RBC CASH BACK PREFERRED WORLD ELITE MASTERCARD CERTIFICATE OF INSURANCE

Transcription

1 RBC CASH BACK PREFERRED WORLD ELITE MASTERCARD CERTIFICATE OF INSURANCE Auto Retal Collisio/Loss Damage Isurace Purchase Security & Exteded Warraty Isurace Collectio ad Use of Persoal Iformatio IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel.

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3 AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace, keep it i a safe place ad carry it with you whe you travel. INTRODUCTION Aviva Geeral Isurace Compay (referred to i this Certificate as the Isurer ) has issued group isurace policy F A to Royal Bak of Caada ( Royal Bak ) to cover expeses related to Auto Retal Collisio/Loss or Damage. All covered persos are cliets of the Isurer. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, call: toll-free from the US & Caada or collect from aywhere i the world. HELPFUL INFORMATION ABOUT AUTO RENTAL COLLISION/LOSS DAMAGE INSURANCE This Certificate of Isurace does ot cover third party liability coverage. Check with your persoal automobile isurer ad the retal agecy to esure that you ad all other drivers have adequate third party liability, persoal ijury ad damage to property coverage. This isurace is effective whe the full cost of your retal vehicle issued by a retal agecy is paid with your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that retal vehicle must be paid usig your RBC Cash Back Preferred World Elite Mastercard card i order to be covered. The legth of time you ret the same vehicle must ot exceed forty-eight (48) cosecutive days, which shall follow oe immediately after the other. I order to break the cosecutive day cycle, a full caledar date must exist betwee retal periods. Coverage may ot be exteded for more tha forty-eight (48) cosecutive days by reewig or takig out a ew retal agreemet with the same or aother retal agecy for the same vehicle or aother vehicle. If the covered perso does ot declie the retal agecy s CDW optio or its equivalet, this Certificate of Isurace is secodary coverage ad will cover the deductible amout i the evet of a claim. Most vehicles are covered by this Certificate of Isurace, but there are some exclusios. (A list of vehicles excluded from this coverage is outlied i the sectio What is ot covered? ). Coverage is available except where prohibited by law. Check the retal vehicle carefully for scratches or dets before ad after you drive the vehicle. Be sure to poit out where the scratches or dets are located to a retal agecy represetative. If the vehicle has sustaied damage of ay kid, call (i Caada or the Uited States) or (905) (collect) immediately. Do ot sig a blak sales draft to cover the damage ad loss of use charges or a sales draft with a estimated cost of repair ad loss of use charges. The retal aget may make a claim o your behalf to recover repair ad loss of use charges by followig the procedures outlied i the sectio What should you do if you have a claim? Claims must be reported withi forty-eight (48) hours of the loss/damage occurrig by callig (whe i Caada or the Uited States) or (905) (collect). It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. 1

4 DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Cash Back Preferred World Elite Mastercard card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Cash Back Preferred World Elite Mastercard card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Car sharig meas a car retal club that gives its members twety-four (24)-hour access to a fleet of cars parked i a coveiet locatio. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Cash Back Preferred World Elite Mastercard card as the co-applicat, ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. Covered perso meas: 1. The applicat or additioal cardholder, who presets i perso at the retal agecy, sigs the retal cotract ad takes possessio of the retal vehicle. A covered perso may be referred to as you or your or yourself. 2. Ay other perso who drives the same retal vehicle with your permissio whether or ot such perso has bee listed o the retal vehicle cotract or has bee idetified to the retal agecy at the time of makig the retal. However, you ad all drivers must otherwise qualify uder ad follow the terms of the retal cotract ad must be legally licesed ad permitted to drive the retal vehicle uder the laws of the jurisdictio i which the retal vehicle shall be used. Loss of use meas the amout paid to a retal agecy to compesate it whe a retal vehicle is uavailable for retal while udergoig repairs for damage icurred durig the retal period. Mii-va meas a va made by a automobile maufacturer ad classified by the maufacturer or a govermet authority as a mii-va made to trasport a maximum of eight (8) people icludig the driver ad which are used exclusively for the trasportatio of passegers ad their luggage. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Retal agecy (or retal agecies) meas a vehicle retal agecy licesed to ret vehicles ad which provides a retal agreemet. For greater certaity, throughout this Certificate of Isurace, the terms retal compay ad retal agecy refer to both traditioal vehicle retal agecies ad car sharig programs. Retal agecy s CDW meas a optioal Collisio Damage Waiver ( CDW ) or similar waiver offered by retal compaies ad retal agecies that relieves reters of fiacial resposibility if the vehicle is damaged or stole while uder retal cotract. The retal agecy s CDW is ot isurace. Tax-free car meas a tax-free car package that provides tourists with a short-term (sevetee (17) days to six (6) moths) tax-free vehicle lease agreemet with a guarateed buyback. The Isurer will ot provide coverage for tax-free cars. WHEN DOES COVERAGE BEGIN AND END? Upo takig possessio of the retal vehicle, coverage begis whe: 1. You use your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits to pay for the etire cost of the retal from a retal agecy. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of that retal must be paid usig your RBC Cash Back Preferred World Elite Mastercard card i order to be covered. 2

5 2. You declie the retal agecy s CDW optio or similar coverage offered by the retal agecy o the retal cotract. If there is o space o the vehicle retal cotract for you to idicate that you have declied the coverage, the idicate i writig o the cotract I declie CDW provided by this merchat. (Note: If you decide to purchase the retal agecy s CDW optio or similar coverage, the this Certificate of Isurace will oly cover your deductible i the evet of a claim provided all terms ad coditios of this coverage are met.) Coverage eds idividually, for each covered perso, o the earliest of: 1. The date ad time the retal agecy reassumes cotrol of the retal vehicle; 2. The date upo which your retal period exceeds forty-eight (48) cosecutive days or your retal period is exteded for more tha forty-eight (48) cosecutive days by reewig or takig out a ew retal agreemet with the same or aother retal agecy for the same vehicle or other vehicles; 3. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to travel arragemets charged to your RBC Cash Back Preferred World Elite Mastercard card prior to the cacellatio date of the group isurace policy; 4. The date your RBC Cash Back Preferred World Elite Mastercard accout is sixty (60) days past due; 5. The date your RBC Cash Back Preferred World Elite Mastercard card is cacelled or card privileges are otherwise termiated; 6. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Cash Back Preferred World Elite Mastercard card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? Whe you pay for the etire cost of the retal vehicle usig your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits, this Certificate of Isurace covers you ad/ or a retal agecy for loss/damages up to the actual cash value of the damaged or stole retal vehicle, as well as valid retal agecy towig ad loss of use charges whe the coditios described i this Certificate of Isurace are met. This isurace coverage is available o a twety-four (24)-hour basis uless precluded by law or the coverage is i violatio of the terms of the retal cotract i the jurisdictio i which it was formed (other tha uder What is ot covered? #8 (a), (b) or (c). This coverage is primary isurace, except i the followig circumstaces: if the covered perso decides to purchase the retal agecy s CDW optio or its equivalet; or i such circumstaces where the applicable govermet isurace legislatio states otherwise. The followig types of retal vehicles are covered: All cars, sport utility vehicles, ad mii-vas except those listed i the sectio What is ot covered? Also, Retal vehicles that are part of prepaid travel packages are also covered if the total package was paid by your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits; You are covered if you receive a free retal as a result of a promotio where you have had to make previous vehicle retals ad if each such previous retal was etirely paid for with your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits; You are covered if you receive a free retal day(s) as a result of a RBC Rewards program for the umber of days of free retal. If the free retal day(s) are combied with retal days for which you pay the egotiated rate, this etire balace must be paid with your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits. 3

6 WHAT IS NOT COVERED? The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. A replacemet vehicle for which your persoal automobile isurace is coverig all or part of the cost of the retal; 2. Third party liability (which meas you ijure someoe else or damage their property i a motor vehicle accidet); 3. Your persoal ijury; 4. Damage to property, (except the retal vehicle itself or its equipmet); 5. The operatio of the retal vehicle at ay time durig which ay covered perso is drivig while itoxicated or uder the ifluece of ay arcotic; 6. Ay dishoest, fraudulet or crimial act committed by ay covered perso; 7. Wear ad tear, gradual deterioratio, or mechaical or electrical breakdow or failure, iheret vice or damage, isects or vermi; 8. Operatio of the retal vehicle i violatio of the terms of the retal agreemet except: a. covered persos as defied, may operate the retal vehicle; b. the retal vehicle may be drive o publicly maitaied gravel roads; c. the retal vehicle may be drive across provicial ad state boudaries i Caada ad the U.S. ad betwee Caada ad the U.S. 9. Seizure or destructio uder a quaratie or customs regulatios or cofiscated by order govermet or public authority; 10. Trasportatio of cotrabad or illegal trade; 11. War, hostile or warlike actio, isurrectio, rebellio, revolutio, civil war, usurped power, or actio take by govermet or public authority i hiderig, combatig or defedig agaist such actio; 12. Trasportatio of property or passegers for hire; 13. Nuclear reactio, uclear radiatio, or radioactive cotamiatio; 14. Itetioal damage to the retal vehicle by a covered perso; 15. Expeses due to dimiished value of the retal vehicle. The followig vehicles are NOT covered: 1. Vas, cargo vas or mii cargo vas (other tha mii-vas); 2. Trucks, pick-up trucks or ay vehicle that ca be spotaeously recofigured ito a pick-up truck); 3. Limousies; 4. Off-road vehicles meaig ay vehicle used o roads that are ot publicly maitaied roads uless used to igress ad egress private property; 5. Motorcycles, mopeds or motor bikes; 6. Trailers, campers, recreatioal vehicles or vehicles ot licesed for road use; 7. Vehicles towig or propellig trailers or ay other object; 8. Mii-buses or buses; 9. Ay vehicle with a Maufacturer s Suggested Retail Price (MSRP) excludig all taxes, over sixty-five thousad dollars Caadia ($65,000 CDN); 10. Exotic vehicles, meaig vehicles such as Asto Marti, Betley, Brickli, Daimler, DeLorea, Excalibur, Ferrari, Jese, Lamborghii, Lotus, Maserati, Porsche, Rolls Royce; 11. Ay vehicle which is either wholly or i part had made, had fiished or has a limited productio of uder 2,500 vehicles per year; 4

7 12. Atique vehicles, meaig a vehicle over twety (20) years old or which has ot bee maufactured for te (10) years or more; ad 13. Tax-free cars. Luxury vehicles, icludig but ot limited to BMW, Cadillac, Licol ad Mercedes Bez are covered as log as they meet the above requiremets. WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? I the evet of loss/damage to your retal vehicle, call (toll-free) withi forty-eight (48) hours if you are i Caada or the Uited States or (905) (collect). The represetative will aswer your questios ad sed you a claim form. Decide with the retal aget who will make the claim. (Please ote: You must otify the retal agecy ad obtai coset prior to completig ay repairs o your ow. If the retal aget decides to settle the claim directly, complete the accidet report claim form ad assig the right for the retal agecy to make the claim o your behalf o the claim form or other authorized forms. It is importat to ote that you remai resposible for the loss/damage ad that you may be cotacted i the future to aswer iquiries resultig from the claims process. The retal aget may fax the required documetatio toll-free if they are i Caada or the Uited States to Elsewhere the fax umber is (905) (collect). Origial documetatio may also be required i some istaces. (If you have ay questios, are havig ay difficulties, or would like the claims admiistrator to be ivolved immediately, call the umber provided above). If you will be makig the claim, you must call the claims admiistrator withi forty-eight (48) hours of the loss/damage havig occurred. Your claim must be submitted with as much documetatio as possible, as requested below, withi forty-five (45) days of discoverig the loss/damage. You will eed to provide all documetatio withi iety (90) days of the date of loss or damage to the claims admiistrator at the address provided below. For your claim to be reviewed, you must submit the followig origial documetatio, as applicable: the claim form, completed ad siged; your RBC Visa statemet ad/or receipt showig that the retal was paid i full with your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits; a copy of your ivoice showig all prepaid expeses (prepaid retal car paymet); a copy of your receipt showig amout of RBC Rewards poits redeemed; a copy of your previous retal agreemets resultig i a free retal; the origial copy of both sides of the vehicle retal agreemet; the accidet or damage report, icludig photographs of the damage; the itemized repair bill, or if ot available, a copy of the estimate; receipt for paid repairs; the police report, whe available; a copy of your billig or pre-billig statemet if ay repair charges were billed to your accout; ad a copy of your paid statemet or billig idicatig the deductible amout (if you have purchased the retal agecy s CDW or similar coverage). Forward this documetatio to: Aviva Geeral Isurace Compay Attetio: RBC Visa Claims PO Box 6, Statio A Mississauga, ON L5A 2Y9 5

8 Uder ormal circumstaces, the claim will be reviewed withi fiftee (15) days after the claims admiistrator has received all ecessary documetatio. If the claim caot be assessed o the basis of the iformatio that has bee provided, it may be closed. After the Isurer has paid your claim, your rights ad recoveries will be trasferred to the Isurer to the extet of the Isurer s paymet for the loss/damage icurred whe the retal vehicle was uder your resposibility. This meas the Isurer will the be etitled, at its ow expese, to sue aother party i your ame. If the Isurer chooses to sue aother party i your ame, you must give the Isurer all the assistace the Isurer may reasoably require to secure its rights ad remedies. This may iclude providig your sigature o all ecessary documets that eable the Isurer to sue i your ame. Oce you report loss or damage, a claim file will be opeed ad will remai ope for six (6) moths from the date of the loss, or damage. Paymet will oly be made o a claim or ay part of a claim that is completely substatiated as required by the claims admiistrator withi six (6) moths of the date of loss/damage. You should use due diligece ad do all thigs ecessary to avoid or reduce ay loss or damage to property protected by this Auto Retal Collisio/Loss Damage Isurace. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. Your RBC Cash Back Preferred World Elite Mastercard accout must be ope ad i good stadig durig the retal period. 2. Oly the covered perso may ret a vehicle ad may decide to declie the retal agecy s CDW or a equivalet alterative coverage offerig. This coverage applies oly to the covered perso s persoal ad busiess use of the retal vehicle. 3. Coverage is limited to oe (1) retal vehicle at a time; i.e. if durig the same period there is more tha oe (1) vehicle reted by the covered perso, oly the first retal will be eligible for these beefits. 4. If you make a claim kowig it to be false or fraudulet i ay respect, you will ot be etitled to the beefits of this protectio, or to the paymet of ay claim made uder this Certificate of Isurace. 5. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 6. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 7. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. 6

9 PURCHASE SECURITY & EXTENDED WARRANTY CERTIFICATE OF INSURANCE IMPORTANT PLEASE READ: This Certificate of Isurace is a valuable source of iformatio ad cotais provisios that may limit or exclude coverage. Please read this Certificate of Isurace ad keep it i a safe place. INTRODUCTION Aviva Geeral Isurace Compay (the Isurer ) i Quebec ad RBC Isurace Compay of Caada (the Isurer ) i the rest of Caada have issued group isurace policy U A to Royal Bak of Caada ( Royal Bak ) to cover expeses icurred by covered persos relatig to Purchase Security & Exteded Warraty. All covered persos are cliets of the Isurer. This Certificate of Isurace summarizes the provisios of this group isurace policy. HOW TO OBTAIN ASSISTANCE If you require assistace or have questios about your coverage, you ca cotact Assured Assistace Ic. ( Assured Assistace ) by callig: toll-free from the US & Caada or collect from aywhere i the world. HELPFUL INFORMATION ABOUT PURCHASE SECURITY & EXTENDED WARRANTY INSURANCE Purchase Security Isurace provides coverage for direct accidetal physical loss or damage to persoal property or gifts purchased o your RBC Cash Back Preferred World Elite Mastercard card ad/or with RBC Rewards poits for oe hudred ad twety (120) days from the date of purchase. The maximum amout of coverage is $50,000, or the equivalet umber of RBC Rewards poits, per RBC Cash Back Preferred World Elite Mastercard card per year. Exteded Warraty Isurace automatically triples the origial maufacturer s warraty up to a maximum of two (2) years. Remember to obtai a police, fire, homeower isurace claim, or damage/loss report i the evet of a claim as it is required to determie eligibility for beefits. This isurace is classified as supplemetal, i that it covers expeses i excess of expeses payable by ay other isurace pla. For example, if you are covered uder homeowers isurace, this isurace will cover the deductible oly. It is importat that you read ad uderstad your Certificate of Isurace as your coverage is subject to certai limitatios or exclusios. DEFINITIONS Throughout this documet, all italicized terms have the specific meaig explaied below. Additioal cardholder meas a co-applicat or a authorized user. Applicat meas a perso who has siged ad/or submitted a applicatio as the primary cardholder for a RBC Cash Back Preferred World Elite Mastercard card, to whom a card has bee issued ad i whose ame the card accout is established. A applicat does ot iclude a additioal cardholder. A applicat must be a permaet residet of Caada. Authorized user meas a perso, other tha the applicat ad the co-applicat, to whom a RBC Cash Back Preferred World Elite Mastercard card has bee issued at the request of the applicat or the co-applicat. A authorized user must be a permaet residet of Caada. Co-applicat meas a perso who has siged ad/or submitted a applicatio for a RBC Cash Back Preferred World Elite Mastercard card as the co-applicat ad to whom a card has bee issued. A co-applicat must be a permaet residet of Caada. 7

10 Covered perso meas the applicat or additioal cardholder. A covered perso may be referred to as you or your or yourself. The family members of a applicat or additioal cardholder are ot eligible for this isurace. Family member meas your spouse, paret, step-paret, gradparet, gradchild, i-law, atural or adopted child, step-child, brother, sister, step-brother step-sister, legal guardia, or legal ward. Gift meas tagible moveable property for the persoal use of your family member. Mysterious disappearace meas the disappearace of persoal property or a gift i a uexplaied maer. Permaet residet meas a perso who resides i Caada for at least six (6) moths of the year. However, idividuals otherwise eligible for coverage who are members of the Caadia Foreig Service eed ot satisfy this requiremet. Persoal property meas tagible, moveable property for your persoal use. Spouse meas the perso who is legally married to you, or has bee livig i a cojugal relatioship with you ad residig i the same household as you for a cotiuous period of at least oe (1) year. WHEN DOES COVERAGE BEGIN AND END? These coverages are effective whe you use your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits to purchase ad pay i full for persoal property or gift(s). If the persoal property or gift(s) are delivered to you or a family member, they must be received by you or the family member i good coditio. If oly a partial paymet is made usig RBC Rewards poits, the etire balace of the persoal property or gift must be paid usig your RBC Cash Back Preferred World Elite Mastercard card i order to be covered. Coverage eds, idividually for the applicat ad each additioal cardholder, o the earliest of: 1. The date your RBC Cash Back Preferred World Elite Mastercard accout is cacelled; or 2. The date your RBC Cash Back Preferred World Elite Mastercard accout is sixty (60) days past due; or 3. The date the group isurace policy is cacelled by the Isurer or Royal Bak. However, such cacellatio of coverage shall ot apply to persoal property or gifts charged to your RBC Cash Back Preferred World Elite Mastercard card prior to the cacellatio date of the group isurace policy; or 4. The date Royal Bak receives writte otice from you that you choose to cacel your RBC Cash Back Preferred World Elite Mastercard card. WHAT IS COVERED AND WHAT ARE THE BENEFITS? PURCHASE SECURITY INSURANCE Persoal property ad gifts purchased usig your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits are isured agaist all risks of direct accidetal physical loss or damage for oe hudred ad twety (120) days from the date of purchase. You are isured for loss or damage i a amout ot exceedig the amout show o your RBC Cash Back Preferred World Elite Mastercard sales draft. If you have purchased ad paid for persoal property ad/or gifts usig RBC Rewards poits, you are isured for the amout of RBC Rewards poits you redeemed to pay for your purchase. The maximum amout of coverage is $50,000 (or the equivalet umber of RBC Rewards poits) per RBC Cash Back Preferred World Elite Mastercard accout for each year, idividually for the applicat ad each additioal cardholder. EXTENDED WARRANTY INSURANCE Exteded Warraty Isurace automatically triples the origial maufacturer s warraty, up to a maximum extesio of two (2) years. Your Exteded Warraty Isurace starts immediately followig the expiry of the origial maufacturer s warraty, but i o evet shall the combied Exteded Warraty ad origial maufacturer s warraty exceed five (5) years. If you have a claim uder this Certificate of Isurace, it will be reviewed accordig to the origial maufacturer s 8

11 warraty, which will outlie all terms ad coditios relatig to your persoal property or gift. The terms, coditios ad exclusios of this Certificate of Isurace will gover i case of a coflict. Items covered by Exteded Warraty Isurace must have bee purchased usig your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits. Persoal property ad gifts are icluded. The purchases ca be made aywhere i the world. The origial warraty must be valid i Caada. I the evet your origial maufacturer s warraty is o loger available due to the bakruptcy of the maufacturer, this isurace will provide coverage i place of the origial maufacturer s warraty. Ay warraty coverage provided by RBC shall be for a maximum period of two (2) years. WHAT IS NOT COVERED? PERSONAL PROPERTY AND GIFT EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly relatig to: 1. Livig plats, aimals, fish, or birds. 2. Moey, travellers cheques, bullio, stamps, tickets, tokes, evidece of title or ay other egotiable item (icludig but ot limited to gift cards ad gift certificates). 3. Jewellery, gems, watches ad furs or garmets trimmed with fur, if cotaied i baggage, uless such baggage is had carried at all times by you, your travellig compaio, or family member. 4. Automobiles, watercraft, amphibious or air cushio vehicles, aircraft, spacecraft, trailers or outboard motors ad other accessories attached to or mouted o such property or ay motorized vehicles except motorized lawmowers, other gardeig equipmet, sowblowers or motorized wheelchairs for hadicapped persos. 5. Property illegally acquired, kept, stored or trasported, or property seized or cofiscated for breach of ay law or by order of ay public authority. 6. Ay ad all busiess property ad equipmet iteded for commercial use. GENERAL EXCLUSIONS The Isurer will ot pay for ay expeses icurred directly or idirectly as a result of: 1. Mysterious disappearace of persoal property or gifts, or fraudulet acts by you or your family members. 2. After a item is received i good coditio, ay wear ad tear, gradual deterioratio, latet defect or iheret vice, marrig or scratchig of ay fragile or brittle article. 3. Weather coditios ad ay atural disaster, icludig flood or earthquake. 4. A act of foreig eemies or rebellio, volutarily ad kowigly exposig yourself to risk from a act of war (declared or ot) or volutarily participatig i a riot or civil disorder. 5. Loss or damage resultig from itetioal or crimial acts committed or attempted to be committed by you or your family members. 6. Loss or damage caused by birds, vermi, rodets or isects. 7. Loss or damage to sports equipmet ad goods where the loss or damage is due to the use thereof. 8. Settig, expasio, cotractio, bulgig, bucklig or crackig, dampess or dryess of atmosphere, chages of temperature, freezig, heatig, evaporatio, loss of weight, leakage of cotets, exposure to light, cotamiatio, chage i color or texture or fiish, rust or corrosio. 9. Delay, loss of use, or cosequetial damages. 10. Loss or damage to electrical appliaces or devices of ay kid (icludig wirig) whe loss or damage is due to electrical currets artificially geerated, icludig arcig, uless fire or explosio esues ad the oly for such loss ad damage. 11. Loss or damage while udergoig ay istallatio process or while beig worked o, where damage results from such istallatio process or work. 9

12 WHAT SHOULD YOU DO IF YOU HAVE A CLAIM? If you call Assured Assistace at the time of the loss as show uder How to Obtai Assistace, you will receive the ecessary claims assistace. If you do ot call Assured Assistace, you must otify the Claims Cetre of your claim withi thirty (30) days of the date of the loss. Note: A legal guardia must complete the claim process o behalf of a covered perso uder the age of eightee (18) i Quebec or uder the age of sixtee (16) i the rest of Caada. For your claim to be reviewed, you must submit the followig origial documetatio: The Isurer s claim form cotaiig the time, place, cause ad amout of the loss or damage; A copy of the origial merchat s sales receipt; Your RBC Visa statemet ad/or receipt showig that the persoal property or gift was paid i full usig your RBC Cash Back Preferred World Elite Mastercard card ad/or RBC Rewards poits; The origial maufacturer s warraty (for Exteded Warraty Isurace claims oly). Depedig o the ature of the claim, the Isurer will require you to obtai, at the time of the loss or damage, a police, fire, homeower isurace claim or damage/loss report or ay other report of the damage/loss sufficiet to determie eligibility for beefits uder this isurace. Whe a isured item forms part of a pair or set, the Isurer will reimburse the full purchase price of the pair or set provided that the items are uusable idividually ad caot be replaced idividually. Uder Exteded Warraty Isurace, prior to proceedig with ay repair services, you must otify the Isurer ad obtai approval of the repair services ad the repair facility from the Isurer. For both Purchase Security ad Exteded Warraty Isurace, at the sole discretio of the Isurer, you may be required to sed, at your expese, the damaged item o which a claim is based, to a address desigated by the Isurers. Submissio of claims from all provices must be made to the Claims Cetre: RBC Isurace Compay of Caada Claims Cetre PO Box 97, Statio A Mississauga, ON L5A 2Y You must submit the iformatio required for your claim withi iety (90) days of the date of the loss or damage. If it is ot reasoably possible to provide such iformatio withi iety (90) days, you must do so withi oe (1) year of the date of the loss or damage or your claim will ot be reviewed. OTHER CLAIM INFORMATION You may oly commece a legal actio i the provice or territory where the Certificate of Isurace was issued. You or your heirs assig coset to the trasfer of ay legal actio to the provice or territory where the Certificate of Isurace was issued. 10

13 WHAT OTHER TERMS SHOULD YOU KNOW ABOUT? 1. This isurace is classified as supplemetal or excess, i that it covers expeses i excess of expeses payable by ay other isurace pla. 2. If you icur expeses covered uder this isurace due to the fault ad/or egligece of a third party, the Isurer may take actio agaist the third party. You agree to cooperate fully with the Isurer or its agets ad to allow the Isurer or its agets, at its/their ow expese, to brig a lawsuit i your ame agaist a third party. 3. All amouts are show i Caadia dollars. If you have paid a covered expese, you will be reimbursed i Caadia currecy at the prevailig rate of exchage quoted by Royal Bak o the date the last service was redered to you. This isurace will ot pay for ay iterest or ay fluctuatios i the exchage rate. 4. The Isurer may, at its discretio, void this isurace cotract i the case of fraud or attempted fraud by you, or if you coceal or misrepreset ay material fact or circumstace cocerig this isurace cotract. 5. The Isurer maitais the right to salvage ay items beig replaced icludig all attachmets ad accessories. 6. You must repay the Isurer ay amout paid or authorized by the Isurer o your behalf if ad whe the Isurer determies that the amout is ot payable uder the terms of this isurace. 7. The Isurer will ot be liable for more tha the purchase price of the isured item(s) as recorded o the RBC Cash Back Preferred World Elite Mastercard sales draft. If you have purchased ad paid for persoal property ad/or gifts usig RBC Rewards poits, the Isurer will ot be liable for more tha the amout of RBC Rewards poits you redeemed to pay for your purchase. The Isurer has the sole optio to replace or repair the isured item or reimburse you. 8. A limit of $10,000 per item applies to jewellery, gems, watches ad furs or garmets trimmed with fur, if these items are cosidered payable uder the terms ad coditios of this Certificate of Isurace. 9. This protectio shall oly beefit you. No other perso or etity shall have ay right, remedy or claim, legal or equitable, to the beefits. You shall ot assig these beefits without prior writte approval of the Isurer. The Isurer will permit you to trasfer beefits o gifts as provided i this pla descriptio ad the Certificate of Isurace. 10. O reasoable otice you or a claimat uder the cotract will be provided with a copy of the group cotract. 11. Every actio or proceedig agaist a isurer for the recovery of isurace moey payable uder the cotract is absolutely barred uless commeced withi the time set out i the Isurace Act (for actios or proceedigs govered by the laws of Alberta ad British Columbia), The Isurace Act (for actios or proceedigs govered by the laws of Maitoba), the Limitatios Act, 2002 (for actios or proceedigs govered by the laws of Otario), or i other applicable legislatio i your provice of residece. For those actios or proceedigs govered by the laws of Quebec, the prescriptive period is set out i the Quebec Civil Code. 11

14 COLLECTION AND USE OF PERSONAL INFORMATION COLLECTING YOUR PERSONAL INFORMATION We (RBC Isurace Compay of Caada) may collect iformatio about you such as: iformatio establishig your idetity (for example, ame, address, phoe umber, date of birth, etc.) ad your persoal backgroud; iformatio you provide through the applicatio ad claims process for ay of our isurace products ad services; ad iformatio for the provisio of isurace products ad services. We may collect iformatio from you, either directly or through our represetatives. We may collect ad cofirm this iformatio durig the course of our relatioship. We may also obtai this iformatio from a variety of sources icludig hospitals, doctors ad other health care providers, the govermet (icludig govermet health isurace plas) ad govermetal agecies, other isurace compaies, travel suppliers, law eforcemet authorities, private ivestigators, your family ad frieds, ad ay refereces you provide. USING YOUR PERSONAL INFORMATION This iformatio may be used for the followig purposes: to verify your idetity ad ivestigate your persoal backgroud; to issue ad maitai isurace products ad services you may request; to evaluate isurace risk, maage ad coordiate claims, re-price medical expeses ad egotiate paymet of claims expeses; to better uderstad your isurace situatio; to determie your eligibility for isurace products ad services we offer; to help us better uderstad the curret ad future eeds of our cliets; to commuicate to you ay beefit, feature ad other iformatio about products ad services you have with us; to help us better maage our busiess ad your relatioship with us; ad as required or permitted by law. For these purposes, we may make this iformatio available to our employees, our agets, service providers ad other third parties, who are required to maitai the cofidetiality of this iformatio. I the evet our service provider is located outside of Caada, the service provider is boud by, ad the iformatio may be disclosed i accordace with, the laws of the jurisdictio i which the service provider is located. Third parties may iclude other isurace compaies, other fiacial istitutios, health orgaizatios ad the govermet (icludig govermet health isurace plas) ad govermetal agecies Upo your request, we may give this iformatio to other persos. We may also use this iformatio ad share it with RBC compaies (i) to maage our risks ad operatios ad those of RBC compaies, (ii) to comply with valid requests for iformatio about you from regulators, govermet agecies, public bodies or other etities who have a right to issue such requests, ad (iii) to let RBC compaies kow your choices uder Other uses of your persoal iformatio for the sole purpose of hoourig your choices. OTHER USES OF YOUR PERSONAL INFORMATION We may use this iformatio to promote our isurace products ad services, ad promote products ad services of third parties we select, which may be of iterest to you. We may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. 12

15 We may also, where ot prohibited by law, share this iformatio with RBC compaies for the purpose of referrig you to them or promotig to you products ad services which may be of iterest to you. We ad RBC compaies may commuicate with you through various chaels, icludig telephoe, computer or mail, usig the cotact iformatio you have provided. You ackowledge that as a result of such sharig they may advise us of those products or services provided. If you also deal with RBC compaies, we may, where ot prohibited by law, cosolidate this iformatio with iformatio they have about you to allow us ad ay of them to maage your relatioship with RBC compaies ad our busiess. You uderstad that we ad RBC compaies are separate, affiliated corporatios. RBC compaies iclude our affiliates which are egaged i the busiess of providig ay oe or more of the followig services to the public: deposits, loas ad other persoal fiacial services; credit, charge ad paymet card services; trust ad custodial services; securities ad brokerage services; ad isurace services. You may choose ot to have this iformatio shared or used for ay of these Other uses by cotactig us as set out below, ad i this evet, you will ot be refused isurace products or services just for that reaso. We will respect your choices ad, as metioed above, we may share your choices with RBC compaies for the sole purpose of hoourig your choices regardig Other uses of your persoal iformatio. YOUR RIGHT TO ACCESS YOUR PERSONAL INFORMATION You may obtai access to the iformatio we hold about you at ay time ad review its cotet ad accuracy, ad have it ameded as appropriate; however, access may be restricted as permitted or required by law. To request access to such iformatio, to ask questios about our privacy policies or to request that the iformatio ot be used for ay or all of the purposes outlied i Other uses of your persoal iformatio you may do so ow or at ay time i the future by cotactig us at: RBC Isurace Compay of Caada P.O. Box 97, Statio A Mississauga, Otario L5A 2Y9 Phoe: Fax: OUR PRIVACY POLICIES You may obtai more iformatio about our privacy policies by askig for a copy of our Fiacial fraud prevetio ad privacy protectio brochure, by callig us at the toll free umber show above or by visitig our web site at 13

16 / TM Trademark(s) of Royal Bak of Caada. RBC ad Royal Bak are registered trademarks of Royal Bak of Caada. All other trademarks are the property of their respective ower(s). VPS (05/2017)