lessor & Lessee to provide their full name and mailing address and the Lessee must be the Named Insured. Upon request, the Insured must provide Unica with a copy of the lease agreement when a leased vehicle is over 5 years old. Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). In order to delete the interest of the Lessor a release will be required from the leasing company notifying us that no financial interest exists. No Charge OPCF 6A Permission to Carry Paying Passengers This endorsement provides permission to carry fellow employees, or neighbours for compensation to and from work. It removes one of the limitations under section of the Insured s policy General Exclusion to permit the automobile(s) to be used to carry paying passengers. The following wording is to be inserted on the endorsement: To carry passengers for compensation or hire to and from their employment while and only while the Insured is going to and from his/her employment. An example of such use would be you having an agreement with a co-worker or neighbour that every week he/she will ride along with you on your way to work and in turn the co-worker or neighbour pays a weekly fee. Calculated based on: 10% (TPL, BI, UA, PD, AB, DCPD) New Business: December 10, 2016 Renewals: January 10,

37 ENDORSEMENTS DESCRIPTION OPCF 6A Permission to Carry Paying Passengers (continued) COST This endorsement does not grant permission for your vehicle to be used for taxi purposes or shuttle service purposes. It does not grant authorization for excluded uses under the terms of the automobile contract. Please Note: that permission is automatically granted without additional premium for an Insured who is involved in a cost sharing or reciprocal arrangement with coworkers or neighbours and volunteer drivers. An example of this would be one week your neighbour or co-worker rides in your car and the other week you get a ride in their car, this is considered a reciprocal agreement. The other would be someone volunteering for the Cancer Society to drive patients to their appointments. OPCF 9 Marine Use Excluded (amphibious automobile) This endorsement excludes coverage while the amphibious automobile is used in or upon water or while it is being launched or landed. Eligibility Criteria Must be attached to all All-Terrain Vehicles Signature Required No Charge OPCF 13C - Restricting Glass Coverage It restricts the Comprehensive coverage that you have purchased for loss of or damage to the glass of your automobile. You are covered under Comprehensive section of your policy, only for loss or damage to glass caused by: Fire Theft or attempted theft Vandalism Lightning Windstorm Hail Rising water Earthquake Explosion Riot or civil disturbance Failing or forced landing of aircraft or parts of aircraft, or The stranding, sinking, burning, derailment or collision of any kind of transport in, or upon which, your automobile is being carried on land or water. Eligibility Criteria Signature Required 65% of the Comprehensive premium OPCF 16 - Suspension of Coverage This endorsement suspends coverage for the use or operation of the described automobile until coverage is reinstated and should be used instead of deleting coverage, in order to avoid exposing the Insured to an uninsured accident benefits claim. See Chart New Business: December 10, 2016 Renewals: January 10,

38 ENDORSEMENTS DESCRIPTION OPCF 16 - Suspension of Coverage (continued) With this endorsement, the Insured agrees that the following coverages will be cancelled for the use or operation of the described automobile, a newly acquired automobile and a temporary substitute automobile: Section 3, Liability Coverage Section 4, Accident Benefits Coverage Section 5, Uninsured Automobile Coverage and Section 6, Direct Compensation Property Damage Coverage Section 7, Loss or Damage Coverage (Optional) All Perils (collision portion only) and Collision Coverage The suspension of coverage OPCF 16 will maintain Comprehensive/Specified Perils coverage and a portion of the coverages noted above. For example, accident benefits coverage will continue for all insured persons as pedestrian or while an occupant in another automobile. Eligibility Criteria The period of suspension of coverage must be at least 45 days for a credit to be applied to the insurance policy. The Comprehensive, or Specified Perils, OPCF44, remain in force, if purchased. Signature Required (to be kept at broker s office) Rates: The refunded premium is calculated as the appropriate percentage, as shown below, of the pro-rated premium for the remainder of the term. If the policy expires and is to be renewed during the suspension period, the renewal is issued with the OPCF 16 for the full renewal period. COST COVERAGE SINGLE VEHICLE MULTIPLE VEHICLES Third Party Liability 90% 90% Accident Benefits 50% 90% Uninsured Automobile 90% 90% Direct Compensation Property Damage 90% 90% Section 7 Collision Portion 100% 100% OPCF 17 Reinstatement of Coverage It reinstates the coverages cancelled by the OPCF 16 (Suspension of Coverage). This restores the policy to its former coverage. When coverage is reinstated, the premium charged is the pro-rated premium of the full term premium from which we subtract the refund as described under the OPCF 16. See description New Business: December 10, 2016 Renewals: January 10,

39 ENDORSEMENTS DESCRIPTION OPCF 19 Limiting the Amount Paid for Loss The standard policy insures up to the Actual Cash Value of the automobile. This endorsement limits the amount the insurer will pay for loss or damage under Section 7 of the Insured s policy Loss or Damage Coverages (Optional). It limits the amount payable to the amount specified in the endorsement or the Actual Cash Value, whichever is the lesser. The limit includes taxes and is subject to the policy deductible if applicable. This endorsement is not an agreed value. Vehicles containing this endorsement will be rated by value not by assigned Rate Group. Eligibility Criteria Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). Signature Required COST No Charge OPCF 19A Agreed Value of Automobile The standard policy insures up to the Actual Cash Value of the automobile. With this endorsement, the company agrees to pay the amount stated on the endorsement in the event of a total loss under Section 7 of the Insured s policy Loss or Damage Coverages (Optional). That amount is determined by the appraisal of the vehicle. The limit includes taxes and is subject to the policy deductible if applicable. Vehicles containing this endorsement will be rated by value not by assigned Rate Group. Eligibility Criteria Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). This endorsement is only applicable to vehicles on the Collector Car Program. An acceptable appraisal no more than 36 months old (for vehicles over $50,000, the appraisal cannot be more than 12 months old) from a credible Ontario appraiser is required. The vehicle value must be agreed to by the Company. A copy of the vehicle ownership is required. A signed Restricted Usage Declaration is required. No Charge OPCF 20 - Coverage for Transportation Replacement It provides coverage to the Insured when they are required to pay for other means of transportation because of loss or damage to the Insured s automobile caused by a peril insured under the policy. For instance the Insured may choose to rent a car or hire a taxi while the insured vehicle is being repaired due to an insured loss. There are three limits available: Limit of $ 1,000 Limit of $ 1,200 Limit of $ 1,500 The applicable deductible that will apply will follow from the primary vehicle to which this endorsement is attached. $ $ $ New Business: December 10, 2016 Renewals: January 10,

40 ENDORSEMENTS DESCRIPTION OPCF 20 - Coverage for Transportation Replacement (continued) Eligibility Criteria Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). COST OPCF 23A - Lienholder Protection This endorsement is applied to policies containing vehicles with a lien. This protects the Lienholder s interest in an automobile if the Insured has a claim for a loss covered under Section 6 Direct Compensation-Property Damage and Section 7 of the policy, Loss or Damage Coverage. During a claim settlement if a cash payment is made on an automobile containing this endorsement the payment will be made jointly to the Insured and the lienholder. Eligibility Criteria Must carry Section 7 Loss or Damage Coverage Damage Coverage (Collision & Comprehensive/Specified Perils or All Perils). If Section 7 Loss or Damage Coverage is requested to be reduced or deleted Unica must receive written notice from the Lienholder giving authorization for the Named Insured to request such reduction or deletion. To remove we will require evidence that the Lienholder no longer has financial interest in the vehicle. A release of interest will be acceptable. No Charge OPCF 27 - Liability for Damage to Non-Owned Automobile(s) and Providing Other Coverages When Insured Persons Drive Other Automobiles Extends Section 7 Loss or Damage Coverage to non-owned automobiles for loss or damage resulting from the care, custody or control of that non-owned automobile by the Named Insured, spouse and listed operators. Coverage will be provided up to a maximum of 45 consecutive days. We will pay under the standard coverage up to $45,000 (Canadian Funds) per occurrence, subject to policy deductibles. Additional coverage up to $50,000 may be purchased at the cost of $1.00 /1,000. This endorsement pertains only to private passenger automobiles. Eligibility Criteria All listed operators under the policy must be named on the endorsement. Must carry Section 7 Loss or Damage Coverage (Collision & Comprehensive / Specified Perils or All Perils). $45.00 OPCF 28A - Excluded Driver This endorsement deletes all coverage under the policy except for some Accident Benefits, while the person named in the policy change form is operating the vehicle(s) listed in the form, including any temporary substitute automobile and any newly acquired automobile. No Charge New Business: December 10, 2016 Renewals: January 10,

41 ENDORSEMENTS DESCRIPTION OPCF 28A - Excluded Driver (continued) Eligibility Criteria The Named Insured can request to add this endorsement to their policy to exclude a specified person from operating the insured vehicle(s). Signed Endorsement must accompany application submission or endorsement request; otherwise risk will be declined based on our filed guidelines. Must be signed by the Named Insured and the Excluded Driver. COST OPCF 32 - Use of Recreational Vehicles by Unlicensed Operators This endorsement provides coverage when any person who does not have a driver s licence or is not authorized by law to drive, to operate certain recreational vehicles off Public Highways. Eligibility Criteria Must be attached to all policies containing Snowmobiles and/or All-Terrain Vehicles. No Charge OPCF 38 - Agreed Limit for Automobile Electronic Accessories and Equipment This endorsement limits the amount that will be recovered in the event of an insurable loss to agreed amounts for electronic accessories and equipment, other than factory installed equipment. This change form protects the Insured when the value of the electronic equipment installed in their automobile is in excess of the automatic coverage provided under the OAP1. Eligibility Criteria A full description of the equipment including the year(s), make(s), model(s), serial numbers and values must be provided. The vehicle must have full Section 7 Loss or Damage coverage The vehicle is never entered in shows or competitions The vehicle contains a maximum of 1 aftermarket subwoofer The value of the electronic accessories and equipment represents less than 25% of the total vehicle value Signature Required Value of $1,501 to $3,500=$50.00 Value of $3,501 to $5,000=$90.00 OPCF 40 - Fire Deductible The purpose of this endorsement is to allow the automobile to be subject to a deductible in the event of a total loss caused by fire. Eligibility Criteria Must carry All Perils or Comprehensive coverage in order for this endorsement to be applicable. Added to policies where the Insured s claims history discloses previous fire claim(s) and/or high claim payouts. Signature Required No Charge New Business: December 10, 2016 Renewals: January 10,

42 ENDORSEMENTS DESCRIPTION OPCF 43 Removing Depreciation Deduction OPCF 43A Removing Depreciation Deduction for Specified Lessee(s) This endorsement waives the cost of depreciation (except to tires and batteries), if the damaged vehicle is repaired or replaced due to an insured loss. For Private Passenger Automobile, the 24 and 60 months durations are available. For Snowmobile, only the 24 months is offered. The coverage is in force for the first 24 months or 60 months (as per the selected duration) from the date the vehicle is delivered to its original Owner/Lessee. Also if the Endorsement ends mid-term, the coverage will continue up to the policy expiry date. Eligibility Criteria: The Insured is the original Owner/Lessee. A demonstrator not exceeding 10,000 km is eligible if purchased from a dealership. Request for addition must be made within 90 days of the delivery date of the vehicle. If coverage is requested beyond 90 days, Unica will require proof of coverage with the previous carrier. Copies of the prior policy (if applicable) and the bill of sale or the lease agreement will need to be kept at the broker office. However, in the event of a claim, Unica will require these documents to confirm eligibility. The vehicle must carry full coverage (Third Party Liability, All Perils, or Collision and Comprehensive/Specified Perils) including during the storage season, where the OPCF 16/17 must be used to avoid lapse of coverage (please refer to OPCF 16 /17 for more information). The purchase price or the value of the automobile indicated on the lease agreement does not exceed $100,000 including accessories and taxes. Ineligible Performance snowmobiles. There has been a theft or attempted theft loss in the past 3 years. Rating for Private Passenger Automobile 24 months: Vehicle Rate Group (Collision) Year 1 Year 2 Vehicle Rate Group (Collision) Year 1 60 months: Year Year 2 3 Year 4 Year Notes: - The delivery date of the vehicle is used to determine the year for rating. - When coverage is added mid-term, the premium will be a pro-rated amount of the Year 1 premium. - Coverage can be removed at any time, but once deleted cannot be re-added. COST Private Passenger Automobile: See Chart Snowmobile OPCF 43 OPCF 43A: $ New Business: December 10, 2016 Renewals: January 10,

43 ENDORSEMENTS DESCRIPTION OPCF 44R - Family Protection Coverage This endorsement provides additional benefits to the Insured, their spouse and certain relatives in the event of bodily injury or death caused by a motorist who is inadequately insured, or should the motorist be unidentified. The limit of this coverage is the difference between the Liability limit carried under the insurance policy and the amount carried by the motorist at fault. COST Annual Charge $500,000=$13.00 $1 Million=$13.00 $2 Million=$25.00 OPCF 47 Agreement Not To Rely On SABS Priority of Payment Rules This endorsement must be attached to any policy where the Insured has purchased one or more Optional Accident Benefits. This endorsement changes the priority of payment rule under SABS. The application of the OPCF 47 will allow the Insured regardless of the priority of payment rules to claim both Statutory Accident Benefits and the Optional Benefits from the carrier providing this coverage. The insured person is limited to only being able to claim from one insurer. Example: The Insured has a policy through one carrier covering optional accident benefits. He/she also has another policy through a different carrier covering a separate vehicle, which does not have optional accident benefits. If the Insured is involved in an accident with the vehicle that does not carry optional accident benefits he/she has the option to collect their accident benefits through the carrier where the optional accident benefits coverage exists provided the optional benefit applicable was purchased. No Charge OPCF 48 Added Coverage To Offset Tort Deductibles This endorsement provides optional first party coverage offsetting the statutory third party liability tort deductible of $30,000 for pain and suffering awards, and $15,000 for family members under the Family Law Act, to $20,000 and $10,000, respectively. 7% of BI premium Collector Car Coverage Extension This endorsement provides coverage for Spare Parts, Overnight Accommodation, and Flatbed Towing Expense on Collector Cars. Spare Parts are covered for 10% of the insured vehicle value up to $5,000. Overnight Accommodation up to $200 is available in the event of an accident which renders the vehicle unfit to drive, while attending a collector car hobby function such as a parade or car show. In addition, flatbed towing expense to the repair garage of the Insured s choice in the event of an accident, is included. Coverage is subject to the policy deductible. Eligibility Criteria: Only available to vehicles on the Collector Car Program. Not to be attached to regular use automobiles. A signed Restricted Usage Declaration is required. No Charge New Business: December 10, 2016 Renewals: January 10,

44 ENDORSEMENTS DESCRIPTION Snowmobile Accessories Extension This endorsement provides coverage for Snowmobile Accessories and Equipment, other than factory installed, and Snowmobile Cutters / Sleds. The amount paid is limited to the amount shown on the Certificate of Automobile Insurance, or the actual cash value of the item(s), whichever is the lesser. Coverage is subject to the policy deductible. Snowmobile accessories and equipment includes, but is not limited to, handlebar grip heaters, graphics kits, light shields, silencers / mufflers, storage racks, saddle / gear bags, backrests, aftermarket shocks, mirrors and windshields and items of a similar nature. Factory installed equipment means accessories and equipment which were installed at the factory and which were included in the original new purchase price of the snowmobile. Cutters / sleds include trailer type sleds and all items specifically designed to be towed behind a snowmobile. Eligibility Criteria: A full description of the equipment including make, model, serial numbers and values must be provided. COST Accessories: $25.00 per $1,000 Cutters / Sleds: $20.00 per $1,000 New Business: December 10, 2016 Renewals: January 10,

45 ENDORSEMENTS OPTIONAL ACCIDENT BENEFITS Optional Benefits are available for those clients wishing to purchase them. They are applicable at the policy level rather than at a vehicle level. An option only needs to be purchased once. Coverage is provided to the Named Insured, spouse, listed operators and dependents of the Named Insured. When more than one insured person requires the increased Income Replacement benefit the premium charged is for the highest benefit required. (e.g., if one person needs $1,000 a week and another person needs $800 a week, charge the $1,000 a week premium). When more than one optional benefit is chosen, the premiums are to be consolidated and charged against one vehicle. OPCF 47 must be applied to the vehicle carrying Optional Accident Benefits. The charges are for Private Passenger Automobiles only. Premiums will be charged on the vehicle with the highest Accident Benefits premium. Optional Benefits are not subject to any policy discounts. STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Income Replacement (70% of gross) Max $400 per week Medical, Rehabilitation & Attendant Care Non-CAT Impairment : Combined Limit up to $65,000 CAT Impairment : Combined Limit up to $1,000,000 Optional Catastrophic Impairment Increased Income Replacement (70% of gross) Max $600 per week $120 Max $800 per week $240 Max $1000 per week $360 Option 1 : Med/Rehab/AC $130,000 Combined limit up to $130,000 in case of Non-CAT Impairment No increase to the standard benefit limit in case of CAT Impairment ($1M) Option 2 : Med/Rehab/AC $1,000,000 Combined limit up to $1,000,000 in case of Non-CAT Impairment Combined limit up to $2,000,000 in case of CAT Impairment Optional Catastrophic Impairment 10% of AB 19% of AB Combined Standard Med/Rehab/AC Limit up to $1,000,000 in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (Available only for Catastrophic Impairment) Caregiver: None Housekeeping & Home Maintenance: None Additional $1M added to Standard Med/Rehab/AC Benefit or Optional Med/Rehab/AC Benefit in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (for any category of injury) Caregiver : Up to $250/wk + $50/wk each additional dependant Housekeeping & Home Maintenance: $100/wk 5% of AB 20% of AB New Business: December 10, 2016 Renewals: January 10,

46 ENDORSEMENTS STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Death & Funeral Death : $25,000-Spouse & $10,000- each Dependant : Funeral $6,000 Dependant Care None Indexation None Death & Funeral Death : $50,000-Spouse & $20,000 each Dependant : Funeral $8,000 Dependant Care $75 per week + $25 per week for each additional Dependant up to max. $150/wk $25 4% of AB Indexation To Index Optional Accident Benefits, add 15% to the total Accident Benefit and Optional Accident Benefit premium charged (excluding Optional Increased Funeral and Death Benefits). The 15% factor for indexation should be applied to the mandatory Accident Benefit premium for the vehicle with the highest accident Benefit premium on the policy. New Business: December 10, 2016 Renewals: January 10,

47 ENDORSEMENTS PACKAGE OFFERINGS COST PACKAGE A Subject to underlying eligibility criteria of OPCFs # 20 and # 27. The package provides the following coverage: $60.00 OPCF 20 - Coverage for Transportation Replacement - Limit $1,000 OPCF 27 - Legal Liability for Damage to Non-Owned Automobile(s) Limit $45,000 PACKAGE B LEASED VEHICLES Subject to underlying eligibility criteria of OPCFs # 20, # 27 and # 43A. The package provides the following coverage: OPCF 20 - Coverage for Transportation Replacement - Limit $1,000 OPCF 27 - Legal Liability for Damage to Non-Owned Automobile(s) Limit $45,000 OPCF 43A - Limited Waiver of Depreciation - Leased Vehicles available for no longer than 24 months from the lease date. Vehicle Rate Group (Collision) Year 1 Year PACKAGE C OWNED VEHICLES Subject to underlying eligibility criteria of OPCFs # 20, # 27 and # 43. The package provides the following coverage: OPCF 20 - Coverage for Transportation Replacement - Limit $1,000 OPCF 27 - Legal Liability for Damage to Non-Owned Automobile(s) Limit $45,000 OPCF 43 - Limited Waiver of Depreciation Owned Vehicles available for no longer than 24 months from the purchase date. Vehicle Rate Group (Collision) Year 1 Year Note: Charges for packages are applicable per vehicle. New Business: December 10, 2016 Renewals: January 10,

48 ENDORSEMENTS ACCIDENT PROTECTION ENDORSEMENT This endorsement protects the driver s number of Years Accident Free rating for the 1 st chargeable accident. Protection is optional, is subject to Eligibility criteria, and must be purchased. Eligibility to purchase the Accident Protection Endorsement (New Business and Renewal): All assigned Operators (excluding Underage Occasional Operators) must have a minimum of 6 years chargeable accident free driving experience in Canada or the United States. The risk must not have more than 3 minor convictions in total in the past 3 years. Principal Operators under 25 years of age are not eligible for this endorsement. Underage Occasional Operators are not eligible for this endorsement, but do not preclude the Principal Operator from qualifying. Available only on Private Passenger automobiles (including vehicles insured under the Collector Car program, and excluding motorhomes, snowmobiles, ATVs, trailers, commercial vehicles and PPVs used for commercial purposes). Endorsement is removed on the Renewal following the first chargeable claim (the risk must re-qualify in order to re-purchase the endorsement). Maintaining the number of Years Accident Free rating following a chargeable accident: The Years Accident Free rating is maintained following the first chargeable accident as long as the risk remains eligible in accordance with published Eligibility criteria. Renewal Years Accident Free revision after chargeable accidents with and without the Accident Protection Endorsement (APE): 2 nd Chargeable Accident 1 st Chargeable Accident (2 chargeable accidents within the preceding 5 years more than 3 years apart) Current Years Years Accident Years Accident Free Accident Free Free without APE with APE Years Accident Free** N/A N/A N/A N/A 2 0 N/A N/A 1 0 N/A N/A 0 0 N/A N/A ** Note: the above is subject to Eligibility criteria. Annual Premium Charge per Vehicle: Territories R1, R2, M1, M2, M3, T0, T1, T2, T3, T4, T5, T6, T7, T8, T9 = $75 All Other Territories = $60 Please refer to the Rating Territories section in the Online Manual for Territory information. New Business: December 10, 2016 Renewals: January 10,

49 ENDORSEMENTS COLLECTOR CAR COVERAGE EXTENSION ENDORSEMENT 1) Purpose of This Change - This change is part of your automobile policy. It provides coverage for Spare Parts, Overnight Accommodation, and Flatbed Towing Expense. This endorsement applies to all vehicles on your policy which are insured under our Collector Car Program. 2) What We Will Pay a) Spare Parts Coverage - Under Section 7, Loss or Damage Coverages, we will reimburse you for loss or damage to Spare Parts applicable to the vehicle insured on the Collector Car Program as indicated above. The Insurer shall not be liable with respect to loss or damage of these Spare Parts in excess of the Actual Cash Value at the time the loss or damage occurs, up to the limit of 10% of the vehicle value, to a maximum of $5,000 per policy term. This limit is in excess of the limit on your Property Insurance policy. Coverage is on an Actual Cash Value basis. b) Overnight Accommodation - Under Section 7, Loss or Damage Coverages, we will reimburse you for up to $200 per occurrence for overnight accommodation in the event the vehicle insured on the Collector Car Program as indicated above is rendered unfit for driving as the result of an accident or insured peril while attending a collector car hobby function such as a parade or car show. c) Flatbed Towing Expense - Under Section 7, Loss or Damage Coverages, a flatbed towtruck will be provided in the event the vehicle insured on the Collector Car Program as indicated above is rendered unfit for driving as the result of an accident or insured peril while out for a drive or while attending a collector car hobby function such as a parade or car show. The vehicle may be towed to the repair facility of the Insured s choice, whether local to the accident or local to the Insured s residence. 3) What is Not Covered a) Spare Parts Coverage does not cover: i) Supplies, fluids, oil or gasoline; parts that do not pertain to the Collector Car insured under this policy; tools, machinery, equipment or products used to maintain, clean or repair the vehicle. ii) Damage caused by deterioration, defect, freezing, rust or corrosion, wet or dry rot, mould or fungi or spores iii) Damage caused by birds, vermin, raccoons, rodents, insects, domestic or domesticated animals. iv) Scratching, marring, chipping or denting, unless caused by theft or attempted theft. v) Damage caused to the Spare Part(s) while in the process of installing them on the vehicle. b) Overnight Accommodation is not applicable if: i) The vehicle suffers breakdown due to wear and tear, deterioration, defect, mechanical or electrical failure, or damage resulting from your failure to maintain your vehicle in sound operating condition. ii) You have other means of transportation to get you home. iii) You are within 50km of your home. c) Flatbed Towing Expense coverage is not applicable if: i) The vehicle suffers breakdown due to wear and tear, deterioration, defect, mechanical or electrical failure, or damage resulting from your failure to maintain your vehicle in sound operating condition. 4) Deductible - This coverage is subject to the policy deductible. All other terms, conditions, provisions, definitions and exclusions of the policy to which this endorsement applies remain unchanged. New Business: December 10, 2016 Renewals: January 10,

50 ENDORSEMENTS RESTRICTED USAGE DECLARATION Year Make Model Serial # VIN This declaration modifies and restricts the meaning of pleasure use as stated on the coverage summary page of the policy as follows: The vehicle(s) described above will be exclusively used for pleasure driving, hobby and/or collector car activities. The vehicle(s) described above will not be used for regular transportation including, but not limited to, commuting to and from work or school, shopping, running errands, business, vacationing or as a temporary substitute vehicle. The vehicle(s) described above may only be used for transportation to and from locations where the vehicle(s) will be on display or otherwise used for hobby and/or collector car activities or to facilitate repair and maintenance of the vehicle(s). The vehicle(s) described above will not be used off road, for racing, a timed road test or a track event of any kind. I have a daily use vehicle(s) for regular transportation insured and rated separately from the vehicle described above. I acknowledge and agree that all drivers of the vehicle(s) to be insured under this policy must have a minimum of 10 years licensed driving experience. I further understand that coverage is not in force until an Ontario Application for Automobile Insurance (OAF 1) has been fully completed, signed and returned by me to Unica Insurance, together with: (1) payment of the full term premium (or signed agreement for monthly withdrawals accompanied by a VOID cheque), (2) a recent appraisal of each vehicle to be insured, and (3) five color photographs of each vehicle to be insured (right front, left rear, interior, engine compartment and trunk). Named Insured(s) (please print): Signature of Named Insured(s): Date: All other terms and conditions of the policy remain in full force and effect. New Business: December 10, 2016 Renewals: January 10,

51 ENDORSEMENTS SNOWMOBILE ACCESSORIES EXTENSION ENDORSEMENT This form applies only if shown on your Certificate of Automobile Insurance. All other terms and conditions of your policy remain the same. 1) Purpose of This Change This change is part of your policy. Where your policy provides coverage under Section 7 Loss or Damage Coverages, this change form extends coverage for loss or damage to snowmobile accessories and equipment, other than factory installed, and snowmobile cutters / sleds, to the agreed amounts shown on your Certificate of Automobile Insurance. 2) Definitions Snowmobile accessories and equipment includes, but is not limited to, handlebar grip heaters, graphics kits, light shields, silencers / mufflers, storage racks, saddle / gear bags, backrests, aftermarket shocks, mirrors and windshields and items of a similar nature. Factory installed equipment means accessories and equipment which were installed at the factory and which were included in the original new purchase price of the snowmobile. Cutters / sleds include trailer type sleds and all items specifically designed to be towed behind a snowmobile. 3) What We Will Pay Under Section 7, Loss or Damage Coverages, we will reimburse you for loss or damage to the snowmobile accessories and equipment, cutters / sleds listed on your certificate of automobile insurance. We will pay the limit for each item as shown on your Certificate of Automobile Insurance or the actual cash value of the item(s), whichever is the lesser. 4) What is Not Covered a) Skis, ski skins, skid plates, tracks, track studs b) Damage caused by deterioration, defect, freezing, rust or corrosion, wet or dry rot, mould or fungi or spores c) Damage caused by birds, vermin, raccoons, rodents, insects, domestic or domesticated animals d) Scratching, marring, chipping or denting, unless caused by theft or attempted theft e) Damage caused to the Accessory(ies) while in the process of installing it on the vehicle f) Helmets, snowmobile suits, gloves, boots, boot warmers unless damage is the result of a snowmobile accident g) Damage due to wear and tear, deterioration, defect, mechanical or electrical failure, or damage resulting from failure to maintain your snowmobile, its accessories, equipment and cutter / sled in sound operating condition 5) Deductible - This coverage is subject to the policy deductible. All other terms, conditions, provisions, definitions and exclusions of the policy to which this endorsement applies remain unchanged. New Business: December 10, 2016 Renewals: January 10,

52 COLLECTOR CAR PROGRAM Unica is prepared to insure Antique and Classic Automobiles. There are 2 categories of vehicles insured under this program. Antiques Classics Collector Car Program automobiles must meet all eligibility requirements. Automobiles not meeting those guidelines will be declined. There are no mileage restrictions or historical licence plate requirements. Vehicles insured under the Collector Car Program are subject to a Restricted Usage Declaration. DETERMINING INSURED VALUE & REQUIREMENTS FOR THE OPCF19A Premiums are based on the appraised value including tax. The appraised value must be stated in Canadian dollars. Should the appraisal not explicitly include taxes, PST & GST will be added to the appraised value. For a vehicle to be insured under the Program, the following information must be provided: An acceptable appraisal no more than 36 months old (for vehicles over $50,000, the appraisal cannot be more than 12 months old) from a credible Ontario appraiser. Please note that Ministry of Finance Tax Evaluation Forms are not acceptable appraisals Five (5) colour photos (right front, left rear, interior, engine compartment and trunk) A copy of the ownership A signed Restricted Usage Declaration Upon receipt of the required information, an OPCF19A - Agreed Value Of Automobile Endorsement will be added. A new appraisal will be required every 5 years from the date of the last appraisal for performance oriented vehicles, and 8 years from the date of the last appraisal for non-performance vehicles (e.g., stock 1917 Ford Touring, stock 66 VW Beetle). The time interval between appraisals is at the Company s discretion. If a new appraisal has not been provided by the 5 th or 8 th Renewal year, the vehicle will be removed from the Collector Car Program. The OPCF19A will be deleted and regular rates will apply. NOTE: The Company reserves the right to decline Program coverage if there is a discrepancy in value, or if the appraisal is deemed unacceptable. Renewals: October 1,

53 COLLECTOR CAR PROGRAM ANTIQUE AUTOMOBILES An Antique automobile means a motor vehicle that is: 30 years old or older Unchanged and unmodified from the original manufacturer s product Is used as a collector car / investment grade vehicle VEHICLE TYPES WRITTEN ANTIQUES Private Passenger Automobiles and Light Trucks (up to 4,500kg Gross Vehicle Weight). Trucks cannot be used for towing, hauling, utility, farm or off-road use Ex-military Jeeps (must be decommissioned and privately owned) Fire trucks (must be decommissioned and privately owned) Pre wd vehicles / Jeeps (cannot be used off-road) Commercial vehicles such as hearses, ambulances, police cars, and small commercial trucks, as long as they are not being used for their intended purpose or for advertising purposes. Must now be Private Passenger plated Passenger or cargo vans. Pre 1970 s VW vans and pre 1970 s sedan delivery vehicles only. Factory made neo-classics such as Excaliburs Vehicles that have company ads or logos on them are acceptable as long as the vehicle is not used for advertising or promotion of the business itself VEHICLE TYPES NOT WRITTEN ANTIQUES Low riders / vehicles equipped with fluid hydraulics Replicas or kit cars of any kind, including Cobras Tractors or motorcycles 4wd vehicles / Jeeps / Landrovers 1965 and newer or used off-road Monster trucks Halftracks / VW Iltis Dune buggies or Baja VWs Motorhomes and camper trucks / vans such as VW Westfalia camper vans Vehicles not plated Private Passenger, either when new or now, such as buses, tow trucks, cabover-engine trucks, truck & trailer rigs Renewals: October 1,

54 COLLECTOR CAR PROGRAM CLASSIC AUTOMOBILES A Classic automobile means a motor vehicle that is: 20 to 29 years old Unchanged and unmodified from the original manufacturer s product Performance oriented, limited or low production, or a sports car; and is not a 4 door sedan, wagon or truck; and is used as a collector car / investment grade vehicle Is used as a collector car / investment grade vehicle VEHICLE TYPES WRITTEN CLASSICS Private Passenger Automobiles. Must be performance oriented, limited or low production, or sports cars. The vehicle must have collector appeal. Examples include but are not limited to: Pontiac Fiero, Buick Grand National, Chevrolet Corvette, Pontiac Firebird, Porsche 911 / 924 / 928, Chevrolet Camaro, Ford Mustang, Toyota Celica Supra, Datsun 280ZX, Mazda RX7, Delorean. Luxury convertibles such as the Cadillac Allante, Buick Reatta and the Mercedes-Benz 450SL are also eligible; as are collectible low production performance pickup trucks such as the Dodge L il Red Express Factory made neo-classics such as Excaliburs Vehicles that have company ads or logos on them are acceptable as long as the vehicle is not used for advertising or promotion of the business itself VEHICLE TYPES NOT WRITTEN CLASSICS Four (4) door sedans, station wagons or trucks, unless performance oriented from the factory or of limited production Commercial vehicles such as hearses, ambulances, police cars, or commercial trucks Passenger or cargo vans Ex-military Jeeps / Halftracks / VW Iltis Fire trucks Low riders / vehicles equipped with fluid hydraulics Replicas or kit cars of any kind, including Cobras Tractors or motorcycles 4wd vehicles / Jeeps / Landrovers Monster trucks Dune buggies or Baja VWs Motorhomes and camper trucks / vans such as VW Westfalia camper vans Vehicles not plated Private Passenger, either when new or at present, such as buses, tow trucks, cab-over-engine trucks, truck & trailer rigs Renewals: October 1,

55 COLLECTOR CAR PROGRAM RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT VEHICLE 1. Any operator less than 30 years old 2. Any operator licensed in Canada / USA less than 10 years 3. The Applicant or listed operator with a non-administrative license suspension in the past 3 years 4. The Applicant or listed operator has been cancelled or has had a claim denied for material misrepresentation or nondisclosure in the preceding 3 years 5. The Applicant or listed operator has knowingly misrepresented or failed to disclose in the application for insurance or when requesting a change to the existing policy any fact required to be stated, including giving false particulars of the described automobile to the prejudice of the insurer 6. The Applicant or listed operator is the only licensed operator in the household and their driving status is suspended, unrenewable or unlicensed 7. The Applicant or listed operator has wilfully made a false statement in respect to a claim under the contract 8. The Applicant or listed operator has failed to provide all information or documentation required for the purpose of investigating or assessing a claim under a policy 9. The Applicant or listed operator fails to provide the necessary underwriting information as described in the OAF 1 to determine our loss exposure and properly rate the risk 10. The Applicant or listed operator has failed to notify the Insurer within 14 days of any material change (that is within the Insured s knowledge) on the information supplied in the original application for insurance, such as additional drivers, vehicle modifications, or a change in the way the vehicle is used 11. The Applicant refuses to provide a safety certificate or other evidence of mechanical fitness when the safe operation of the vehicle is in question 12. The Applicant or listed operator has been convicted of auto insurance fraud in the preceding 10 years 13. The Applicant or listed operator has permitted someone not authorized by law to drive or allowed an excluded driver to operate a vehicle when excluded under the OPCF 28A, in the preceding 3 years 14. The Applicant and Principal Operator do not have daily/regular use automobiles registered and insured in their own names 15. The Applicant, regular or frequent operator is not a resident of Ontario 16. All regular or frequent operators do not have valid Ontario Driver s licences 17. The Applicant or listed operator owes outstanding automobile premium to Unica Insurance Inc. 18. The behaviour of the Applicant or listed driver is abusive or threatening to the Insurer or Brokerage staff and the appropriate charge has been made with the police 19. The Antique vehicle is less than 30 years of age 20. The Classic vehicle is less than 20 years of age or over 29 years of age 21. The vehicle has not been fully restored or is not in exceptional original condition and / or does not display pride of ownership 22. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 23. The vehicle has failed a government inspection for roadworthiness ( Safety Standards Certificate ) 24. The vehicle is on the list of vehicle types not written 25. The vehicle has been branded as Salvage or Rebuilt (see note below for decline) 26. The Antique / Classic vehicle has been modified either cosmetically and / or for performance/speed/racing 27. The Antique / Classic vehicle contains a nitrous oxide or jet fuel based system, whether functional or not, is tubbed, and / or has a roll bar or roll cage 28. Vehicles with a value under $5,000 and in excess of $150,000 (Tax inclusive) 29. The vehicle has unrepaired damage 30. A vehicle that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness 31. The vehicle is registered under a company name 32. The vehicle does not carry full coverage at all times 33. The vehicle is permanently kept outside the province of Ontario 34. An acceptable appraisal with all required photographs has not been received Renewals: October 1,

56 COLLECTOR CAR PROGRAM RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) USE 35. The vehicle is valued over $75,000 and does not have an alarm or vehicle tracking device 36. The vehicle is right hand drive 37. The vehicle was not manufactured for sale or distribution in Canada / the USA 38. Not used exclusively for Pleasure driving. Can be operated in parades, for purposes of exhibition, tours or similar functions organized by a properly constituted automobile club or for purposes of repair, testing or demonstration for sale. Pleasure driving does NOT include general transportation usage such as going to the cottage, golf course, shopping mall or store parking lot (unless a car show is taking place there), vacation use, or any other non-collector car hobby related activities, where the vehicle is left unattended 39. The vehicle is used for racing, timed road or speed tests, on a track or closed course of any kind, or is taken off-road 40. The vehicle is used for regular transportation (i.e., to drive to/from work or school, running errands, shopping or as a temporary substitute vehicle) 41. A Restricted Usage Declaration has not been signed by the Applicant 42. The vehicle is rented or leased to others 43. Risks with a USA exposure that cumulatively exceeds a period of 6 months in a year. 44. The vehicle is used for purposes other than private passenger use such as business or commercial, wholesale, retail or fast food deliveries, taxis, vehicles held for sale or used for demonstrating, testing or driver training, funeral vehicles, emergency vehicles, used to carry tools, materials and any other artisan s equipment, or for commercial display purposes 45. The vehicle is not stored in a locked garage or secure underground parking lot RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) G CLASS OPERATORS WHO HAVE BEEN LICENSED IN CANADA / USA FOR 10 OR MORE YEARS NEW BUSINESS RENEWAL 46. A risk with any chargeable accidents in the preceding 6 years 47. A risk with 1 or more Serious convictions in the preceding 3 years 48. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the Certificate of Insurance required for the issuance, validation or transfer of a vehicle permit 49. A risk with 3 or more Minor convictions in the preceding 3 years 50. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 51. A risk with 2 or more Minor convictions and 1 cancellation for nonpayment of premium in the preceding 3 years 52. A risk with 1 or more Minor convictions and 2 cancellations for nonpayment of premium in the preceding 3 years Note: Regardless of the percentage of chargeability assigned to an incident, all Chargeable Accidents are used to determine eligibility for Unica. NOTE: means not eligible for the Collector Car program. The vehicle may still be eligible for Unica s regular Private Passenger Automobile rates. Refer to the Private Passenger Automobile Eligibility and Rating Rules section. Renewals: October 1,

57 COLLECTOR CAR PROGRAM RISKS INELIGIBLE FOR ALL PERILS AND COLLISION OR UPSET COVERAGE 53. A risk with 3 or more Non-Chargeable Collision claims in the preceding 6 years RISKS INELIGIBLE FOR ALL PERILS, COMPREHENSIVE, AND SPECIFIED PERILS COVERAGE 54. A risk with 3 or more Comprehensive claims in the preceding 6 years (other than glass claims) 55. A risk with 2 or more Glass claims in the preceding 3 years 56. A risk with 2 or more Vandalism and/or Theft of vehicle and/or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) 57. Any vehicle where OPCF 13C (Restricting Glass Coverage) has been applied/requested and the Named Insured has failed to supply a signed copy MINIMUM DEDUCTIBLE TABLE Vehicle Values Vehicle Value $ Collision Comprehensive All Perils / Specified Perils 5,000-50,000 $500 $300 N/A 50, ,000 $1,000 $500 N/A 100, ,000 $2,000 $1,000 N/A Over 150,000 DECLINE ADDITIONAL COVERAGE OFFERED VIA THE COLLECTOR CAR COVERAGE EXTENSION ENDORSEMENT Spare Parts Coverage - 10% of the insured vehicle value up to $5,000 Overnight Accommodation - up to $200 towards accommodation expenses incurred as a result of a vehicle accident while attending a collector car hobby function such as a parade or car show Flatbed Towing Expense, to the garage of your choice, in the event of an accident while attending a collector car hobby function such as a parade or car show Coverages are subject to the Section 7 - Collision Deductible No other Endorsements apply Renewals: October 1,

58 COLLECTOR CAR PROGRAM RATES Bodily Injury Property Damage OPCF44 Accident Uninsured Liability Limit: Liability Limit: Benefits Auto Liability Limit: $1 mill $2 mill $1 mill $2 mill $1 mill $2 mill OPTIONAL ACCIDENT BENEFITS STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Income Replacement (70% of gross) Max $400 per week Medical, Rehabilitation & Attendant Care Non-CAT Impairment : Combined Limit up to $65,000 CAT Impairment : Combined Limit up to $1,000,000 Optional Catastrophic Impairment Increased Income Replacement (70% of gross) $120 Max $600 per week Max $800 per week $240 Max $1000 per week $360 Option 1 : Med/Rehab/AC $130,000 Combined limit up to $130,000 in case of Non-CAT Impairment No increase to the standard benefit limit in case of CAT Impairment ($1M) Option 2 : Med/Rehab/AC $1,000,000 Combined limit up to $1,000,000 in case of Non-CAT Impairment Combined limit up to $2,000,000 in case of CAT Impairment Optional Catastrophic Impairment 10% of AB 19% of AB Combined Standard Med/Rehab/AC Limit up to $1,000,000 in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (Available only for Catastrophic Impairment) Caregiver: None Housekeeping & Home Maintenance: None Death & Funeral Death : $25,000-Spouse & $10,000-each Dependant : Funeral $6,000 Dependant Care None Additional $1M added to Standard Med/Rehab/AC Benefit or Optional Med/Rehab/AC Benefit in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (for any category of injury) Caregiver : Up to $250/wk + $50/wk each additional dependant Housekeeping & Home Maintenance: $100/wk Death & Funeral Death : $50,000-Spouse & $20,000 each Dependant : Funeral $8,000 Dependant Care $75 per week + $25 per week for each additional Dependant up to max. $150/wk 5% of AB 20% of AB $25 4% of AB Renewals: October 1,

59 COLLECTOR CAR PROGRAM STANDARD BENEFITS Indexation None OPTIONAL INCREASES AVAILABLE Indexation To Index Optional Accident Benefits, add 15% to the total Accident Benefit and Optional Accident Benefit premium charged (excluding Optional Increased Funeral and Death Benefits). The 15% factor for indexation should be applied to the mandatory Accident Benefit premium for the vehicle with the highest accident Benefit premium on the policy. Renewals: October 1,

60 COLLECTOR CAR PROGRAM Antiques - Class 67 DCPD COLLISION COMPREHENSIVE List Price New Rate Group Deductible Deductible Deductible $0 $300 $500 $1,000 $300 $500 $5,000-9, $9,001-10, $10,001-11, $11,001-12, $12,001-13, $13,001-14, $14,001-15, $15,001-16, $16,001-17, $17,001-18, $18,001-19, $19,001-20, $20,001-21, $21,001-22, $22,001-23, $23,001-24, $24,001-25, $25,001-26, $26,001-27, $27,001-28, $28,001-29, $29,001-30, $30,001-31, $31,001-32, $32,001-33, $33,001-34, $34,001-35, $35,001-36, $36,001-37, $37,001-38, $38,001-39, $39,001-40, $40,001-41, $41,001-42, $42,001-43, Renewals: October 1,

61 COLLECTOR CAR PROGRAM Antiques - Class 67 DCPD COLLISION COMPREHENSIVE List Price New Rate Group Deductible Deductible Deductible $0 $300 $500 $1,000 $300 $500 $43,001-44, $44,001-45, $45,001-46, $46,001-47, $47,001-48, $48,001-49, $49,001-50, $50,001-51, $51,001-52, $52,001-53, $53,001-54, $54,001-55, $55,001-56, $56,001-57, $57,001-58, $58,001-59, $59,001-60, $60,001-61, $61,001-62, $62,001-63, $63,001-64, $64,001-65, $65,001-66, $66,001-67, $67,001-68, $68,001-69, $69,001-70, $70,001-71, $71,001-72, $72,001-73, $73,001-74, $74,001-75, $75,001-76, $76,001-77, $77,001-78, $78,001-79, $79,001-80, $80,001-81, $81,001-82, $82,001-83, $83,001-84, $84,001-85, $85,001-86, Renewals: October 1,

62 COLLECTOR CAR PROGRAM Antiques - Class 67 DCPD COLLISION COMPREHENSIVE Appraised Value Including Tax Rate Group Deductible Deductible Deductible $0 $300 $500 $1,000 $300 $500 $86,001-87, $87,001-88, $88,001-89, $89,001-90, $90,001-91, $91,001-92, $92,001-93, $93,001-94, $94,001-95, $95,001-96, $96,001-97, $97,001-98, $98,001-99, $99, , $100, , $101, , $102, , $103, , $104, , $105, , $106, , $107, , $108, , $109, , $110, , $111, , $112, , $113, , $114, , $115, , $116, , $117, , $118, , $119, , $120, , $121, , $122, , $123, , $124, , $125, , $126, , $127, , $128, , Renewals: October 1,

63 COLLECTOR CAR PROGRAM Antiques - Class 67 DCPD COLLISION COMPREHENSIVE Appraised Value Rate Deductible Deductible Deductible Including Tax Group $0 $300 $500 $1,000 $300 $500 $129, , $130, , $131, , $132, , $133, , $134, , $135, , $136, , $137, , $138, , $139, , $140, , $141, , $142, , $143, , $144, , $145, , $146, , $147, , $148, , $149, , To obtain rates for higher deductibles, multiply the $500 Collision / $300 Comprehensive deductible rate by: Deductible COLL CMP $1,000 See Above 0.91 $2, N/A All Perils is not available for the Collector Car Program. Renewals: October 1,

64 COLLECTOR CAR PROGRAM Classics - Class 68 DCPD COLLISION COMPREHENSIVE Appraised Value Rate Deductible Deductible Deductible Including Tax Group $0 $300 $500 $1,000 $300 $500 $5, $5,001-6, $6,001-7, $7,001-8, $8,001-9, $9,001-10, $10,001-11, $11,001-12, $12,001-13, $13,001-14, $14,001-15, $15,001-16, $16,001-17, $17,001-18, $18,001-19, $19,001-20, $20,001-21, $21,001-22, $22,001-23, $23,001-24, $24,001-25, $25,001-26, $26,001-27, $27,001-28, $28,001-29, $29,001-30, $30,001-31, $31,001-32, $32,001-33, $33,001-34, $34,001-35, $35,001-36, $36,001-37, $37,001-38, $38,001-39, $39,001-40, $40,001-41, $41,001-42, $42,001-43, $43,001-44, $44,001-45, $45,001-46, $46,001-47, Renewals: October 1,

65 COLLECTOR CAR PROGRAM Classics - Class 68 DCPD COLLISION COMPREHENSIVE Appraised Value Rate Deductible Deductible Deductible Including Tax Group $0 $300 $500 $1,000 $300 $500 $47,001-48, $48,001-49, $49,001-50, $50,001-51, $51,001-52, $52,001-53, $53,001-54, $54,001-55, $55,001-56, $56,001-57, $57,001-58, $58,001-59, $59,001-60, $60,001-61, $61,001-62, $62,001-63, $63,001-64, $64,001-65, $65,001-66, $66,001-67, $67,001-68, $68,001-69, $69,001-70, $70,001-71, $71,001-72, $72,001-73, $73,001-74, $74,001-75, $75,001-76, $76,001-77, $77,001-78, $78,001-79, $79,001-80, $80,001-81, $81,001-82, $82,001-83, $83,001-84, $84,001-85, $85,001-86, $86,001-87, $87,001-88, $88,001-89, $89,001-90, Renewals: October 1,

66 COLLECTOR CAR PROGRAM Classics - Class 68 DCPD COLLISION COMPREHENSIVE Appraised Value Including Tax Rate Group Deductible Deductible Deductible $0 $300 $500 $1,000 $300 $500 $90,001-91, $91,001-92, $92,001-93, $93,001-94, $94,001-95, $95,001-96, $96,001-97, $97,001-98, $98,001-99, $99, , $100, , $101, , $102, , $103, , $104, , $105, , $106, , $107, , $108, , $109, , $110, , $111, , $112, , $113, , $114, , $115, , $116, , $117, , $118, , $119, , $120, , $121, , $122, , $123, , $124, , $125, , $126, , $127, , $128, , $129, , $130, , $131, , $132, , Renewals: October 1,

67 COLLECTOR CAR PROGRAM Classics - Class 68 DCPD COLLISION COMPREHENSIVE Appraised Value Including Tax Rate Group Deductible Deductible Deductible $0 $300 $500 $1,000 $300 $500 $133, , $134, , $135, , $136, , $137, , $138, , $139, , $140, , $141, , $142, , $143, , $144, , $145, , $146, , $147, , $148, , $149, , To obtain rates for higher deductibles, multiply the $500 Collision / $300 Comprehensive deductible rate by: Deductible COLL CMP $1,000 See Above 0.91 $2, N/A All Perils is not available for the Collector Car Program. ** For rating purposes only, if the vehicle value is less than $9000, rate it as if the value was $9000. Otherwise, use the actual vehicle value in rating. Renewals: October 1,

68 COLLECTOR CAR PROGRAM APPLICABLE DISCOUNTS AND SURCHARGES DISCOUNTS COLLECTOR CAR ELIGIBILITY AMOUNT MISC VEHICLES: MULTI - VEHICLE - COLLECTOR CAR Where two or more Collector vehicles exist, or where a Collector vehicle and a Private Passenger vehicle exist Vehicles are owned or leased by the Named Insured Note: This discount applies to the Collector Car(s). Both vehicles must carry full road coverages, for the full term, for the discount to apply. 10% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION COMP ACCIDENT RATING NOTES FOR COLLECTOR CARS To qualify for the Collector Car program, all drivers must not have had any chargeable accidents in the preceding six years. If the Insured or a listed driver has a chargeable accident on his or her regular use vehicle, that regular use vehicle will be rated accordingly. With the exception of Minor Accidents, all At-Fault accidents, whether chargeable or non-chargeable are considered when establishing policy Renewal If the Insured or a listed driver has a chargeable accident on the Collector car, the vehicle will be removed from the Collector Car program. The OPCF19A and the Collector Car Coverage Extension Endorsement will be deleted. The vehicle will be rated as a regular use vehicle and will be rated for the accident. SHORT RATE TABLE FOR COLLECTOR CARS Full coverage remains in force for the full policy term. Coverage cannot be deleted unless the vehicle is sold or substituted. Premium is 100% earned. For each month of cover, earned premium shall be calculated in accordance with the following earned premium schedule: January 0% July 20% February 0% August 20% March 5% September 10% April 10% October 5% May 10% November 0% June 20% December 0% Renewals: October 1,

69 MOTORHOMES A motorhome is a self-propelled recreational camping and travel vehicle. Some are specifically designed and manufactured as motor homes, where others have been customized after-market to include living quarters, and can store and carry fresh water and sewage. (Type A) (Type B) (Type C) TYPES OF MOTORHOMES Conventional Motorhome (Type A) The living unit has been entirely constructed on a bare, specially designed motor vehicle chassis. Chopped Van (Low Profile) (Type B) This unit is built on an automotive manufactured van frame with an attached cab section having a gross vehicle weight of 2,950kg or more, with an overall height of less than eight feet. The RV manufacturer completes the body section containing the living area and attaches it to the cab section. Chopped Van (Compact) (Type B) This unit is built on an automotive manufactured cab and chassis having a gross vehicle weight of less than 2,950kg. It may provide any or all of the conveniences of the larger units. Chopped Van (Mini) (Type C) This unit is built on an automotive manufactured van frame with an attached cab section of a gross vehicle weight 2,950kg or more, with an overall height of more than eight feet. The RV manufacturer completes the body section containing the living area and attaches to the cab section. Van Camper (Type B) A panel-type truck to which the RV manufacturer adds any two of the following conveniences: sleeping, kitchen and toilet facilities, also 110 volt hook-up, fresh water storage, city water hook-up, and a top extension to provide more head room. The following must be referred to the Company for approval prior to binding: Motorhomes not factory built Motorhomes exceeding $100,000 in value Motorhomes imported to/purchased outside of Canada Renewals: October 1,

70 MOTORHOMES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT MOTOR HOMES 1. Any operator under 25 years old 2. Any operator licensed in Canada / USA less than 5 years or with a G1 or G2 class licence 3. The Applicant or listed operator has been cancelled or has had a claim denied for material misrepresentation or nondisclosure in the preceding 3 years 4. The Applicant or listed operator has knowingly misrepresented or failed to disclose in the application for insurance or when requesting a change to the existing policy any fact required to be stated, including give false particulars of the described automobile to the prejudice of the insurer 5. The Applicant or listed operator is the only licensed operator in the household and their driving status is suspended, unrenewable or unlicensed 6. The Applicant or listed operator has had a license suspension in the preceding 3 years for an alcohol related conviction 7. The Applicant or listed operator has wilfully made a false statement in respect to a claim under the contract 8. The Applicant or listed operator has failed to provide all information or documentation required for the purpose of investigating or assessing a claim under a policy 9. The Applicant or listed operator fails to provide the necessary underwriting information as described in the OAF 1 to determine our loss exposure and properly rate the risk 10. The Applicant or listed operator has failed to notify the Insurer within 14 days of any material change (that is within the Insured s knowledge) on the information supplied in the original application for insurance, such as additional drivers, vehicle modifications, or a change in the way the vehicle is used 11. The Applicant refuses to provide a safety certificate or other evidence of mechanical fitness when the safe operation of the vehicle is in question 12. The Applicant or listed operator has been convicted of auto insurance fraud in the preceding 10 years 13. The Applicant or listed operator has permitted someone not authorized by law to drive or allowed an excluded driver to operate a vehicle when excluded under the OPCF 28A, in the preceding 3 years 14. The Applicant, regular or frequent operator is not a resident of Ontario 15. All regular or frequent operators do not have valid Ontario Driver s licences 16. The Applicant or listed operator owes outstanding automobile premium to Unica Insurance Inc. 17. The behaviour of the Applicant or listed driver is abusive or threatening to the Insurer or Brokerage staff and the appropriate charge has been made with the police 18. Home built motorhomes or modified for high performance 19. Motorhomes powered by fuel other than gasoline or diesel (Unless factory installed) 20. Motorhomes registered in a business name 21. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 22. A Motorhome that has failed a government inspection for roadworthiness ( Safety Standards Certificate ) 23. A Motorhome that has been branded as Salvage and the Insured refuses to provide a government inspection Safety Standards Certificate, a copy of the Structural Inspection Certificate and current photographs of the vehicle 24. Motorhomes with a value under $5,000 or in excess of $150,000 (Tax inclusive) 25. Motorhomes in excess of 35 feet 26. Motorhomes not insured to value 27. A motorhome that is valued over $75,000 and does not have an alarm or vehicle tracking device 28. The vehicle was not manufactured for sale or distribution in Canada / the USA 29. A motorhome that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness 30. A Motorhome that has unrepaired damage affecting the mechanical fitness and safety, where the Insured refuses to provide a Safety Standards Certificate or other evidence of mechanical fitness within 10 business days Renewals: October 1,

71 MOTORHOMES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) USE 31. Risks with a USA exposure that cumulatively exceeds a period of 6 months in a year 32. Motorhomes that are not primarily used and/or garaged in the province of Ontario 33. Used for regular or daily transportation 34. Motorhomes used for purposes other than recreational or pleasure use 35. Motorhomes rented or leased to others RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) WHERE THE PRINCIPAL OPERATOR HAS BEEN G CLASS LICENSED IN CANADA / USA FOR 5 OR MORE YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 36. A risk with 2 chargeable accidents in the preceding 6 years Accept 37. A risk with 3 or more chargeable accidents in the preceding 6 years 38. A risk with 1 chargeable accident in the preceding 6 years and 3 Minor convictions in the preceding 3 years 39. A risk with 2 chargeable accidents in the preceding 6 years and 2 Minor convictions in the preceding 3 years 40. A risk with 1 or more Serious convictions in the preceding 3 years 41. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 42. A risk with 5 or more Minor convictions in the preceding 3 years 43. Any operator with 3 or more Minor convictions in the preceding 3 years 44. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 45. A risk with 1 chargeable accident in the preceding 6 years and 2 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years 46. A risk with 1 chargeable accident in the preceding 6 years, and 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years 47. A risk with 3 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years Note: Regardless of the percentage of chargeability assigned to an incident, all Chargeable Accidents are used to determine eligibility for Unica. Renewals: October 1,

72 MOTORHOMES RISKS INELIGIBLE FOR SECTION 7 LOSS OR DAMAGE COVERAGES: 48. Any motorhome with unrepaired damage, including motorhomes where a cash settlement was taken and the motorhome has not been repaired 49. Any motorhome involved in a total loss where the Insured has retained the Salvage 50. Any motorhome that has been assigned a Rebuilt status. (Please refer to the additional requirements located under the General Information section) 51. Motorhomes imported to/purchased outside of Canada without an acceptable current appraisal and Safety Standards Certificate 52. Any motorhome 12 years of age and older without an acceptable current appraisal and photographs; (Motorhomes 12 years of age and older with Section 7 Loss or Damage coverage must have a signed OPCF 19 attached) 53. Any motorhome where an OPCF 19 (Limiting Amount Paid for Loss or Damage Coverage) has been applied/requested and the Named Insured has failed to supply a signed copy RISKS INELIGIBLE FOR ALL PERILS, COMPREHENSIVE, AND SPECIFIED PERILS COVERAGE 54. Any vehicle where an OPCF 40 (Fire Deductible) or an OPCF 13C (Restricting Glass Coverage) has been applied/requested and the Named Insured has failed to supply a signed copy Renewals: October 1,

73 MOTORHOMES *MINIMUM DEDUCTIBLE TABLE & COVERAGE LIMITATIONS Motorhome Values Value $ Collision/All Perils Comprehensive Specified Perils 5,000-29,000 Min $300 Min $300 Min $300 29,001-70,000 Min $500 Min $500 Min $500 70, ,000 Min $1,000 Min $1,000 Min $1, , ,000 Min $5,000 Min $5,000 Min $5,000 Over 150,000 Claims Frequency DECLINE # of Claims Collision/All Perils Comprehensive Specified Perils 3 Non-Chargeable Collision claims in the preceding 6 years 3 Non-Chargeable Collision claims in the preceding 3 years 3 Comprehensive claims in the preceding 6 years (other than glass claims) 2 or more glass claims in the preceding 3 years 2 Chargeable Collision claims in the preceding 6 years (Applicable to renewals if the Principal Operator has been licensed 5 years or more) 2 nd Vandalism and / or Theft of vehicle and / or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) Min $5,000 N/A N/A Coverage N/A N/A All Perils Coverage Coverage Coverage N/A Apply OPCF 13c N/A Min $2,500 N/A N/A All Perils Coverage Coverage Coverage Renewals: October 1,

74 MOTORHOMES RATES Third Party Liability / Property Damage ($1million) Direct Compensation Accident Benefits Uninsured Automobile OPCF44R Collision / Comprehensive / Specified Perils Optional Accident Benefits Rate as Private Passenger automobile. Rate as Private Passenger automobile using Rate Group 8 and multiply by factor below Rate as Private Passenger automobile excluding the Rate Group step of the algorithm Rate as Private Passenger automobile excluding the Rate Group step of the algorithm Use applicable Private Passenger automobile rates Rate as Private Passenger automobile, using Rate Group 8 and multiply by factor below Use applicable Private Passenger automobile rates List Price New Rate Group Direct Compensation/Collision/Comprehensive/Specified Perils $5, $5,001-7, $7,001-9, $9,001-12, $12,501-16, $16,001-20, $20,001-24, $24,001-29, $29,001-34, $34,001-39, $39,001-44, $44,001-49, $49,001-54, $54,001-59, $59,001-64, $64,001-69, $69,001-74, $74,001-79, $79,001-84, $84,001-89, $89,001-94, $94,001-99, $99, , $104, , $109, , $114, , $119, , $124, , Renewals: October 1,

75 MOTORHOMES List Price New Rate Direct Compensation/Collision/Comprehensive/Specified Group Perils $129, , $134, , $139, , $144, , $149, , All Perils = 100% of Collision + 100% of Comprehensive For other Liability limits or for higher deductibles, apply appropriate Private Passenger Automobile factors. Renewals: October 1,

76 MOTORHOMES OPTIONAL ACCIDENT BENEFITS STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Income Replacement (70% of gross) Max $400 per week Medical, Rehabilitation & Attendant Care Non-CAT Impairment : Combined Limit up to $65,000 CAT Impairment : Combined Limit up to $1,000,000 Optional Catastrophic Impairment Increased Income Replacement (70% of gross) $120 Max $600 per week Max $800 per week $240 Max $1000 per week $360 Option 1 : Med/Rehab/AC $130,000 Combined limit up to $130,000 in case of Non-CAT Impairment No increase to the standard benefit limit in case of CAT Impairment ($1M) Option 2 : Med/Rehab/AC $1,000,000 Combined limit up to $1,000,000 in case of Non-CAT Impairment Combined limit up to $2,000,000 in case of CAT Impairment Optional Catastrophic Impairment 10% of AB 19% of AB Combined Standard Med/Rehab/AC Limit up to $1,000,000 in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (Available only for Catastrophic Impairment) Caregiver: None Housekeeping & Home Maintenance: None Death & Funeral Death : $25,000-Spouse & $10,000-each Dependant : Funeral $6,000 Dependant Care None Additional $1M added to Standard Med/Rehab/AC Benefit or Optional Med/Rehab/AC Benefit in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (for any category of injury) Caregiver : Up to $250/wk + $50/wk each additional dependant Housekeeping & Home Maintenance: $100/wk Death & Funeral Death : $50,000-Spouse & $20,000 each Dependant : Funeral $8,000 Dependant Care $75 per week + $25 per week for each additional Dependant up to max. $150/wk 5% of AB 20% of AB $25 4% of AB Renewals: October 1,

77 MOTORHOMES Indexation None Indexation To Index Optional Accident Benefits, add 15% to the total Accident Benefit and Optional Accident Benefit premium charged (excluding Optional Increased Funeral and Death Benefits). The 15% factor for indexation should be applied to the mandatory Accident Benefit premium for the vehicle with the highest accident Benefit premium on the policy. Renewals: October 1,

78 MOTORHOMES APPLICABLE DISCOUNTS AND SURCHARGES DISCOUNT PRIVATE PASSENGER ELIGIBILITY AMOUNT CONVICTION FREE Where all operators assigned to the vehicle are conviction free within the last 3 years Applies to Private Passenger Vehicles and Motorhomes 15% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP SURCHARGE ELIGIBILITY AMOUNT CONVICTIONS LAPSE OF INSURANCE FOR NON- PAYMENT OF PREMIUM Applicable to Minor convictions incurred in the last 3 years Considers the cumulative number of convictions of all operators assigned to the vehicle Applies to Private Passenger Vehicles and Motorhomes Note: This surcharge does not supersede the Eligibility rules. Applicable where there has been a rateable lapse in insurance coverage for 30 days or more, which results from: The termination of a policy of automobile insurance as a result of the insured person's failure to pay the premiums due under the policy. Applies to Private Passenger Vehicles and Motorhomes This surcharge will apply for 1 full year once coverage is resumed. Note: In order for this surcharge not to apply, the Insured must have had coverage with another insurer for a full 12 months since the lapse. 1 st Minor: 0% 2 nd Minor 15% 3 rd Minor: 30% 55% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP Renewals: October 1,

79 MOTORHOMES SURCHARGE ELIGIBILITY AMOUNT LAPSE OF INSURANCE FOR CAUSES OTHER THAN NON- PAYMENT OF PREMIUM Applicable where there has been a rateable lapse in insurance coverage for 30 days or more, which results from: The suspension of the insured person's driver's licence as a result of a conviction for an offence related to the use or operation of an automobile, or An accident or a conviction for an offence related to the use or operation of an automobile, if the insured person did not inform the insurer of the accident or conviction and the accident or conviction would likely have led to the insured person being charge a higher premium, or The insured person operated a motor vehicle or caused or permitted the motor vehicle to be operated without insurance during the lapse in coverage. Applies to Private Passenger Vehicles and Motorhomes This surcharge will apply for 1 full year once coverage is resumed. 72.5% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP Note: In order for this surcharge not to apply, the Insured must have had coverage with another insurer for a full 12 months since the lapse. Renewals: October 1,

80 SNOWMOBILES A snowmobile is a self-propelled motorized vehicle designed to be driven exclusively on snow or ice. Unica requires all Snowmobile policies to carry an OPCF 32 (Use of Recreational Vehicles by Unlicensed Operators). TYPES OF SNOWMOBILES Touring Designed for long, comfortable rides on groomed trails, touring snowmobiles can include a higher windshield, heated hand grips, a rear passenger backrest and other creature comforts. Trail / Sport Designed for trail use, Trail / Sport snowmobiles provide the rider with a versatile mix of handling and comfort. Utility Designed for both on and off trail riding, these vehicles are longer, slightly wider and heavier than other snowmobiles. They also have the capability to haul a work sled or toboggan. Deep Snow / Mountain Designed for use in deep snow, off trail and climbing slopes. The key characteristic of these is that the track is longer than trail purpose snowmobiles, and this enables better maneuverability in deeper snow. Hybrid / Crossover Designed for use on and off trail. These snowmobiles also have a longer track, which enables them to be used in deeper snow. Performance Designed to be nimble and fast on the trail, they usually have a higher output engine and a lighter weight than other snowmobiles. Junior Designed for trail use by younger riders. These snowmobiles are normally equipped with an engine of 120cc or less. Unica does not insure Junior snowmobiles. Monoski These snowmobiles have a single ski on the front, and have seating ergonomics and handling characteristics similar to those of a motorcycle. One such model is the Snow Hawk. Monoskis can be factory built, or can be converted from motorcycles with a ski and track kit. Unica does not insure Monoskis. Renewals: October 1,

81 SNOWMOBILES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT 1. The Applicant or listed operator has been cancelled or has had a claim denied for material misrepresentation or nondisclosure in the preceding 3 years 2. The Applicant or listed operator has knowingly misrepresented or failed to disclose in the application for insurance or when requesting a change to the existing policy any fact required to be stated, including give false particulars of the described automobile to the prejudice of the insurer 3. The Applicant or listed operator is the only licensed operator in the household and their driving status is suspended, unrenewable or unlicensed 4. The Applicant or listed operator has had a license suspension in the preceding 3 years for an alcohol related conviction 5. The Applicant or listed operator has wilfully made a false statement in respect to a claim under the contract 6. The Applicant or listed operator has failed to provide all information or documentation required for the purpose of investigating or assessing a claim under a policy 7. The Applicant or listed operator fails to provide the necessary underwriting information as described in the OAF 1 to determine our loss exposure and properly rate the risk 8. The Applicant or listed operator has failed to notify the Insurer within 14 days of any material change (that is within the Insured s knowledge) on the information supplied in the original application for insurance, such as additional drivers, vehicle modifications, or a change in the way the vehicle is used 9. The Applicant refuses to provide a safety certificate or other evidence of mechanical fitness when the safe operation of the vehicle is in question 10. The Applicant or listed operator has been convicted of auto insurance fraud in the preceding 10 years 11. The Applicant or listed operator has permitted someone not authorized by law to drive or allowed an excluded driver to operate a vehicle when excluded under the OPCF 28A, in the preceding 3 years 12. The Principal Operator is under 16 years of age and / or does not have a valid motor vehicle licence 13. The Applicant, regular or frequent operator is not a resident of Ontario 14. All regular or frequent operators do not have valid Ontario Driver s licences 15. The Applicant or listed operator owes outstanding automobile premium to Unica Insurance Inc. 16. The behaviour of the Applicant or listed driver is abusive or threatening to the Insurer or Brokerage staff and the appropriate charge has been made with the police 17. Risks with multiple unrelated operators Renewals: October 1,

82 SNOWMOBILES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) SNOWMOBILE USE 18. Snowmobiles with cubic capacity of 200 cc or less 19. Snowmobiles with a Gross Vehicle Weight which exceeds 900kg 20. Monoskis or motorcycle conversions 21. Snowmobiles designed for use by children (Junior Snowmobiles, Kitty Cats) 22. Sleds, toboggans or trailers not specifically designed to be towed behind a Snowmobile 23. Snowmobiles designed or built for racing or competition 24. Modified, home built or customized snowmobiles (modifications include, but are not limited to frame, suspension, engine or exhaust modifications, installation of turbo or superchargers or nitrous oxide, installation of automotive parts, custom paint jobs of any kind, or any customization or modification prohibited by law) 25. Snowmobiles powered by fuel other than gas or diesel 26. A snowmobile that has failed a government inspection for roadworthiness ( Safety Standards Certificate ) 27. A snowmobile that has been branded as Salvage and the Insured refuses to provide a government inspection Safety Standards Certificate, a copy of the Structural Inspection Certificate and current photographs of the vehicle 28. A snowmobile that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness. 29. A snowmobile that has unrepaired damage affecting the mechanical fitness and safety, where the Insured refuses to provide a Safety Standards Certificate or other evidence of mechanical fitness within 10 business days 30. Snowmobiles requiring Comprehensive or Specified Perils only (carries no Liability coverage) 31. Snowmobiles written without mandatory road coverage 32. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 33. Snowmobiles registered in a business name 34. Snowmobiles permanently kept outside the Province of Ontario 35. The vehicle was not manufactured for sale or distribution in Canada / the USA 36. Risks with USA exposure that cumulatively exceeds a period of 6 months in a year 37. Snowmobiles that are not used and/or garaged in the Province of Ontario 38. The vehicle is used for racing, competition, timed road or speed tests, on a track or closed course of any kind, or is used for stunt riding or jumping 39. Snowmobiles used for purposes other than personal recreational use 40. Snowmobiles used for trail grooming 41. Snowmobiles rented or leased to others Renewals: October 1,

83 SNOWMOBILES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR 5 OR MORE YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 42. A risk with 2 chargeable accidents in the preceding 6 years Accept 43. A risk with 3 or more chargeable accidents in the preceding 6 years 44. A risk with 1 chargeable accident in the preceding 6 years and 3 Minor convictions in the preceding 3 years 45. A risk with 2 chargeable accidents in the preceding 6 years and 2 Minor convictions in the preceding 3 years 46. A risk with 1 or more Serious convictions in the preceding 3 years 47. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 48. A risk with 5 or more Minor convictions in the preceding 3 years 49. Any operator with 3 or more Minor convictions in the preceding 3 years 50. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 51. A risk with 1 chargeable accident in the preceding 6 years and 2 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years 52. A risk with 1 chargeable accident in the preceding 6 years, and 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years 53. A risk with 3 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR LESS THAN 5 YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 54. A risk with 1 chargeable accident in the preceding 6 years Accept 55. A risk with 2 or more chargeable accidents in the preceding 6 years 56. A risk with 1 or more Serious convictions in the preceding 3 years 57. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 58. A risk with 2 or more Minor convictions in the preceding 3 years 59. A risk with 1 chargeable accident and 1 cancellation for non-payment of premium in the preceding 3 years 60. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 61. A risk with 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years Renewals: October 1,

84 SNOWMOBILES Note: Regardless of the percentage of chargeability assigned to an incident, all Chargeable Accidents are used to determine eligibility for Unica. RISKS INELIGIBLE FOR SECTION 7 LOSS OR DAMAGE COVERAGES: 62. Any snowmobile with unrepaired damage, including vehicles where a cash settlement was taken and the snowmobile has not been repaired 63. Snowmobiles involved in a total loss where the Insured has retained the Salvage 64. Any snowmobile that has been assigned a Rebuilt status. (Please refer to the additional requirements located under the General Information section) 65. Snowmobiles imported to/purchased outside of Canada without an acceptable current appraisal and Safety Standards Certificate 66. Any snowmobile 15 years of age and older without acceptable current photographs on file in the Broker s office RISKS INELIGIBLE FOR ALL PERILS, COMPREHENSIVE, AND SPECIFIED PERILS COVERAGE: 67. Any snowmobile where an OPCF 40 (Fire Deductible) has been applied/requested and the Named Insured has failed to supply a signed copy Renewals: October 1,

85 SNOWMOBILES * MINIMUM DEDUCTIBLE TABLE & COVERAGE LIMITATIONS Snowmobile Types Type Collision/All Perils Comprehensive Specified Perils All Min $300 Min $300 Min $300 Claims Frequency # of Claims Collision/All Perils Comprehensive Specified Perils 3 Non-Chargeable Collision claims in the preceding 6 years 3 Non-Chargeable Collision claims in the preceding 3 years 3 Comprehensive claims in the preceding 6 years (other than glass claims) 2 Chargeable Collision claims in the preceding 6 years (Applicable to renewals if the Principal Operator has been licensed 5 years or more) 2 nd Vandalism and / or Theft of vehicle and / or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) Min $5,000 N/A N/A Coverage N/A N/A All Perils Coverage Coverage Coverage Min $2,500 N/A N/A All Perils Coverage Coverage Coverage Note: o o Accessories, and cutters / sleds designed to be attached to and pulled behind a Snowmobile should be rated separately using the Snowmobile Accessories Extension Endorsement. See the Accessory Rates below. Trailers designed to tow the Snowmobile behind a Private Passenger Vehicle must be written and rated under the Utility Trailer classification. Renewals: October 1,

86 SNOWMOBILES RATES Bodily Injury TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year Engine Size - cc , Bodily Injury Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Bodily Injury Engine Size - cc PERFORMANCE Age Of Vehicle Based on Model Year , Apply the following Age Of Principal Operator factor to the above Bodily Injury rates: Age Of Principal Operator Renewals: October 1,

87 SNOWMOBILES Property Damage TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year Engine Size - cc , Property Damage Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Property Damage Engine Size - cc PERFORMANCE Age Of Vehicle Based on Model Year , Apply the following Age Of Principal Operator factor to the above Property Damage rates: Age Of Principal Operator Renewals: October 1,

88 SNOWMOBILES Accident Benefits TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year Engine Size - cc , Accident Benefits Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Accident Benefits Engine Size - cc PERFORMANCE Age Of Vehicle Based on Model Year , Apply the following Age Of Principal Operator factor to the above Accident Benefits rates: Age Of Principal Operator Renewals: October 1,

89 SNOWMOBILES Uninsured Auto TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year Engine Size - cc , Uninsured Auto Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Uninsured Auto Engine Size - cc PERFORMANCE Age Of Vehicle Based on Model Year , Apply the following Age Of Principal Operator factor to the above Uninsured Auto rates: Age Of Principal Operator Renewals: October 1,

90 SNOWMOBILES OPCF 44 TOURING, UTILITY, TRAIL / DEEP SNOW / MOUNTAIN, PERFORMANCE SPORT HYBRID / CROSSOVER Rates above are based on $1 million. To obtain rates for other limits, multiply the above rates by: Limit BI PD OPCF44 $200, $300, $500, $1,000, $2,000, OPTIONAL ACCIDENT BENEFITS STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Income Replacement (70% of gross) Max $400 per week Increased Income Replacement (70% of gross) Max $600 per week $120 Max $800 per week $240 Max $1000 per week $360 Medical, Rehabilitation & Attendant Care Option 1 : Med/Rehab/AC $130,000 Non-CAT Impairment : Combined Limit up to $65,000 CAT Impairment : Combined Limit up to $1,000,000 Optional Catastrophic Impairment Combined limit up to $130,000 in case of Non-CAT Impairment No increase to the standard benefit limit in case of CAT Impairment ($1M) Option 2 : Med/Rehab/AC $1,000,000 Combined limit up to $1,000,000 in case of Non-CAT Impairment Combined limit up to $2,000,000 in case of CAT Impairment Optional Catastrophic Impairment 10% of AB 19% of AB Combined Standard Med/Rehab/AC Limit up to $1,000,000 in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (Available only for Catastrophic Impairment) Caregiver: None Housekeeping & Home Maintenance: None Additional $1M added to Standard Med/Rehab/AC Benefit or Optional Med/Rehab/AC Benefit in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (for any category of injury) Caregiver : Up to $250/wk + $50/wk each additional dependant Housekeeping & Home Maintenance: $100/wk 5% of AB 20% of AB Renewals: October 1,

91 SNOWMOBILES STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Death & Funeral Death : $25,000-Spouse & $10,000- each Dependant : Funeral $6,000 Dependant Care None Indexation None Death & Funeral Death : $50,000-Spouse & $20,000 $25 each Dependant : Funeral $8,000 Dependant Care $75 per week + $25 per week for each 4% of AB additional Dependant up to max. $150/wk Indexation To Index Optional Accident Benefits, add 15% to the total Accident Benefit and Optional Accident Benefit premium charged (excluding Optional Increased Funeral and Death Benefits). The 15% factor for indexation should be applied to the mandatory Accident Benefit premium for the vehicle with the highest accident Benefit premium on the policy. Renewals: October 1,

92 SNOWMOBILES DCPD Deductible: $0 Engine Size - cc TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year , DCPD Deductible: $0 Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , DCPD Deductible: $0 Engine Size - cc Age Of Vehicle Based on Model Year PERFORMANCE , Apply the following Age Of Principal Operator factor to the above DCPD rates: Age Of Principal Operator Renewals: October 1,

93 SNOWMOBILES Collision Deductible: $300 Engine Size - cc TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year , Collision Deductible: $300 Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Collision Deductible: $300 Engine Size - cc Age Of Vehicle Based on Model Year PERFORMANCE , Apply the following Age Of Principal Operator factor to the above Collision rates: Age Of Principal Operator Renewals: October 1,

94 SNOWMOBILES Comprehensive Deductible: $300 TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year Engine Size - cc , Comprehensive Deductible: $300 Engine Size - cc DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Age Of Vehicle Based on Model Year , Comprehensive Deductible: $300 Engine Size - cc Age Of Vehicle Based on Model Year PERFORMANCE , Renewals: October 1,

95 SNOWMOBILES Specified Perils Deductible: $300 Engine Size - cc TOURING, UTILITY, TRAIL / SPORT Age Of Vehicle Based on Model Year , Specified Perils DEEP SNOW / MOUNTAIN, HYBRID / CROSSOVER Deductible: $300 Age Of Vehicle Based on Model Year Engine Size - cc , Specified Perils PERFORMANCE Deductible: $300 Age Of Vehicle Based on Model Year Engine Size - cc , Renewals: October 1,

96 SNOWMOBILES Apply the following Age of Principal Operator Factor to the above Coverages: Age Of Principal Operator Age Of Principal Operator All Coverages except Comprehensive and Specified Perils To obtain rates for higher deductibles, multiply the above rate by: Deductible DCPD Collision Comprehensive Specified Perils $ $ $750 N/A $1,000 N/A $1,500 N/A $2,000 N/A All Perils = 100% of Collision + 100% of Comprehensive Accessories & Cutters / Sleds Accessories Rate per $1,000 $25 Cutters / Sleds Rate per $1,000 $20 Renewals: October 1,

97 SNOWMOBILES APPLICABLE DISCOUNTS AND SURCHARGES DISCOUNT ELIGIBILITY AMOUNT CONVICTION FREE MISC VEHICLES: MULTI- VEHICLE - SNOW MOBILES MULTI-LINE MISC VEHICLES GROUP Where all operators assigned to the vehicle are conviction free within the last 3 years Where a Snowmobile and a Private Passenger Vehicle exists Vehicles are owned or leased by the Named Insured Note: This discount applies to the Snowmobile. Both the Snowmobile and the Private Passenger Automobile must carry road coverages, for the full term, and consistent limits of liability, for the discount to apply. The Multi-Line discount applies to the Snowmobile premiums of the Named Insured and their spouse when packaged with the Principal residence policy The discount can apply to more than one Snowmobile and can be applied midterm Snowmobile and Principal residence submissions must be issued to apply the discount (both policies must contain the cross reference policy number) For New Customers qualifying for the discount, the policy Expiration dates must be common to both the Snowmobile and Principal residence policies Package policy terms cannot exceed 12 months Members of groups meeting approved regulatory and company criteria will be eligible to receive this discount. Note: The 3% service fee for P.A.C. will not be charged on approved Groups. 10% 20% 10% 10% APPLICABLE SECTIONS TPL AB DCPD UA COLL/AP COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP Renewals: October 1,

98 SNOWMOBILES SURCHARGE ELIGIBILITY AMOUNT HIGH VALUED SNOWMOBILE CHARGEABLE CLAIMS Applicable to Snowmobiles greater than $20,000 in value (including taxes) 20% Applicable to Snowmobiles where chargeable losses on a Snowmobile have occurred in the last 6 years The surcharge is applied multiplicatively 10% for each chargeable loss APPLICABLE SECTIONS DCPD COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS SPECIFIED PERILS SHORT RATE TABLE FOR SNOWMOBILES Mandatory coverage cannot be deleted unless the vehicle is sold or substituted. For each month of cover, earned premium shall be calculated in accordance with the following earned premium schedule: January 25% July 0% February 25% August 0% March 15% September 0% April 0% October 0% May 0% November 10% June 0% December 25% Renewals: October 1,

99 ALL-TERRAIN VEHICLES An acceptable All-Terrain Vehicle (ATV) is a four wheel vehicle designed and manufactured specifically for use on rugged terrain. Unica requires all ATV policies to carry an OPCF 9 (Marine Use Excluded) and an OPCF 32 (Use of Recreational Vehicles by Unlicensed Operators). TYPES OF ALL-TERRAIN VEHICLES Unica rates All-Terrain Vehicles by type. Type is based on the IBC s VICC All-Terrain Vehicle classifications table. Lite Designed for children, Lite ATVs are much smaller than regular ATVs. They typically have engines under 150cc, but there are some ATVs categorized as Lite with engines up to 250cc. Unica does not insure Lite ATVs under 150cc. Recreational Designed for trail use, Recreational ATVs are the most common type of All-Terrain Vehicles. They are small in size, making them agile. They can be equipped with either a manual or automatic transmission, and offer seating for one or 2 people. Utility Designed for work or hunting, these vehicles are longer and heavier than Recreational ATVs. They feature larger engines and automatic transmissions to better support the hauling of cargo. Some Utility ATVs feature side-by-side seating. They can be equipped with racking, trailer hitches, winches or cargo boxes. Recreational / Utility These feature side-by-side seating with sporty looks. They are designed with more robust roll cages for better safety, and can be equipped with small snow plows and winches. Recreational / Utility ATVs can be used for either utility hauling or sport purposes. Heavy Duty Similar to Recreational / Utility ATVs, these vehicles have larger engines and frames to better accommodate even larger payloads. Heavy Duty ATVs are longer and heavier than other ATVs, and can be equipped with larger attachments such as plows, power loaders, dump buckets and tillers. This type of ATV can feature seating for 4, and / or 6 wheels. Renewals: October 1,

100 ALL-TERRAIN VEHICLES Sport Designed to be nimble and fast on the trail, they are light in weight, agile, with sleek styling. They feature responsive engines, smaller frames/bodies, and longer suspension travel to soak up the bumps, jumps and turns. Sport ATVs are available in either 2 or 4 wheel drive and are often used in competitions. Buggy These ATVs are similar in looks and concept to dune buggies in that they feature longer wheelbases for improved ride and handling, an engine which resides behind the driver, and a seating position that is much lower to the ground than other ATVs. Buggies typically have larger engines around 1000cc, although smaller Buggies with 200cc engines are also available. Unica does not insure Buggy ATVs. Renewals: October 1,

101 ALL-TERRAIN VEHICLES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT 1. Regular and frequent operator is less than 16 years old 2. The Principal Operator must be licensed in Canada / USA a minimum of 1 year, and must have a G2 or G class licence 3. The Applicant or listed operator has been cancelled or has had a claim denied for material misrepresentation or nondisclosure in the preceding 3 years 4. The Applicant or listed operator has knowingly misrepresented or failed to disclose in the application for insurance or when requesting a change to the existing policy any fact required to be stated, including give false particulars of the described automobile to the prejudice of the insurer 5. The Applicant or listed operator is the only licensed operator in the household and their driving status is suspended, unrenewable or unlicensed 6. The Applicant or listed operator has had a licence suspension in the preceding 3 years for an alcohol related conviction 7. The Applicant or listed operator has wilfully made a false statement in respect to a claim under the contract 8. The Applicant or listed operator has failed to provide all information or documentation required for the purpose of investigating or assessing a claim under a policy 9. The Applicant or listed operator fails to provide the necessary underwriting information as described in the OAF 1 to determine our loss exposure and properly rate the risk 10. The Applicant or listed operator has failed to notify the Insurer within 14 days of any material change (that is within the Insured s knowledge) on the information supplied in the original application for insurance, such as additional drivers, vehicle modifications, or a change in the way the vehicle is used 11. The Applicant refuses to provide a safety certificate or other evidence of mechanical fitness when the safe operation of the vehicle is in question 12. The Applicant or listed operator has been convicted of auto insurance fraud in the preceding 10 years 13. The Applicant or listed operator has permitted someone not authorized by law to drive or allowed an excluded driver to operate a vehicle when excluded under the OPCF 28A, in the preceding 3 years 14. Applicant refuses to provide a signed OPCF The Applicant, regular or frequent operator is not a resident of Ontario 16. All regular or frequent operators do not have valid Ontario Driver s licences 17. The Applicant or listed operator owes outstanding automobile premium to Unica Insurance Inc. 18. The behaviour of the Applicant or listed driver is abusive or threatening to the Insurer or Brokerage staff and the appropriate charge has been made with the police 19. Risks with multiple unrelated operators Renewals: October 1,

102 ALL-TERRAIN VEHICLES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) ALL- TERRAIN VEHICLE USE 20. All-Terrain Vehicles classified by the Insurance Bureau of Canada (VICC Table) as Buggy 21. All-Terrain Vehicles with a value in excess of $30,000 (Tax inclusive) 22. All-Terrain Vehicles with a cubic capacity of 150 cc or less 23. Where the Principal Operator is under 25 years of age and the All-Terrain Vehicle s cubic capacity is greater than 400 cc 24. All-Terrain Vehicles designed for use by children 25. All-Terrain Vehicles containing less than four wheels 26. All-Terrain Vehicles designed or built for racing or competition 27. Modified, home built or customized (modifications include, but are not limited to frame, suspension, engine or exhaust modifications, installation of turbo or superchargers or nitrous oxide, installation of automotive parts, custom paint jobs of any kind, or any customization or modification prohibited by law) 28. Where attached equipment changes the manufacturer s intended use of the All-Terrain Vehicle 29. All-Terrain Vehicles that have installed accessories valued at greater than $5,000 (Tax inclusive) 30. Powered by fuel other than gas or diesel 31. An All-Terrain Vehicle has failed a government inspection for roadworthiness ( Safety Standards Certificate ) 32. An All-Terrain Vehicle has been branded as Salvage and the Insured refuses to provide a government inspection Safety Standards Certificate, a copy of the Structural Inspection Certificate and current photographs of the vehicle 33. An All-Terrain Vehicle that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness. 34. An All-Terrain Vehicle that has unrepaired damage affecting the mechanical fitness and safety, where the Insured refuses to provide a Safety Standards Certificate or other evidence of mechanical fitness within 10 business days 35. All-Terrain Vehicles requiring Comprehensive or Specified Perils only, (carries no Liability coverage) 36. All-Terrain Vehicles written without mandatory road coverage 37. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 38. All-Terrain Vehicles registered in a business name 39. All-Terrain Vehicles permanently kept outside the Province of Ontario 40. The vehicle was not manufactured for sale or distribution in Canada / the USA 41. Risks with a USA exposure that cumulatively exceeds a period of 6 months 42. Vehicles that are not used and/or garaged in the Province of Ontario 43. The vehicle is used for racing, competition, timed road or speed tests, on a track or closed course of any kind, or is used for stunt riding or jumping 44. Used for purposes other than personal recreational use 45. All-Terrain Vehicles rented or leased to others Renewals: October 1,

103 ALL-TERRAIN VEHICLES RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: (continued) WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR 5 OR MORE YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 46. A risk with 2 chargeable accidents in the preceding 6 years Accept 47. A risk with 3 or more chargeable accidents in the preceding 6 years 48. A risk with 1 chargeable accident in the preceding 6 years and 3 Minor convictions in the preceding 3 years 49. A risk with 2 chargeable accidents in the preceding 6 years and 2 Minor convictions in the preceding 3 years 50. A risk with 1 or more Serious convictions in the preceding 3 years 51. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 52. A risk with 5 or more Minor convictions in the preceding 3 years 53. Any operator with 3 or more Minor convictions in the preceding 3 years 54. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 55. A risk with 1 chargeable accident in the preceding 6 years and 2 Minor convictions and 1 cancellation for non-payment of premium in the preceding 3 years 56. A risk with 1 chargeable accident in the preceding 6 years, and 1 Minor conviction and 2 cancellations for non-payment of premium in the preceding 3 years 57. A risk with 3 Minor convictions and 1 cancellation for nonpayment of premium in the preceding 3 years WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR LESS THAN 5 YEARS THE FOLLOWING RULES APPLY: NEW BUSINESS RENEWAL 58. A risk with 1 chargeable accident in the preceding 6 years Accept 59. A risk with 2 or more chargeable accidents in the preceding 6 years 60. A risk with 1 or more Serious convictions in the preceding 3 years 61. A risk with 1 or more Major convictions in the preceding 3 years, including making a false statement in the certificate of insurance required for the issuance, validation or transfer of a vehicle permit 62. A risk with 2 or more Minor convictions in the preceding 3 years Renewals: October 1,

104 ALL-TERRAIN VEHICLES WHERE THE PRINCIPAL OPERATOR HAS BEEN LICENSED IN CANADA / USA FOR LESS THAN 5 YEARS THE FOLLOWING RULES APPLY: (continued) 63. A risk with 1 chargeable accident and 1 cancellation for nonpayment of premium in the preceding 3 years 64. A risk with 3 or more cancellations for non-payment of premium in the preceding 3 years 65. A risk with 1 Minor conviction and 2 cancellations for nonpayment of premium in the preceding 3 years NEW BUSINESS RENEWAL Note: Regardless of the percentage of chargeability assigned to an incident, all Chargeable Accidents are used to determine eligibility for Unica. RISKS INELIGIBLE FOR SECTION 7 LOSS OR DAMAGE COVERAGES: 66. Any All-Terrain Vehicle with unrepaired damage, including All-Terrain Vehicles where a cash settlement was taken and the All-Terrain Vehicle has not been repaired 67. Any All-Terrain Vehicle involved in a total loss where the Insured has retained the Salvage 68. Any All-Terrain Vehicle that has been assigned a Rebuilt status. (Please refer to the additional requirements located under the General Information section) 69. All-Terrain Vehicles imported to/purchased outside of Canada without an acceptable current appraisal and Safety Standards Certificate 70. Any All-Terrain Vehicle 15 years of age and older without acceptable current photographs on file in the Broker s office RISKS INELIGIBLE FOR ALL PERILS, COMPREHENSIVE, AND SPECIFIED PERILS COVERAGE 71. Any All-Terrain Vehicle where an OPCF 40 (Fire Deductible) has been applied/requested and the Named Insured has failed to supply a signed copy Renewals: October 1,

105 ALL-TERRAIN VEHICLES MINIMUM DEDUCTIBLE TABLE & COVERAGE LIMITATIONS All-Terrain Vehicle Values Value $ Collision/All Perils Comprehensive Specified Perils 0-30,000 Min $300 Min $300 Min $300 Over 30,000 DECLINE Claims Frequency # of Claims Collision/All Perils Comprehensive Specified Perils 3 Non-Chargeable Collision claims in the preceding 6 years 3 Non-Chargeable Collision claims in the preceding 3 years 3 Comprehensive claims in the preceding 6 years (other than glass claims) 2 Chargeable Collision claims in the preceding 6 years (Applicable to renewals if the Principal Operator has been licensed 5 years or more) 2 nd Vandalism and / or Theft of vehicle and / or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) Min $5,000 N/A N/A Coverage N/A N/A All Perils Coverage Coverage Coverage Min $2,500 N/A N/A All Perils Coverage Coverage Coverage Renewals: October 1,

106 ALL-TERRAIN VEHICLES RATES Select the appropriate base premium below depending on the liability limit and age of driver. For a different limit, see next table below. Age of Principal Operator $1 million Liability Limit Bodily Injury Property Damage OPCF44 $2 million Liability Limit $1 million Liability Limit $1 million Liability Limit $2 million Liability Limit $2 million Liability Limit For a different liability limit, multiply the $1 million limit premium above by the appropriate factor below: Limit BI PD OPCF44 $200, $300, $500, Multiply the base premium above by the appropriate vehicle adjustment factor: Body Type: Coverage Other than Sport Sport BI PD OPCF Select the appropriate base premium below depending on the age of driver. Age of Principal Operator Accident Benefits Uninsured Auto Renewals: October 1,

107 ALL-TERRAIN VEHICLES Multiply the above premium by the appropriate vehicle adjustment factor: AB Body Type Engine Size cc Other than Sport Sport UA Body Type Engine Size cc Other than Sport Sport Renewals: October 1,

108 ALL-TERRAIN VEHICLES OPTIONAL ACCIDENT BENEFITS STANDARD BENEFITS OPTIONAL INCREASES AVAILABLE PREMIUM Income Replacement (70% of gross) Max $400 per week Increased Income Replacement (70% of gross) Max $600 per week $120 Max $800 per week $240 Max $1000 per week $360 Medical, Rehabilitation & Attendant Care Option 1 : Med/Rehab/AC $130,000 Non-CAT Impairment : Combined Limit up to $65,000 CAT Impairment : Combined Limit up to $1,000,000 Optional Catastrophic Impairment Combined limit up to $130,000 in case of Non-CAT Impairment No increase to the standard benefit limit in case of CAT Impairment ($1M) Option 2 : Med/Rehab/AC $1,000,000 Combined limit up to $1,000,000 in case of Non-CAT Impairment Combined limit up to $2,000,000 in case of CAT Impairment Optional Catastrophic Impairment 10% of AB 19% of AB Combined Standard Med/Rehab/AC Limit up to $1,000,000 in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (Available only for Catastrophic Impairment) Caregiver: None Housekeeping & Home Maintenance: None Additional $1M added to Standard Med/Rehab/AC Benefit or Optional Med/Rehab/AC Benefit in case of CAT impairment Caregiver, Housekeeping & Home Maintenance (for any category of injury) Caregiver : Up to $250/wk + $50/wk each additional dependant Housekeeping & Home Maintenance: $100/wk 5% of AB 20% of AB Death & Funeral Death : $25,000-Spouse & $10,000- each Dependant : Funeral $6,000 Dependant Care None Indexation None Death & Funeral Death : $50,000-Spouse & $20,000 $25 each Dependant : Funeral $8,000 Dependant Care $75 per week + $25 per week for each 4% of AB additional Dependant up to max. $150/wk Indexation To Index Optional Accident Benefits, add 15% to the total Accident Benefit and Optional Accident Benefit premium charged (excluding Optional Increased Funeral and Death Benefits). The 15% factor for indexation should be applied to the mandatory Accident Benefit premium for the vehicle with the highest accident Benefit premium on the policy. Renewals: October 1,

109 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Direct Compensation Deductible: 0 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: DCPD TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

110 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Direct Compensation Deductible: 300 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: DCPD TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

111 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Direct Compensation Deductible: 500 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: DCPD TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

112 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Collision Deductible: 300 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: COLLISION TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

113 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Collision Deductible: 500 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: COLLISION TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

114 ALL-TERRAIN VEHICLES Select the appropriate base premium depending on the age of driver, the List Price New of the vehicle and the selected deductible: Collision Deductible: 1000 Rate Age of Principal Operator List Price New Group Multiply the base premium above by the appropriate vehicle adjustment factor: COLLISION TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT Renewals: October 1,

115 ALL-TERRAIN VEHICLES COMPREHENSIVE DEDUCTIBLE SPECIFIED PERILS DEDUCTIBLE LIST PRICE NEW RG $300 $500 $1,000 LIST PRICE NEW RG $300 $500 $1, Multiply the base premium above by the appropriate vehicle adjustment factor: COMPREHENSIVE / SPECIFIED PERILS VEHICLE TYPE FACTOR TYPE AGE OF VEHICLE BASED ON MODEL YEAR OTHER THAN SPORT SPORT ALL PERILS = 100% of Collision + 100% of Comprehensive Renewals: October 1,

116 ALL-TERRAIN VEHICLES APPLICABLE DISCOUNTS AND SURCHARGES DISCOUNTS ELIGIBILITY AMOUNT CONVICTION FREE MISC VEHICLES: MULTI- VEHICLE - ATVs MULTI-LINE ATV Where all operators assigned to the vehicle are conviction free within the last 3 years Applies to Private Passenger Automobiles, Motorhomes and All-Terrain Vehicles Where an All-Terrain Vehicle and a Private Passenger vehicle exist Vehicles are owned or leased by the Named Insured Note: This discount applies to the All-Terrain Vehicle. Both the All-Terrain Vehicle and the Private Passenger Automobile must carry full road coverages, for the full term, and consistent limits of liability, for the discount to apply. The Multi-Line discount applies to the All- Terrain Vehicle premiums of the Named Insured and their spouse when packaged with the Principal residence policy The discount can apply to more than one All- Terrain Vehicle and can be applied midterm All-Terrain Vehicle and Principal residence submissions must be issued to apply the discount (both policies must contain the cross reference policy number) For New Customers qualifying for the discount, the policy Expiration dates must be common to both the All-Terrain Vehicle and Principal residence policies Package policy terms cannot exceed 12 months 10% 20% 10% APPLICABLE SECTIONS TPL AB DCPD UA COLL/AP COMP/SP TPL AB DCPD UA COLLISION COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP SURCHARGE ELIGIBILITY AMOUNT CHARGEABLE CLAIMS Applicable to Snowmobiles and All-Terrain Vehicles where chargeable losses on a Snowmobile or All-Terrain Vehicle have occurred in the last 6 years The surcharge is applied multiplicatively 10% for each chargeable loss APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS SPECIFIED PERILS Renewals: October 1,

117 ALL-TERRAIN VEHICLES SHORT RATE TABLE FOR ALL-TERRAIN VEHICLES Mandatory coverage cannot be deleted unless the vehicle is sold or substituted. For each month of cover, earned premium shall be calculated in accordance with the following earned premium schedule: January 0% July 20% February 0% August 20% March 5% September 10% April 10% October 5% May 10% November 0% June 20% December 0% Renewals: October 1,

118 TRAILERS A trailer is a vehicle without a motor, designed to be used with and towed behind a private passenger rated vehicle, and has a Gross Vehicle Weight of 4,500kg or less. Trailers are designed to provide temporary living quarters for recreation, camping and travel use. Trailers are written only in conjunction with a Private Passenger automobile. TYPES OF TRAILERS Cabin/House Trailer Constructed with solid walls, it is equipped for living purposes for camping trips and/or vacations. It does not fold down to be towed. This category does not include motor homes. 5 th Wheel Unit Constructed with the raised forward section, allowing a bi-level floor plan, but it can be equipped the same as the conventional travel trailer. It is designed to be towed by an automobile equipped with the fifth wheel hitch. Tent Trailer It is equipped for living purposes. It does fold down to be towed. Utility Trailer This category includes trailers used for transporting personal goods. These types of trailers can be home made or factory purchased. Camper Slide In Unit A separately constructed removable unit for living accommodation, mounted on the body of a pick-up truck. Horse Trailer Trailers designed specially to transport horses. We do not insure horse Trailers that can carry more than 2 (two) horses. Renewals: October 1,

119 TRAILERS RULES FOR DECLINING TO ISSUE NEW BUSINESS, TERMINATING OR REFUSING TO RENEW A CONTRACT ARE: APPLICANT TRAILER/ CAMPER UNIT USE 1. A Principal Operator licensed in Canada / USA less than 5 years with a G1, G2, or G Class licence 2. Any trailer or camper unit not written in conjunction with an eligible Private Passenger automobile 3. A trailer or camper unit being towed/carried by a vehicle with a gross weight in excess of 4,500kg 4. Trailers or camper units exceeding 20 feet in length 5. Utility, boat, tent, or horse trailers with a value in excess of $25, Trailers and camper units with a value in excess of $50, A horse trailer that can carry more than 2 horses 8. The vehicle has an expired Ontario licence plate or is not plated or registered in Ontario 9. Trailers mounted on a permanent foundation 10. Home made trailers (does not include utility trailers) or camper units 11. A unit, which has not been originally manufactured as a trailer or camper unit other than a utility trailer 12. A trailer or camper unit that has been branded as Salvage and the Insured refuses to provide a government inspection Safety Standards Certificate, a copy of the Structural Inspection Certificate and current photographs of the vehicle 13. Any trailer or camper unit with unrepaired damage, including trailers / camper units where a cash settlement was taken and the trailer / camper unit has not been repaired 14. Trailers or camper units imported to/purchased outside of Canada without an acceptable current appraisal 15. A trailer or camper unit that is deemed unsafe or unfit as determined by a Safety Standards Certificate or other evidence of mechanical fitness 16. A trailer or camper unit that has unrepaired damage affecting the mechanical fitness and safety, where the insured refuses to provide a Safety Standards Certificate or other evidence of mechanical fitness within 10 business days. 17. Any trailer or camper unit 20 years or older without an acceptable current appraisal and photographs 18. The vehicle was not manufactured for sale or distribution in Canada / the USA 19. A trailer or camper unit used for purposes other than pleasure use only 20. Trailers or camper units used for any business or commercial use 21. Cumulative USA exposure exceeding a period of 6 months in a year 22. Trailer(s) that are not used and/or garaged in the province of Ontario 23. Trailers or camper units permanently located in a trailer park 24. A trailer or camper unit used for residential purposes (other than standard use for vacation) 25. Trailers rented or leased to others 26. Trailer or camper unit used to carry people or animals (exception is horse trailers) RISKS INELIGIBLE FOR SECTION 7 LOSS OR DAMAGE COVERAGES: 27. Any trailer or camper unit that has been assigned a Rebuilt status. (Please refer to the additional requirements located under the General Information section) 28. Any trailer or camper unit where an OPCF 19 (Limiting Amount Paid for Loss or Damage Coverage), has been requested and the Named Insured has failed to supply a signed copy Renewals: October 1,

120 TRAILERS * MINIMUM DEDUCTIBLE TABLE & COVERAGE LIMITATIONS Trailer & Camper Unit Values Value $ Collision Comprehensive Specified Perils 0-25,000 Min $300 Min $300 Min $300 25,001 50,000 Min $500 Min $500 Min $500 Over 50,000 DECLINE Claims Frequency # of claims per trailer/camper unit 3 Non-Chargeable Collision claims in the preceding 6 years 3 Non-Chargeable Collision claims in the preceding 3 years 3 Comprehensive claims in the preceding 6 years (other than glass claims) 2 Chargeable Collision claims in the preceding 6 years (Applicable to renewals if the Principal Operator has been licensed 5 years or more 2 nd Vandalism and / or Theft of vehicle and / or Fire claim within 6 years (unless satisfactory evidence of loss prevention has been provided to the Company) Collision Comprehensive Specified Perils Min $5,000 N/A N/A Coverage N/A N/A N/A Coverage Coverage Min $2,500 N/A N/A N/A Coverage Coverage If it is desired to insure a trailer for Comprehensive or Specified Perils only, we will only do so if we have written assurance that the trailer is not parked on a camp site and used as a seasonal dwelling. Renewals: October 1,

121 TRAILERS RATES When rating camper units, the pick-up truck must be described as one vehicle and rated as per Private Passenger Rates. The camper must be treated as a separate vehicle and rated as per table under Camper Slide in Unit. NOTE: The maximum value for Utility, Tent or Horse Trailers is $25,000 Cabin / House Trailer, 5th Wheel Unit, Tent / Utility / Horse Trailer Direct Compensation Collision Comprehensive Specified Perils Rate Deductible Deductible Deductible Deductible List Price New group Renewals: October 1,

122 TRAILERS Cabin / House Trailer, 5th Wheel Unit, Tent / Utility / Horse Trailer Direct Compensation Collision Comprehensive Specified Perils Rate Deductible Deductible Deductible Deductible List Price New group Renewals: October 1,

123 TRAILERS To obtain rates for deductibles greater than $500, multiply the $300 deductible rate by: Deductible Collision Comprehensive Specified Perils $1, $2, $5, $10, ALL PERILS is not available for Trailers Renewals: October 1,

124 TRAILERS Specified Collision Comprehensive Camper in slide unit Perils Rate Deductible Deductible Deductible List Price New group Renewals: October 1,

125 TRAILERS Specified Collision Comprehensive Camper in slide unit Perils Rate Deductible Deductible Deductible List Price New group To obtain rates for deductibles greater than $500, multiply the $300 deductible rate by: Deductible Collision Comprehensive Specified Perils $1, $2, $5, $10, APPLICABLE DISCOUNTS AND SURCHARGES ALL PERILS is not available for Trailers TPL loading applies: $7.00 No Discounts or Surcharges apply. Renewals: October 1,

126 DISCOUNTS & SURCHARGES DISCOUNTS To quote manually by using the online rate pages, first apply the applicable Age Multiplier, with any applicable deductible factors in order to establish the appropriate premium. This premium becomes the base premium. Once this step is complete you can apply the applicable discounts / surcharges one at a time to the descending / ascending base premium. Discounts Private Passenger Automobile ELIGIBILITY FOR DISCOUNTS Collector Car Motorhomes Snowmobiles ATV Trailers Anti-Theft Conviction Free Driver s Training Graduated Licensing Group Loyalty Multi Line Multi Vehicle New Business Stability Retiree Student Away At School Winter Tires Surcharges Private Passenger Automobile ELIGIBILITY FOR SURCHARGES Collector Car Chargeable Claims Convictions High Valued Snowmobile Lapse of Insurance Motorhomes Snowmobiles ATV Trailers New Business: December 10, 2016 Renewals: January 10,

127 DISCOUNTS & SURCHARGES DISCOUNT PRIVATE PASSENGER ELIGIBILITY AMOUNT ANTI-THEFT CONVICTION FREE DRIVER S TRAINING Applicable to Private Passenger Automobiles only Applicable to vehicles equipped with either: An aftermarket immobilizer; and / or VIN engraving; and / or An aftermarket monitored satellite tracking device Must be professionally installed Must maintain servicing agreement for tracking devices Not applicable to factory installed devices such as On- Star Only one Active device and one Passive device will be considered for each vehicle. The most advantageous device for the client will be used for each category. The discount for the Active device and the Passive device can be added together: Anti-Theft Discount = Active Device discount + Passive Device discount Note: Copy of installation certificate and / or service agreement required. Please refer to the General Information section of the manual for additional information on Anti-Theft Devices. Where all operators assigned to the vehicle are conviction free within the last 3 years Applies to Private Passenger Automobiles and Motorhomes Applies to newly licensed drivers who have passed a government approved Driver s Training course Driver s training course must have been completed in the last 3 years Applies to Private Passenger Automobiles where the Principal Operator has a Driver s Training Certificate Applies to the Underage Occasional Operator charge where an Underage Occasional Operator has a Driver s Training Certificate. Not applicable where the Ministry of Transportation has mandated that a driver must successfully complete a Driver s Training Course Note: This discount is only applicable for the first 3 years after completion of the course. If a driver has, for example, 1 year of insurance elsewhere, when that driver s insurance with Unica takes effect, the 2 nd year 17.5% discount will apply. Active Device: Immobilizer 5% Tracking Device 10% Passive Device: Engraving 5% 15% 1 st Year 25% 2 nd Year 17.5% 3 rd Year 10% APPLICABLE SECTIONS ALL PERILS (COMP PORTION ONLY) COMP/SP TPL AB DCPD UA COLL/AP COMP/SP TPL AB DCPD UA COLLISION ALL PERILS (COLLISION PORTION ONLY) New Business: December 10, 2016 Renewals: January 10,

128 DISCOUNTS & SURCHARGES DISCOUNT PRIVATE PASSENGER ELIGIBILITY AMOUNT GRADUATED LICENSING GROUP LOYALTY MISC VEHICLES: MULTI- VEHICLE - ATVS MISC VEHICLES: MULTI - VEHICLE - COLLECTOR CAR For the first year (G2 level) drivers will receive a reduction of 10%. Fully licensed (G level) drivers who have progressed through the Graduated Licensing system will also receive a reduction of 10% for the first year at this level. This discount will apply provided the driver has no convictions in the past 3 years or chargeable claims in the past 6 years. Members of groups meeting approved regulatory and company criteria will be eligible to receive this discount. Note: The 3% service fee for P.A.C. will not be charged on approved Groups. Applicable where the Named Insured s Private Passenger Automobile has been continuously insured with Unica for the preceding 3 years Discount is applicable in the 4 th year with Unica Note: This discount will also apply to the premium associated with Occasional Underage Male or Female Operators. Where an All-Terrain Vehicle and a Private Passenger Automobile exist Vehicles are owned or leased by the Named Insured Note: This discount applies to the All-Terrain Vehicle. Both the All-Terrain Vehicle and the Private Passenger Automobile must carry full road coverages, for the full term, and consistent limits of liability, for the discount to apply. Where two or more Collector vehicles exist, or where a Collector vehicle and a Private Passenger Automobile exist Vehicles are owned or leased by the Named Insured Not applicable to Principal Operators under 30 years of age Note: This discount applies to the Collector Car(s). Both vehicles must carry full road coverages, for the full term, for the discount to apply. 10% As Approved 4 th Year With Unica 2.5% 5 th + Years With Unica 5% 20% 10% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS (COLLISION PORTION ONLY) TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION COMP/SP TPL AB DCPD UA COLLISION COMP New Business: December 10, 2016 Renewals: January 10,

129 DISCOUNTS & SURCHARGES DISCOUNTS PRIVATE PASSENGER ELIGIBILITY AMOUNT MISC VEHICLES: MULTI- VEHICLE - SNOW MOBILES MULTI-LINE Where a Snowmobile and a Private Passenger Automobile exists Vehicles are owned or leased by the Named Insured Note: This discount applies to the Snowmobile. Both the Snowmobile and the Private Passenger Automobile must carry full road coverages, for the full term, and consistent limits of liability, for the discount to apply. The Multi-Line discount applies to the Private Passenger Automobile premiums of the Named Insured and their spouse when packaged with the Principal residence policy The discount can apply to more than one Private Passenger Automobile and can be applied midterm Private Passenger Automobile and Principal residence submissions must be issued to apply the discount (both policies must contain the cross reference policy number) For New Customers qualifying for the discount, the policy Expiration dates must be common to both the Private Passenger Automobile and Principal residence policies Package policy terms cannot exceed 12 months 20% 15% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP MULTI-LINE MISC VEHICLES Note: This discount will also apply to the premium associated with Occasional Underage Male or Female Operator. The Multi-Line discount applies to the All-Terrain Vehicle / Snowmobile premiums of the Named Insured and their spouse when packaged with the Principal residence policy The discount can apply to more than one All-Terrain Vehicle / Snowmobile and can be applied midterm All-Terrain Vehicle / Snowmobile and Principal residence submissions must be issued to apply the discount (both policies must contain the cross reference policy number) For New Customers qualifying for the discount, the policy Expiration dates must be common to both the All-Terrain Vehicle / Snowmobile and Principal residence policies Package policy terms cannot exceed 12 months 10% TPL AB DCPD UA COLLISION ALL PERILS COMP/SP New Business: December 10, 2016 Renewals: January 10,

130 DISCOUNTS & SURCHARGES DISCOUNTS PRIVATE PASSENGER ELIGIBILITY AMOUNT NEW BUSINESS STABILITY PRIVATE PASSENGER MULTI- VEHICLE RETIREE Applicable where the Named Insured s Private Passenger Automobile has been continuously insured with their previous insurer for the preceding 4 years None of the listed operators have a chargeable loss with their prior carrier in the last 4 years Applied to the New Business policy with Unica and continues for 3 subsequent years Note: This discount will also apply to the premium associated with Occasional Underage Operator. Where two or more Private Passenger Automobiles exist, or a Private Passenger Automobile and a Collector Car exist The Named Insured and spouse must be living in the same household The vehicles are owned or leased by the Named Insured or spouse Note: This discount will not apply to vehicles carrying only Comprehensive or Specified Perils coverage, but will remain in effect on all other Private Passenger Automobiles with mandatory or full coverage. The Retiree Declaration must be completed and signed. To qualify for the Retiree discount, the Principal operator of the automobile to which the discount is applied must: (a) Be retired; and not earn or receive income from any office or employment; and not be engaged in any professional occupation; and not be operating a business; and not have been employed for 26 weeks or more in the last 52 weeks; and (b) Be age 65 or older; or be in receipt of a pension under the Canada Pension Plan or the Quebec Pension Plan; or be in receipt of a pension registered under the Income Tax Act of Canada New Business 5% 1 st Year Renewal 5% 2 nd Year Renewal 5% 3 rd Year Renewal 2.5% 15% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP 5% AB New Business: December 10, 2016 Renewals: January 10,

131 DISCOUNTS & SURCHARGES DISCOUNTS PRIVATE PASSENGER ELIGIBILITY AMOUNT STUDENT AWAY AT SCHOOL WINTER TIRES A credit of 50% off the published Occasional Underage Operator premiums is permitted when the occasional underage operator resides away from home while attending college or university and does not operate the insured vehicle. The student must be able to provide proof that they are attending college or university (Student ID card), their temporary address and must be living in excess of 161 km (100 miles) from where the vehicle is garaged, in order for this discount to apply. Note: When there is more than one Occasional Underage Operator in the household, of which any one resides at home, full-published premium applies. Applicable to vehicles equipped with 4 snow tires continuously between November and March To be rated as winter tires, the tires must be marked with the peaked mountain and snowflake symbol, as qualified by Transport Canada. Mud And Snow (M+S) or All Season tires do not qualify 50% 5% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS (COLLISION PORTION ONLY) TPL AB DCPD UA COLLISION ALL PERILS COMP/SP New Business: December 10, 2016 Renewals: January 10,

132 DISCOUNTS & SURCHARGES SURCHARGE ELIGIBILITY AMOUNT CHARGEABLE CLAIMS CONVICTIONS HIGH VALUED SNOWMOBILE LAPSE OF INSURANCE FOR NON- PAYMENT OF PREMIUM Applicable to Snowmobiles and All-Terrain Vehicles where chargeable losses on a Snowmobile or All- Terrain Vehicle have occurred in the last 6 years The surcharge is applied multiplicatively Applicable to Minor convictions incurred in the last 3 years Considers the cumulative number of convictions of all operators assigned to the vehicle Applies to Private Passenger Automobiles and Motorhomes Note: This surcharge does not supersede the Eligibility rules. Applicable to Snowmobiles greater than $20,000 in value (including taxes) Applicable where there has been a rateable lapse in insurance coverage for 30 days or more, which results from: The termination of a policy of automobile insurance as a result of the insured person's failure to pay the premiums due under the policy. Applies to Private Passenger Automobiles and Motorhomes This surcharge will apply for 1 full year once coverage is resumed. Note: In order for this surcharge not to apply, the Insured must have had coverage with another insurer for a full 12 months since the lapse. 10% for each chargeable loss 1 st Minor: 0% 2 nd Minor 15% Additional Minor: +15% each 20% 55% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS SPECIFIED PERILS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP DCPD COLLISION ALL PERILS COMP/SP TPL AB DCPD UA COLLISION ALL PERILS COMP/SP New Business: December 10, 2016 Renewals: January 10,

133 DISCOUNTS & SURCHARGES SURCHARGE ELIGIBILITY AMOUNT LAPSE OF INSURANCE FOR CAUSES OTHER THAN NON- PAYMENT OF PREMIUM Applicable where there has been a rateable lapse in insurance coverage for 30 days or more, which results from: The suspension of the insured person's driver's licence as a result of a conviction for an offence related to the use or operation of an automobile, or An accident or a conviction for an offence related to the use or operation of an automobile, if the insured person did not inform the insurer of the accident or conviction and the accident or conviction would likely have led to the insured person being charge a higher premium, or The insured person operated a motor vehicle or caused or permitted the motor vehicle to be operated without insurance during the lapse in coverage. Applies to Private Passenger Automobiles and Motorhomes This surcharge will apply for 1 full year once coverage is resumed. 72.5% APPLICABLE SECTIONS TPL AB DCPD UA COLLISION ALL PERILS COMP/SP Note: In order for this surcharge not to apply, the Insured must have had coverage with another insurer for a full 12 months since the lapse. New Business: December 10, 2016 Renewals: January 10,