Mobile Homes Holiday Trailers Park Models Motor Homes Boats Cottages

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1 ONTARIO Rate Manual Mobile Homes Holiday Trailers Park Models Motor Homes Boats Cottages Toll Free:

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3 CONTACTS HOLIDAY TRAILERS & PARK MODELS & MOTOR HOMES Toll Free: Fax: Bay Street, P.O. Box 513 Beaverton, Ontario L0K 1A0 MOBILE HOMES Toll Free: Fax: Eglinton Avenue East Scarborough, Ontario M1L 4S8 BOAT PROGRAM (NAUITMAX) Toll Free: Fax: Laclie Street, P.O. Box 308 Orillia, Ontario L3V 6J6 COTTAGE PROGRAM Toll Free: Fax: Eglinton Avenue East Scarborough, Ontario M1L 4S8 ANTIQUE and COLLECTOR CAR PROGRAM (HAGERTY) Toll Free: Fax: P.O. Box 44; Stoufville Post Office Stoufville, Ontario L4A 1A0 ACCOUNTING x2095 CLAIMS REPORTING Toll Free: (option 2) or MYAVIVA ( ) HOW TO GET A QUOTE Visit Login using your user ID and password Under Aviva System Links, click on Aviva Elite Quotes Select the product under your specific region

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5 PAYMENT PLAN SECTION Payment in Full: 1. Online and Telephone Banking Online and telephone banking is available through most major banks. The insured simply adds Aviva Insurance Company of Canada as a bill payee on their bank s Internet site or on their bank s telephone banking system. Authorized payments will be uploaded into our billing system within two business days. 2, By Cheque or Money Order Payment in full, made payable to Aviva Insurance Company of Canada. 3. One Shot Credit Card Payment Payment, in full, using Visa or MasterCard. Payments by credit card can be initiated by clicking the credit card button from the New Business Summary screen or the Policy Inquiry Billing Screen in the Broker Portal. Guidelines and Eligibility for Credit Card Available to all personal lines product processed on the portal. The CVV number must be entered for each type of credit card transaction. Can be processed as part of new business, mid-term changes, renewals. If a new business was paid by credit card, the renewal will be issued as Direct Bill. The client may contact their broker to pay by credit card. Brokers are not able to process credit card payments for policy reinstatements. These are processed by the Aviva Billing Department. Installment Plans: 1. Post-dated Cheque Plan The insured s annual premium is divided into two, three, or four equal payments. The first payment is due on the policy effective date. Post-dated payments are due in 30, 60 and 90 day intervals. If a client chooses any of our post-dated cheque options, a $10.00 service charge must be added to their first payment and all cheques should be mailed together. 2. Multi-payment Online/telephone banking The insured s annual premium is divided into two, three, or four equal payments. The first payment is due on the policy effective date. Subsequent payments are due in 30, 60 and 90 day intervals. There is no charge for this convenient payment plan. 3. Pre-Authorized Chequing Plan (PAC) Premiums are automatically collected monthly from the client s bank account by means of electronic deduction and can be arranged through Canadian Banks, Trust Companies, Credit Unions, or any other financial organization where the client has chequing privileges. No down payment is required, and an installment finance charge of 3% will apply. NOTE: A $25.00 service charge will be levied against payments returned by the bank due to insufficient funds or payments not cleared. Ontario 1 Elite Insurance Company June 15, 2009

6 PAYMENT PLAN SECTION Eligibility for Installment Plans: All personal lines policies are eligible for enrolment into our installment plans, providing the following criteria is met: PAC applications must be accompanied by a sample VOID cheque and signed withdrawal authorization form. All PAC applications must be received within 30 days of the policy inception date. The annual premium must be a minimum of $ Guidelines for Installment Plans: Postdated payments are accepted for new business and renewal premiums; endorsements are due on the effective date. Postdated payments are due in 30 day intervals from the policy effective date. The client must notify us in writing, at least 14 business days prior to their withdrawal date, of any changes to their PAC information. A down payment can be accepted on a credit card, with the remaining premium being collected by pre-authorized chequing. Calculation of PAC Installment Amounts: Our billing system uses a catch-up feature for new business and renewal premiums. Catch-up, or aggregate billing, is a collection process used to bill all accumulated installments due. To calculate the insured s monthly payment, simply divide the annual insurance premium (including applicable taxes and finance charge) by 12. The first installment is due 30 days before the policy effective date. Therefore, the first payment may include premium for two or three months, depending on the date the PAC authorization is processed. Example: New Business (effective Jan 15 th -- entered Feb 1 st ) Policy premium (including taxes and finance charge) $ The first installment on Feb 15 th would be for $ (December, January and February payments) Subsequent installments (March 15 th to November 15 th ) would be $ Since the last installment is due two months prior to the expiry date of the policy and the first renewal payment is due 30 days prior to the inception date, the client will have continuous monthly deduction. Example: Renewal (effective Jan 15 th -- entered Nov 15 th ) Policy premium (including taxes and finance charge) $ equal installments of $ commencing Dec 15 th until Nov 15 th NOTE: For Quebec policies, the first installment is due on the policy effective date. Ontario 2 Elite Insurance Company June 15, 2009

7 PAYMENT PLAN SECTION PAC Withdrawal Date: The client can select to have their insurance premium withdrawn on any date of the month. If the client does not choose a specific date we will use the policy effective day. There are three situations when an installment will be withdrawn on a date other than the monthly date chosen by the client: If the client s bill day falls on a weekend, or statutory holiday, the withdrawal will take place on the next banking day. If the new business or renewal installments are in arrears and the clients selected date of withdrawals is more than fourteen (14) days in the future (see Initial installment amount may have a different bill date for details). If the policy is not renewed, and all regular installments have been billed, a one time special billing will occur fourteen (14) days following the transaction entry date (see PAC Endorsements for details). A client can choose to change the date of billing at any time; if the date is in the future and within the current month, the change is immediate. If the date is in the past, we will deduct the next billing amount on the original scheduled withdrawal date and the following deduction will be billed on the new date. NOTE: In Quebec, the client s preferred day of billing must be after the effective day of the policy, due to legislation preventing advance billing. The Initial Installment amount may have a different bill date: Our system delays billing if a new business or renewal premium are entered too close to the client s preferred billing date. Our basic rule is to allow our client at least 14 days notice prior to billing a pre-authorized deduction. This does not mean we are willing to wait until the next month to bill our initial catch-up installment. If the difference between the entry date and the next bill day is less than 14 days, we add 14 days to either the entry date or the current month bill date, whichever is greater. This will result in an irregular billing date, the next installment will be billed on the selected bill date. Theoretically, there could be two PAC installments in the same month. Example (A): Effective date: December 28 th Entry date: January 28 th Preferred bill date: 20 th The difference between January 28 th (the entry date) and February 20 th (the next bill date) is more than 14 days; therefore, a delay in billing is not required and the first installment will be billed on February 20 th. Example (B): Effective date: March 16 th Entry date: February 17 th Preferred bill date: 1 st Current bill month February 1 st The difference between February 17 th (the entry date) and March 1 st (the next bill date) is less than 14 days; therefore, a delay in billing is required. Add 14 days to February 17 th (the greater of the entry date and the current bill month) and the first installment will be billed on March 3 rd, the second installment will be billed on April 1 st. Ontario 3 Elite Insurance Company June 2003

8 PAYMENT PLAN SECTION Example (C): Effective date: March 16 th Entry date: February 17 th Preferred bill date: 27 th Current bill month February 27 th The difference between February 17 th (the entry date) and February 27 th (the next bill date) is less than 14 days; therefore, a delay in billing is required. Add 14 days to February 27 th (the greater of the entry date and the current bill month) and the first installment will be billed on March 13 th, the second installment will be billed on March 27 th. PAC Endorsements: The catch-up feature is not used for endorsements. Our system will spread the premium equally over the remaining installments. If the difference between the entry date and the regular bill date is less than 14 days, and the endorsement is an additional premium, the system will delay one month prior to changing the installment amounts. Return premiums do not necessitate a delay; installment amounts will be reduced immediately. If an additional premium is processed after all regular installments have been billed, the full amount will be added to the first renewal deduction. If a renewal is not processed, the full amount of the additional endorsement will be deducted fourteen (14) days after the transaction entry date. If a return premium is processed after all installments have been billed, the first renewal installment(s) will be reduced. If a renewal is not processed, we will issue a refund cheque to the insured ten (10) days after the last transaction date. Change to Banking Information: In the event that a client changes their chequing account number, or transfers to a different financial institution, a new VOID cheque and authorization form must be completed and sent to our company at least 14 business days prior to the payment withdrawal date. The policyholder should be advised to keep sufficient funds in the old account to cover any scheduled withdrawals. Disbursements: Our billing system is designed to automatically issue disbursement cheques on policies in a credit position ten (10) days after the transaction entry date or effective date, whichever is greater. This delay allows the majority of payments and charges to clear the client s bank account prior to reimbursement. Registered letters of cancellation are mailed without enclosing the refund cheque. The registered letter wordings indicate any refunds will follow pending clearance of all payments and charges. Refunds are usually issued after the policy cancellation effective date. Ontario 4 Elite Insurance Company June 2003

9 PAYMENT PLAN SECTION Direct Bill Reminder Notices: If a client chooses one of our direct payment plans (by cheque, credit card or online/telephone banking) we allow a minimum of 30 days to secure payment. Each underwriting transaction generates a billing invoice. This premium change document is considered our first notice. Our next notice is a Final Reminder Notice. The reminder notice is issued 15 days after the first notice, or on the policy effective date, whichever is greater. If a partial payment is received, and the policy has equity, the client will receive a Reminder Notice. This notice is a non-threatening reminder of an outstanding premium owing for the policy. Final reminder notices are pink and equity reminder notices are white. If the client receives a pink notice, payment must be made within 15 days to avoid a registered letter of cancellation due to nonpayment. Registered Letter of Cancellation for Non-payment: Direct Payment (by Cheque, credit card or Online/Telephone Banking): If a client s payment is not received within 15 days following a final pink Reminder Notice, we will assume the client no longer wants our insurance protection and the system will automatically cancel the policy by registered letter for non-payment. Pre-Authorized Chequing (PAC) If the bank, due to some failure on the client s part, dishonors an installment, Aviva will be as lenient as possible in allowing the situation to be rectified. There are many reasons why the bank could return these withdrawals and we have special notices and cancellation criteria to cover each of them. If the initial installment of a new business is returned for insufficient funds (NSF) or funds not cleared, we will cancel the policy immediately. If an installment returned for insufficient funds or funds not cleared is a first occurrence within a 12- month period (other than the initial payment on a new business) we will re-bill the missed payment with the next monthly withdrawal. The client will receive written notification and a warning that a second occurrence will result in cancellation of their insurance coverage. If an installment is returned due to a problem with the client s bank account, i.e., account closed, account frozen, account transferred, cannot trace, incorrect payer name, etc. Our system will issue a notice to the client requesting new banking. If the new banking information is not processed within 15 days, the policy will be cancelled for non-payment. If a client places a payment stopped against an installment, we will assume they no longer want insurance and cancel the policy immediately for non-payment. Ontario 5 Elite Insurance Company June 15, 2009

10 PAYMENT PLAN SECTION Reinstatement: If a policy has been cancelled for non-payment, reinstatement will be permitted under various circumstances. Please remember that these policies will only be reinstated if they are of sound underwriting quality. The following are only guidelines; the ultimate decision to reinstate resides with our underwriting department. It s OK to reinstate: 1. Payments crossed in the mail, providing: The policy cancellation date has not expired. Policy is paid in full 2. Policies cancelled for 2 NSF's, providing: The policy cancellation date has not expired. Policy is paid in full by certified cheque, credit card or money order. A senior underwriter approves reinstatement. 3. Policies with a prior cancellation (within 3 years), providing: The policy cancellation date has not expired. Policy is paid in full by certified cheque, credit card or money order. A senior underwriter approves reinstatement. 4. Policies cancelled due to invalid banking, providing: The policy cancellation date has not expired. Amount in arrears (certified) is collected and no evidence of prior payment problems. New banking is received. 5. Policies cancelled due to an error, providing: We have adequate proof that the broker, company or bank is fully responsible for the error. The policy cancellation date has not expired. 6. If the cancellation has expired but the money was received by the broker or the company prior to the expiry date, providing: The full outstanding balance is received (certified) We receive confirmation of no intervening losses. 7. Reinstate and Change to a different bill type, providing: The policy cancellation date has not expired. If a PAC application crossed in the mail, the amount in arrears (certified) must be paid If the PAC policy is paid in full (certified) the policy can be amended to direct bill Change to Broker Bill requires issuance of a new policy -- not recommended as an alternative collection tool. 8. Reinstatement of broker bill policy, providing: The policy cancellation date has not expired. Policy is paid in full. Ontario 6 Elite Insurance Company June 15, 2009

11 MANUFACTURED/MOBILE HOME GUIDELINES SECTION MANUFACTURED/MOBILE HOMES: The Elite Manufactured/Mobile Home policy has been developed to provide coverage for mobile or manufactured homes. A manufactured or mobile home is a building which has been fully constructed inside a factory. These homes are built on a steel frame chassis that forms part of the floor structure of the home. The steel frame has axles, wheels, and a hitch, that are removed after it has been delivered to the homeowner's site. These homes are complete when they leave the factory except for incidental assembly on site. Manufactured/Mobile homes are usually set on concrete piers or blocks. Once the home is occupied, it is not generally moved. CLAIMS REPORTING All Manufactured/Mobile Home claims are to be reported by the broker to Elite as soon as possible. You can either phone or fax in claims to the numbers below: Phone: Press 2 for claims and 2 for mobile homes After regular business hours call Fax:

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13 MANUFACTURED/MOBILE HOME GUIDELINES SECTION BROKER BINDING AUTHORITY Brokers are authorized to bind coverage on our behalf providing: The risk is acceptable according to the underwriting rules specified in this manual Premiums are quoted in accordance with the rating rules specified in this manual There is no amount owing on a policy previously issued by the company The Manufactured/Mobile Home is fifteen years of age or newer The replacement value of the mobile home does not exceed $150,000. ALL RISK Mobile Home Coverage Eligibility Owner Occupied Model year 1985 or newer Primary heat must be factory installed and not solid fuel Fully skirted Not had more than 1 loss in the past 3 years Must have policy limit to 100% of replacement cost of Manufactured/Mobile Home. $65 per square foot is a recommended minimum guideline Units 1984 and older do not qualify for All Risk or Replacement Cost coverage. PLEASE SUBMIT THE FOLLOWING FOR CONSIDERATION PRIOR TO BINDING Unbound application together with a current photograph of front and back must be submitted prior to binding and rating on: Manufactured/Mobile Homes over fifteen years of age on New Business Vacant or unoccupied Manufactured/Mobile Homes Manufactured/Mobile Homes with an actual cash value or replacement cost in excess of $150,000 on building Risks with more than two losses past three years Manufactured/Mobile Homes with wood stoves as primary heat Risks with business conducted on premises Manufactured/Mobile Homes with roomers or boarders Risks which to your knowledge have been cancelled, lapsed or declined by any insurer Manufactured/Mobile Home with oil tanks Manufactured/Mobile Homes with 60 amps or less without a letter from an electrician Risks with incidental farm use Ontario 1 Elite Insurance Company April 1 / May 1, 2006

14 MANUFACTURED/MOBILE HOME GUIDELINES SECTION BUSINESS NOT WRITTEN Risks with an oil tank over fifteen years of age. Risks with oil tanks fifteen years and older will not be renewed unless it has been replaced Any underground oil tanks Risks that are physically sub-standard or poorly maintained Risks situated on premises used for farming as primary occupation Risks with a known moral hazard Risks with homemade or unapproved wood stoves Any risk located within 50km of an area under restriction during forest fire alerts by any civil authority Any area where there is an impending flood MODULAR HOMES Use the same underwriting guidelines as you would for Manufactured/Mobile Homes APPLICATIONS In order for us to properly rate a policy it is vital that the application be fully completed and signed by the applicant. The Manufactured/Mobile Home Application Form can be found on the Elite website. POLICY TERM Twelve month policy terms only may be written. All rates quoted in this manual are for a twelve month term. MINIMUM PREMIUM The minimum premium for which a policy will be issued is $125. CANCELLATIONS By Insurer - When a policy is cancelled by the Insurer, the pro-rata unearned premium is refunded to the Insured. By Insured When a policy cancelled at the request of the Insured, the unearned premium is calculated from the appropriate short rate table. OIL TANKS Oil Tanks 15 years of age and older will not be accepted. A photo of the oil tank and a completed oil tank questionnaire are to be submitted with all New Business applications. Ontario 2 Elite Insurance Company April 1 / May 1, 2006(R)

15 MANUFACTURED/MOBILE HOME GUIDELINES SECTION WOOD HEAT/STOVES (including Pellet stoves and Fireplace Inserts) All wood stoves must be CSA, ULC or Warnock-Hersey approved and professionally installed or wett inspected and approved with all recommendations completed to meet installation standards. Each wood stove requires a completed wood stove questionnaire with a recent photo or Wett Certificate. Additional premium surcharge* for auxiliary wood heat see applicable rate page. If three bush cords of wood or more are burned annually, the wood heat is considered the primary heat source, refer to company. A bush full cord of wood measures: 1.2 m x 1.2m x 2.4m (4 x 4 x 8 feet) Three face cords of wood equals one bush cord. *NOTE These surcharges are not subject to any premium credits and are in addition to minimum premiums. SHERKSTON SHORES PARK All units located in Postal Code L0S 1R0 will have $1000 wind deductible applied. Ontario 3 Elite Insurance Company April 1 / May 1, 2006

16 MANUFACTURED/MOBILE HOME GUIDELINES SECTION TOWN GRADES Protected Within 1000 feet (300 m.) of a fire hydrant and within 5 miles (8 km) of a responding fire hall, by road normally kept open all year. Semi-protected Within 5 miles (8 km) of responding fire hall, by road normally kept open all year. Unprotected All other areas. RATING TERRITORIES The Elite Manufactured/Mobile Home product includes 2 rating territories, one for Southern Ontario and one for Northern Ontario (including North Western Ontario). As a guideline use Aviva habitational manual. MANUFACTURE/MOBILE HOME COVERAGES Form Code Manufactured/Mobile Home Owner Occupied Manufacture/Mobile Home Renters/Tenants Package Manufacture/Mobile Home Summer/Seasonal Manufactured/Mobile Home Rented to Others S Named Perils ACV Building ACV Contents Named Perils ACV Contents F&EC ACV Building ACV Contents F&EC ACV Building ACV Contents R Named Perils ACV Building RC Contents Named Perils RC Contents 10% Outbuilding and 10% Contents are inclusive 10% Outbuilding and 10% Contents are inclusive A Named Perils* RC Building RC Contents B All Risk * RC Building RC Contents Inflation Protection will be automatic on all Owner-Occupied All Risks and Named Perils renewal policies where Replacement Cost coverage has been purchased. Ontario 4 Elite Insurance Company April 1 / May 1, 2006

17 MANUFACTURED/MOBILE HOME GUIDELINES SECTION Manufactured/Mobile Home Owner Occupied A. Manufactured/Mobile Home $ B. Outbuildings 10% of A C. Personal Property 75% of A Named Perils or C. Personal Property 100% of A All Risk D. Additional Living Expenses 20% of A E. Personal Legal Liability $1,000,000 each occurrence F. Medical Payments $5,000 each person G. Voluntary Property Damage $1,000 each occurrence Manufactured/Mobile Home Tenants C. Personal Property $.. D. Additional Living Expenses 20% of C E. Personal Legal Liability $1,000,000 each occurrence F. Medical Payments $5,000 each person G. Voluntary Property Damage $1,000 each occurrence Manufactured/Mobile Home Summer/Seasonal Rented to Others A. Mobile Home $ B. Outbuildings 10% of A C. Personal Property 10% of A E. Premises Liability $1,000,000 each occurrence (optional) F. Medical Payments $5,000 each person (optional) G. Voluntary Property Damage $1,000 each occurrence (optional) *Named Perils & A.R - RC/RC coverage is only available on units built in 1985 & newer. Ontario 5 Elite Insurance Company April 1 / May 1, 2006

18 MANUFACTURED/MOBILE HOME GUIDELINES SECTION SPECIAL LIMITS This is a Coverage Summary only. For a detailed explanation of coverage, limits, deductibles, conditions and exclusions, please refer to the Policy Wording. Animals, birds or fish (specified perils only, but not by impact) Bicycle Books, tools & instruments pertaining to business Manufactured/Mobile Home Summer/Seasonal/ Rented to Others F&EC Manufacture/Mobile Home Owner Occupied/ Renters Package Named Perils Not Covered $1000 in all $2500 in all $300 per item $300 per item (stolen) Manufactured/Mobile Home Owner Occupied Deluxe Package All Risk $500 per item (specified perils) Not Covered $2500 in all $2500 in all Coin Collections Not Covered $200 in all (stolen) Computer software Not Covered $1000 in all $2500 in all Credit Card Not Covered $5000 $5000 Contents of Father or Mother living in a nursing home Not Covered Not Covered $2500 $500 in all (specified perils) Fire Department $500 $5000 No Limit Frozen Food Protection Not Covered $2000 $5000 Garden type tractors, wheelchairs, golf carts $5000 in all $5000 in all $5000 in all Insured s Accidental Death by an Insured Peril at premises Not Covered $5000 $5000 Jewellery, watches, $2500 in all $2500 in all Not Covered gems, furs (stolen) (specified perils) Lock Replacement Not Covered 50% of cost to $500 50% of cost to $500 Money or bullion Not Covered $300 in all $300 in all Outdoor Greenery Not Covered 5% of cov. A 5% of cov. A $500 any one item $1000 any one item Personal Legal Liability Not Covered $1,000,000 $1,000,000 Premises Liability $1,000,000 optional Included Included Reward Coverage Not Covered Not Covered $500 Safety Deposit Box Not Covered Not Covered $10,000 Securities Not Covered $1000 in all $5000 in all Silverware, goldware $5000 in all $10,000 in all Not Covered & pewterware (stolen) (specified perils) Stamps & Philatelic Not Covered $1000 in all $2000 in all (stolen) (specified perils) Student s Property temporarily away from Not Covered Up to $2500 $5000 home Watercraft $1000 in all $1000 in all $2000 in all Ontario 6 Elite Insurance Company September 1, 2009

19 MANUFACTURED/MOBILE HOME GUIDELINES SECTION DISCOUNTS Maximum Discount is 40% Discount* Amount Eligibility Applicable Claims Free Discount 10% 3 years claims free (prior carrier confirmation required) Owner Occupied, Tenants Factory Built Double Wide** 20% Must be factory built double wide** Owner Occupied Mature Market 15% Age of Insured 50 years or older (date of birth required) Owner Occupied, Tenants Burglar Alarm*** 5% 24 hour monitoring by Central Alarm Station. Must be ULC or UL approved (copy of certificate required) Owner Occupied, Tenants Fire Alarm*** 5% 24 hour monitoring by Central Alarm Station. Must be ULC or UL approved (copy of certificate required) Owner Occupied, Tenants Mortgage Free 5% Available to risks with no mortgage Owner Occupied Centrally Monitored Water Alarm Discount Water Alarm Discount 5% 3% *These discounts are not available for: a) Professionally installed sensors, with water shut off systems installed to all of the Insured s water appliances (hot water heater, washing machine, dishwasher, etc) b) Alarm and shut off system must be operational during a power outage. c) 24 hour monitoring by Central Alarm Station. a) Professionally installed sensors, with water shut off systems installed to all of the Insured s water appliances (hot water heater, washing machine, dishwasher, etc.). b) Alarm and shut off system must be operational during a power outage. Owner Occupied and Seasonal/Rented to others Owner Occupied and Seasonal/Rented to others Summer/Seasonal or Rented to Others Manufactured/Mobile Homes, unless otherwise specified Un-skirted Mobile Homes Wood Burning Device Surcharge Personal Articles Floater **Double wide must be originally manufactured as double wide, usual width 22 feet or more. Additions are not eligible. ***Certificate is required for all alarm discounts. Ontario 7 Elite Insurance Company August 1, 2013

20 MANUFACTURED/MOBILE HOME GUIDELINES SECTION SURCHARGES Surcharge Amount Eligibility Applicable No Photo on New Business 25% New Business submitted without photograph ALL Un-skirted Manufactured/Mobile Home 25% Manufactured/Mobile Home not fully skirted ALL Wood Stoves See applicable Rate Page CSA, ULC, Warnock-Hersey approved with photo or Wett Certified ALL OPTIONAL COVERAGES CPL EXTENDED TO GOLF CART CPL can also be extended to cover the use of a golf cart while in use within a private mobile home, retirement or recreational park where the insured premises is situated for an additional $25 premium. A golf cart while in use on a golf course is automatically covered. Attach golf cart endorsement found on the Elite website and check applicable box on the application. ADDITIONAL OPTIONAL COVERAGES Item Annual Rate Per $100 BICYCLE... $3.00 Deductible $100 BOAT, MOTOR AND TRAILER... $3.00 All Risk (Submit to Company for approval for boats 20 and over and/or powered by motor(s) over 100 HP.) Deductible $100 CAMERAS... $2.00 Including all cameras, projection equipment and accessories pertaining thereto and moveable sound equipment pertaining to motion pictures. Deductible Nil COMPUTER (PERSONAL)... $1.50 Laptop $ $3.50 Deductible $100 EARTHQUAKE, mobile home and contents... $50 flat Deductible 5% FINE ARTS, without breakage... $2.00 Deductible Nil FIREARMS... $1.50 Deductible Nil Ontario 8 Elite Insurance Company April 1 / May 1, 2006

21 MANUFACTURED/MOBILE HOME GUIDELINES SECTION OPTIONAL COVERAGES (Cont d) Item Annual Rate Per $100 FURS...$0.60 garments trimmed with fur or consisting principally of fur. Deductible Nil GARDEN TRACTORS/GOLF CARTS...Refer ($5,000 coverage included) Additional coverage over $5,000 GLASS BREAKAGE...$25 flat Deductible $100 HEARING AIDS...$4.00 Deductible Nil JEWELLERY... First $5,000 $ Excess $2.00 (jewellery valued at $3,000 or more require a current appraisal showing Insured s name & address) Deductible Nil... MUSICAL INSTRUMENTS - Non - Professional only...$1.50 Deductible Nil RENTAL INCOME...$0.20 Policy Deductible SILVERWARE, GOLDWARE, PEWTERWARE...$1.50 Deductible Nil SPORTS EQUIPMENT...$3.00 Deductible $100 STAMP AND COIN COLLECTIONS...$1.00 Deductible Nil Ontario 9 Elite Insurance Company April 1 / May 1, 2006

22 MANUFACTURED/MOBILE HOME GUIDELINES SECTION OPTIONAL COVERAGES (Cont d) TOOLS...$3.00 (maximum limit $1,000 per item) Deductible $100 VACANCY PERMIT Call Underwriter... $30 per month maximum is 90 days WHEELCHAIRS-ELECTRIC...$2.00 Deductible $50 WHEELCHAIRS REGULAR...$1.50 Deductible $50 Ontario 10 Elite Insurance Company September 1, 2009

23 MANUFACTURED/MOBILE HOME GUIDELINES SECTION EXTENSIONS OF LIABILITY Limits of Liability $1,000,000 $2,000,000 Principal Residence Included in Owner Occupied, Renters $25 Additional Residence $15 $25 Use of Golf Cart (golf cart endorsement on website) $25 $25 Seasonal/Rented to Others $15 $25 Incidental Office Use $15 $25 Business Use: Incidental School Day Care $11 per child (max. 3) $18 per child (max. 3) $13 per child (max. 3) $23 per child (max. 3) Swimming Pool a/o Hot Tub $15 $25 Each Saddle or Draft Animal $15 (max. 2) $25 (max. 2) Farmers Personal Liability* $15 $25 Outboard Motor & Inboard/Outboard Motors: 25 HP to 50 HP $16 $30 51 HP to 100 HP $26 $ HP & over Refer to Company Refer to Company *Farmers Personal Liability Coverage: In order to provide proper Liability Coverage for your clients who live on small acreage and have a few farm animals, you may provide coverage by extending the liability in the Declarations. This is for a small hobby farm, not the fulltime farmer. Refer to company if annual gross receipts are over $10,000. Ontario 11 Elite Insurance Company April 1 / May 1, 2006

24 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and Personal Property Protected ACV/ACV Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 12 August 1, 2013

25 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and RC on Personal Property Protected ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer ACV/RC Named Perils & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 13 August 1, 2013

26 Manufactured/Mobile Home-Owner Occupied Southern Ontario RC on Mobile Home and Personal Property Protected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 14 August 1, 2013

27 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and Personal Property Semi-Protected ACV/ACV Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 15 August 1, 2013

28 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and RC on Personal Property Semi-Protected ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer ACV/RC Named Perils & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 16 August 1, 2013

29 Manufactured/Mobile Home-Owner Occupied Southern Ontario RC on Mobile Home and Personal Property Semi-Protected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 17 August 1, 2013

30 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and Personal Property Unprotected ACV/ACV Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 18 August 1, 2013

31 Manufactured/Mobile Home-Owner Occupied Southern Ontario ACV Coverage on Mobile Home and RC on Personal Property Unprotected ACV/RC Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 19 August 1, 2013

32 Manufactured/Mobile Home-Owner Occupied Southern Ontario RC on Mobile Home and Personal Property Unprotected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 20 August 1, 2013

33 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and Personal Property Protected ACV/ACV Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 21 August 1, 2013

34 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and RC on Personal Property Protected ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer ACV/RC Named Perils & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 22 August 1, 2013

35 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario RC on Mobile Home and Personal Property Protected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 23 August 1, 2013

36 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and Personal Property Semi-Protected ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer ACV/ACV Named Perils & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 24 August 1, 2013

37 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and RC on Personal Property Semi-Protected ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer ACV/RC Named Perils & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 25 August 1, 2013

38 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario RC on Mobile Home and Personal Property Semi-Protected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 26 August 1, 2013

39 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and Personal Property Unprotected ACV/ACV Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 27 August 1, 2013

40 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario ACV Coverage on Mobile Home and RC on Personal Property Unprotected ACV/RC Named Perils ACV of Mobile Home Personal Property (incl) Model Year 1990 & Newer & older 25,000 18, ,500 20, ,000 22, ,500 24, ,000 26, ,500 28, ,000 30, ,500 31, ,000 33, ,500 35, ,000 37, ,500 39, ,000 41, ,500 43, ,000 45, ,500 46, ,000 48, ,500 50, ,000 52, ,500 54, ,000 56, ,500 58, ,000 60, Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Recommended Minimum Mobile Home ACV Limits: Deductible Options: Model Year Single Wide Double Wide $500 Standard 1990 & newer $35,000 $60,000 $1,000 -$ $30,000 $55,000 $2,500 -$ $25,000 $50, & older $25,000 $40,000 Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 28 August 1, 2013

41 Manufactured/Mobile Home-Owner Occupied Northern / North Western Ontario RC on Mobile Home and Personal Property Unprotected RC of Mobile Home RC/RC Named Perils or All Risk Model Year 1990 & Newer Model Year NP AR NP AR 45, , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Minimum "RC" Limits Deductible Options: Model Year Single Wide Double Wide $500 Standard All Years $45,000 $70,000 $1,000 -$25 $2,500 -$50 Personal Property Limits All Risk Form: 100% of Coverage A Named Perils: 75% of Coverage A Remember: Replacement cost valuation should be based on minimum $65/sq ft. Discounts: Surcharges: Mature Market (50+) 15% No Photo on New Business +25% Double Wide 20% Unskirted Mobile Home +25% Claims Free (3 yrs) 10% Burglar Alarm 5% Fire Alarm 5% Mortgage Free 5% Centrally Monitored Water Alarm 5% Water Alarm 3% Maximum discount allowed 40% Ontario Elite Insurance Company 29 August 1, 2013

42 Mobile Home Ontario Tenant's Package $500 Deductible Named Perils Personal Property Protected Semi-Protected Unprotected (incl.) ACV Cov. RC Cov. ACV Cov. RC Cov. ACV Cov. RC Cov. 10, , , , , , , , , , , , , , , , , , , , , Additional per 1000 Contents Auxilliary Wood Heat Discounts: Surcharges: Mature Market (50+) 15% No photo on New Business (> 10 yrs) +25% Claims Free (3 yrs) 10% Unskirted Mobile Home +25% Maximum discount allowed 40% Ontario Elite Insurance Company 30 July 1 / August 1, 2012

43 Mobile Home Ontario Rented to Others $500 Deductible ACV/ACV Fire & EC ACV (Home) Out (Incl.) Personal (Incl.) Mobile Protected Building Semi-Protected Property Unprotected 15, , , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Add Liability Surcharges: $1,000,000 $15 No photo on New Business +25% $2,000,000 $25 Unskirted Mobile Home +25% Discounts: Centrally Monitored Water Alarm 5% Water Alarm 3% Ontario Elite Insurance Company 31 August 1, 2013

44 Mobile Home Ontario Summer or Seasonal $500 Deductible ACV/ACV Fire & EC ACV of Mobile Home Outbuilding (Incl.) Personal Property (Incl.) Protected Semi-Protected Unprotected 15, , , , , , , , , , , , , , , , Additional per 1000 Building Outbuilding Contents Auxilliary Wood Heat Burglary Coverage for Personal Property: - show limit on declaration page - rate is $10 per $1000 of coverage - maximum amount of burglary coverage on contents $5000 Add Liability Surcharges: $1,000,000 $15 No photo on New Business +25% $2,000,000 $25 Unskirted Mobile Home +25% Discounts: Centrally Monitored Water Alarm 5% Water Alarm 3% Ontario Elite Insurance Company 32 August 1, 2013

45 Ontario Recreational Trailers Section Ontario Recreational Trailers Elite Insurance Company

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47 Recreational Trailers Underwritten by this Program Tent Trailer Truck Camper Travel Trailer 5 th Wheel Horse or Stock Trailer with living quarters (max. 2 animals) Toy Haulers with living quarters Ontario Recreational Trailers Elite Insurance Company Mar 1 / Apr. 1, 2014

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49 Ontario Recreational Trailers Elite Insurance Company GENERAL SECTION

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51 RECREATIONAL TRAILERS GENERAL SECTION BROKER BINDING AUTHORITY Brokers have full authority to bind the Company for all Personal Property risks provided: a) the named insured consents to access to personal information b) a fully completed and signed application has been received by the broker and the risk has been submitted to the Company in writing (or by any other means of communication accepted by the Company, including upload) within 5 business days; c) if the date coverage has been bound and the effective date of the application is the same date, the time coverage was actually bound must be clearly documented on the application; and d) the risk is considered to be satisfactory to the agent/broker and one that can be recommended in all aspects. e) the risk does not have to be referred prior to binding. RISKS TO BE REFERRED TO COMPANY PRIOR TO BINDING Risks in the name of a company or corporation or Estate Risks valued in excess of $400,000 Risks residing outside of the Insured s province Risks which to your knowledge have been cancelled, lapsed or declined by any insurer Risks owned and/or occupied by 3 or more unrelated individuals Risks with 2 or more liens and/or mortgages Properties of twenty (20) acres (8.10 hectares) or more in size Risks that are vacant Risks requiring Comprehensive Personal Liability Risks travelling within the United States in excess of 6 consecutive months Risks requiring the Full Timers Endorsement BUSINESS NOT WRITTEN Any risk located within 50km of an area under restriction during forest fire alerts by any civil authority. Any area where there is an impending flood Applications that are effective prior to the broker/agent signature date Risks which are rented or leased to others Risks used for commercial or business purposes Risks that are used as a principal residence or occupied on a full time basis without the Full Timers Endorsement. Risks which are physically substandard or poorly maintained Risks with heating that was not factory installed Risks with any solid fuel burning appliance (i.e. wood stoves) Any unit that was not originally designed and/or manufactured as a Recreational Trailer underwritten by this program Risks with Oil Heat Risks with partitions built-on, other than those designed by manufacturers Risks with extensions and/or modifications that are not professionally installed Risks with 2 or more claims in the preceding three years Risks that are currently identified or have been identified in the past as Grow-ops Horse/Livestock or Toy Haulers without living quarters Horse/Livestock trailers designed to carry more than 2 animals Horse/Livestock trailers with a Full Timers Package Ontario Recreational Trailers Elite Insurance Company 1 Mar 1 / Apr. 1, 2014(R)

52 RECREATIONAL TRAILERS GENERAL SECTION COVERAGES Actual Cash Value Named Perils No age restriction Must be insured to current actual cash value and include all applicable options and taxes. Insured selects the limit at which to insure the recreational trailer. If the limit selected is not equal to 100% of the actual cash value of the damaged or destroyed unit at the time of the loss, the insured will receive a reduced claim payment based on the application of the co-insurance clause. Personal Property 20% of amount of insurance with option to increase Detached Private Structures $2,500 with option to increase Deductible $300 with option to increase Minimum Policy Premium $100 Actual Cash Value All Risks For Units 0 25 years of age (will be moved to ACV - Named Perils Coverage after 25 years) Must be insured to current actual cash value and include all applicable options and taxes. Insured selects the limit at which to insure the recreational trailer. If the limit selected is not equal to 100% of the actual cash value of the damaged or destroyed unit at the time of the loss, the insured will receive a reduced claim payment based on the application of the co-insurance clause. Personal Property 20% of amount of insurance with option to increase Detached Private Structures $2,500 with option to increase Deductible $300 with option to increase Minimum Policy Premium $100 Replacement Cost All Risks Coverage For Units 0 15 years of age (will be moved to ACV - All Risk Coverage after 15 years) Must be insured to list price new (current model year) and include all applicable options and taxes Personal Property 20% of amount of insurance with option to increase Detached Private Structures $2,500 with option to increase Guaranteed Replacement Cost Endorsement available for models 0 10 years of age (see Optional Coverages Section) Deductible $300 with option to increase Minimum Policy Premium $100 Extensions of Coverage included in all Packages Appliance Extended Warranty Debris Removal Frozen Food Protection Interested Party Rate Protector Moving to Another Location Personal Records Stored in a Computer Prohibited Access Property Removed Reward Coverage Emergency Vacation Expense $2,000 Golf Cart Coverage (Property) $5,000 Pet Injury $1,000 Lock Replacement Coverage $500 Voluntary Medical Payments $5,000 Voluntary Property Damage $1,000 Ontario Recreational Trailers Elite Insurance Company 2 Mar 1 / Apr. 1, 2014(R)

53 RECREATIONAL TRAILERS GENERAL SECTION CANCELLATION If insurance is cancelled at the request of the Company, the earned premium will be calculated pro rata. If insurance is cancelled at the request of the Insured, the earned premium will be calculated short rate. New Business- No flat cancellation is permitted. Renewals - Flat cancellation is permitted if policy returned within 30 days of the renewal date. Risks cancelled by registered letter will not be reinstated. CLAIMS All claims made against the policy will be considered in the rating including Liability losses and losses categorized as Catastrophic. DEDUCTIBLES The standard deductible is $300. The following deductibles are available: $500 $1,000 $1,500 $2,500 $5,000 $10,000 DISAPPEARING DEDUCTIBLE The disappearing deductible reduces the deductible appearing on the Certificate of Property Insurance by 20% of the original deductible amount for each consecutive year the location is claims free. Eligibility: Premium: New business and renewals qualify if the policy holds a $300, $500 or $1000 deductible New Business risks must provide previous insurer(s) and policy number(s). included Once the risk is 5 years claim free, the deductible will be reduced by 100% to zero. After a loss occurs, the deductible returns to the original amount and subsequently reduces again by 20% for each full year of being claims free. Ontario Recreational Trailers Elite Insurance Company 3 Mar 1 / Apr. 1, 2014

54 RECREATIONAL TRAILERS GENERAL SECTION LETTERS OF BROKERAGE (AUTHORIZATION) Mid-term letters of authorization are not acceptable. If an insured wishes to change brokers mid-term, the policy must be cancelled and a new policy issued. We will allow pro-rata cancellation in these cases. We accept LOAs on renewal. For both mid-term changes and LOAs at renewal, we require a fully completed and signed application. PERMANENTLY PARKED RECREATIONAL TRAILERS Permanently Parked Trailers are acceptable. If the recreational trailer is permanently parked and professionally skirted and located on permanent foundation, it may qualify for our Park Model program subject to underwriting eligibility. TERM The maximum term is one year. AWNING EXCLUSION Applies if the risk has had more than 2 awning claims of any kind within the preceding 5 years. This excludes a total loss. HAIL EXCLUSION Applies when the insured accepts a cash settlement in lieu of repairs when the claim is caused by hail. Ontario Recreational Trailers Elite Insurance Company 4 Mar 1 / Apr. 1, 2014

55 Ontario Recreational Trailers Elite Insurance Company OPTIONAL COVERAGE SECTION

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57 RECREATIONAL TRAILERS OPTIONAL COVERAGE SECTION Discounts and Surcharges are not applicable to Optional Coverages ebike ENDORSEMENT Covers physical damage and liability extension for ebikes. Premium: $10/$100 of ebike value. EMERGENCY VACATION EXPENSE Provides coverage for reasonable and necessary emergency expenses if the unit is lost or damaged as a result of an insured peril. Limit Premium $2,000 Included $3,000 $30 $4,000 $40 $5,000 $50 ERS PLUS EMERGENCY ROADSIDE ASSISTANCE This optional coverage provides your customer with roadside assistance should their trailer suffer a mechanical breakdown. Some coverage highlights are: Mechanical breakdown Towing Legal Advice Battery boosts Lockout Service Flat Tire Service Health Information Trip Travel Planning Fuel Delivery Service See our wording for more details. Premium: $65.00 FULL TIMERS ENDORSEMENT This coverage is mandatory for those who travel full time in their recreational trailer. This endorsement adds additional property coverage and increases personal property limit by $15,000. Premium: $ Ontario Recreational Trailers Elite Insurance Company 1 Mar 1 / Apr. 1, 2014

58 RECREATIONAL TRAILERS OPTIONAL COVERAGE SECTION GUARANTEED REPLACEMENT COST ENDORSEMENT Available for models 0 10 years of age Insured must be the original owner Original Bill of Sale is required Must be insured to list price (current model year) and include all applicable options and taxes Premium varies depending on age of unit (applied as a percentage) Age of Unit Percentage to be applied to base premium 1 2% 2 4% 3 6% 4 8% 5 10% % 7 15% % 9 20% 10 23% LIABILITY PREMISES LIABILITY ENDORSEMENT Limit Premium $1,000,000 $10 $2,000,000 $20 $3,000,000 $30 $4,000,000 $40 $5,000,000 $50 COMPREHENSIVE PERSONAL LIABILITY ENDORSEMENT This endorsement is available if: The insured travels full time in their trailer and does not have a primary residence insurance policy Premises Liability of $1,000,000 or $2,000,000 is purchased (not available for higher liability limits) Coverage has been approved by underwriting. Premium: $50 GOLF CART LIABILITY EXTENSON Liability can be extended to cover a golf cart while used on a golf course or in a private mobile home or recreational vehicle park. Premium: $25.00 SEWER BACKUP ENDORSEMENT Coverage for loss or damage caused by backing up or escape of water from a sewer, sump pump, septic system, etc. Premium: $10.00 Ontario Recreational Trailers Elite Insurance Company 2 Mar 1 / Apr. 1, 2014

59 Ontario Recreational Trailers Elite Insurance Company DISCOUNTS / SURCHARGES SECTION

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61 RECREATIONAL TRAILERS DISCOUNTS SECTION Discounts and Surcharges are not applicable to Optional Coverages. DISCOUNTS Trailer and Car/Home Discount... 10% A discount will apply if the Named Insured and/or their Spouse insure a private passenger vehicle and/or principal residence provided: The Named Insured and their Spouse reside in the same household, and; The private passenger vehicle and/or principal residence is insured with any company in the Aviva group of companies and through the same insurance intermediary. Secure and Supervised RV Park Discount...5% Unit must be permanently located in a park that: Is supervised by an onsite representative of the park; Is plowed throughout the winter months, and; has year round access for emergency vehicles. Security Discounts Only one discount applicable per risk Unit equipped with a fully functioning monitored alarm or geographic tracking system... 10% An alarm certificate and/or proof of installation is required. Unit equipped with a fully functioning local alarm system... 5% Proof of installation is required. *The maximum combined discount amount is capped at 40% SURCHARGE Claims Surcharge % Applies if the applicant has had 2 or more claims in the past 5 years. The surcharge will apply to the 2 nd claim, and each subsequent claim. Does not apply to awning claims if the awning exclusion has been applied to the policy. Ontario Recreational Trailers 1 Elite Insurance Company Mar 1 / Apr. 1, 2014

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63 Holiday Trailers-Ontario Actual Cash Value - NAMED PERILS Any Age Value of Personal Premium by Deductible Unit Property $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $1,000 $ $2,000 $ $3,000 $ $4,000 $ $5,000 $1, $6,000 $1, $7,000 $1, $8,000 $1, $9,000 $1, $10,000 $2, $11,000 $2, $12,000 $2, $13,000 $2, $14,000 $2, $15,000 $3, $16,000 $3, $17,000 $3, $18,000 $3, $19,000 $3, $20,000 $4, $21,000 $4, $22,000 $4, $23,000 $4, $24,000 $4, $25,000 $5, $26,000 $5, $27,000 $5, $28,000 $5, $29,000 $5, $30,000 $6, $31,000 $6, $32,000 $6, $33,000 $6, $34,000 $6, $35,000 $7, $36,000 $7, Ontario - Recreational Trailers Elite Insurance Company 1 Mar. 1 / Apr. 1, 2014 (R)

64 Holiday Trailers-Ontario Actual Cash Value - NAMED PERILS Any Age $37,000 $7, $38,000 $7, $39,000 $7, $40,000 $8, $41,000 $8, $42,000 $8, $43,000 $8, $44,000 $8, $45,000 $9, $46,000 $9, $47,000 $9, $48,000 $9, $49,000 $9, $50,000 $10, $51,000 $10, $52,000 $10, $53,000 $10, $54,000 $10, $55,000 $11, $56,000 $11, $57,000 $11, $58,000 $11, $59,000 $11, $60,000 $12, $61,000 $12, $62,000 $12, $63,000 $12, $64,000 $12, $65,000 $13, Each additional $1000 Personal Property 12.8 Holiday Trailer 14.7 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario - Recreational Trailers Elite Insurance Company 2 Mar. 1 / Apr. 1, 2014 (R)

65 Holiday Trailers-Ontario Actual Cash Value - ALL RISKS Units 25 Years Old or Less Value of Personal Premium by Deductible Unit Property $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $1,000 $ $2,000 $ $3,000 $ $4,000 $ $5,000 $1, $6,000 $1, $7,000 $1, $8,000 $1, $9,000 $1, $10,000 $2, $11,000 $2, $12,000 $2, $13,000 $2, $14,000 $2, $15,000 $3, $16,000 $3, $17,000 $3, $18,000 $3, $19,000 $3, $20,000 $4, $21,000 $4, $22,000 $4, $23,000 $4, $24,000 $4, $25,000 $5, $26,000 $5, $27,000 $5, $28,000 $5, $29,000 $5, $30,000 $6, $31,000 $6, $32,000 $6, $33,000 $6, $34,000 $6, $35,000 $7, $36,000 $7, Ontario - Recreational Trailers Elite Insurance Company 3 Mar. 1 / Apr. 1, 2014 (R)

66 Holiday Trailers-Ontario Actual Cash Value - ALL RISKS Units 25 Years Old or Less $37,000 $7, $38,000 $7, $39,000 $7, $40,000 $8, $41,000 $8, $42,000 $8, $43,000 $8, $44,000 $8, $45,000 $9, $46,000 $9, $47,000 $9, $48,000 $9, $49,000 $9, $50,000 $10, $51,000 $10, $52,000 $10, $53,000 $10, $54,000 $10, $55,000 $11, $56,000 $11, $57,000 $11, $58,000 $11, $59,000 $11, $60,000 $12, $61,000 $12, $62,000 $12, $63,000 $12, $64,000 $12, $65,000 $13,000 1, Each additional $1000 Personal Property 12.8 Holiday Trailer 15.5 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario - Recreational Trailers Elite Insurance Company 4 Mar. 1 / Apr. 1, 2014 (R)

67 Holiday Trailers-Ontario Replacement Cost - ALL RISKS Units 15 Years Old or Less Value of Personal Premium by Deductible Unit Property $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $1,000 $ $2,000 $ $3,000 $ $4,000 $ $5,000 $1, $6,000 $1, $7,000 $1, $8,000 $1, $9,000 $1, $10,000 $2, $11,000 $2, $12,000 $2, $13,000 $2, $14,000 $2, $15,000 $3, $16,000 $3, $17,000 $3, $18,000 $3, $19,000 $3, $20,000 $4, $21,000 $4, $22,000 $4, $23,000 $4, $24,000 $4, $25,000 $5, $26,000 $5, $27,000 $5, $28,000 $5, $29,000 $5, $30,000 $6, $31,000 $6, $32,000 $6, $33,000 $6, $34,000 $6, $35,000 $7, $36,000 $7, Ontario - Recreational Trailers Elite Insurance Company 5 Mar. 1 / Apr. 1, 2014 (R)

68 Holiday Trailers-Ontario Replacement Cost - ALL RISKS Units 15 Years Old or Less Value of Personal Premium by Deductible Unit Property $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $37,000 $7, $38,000 $7, $39,000 $7, $40,000 $8, $41,000 $8, $42,000 $8, $43,000 $8, $44,000 $8, $45,000 $9, $46,000 $9, $47,000 $9, $48,000 $9, $49,000 $9, $50,000 $10, $51,000 $10, $52,000 $10, $53,000 $10, $54,000 $10, $55,000 $11, $56,000 $11, $57,000 $11, $58,000 $11, $59,000 $11, $60,000 $12, $61,000 $12, $62,000 $12, $63,000 $12, $64,000 $12, $65,000 $13,000 1, Each additional $1000 Personal Property 12.8 Holiday Trailer 15.5 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario - Recreational Trailers Elite Insurance Company 6 Mar. 1 / Apr. 1, 2014 (R)

69 Ontario Recreational Park Model Trailers Section

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71 RECREATIONAL PARK MODEL TRAILERS Designed to provide coverage for owner occupied seasonal Park Model and Recreational Trailers that are permanently parked, skirted and located on permanent foundation. Ontario Recreational Park Models Elite Insurance 1 Mar. 1 / Apr. 1, 2014

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73 Ontario Recreational Park Models Elite Insurance Company GENERAL SECTION

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75 RECREATIONAL PARK MODEL TRAILERS GENERAL SECTION BROKER BINDING AUTHORITY Brokers have full authority to bind the Company for all Personal Property risks provided: a) the named insured consents to access to personal information b) a fully completed and signed application has been received by the broker and the risk has been submitted to the Company in writing (or by any other means of communication accepted by the Company, including upload) within 5 business days; c) if the date coverage has been bound and the effective date of the application is the same date, the time coverage was actually bound must be clearly documented on the application; and d) the risk is considered to be satisfactory to the agent/broker and one that can be recommended in all aspects. e) the risk does not have to be referred prior to binding. RISKS TO BE REFERRED TO COMPANY PRIOR TO BINDING Park Models in the name of a company or corporation or Estate Park Models valued in excess of $400,000 Risks which to your knowledge have been cancelled, lapsed or declined by any insurer Risks owned and/or occupied by 3 or more unrelated individuals Risks with 2 or more liens and/or mortgages Properties of twenty (20) acres (8.10 hectares) or more in size Risks that are vacant BUSINESS NOT WRITTEN Any risk located within 50km of an area under restriction during forest fire alerts by any civil authority. Any area where there is an impending flood. Applications that are effective prior to the broker/agent signature date. Risks which are rented or leased to others Risks used for commercial or business purposes Risks that are used as a principal residence or occupied on a full time basis. Risks which are physically substandard or poorly maintained Risks with heating that was not factory installed Risks with any solid fuel burning appliance (i.e. wood stoves) Any unit that was not originally designed and/or manufactured as a Park Model Trailer, and / or any Recreational Trailer now permanently parked that does not meet all the eligibility requirements of a Park Model Trailer Home built or refurbished units Risks with Oil Heat Risks with partitions built-on, other than those designed by manufacturers Risks with extensions and/or modifications to the that are not professionally installed Risks under construction Park Models with any US exposure Risks with 2 or more claims in the preceding three years Risks that are currently identified or have been identified in the past as Grow-ops Risks that are not professionally skirted Risks not located on a permanent foundation specifically designed to support the unit Risks with a roof that is 25 years of age or greater Ontario Recreational Park Models Elite Insurance Company 1 Mar 1 / Apr 1, 2014(R1)

76 RECREATIONAL PARK MODEL TRAILERS GENERAL SECTION COVERAGES Actual Cash Value - Named Perils No age restriction Must be insured to current actual cash value and include all applicable options and taxes. Insured selects the limit at which to insure the recreational trailer. If the limit selected is not equal to 100% of the actual cash value of the damaged or destroyed unit at the time of the loss, the insured will receive a reduced claim payment based on the application of the co-insurance clause. Personal Property 40% of amount of insurance with option to increase Detached Private Structures 10% of amount of insurance with option to increase Deductible $300 with option to increase Minimum Policy Premium $300 Actual Cash Value All Risks For Units 0 25 years of age (will be moved to ACV Named Perils Coverage after 25 years) Must be insured to current actual cash value and include all applicable options and taxes. Insured selects the limit at which to insure the recreational trailer. If the limit selected is not equal to 100% of the actual cash value of the damaged or destroyed unit at the time of the loss, the insured will receive a reduced claim payment based on the application of the co-insurance clause. Personal Property 40% of amount of insurance with option to increase Detached Private Structures 10% of amount of insurance with option to increase Deductible $300 with option to increase Minimum Policy Premium $300 Replacement Cost - All Risk For Models 0 15 years of age (will be moved to All Risk ACV Coverage after 15 years) Must be insured to list price new (current model year) and include all applicable options and taxes Personal Property 40% of amount of insurance with option to increase Detached Private Structures 10% of amount of insurance with option to increase Guaranteed Replacement Cost Endorsement available for models 0 10 years of age (see Optional Coverages Section) Deductible $300 with option to increase Minimum Policy Premium $300 Included in all Packages Appliance Extended Warranty Debris Removal Frozen Food Protection Interested Party Rate Protector Moving to Another Location Personal Records Stored in a Computer Prohibited Access Property Removed Reward Coverage Emergency Vacation Expense $2,000 Golf Cart Coverage (Property) $5,000 Pet Injury $1,000 Lock Replacement Coverage $500 Voluntary Medical Payments $5,000 Voluntary Property Damage $1,000 Ontario Recreational Park Models Elite Insurance Company 2 Mar 1 / Apr 1, 2014(R1)

77 RECREATIONAL PARK MODEL TRAILERS GENERAL SECTION CANCELLATION If insurance is cancelled at the request of the Company, the earned premium will be calculated pro rata. If insurance is cancelled at the request of the Insured, the earned premium will be calculated short rate. New Business- No flat cancellation is permitted. Renewals - Flat cancellation is permitted if policy returned within 30 days of the renewal date. Risks cancelled by registered letter will not be reinstated. CLAIMS All claims made against the policy will be considered in the rating including Liability losses and losses categorized as Catastrophic. DEDUCTIBLES The standard deductible is $300. The following deductibles are available: $500 $1,000 $1,500 $2,500 $5,000 $10,000 DISAPPEARING DEDUCTIBLE The disappearing deductible reduces the deductible appearing on the Certificate of Property Insurance by 20% of the original deductible amount for each consecutive year the location is claims free. Eligibility: New Business and Renewals qualify if the policy holds a $300, $500 or $1000 deductible New Business risks must provide previous insurer(s) and policy number(s). Once the risk is 5 years claim free, the deductible will be reduced by 100% to zero. After a loss occurs, the deductible returns to the original amount and subsequently reduces again by 20% for each full year of being claims free. LETTERS OF BROKERAGE (AUTHORIZATION) Mid-term letters of authorization are not acceptable. If an insured wishes to change brokers mid-term, the policy must be cancelled and a new policy issued. We will allow pro-rata cancellation in these cases. We accept LOAs on renewal. For both mid-term changes and LOAs at renewal, we require a fully completed and signed application. PERMANENTLY OCCUPIED PARK MODEL TRAILERS The Park Model Trailer must be used for Seasonal occupancy only. If the Park Model is used on a full time basis, it does not qualify for this program and the risk should be written under the Mobile Home program subject to underwriting eligibility. Ontario Recreational Park Models 3 Elite Insurance Company Mar 1 / Apr 1, 2014

78 RECREATIONAL PARK MODEL TRAILERS GENERAL SECTION TERM The maximum term is one year. AWNING EXCLUSION Applies if the risk has had more than 2 awning claims of any kind. This excludes a total loss. HAIL EXCLUSION Applies when the insured accepts a cash settlement in lieu of repairs when the claim is caused by hail. Ontario Recreational Park Models Elite Insurance 4 Mar. 1 / Apr. 1, 2014

79 Ontario Recreational Park Models Elite Insurance Company OPTIONAL COVERAGE SECTION

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81 RECREATIONAL PARK MODEL TRAILERS OPTIONAL COVERAGE SECTION Discounts and Surcharges are not applicable to Optional Coverages. ebike ENDORSEMENT Covers physical damage and liability extension for ebikes. Premium: $10/$100 of ebike value. EMERGENCY VACATION EXPENSE INCREASE Provides coverage for reasonable and necessary emergency expenses if the unit is lost or damaged as a result of an insured peril. Limit Premium $2,000 Included $3,000 $30 $4,000 $40 $5,000 $50 GUARANTEED REPLACEMENT COST ENDORSEMENT Available for models 0 10 years of age Insured must be the original owner Original Bill of Sale is required Risk must be insured to 100% replacement value and include applicable options and taxes Premium varies depending on age of unit (applied as a percentage) Age of Unit Percentage to be applied to base premium 1 2% 2 4% 3 6% 4 8% 5 10% % 7 15% % 9 20% 10 23% Ontario Recreational Park Models Elite Insurance 1 Mar. 1 / Apr. 1, 2014

82 RECREATIONAL PARK MODEL TRAILERS OPTIONAL COVERAGE SECTION LIABILITY PREMISES LIABILITY ENDORSEMENT Limit Premium $1,000,000 - $10 $2,000,000 Included $3,000,000 $10 $4,000,000 $20 $5,000,000 $30 COMPREHENSIVE PERSONAL LIABILITY ENDORSEMENT This endorsement is available if: The insured travels full time in their trailer and does not have a primary residence insurance policy Premises Liability of $1,000,000 or $2,000,000 is purchased (not available for higher liability limits) Coverage has been approved by underwriting. Premium: $50 GOLF CART LIABILITY EXTENSON Liability can be extended to cover a golf cart while used on a golf course or in a private mobile home or recreational vehicle park. Premium: $25.00 SEWER BACKUP ENDORSEMENT Coverage for loss or damages caused by backing up or escape of water from a sewer, sump pump, septic system, etc. Premium: $10.00 Ontario Recreational Park Models Elite Insurance 2 Mar. 1 / Apr. 1, 2014(R)

83 Ontario Recreational Park Models Elite Insurance Company DISCOUNTS / SURCHARGES SECTION

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85 RECREATIONAL PARK MODEL TRAILERS DISCOUNTS SECTION Discounts and Surcharges are not applicable to Optional Coverages. DISCOUNTS Trailer and Car/Home Discount... 10% A discount will apply if the Named Insured and/or their Spouse insure a private passenger vehicle and/or principal residence provided: The Named Insured and their Spouse reside in the same household, and; The private passenger vehicle and/or principal residence is insured with any company in the Aviva group of companies and through the same insurance intermediary. Secure and Supervised RV Park Discount...5% Unit must be permanently located in a park that: Is supervised by an onsite representative of the park; Is plowed throughout the winter months, and; has year round access for emergency vehicles. Security Discounts Only one discount applicable per risk Unit equipped with a fully functioning monitored alarm or geographic tracking system... 10% An alarm certificate and/or proof of installation is required. Unit equipped with a fully functioning fully functioning local alarm system... 5% Proof of installation is required. *The maximum combined discount amount is capped at 40% SURCHARGE Claims Surcharge % Applies if the applicant has had 2 or more claims in the past 5 years. The surcharge will apply to the 2 nd claim, and each subsequent claim. Does not apply to awning claims if the awning exclusion has been applied to the policy. Ontario Recreational Park Models Elite Insurance 1 Mar. 1 / Apr. 1, 2014

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87 RECREATIONAL PARK MODEL TRAILER RATES SECTION Ontario Recreational Park Models Elite Insurance Company 1 Mar. 1 / Apr. 1, 2014 Park Model - Ontario Actual Cash Value - NAMED PERILS Any Age Value of Unit Personal Property Detached Structures Premium by Deductible $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $30,000 $31,000 $32,000 $33,000 $34,000 $35,000 $36,000 $37,000 $38,000 $39,000 $40,000 $41,000 $42,000 $43,000 $44,000 $45,000 $46,000 $47,000 $48,000 $49,000 $50,000 $51,000 $52,000 $53,000 $54,000 $55,000 $56,000 $57,000 $58,000 $59,000 $60,000 $61,000 $62,000 $63,000 $64,000 $65,000 $66,000 $67,000 $68,000 $69,000 $70,000 $71,000 $72,000 $73,000 $74,000 $75,000 $12,000 $12,400 $12,800 $13,200 $13,600 $14,000 $14,400 $14,800 $15,200 $15,600 $16,000 $16,400 $16,800 $17,200 $17,600 $18,000 $18,400 $18,800 $19,200 $19,600 $20,000 $20,400 $20,800 $21,200 $21,600 $22,000 $22,400 $22,800 $23,200 $23,600 $24,000 $24,400 $24,800 $25,200 $25,600 $26,000 $26,400 $26,800 $27,200 $27,600 $28,000 $28,400 $28,800 $29,200 $29,600 $30,000 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,

88 RECREATIONAL PARK MODEL TRAILER RATES SECTION Park Model - Ontario Actual Cash Value - NAMED PERILS Any Age $76,000 $30,400 $7, $77,000 $30,800 $7, $78,000 $31,200 $7, $79,000 $31,600 $7, $80,000 $32,000 $8, $81,000 $32,400 $8, $82,000 $32,800 $8, $83,000 $33,200 $8, $84,000 $33,600 $8, $85,000 $34,000 $8, $86,000 $34,400 $8, $87,000 $34,800 $8, $88,000 $35,200 $8, $89,000 $35,600 $8, $90,000 $36,000 $9, * Premium above includes $2,000,000 premises liability Each additional $1000 Personal Property 10.0 Detached Structure 9.5 Park Model 9.5 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario Recreational Park Models Elite Insurance Company 2 Mar. 1 / Apr. 1, 2014

89 RECREATIONAL PARK MODEL TRAILER RATES SECTION Ontario Recreational Park Models Elite Insurance Company 3 Mar. 1 / Apr. 1, 2014 Park Model - Ontario Actual Cash Value - ALL RISK Units 25 Years Old or Less Value of Unit Personal Property Detached Structures Premium by Deductible $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $30,000 $31,000 $32,000 $33,000 $34,000 $35,000 $36,000 $37,000 $38,000 $39,000 $40,000 $41,000 $42,000 $43,000 $44,000 $45,000 $46,000 $47,000 $48,000 $49,000 $50,000 $51,000 $52,000 $53,000 $54,000 $55,000 $56,000 $57,000 $58,000 $59,000 $60,000 $61,000 $62,000 $63,000 $64,000 $65,000 $66,000 $67,000 $68,000 $69,000 $70,000 $71,000 $72,000 $73,000 $74,000 $75,000 $12,000 $12,400 $12,800 $13,200 $13,600 $14,000 $14,400 $14,800 $15,200 $15,600 $16,000 $16,400 $16,800 $17,200 $17,600 $18,000 $18,400 $18,800 $19,200 $19,600 $20,000 $20,400 $20,800 $21,200 $21,600 $22,000 $22,400 $22,800 $23,200 $23,600 $24,000 $24,400 $24,800 $25,200 $25,600 $26,000 $26,400 $26,800 $27,200 $27,600 $28,000 $28,400 $28,800 $29,200 $29,600 $30,000 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,

90 RECREATIONAL PARK MODEL TRAILER RATES SECTION Park Model - Ontario Actual Cash Value - ALL RISK Units 25 Years Old or Less $76,000 $30,400 $7, $77,000 $30,800 $7, $78,000 $31,200 $7, $79,000 $31,600 $7, $80,000 $32,000 $8, $81,000 $32,400 $8, $82,000 $32,800 $8, $83,000 $33,200 $8, $84,000 $33,600 $8, $85,000 $34,000 $8, $86,000 $34,400 $8, $87,000 $34,800 $8, $88,000 $35,200 $8, $89,000 $35,600 $8, $90,000 $36,000 $9, * Premium above includes $2,000,000 premises liability Each additional $1000 Personal Property 10.0 Detached Structure 10.0 Park Model 10.0 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario Recreational Park Models Elite Insurance Company 4 Mar. 1 / Apr. 1, 2014

91 RECREATIONAL PARK MODEL TRAILER RATES SECTION Ontario Recreational Park Models Elite Insurance Company 5 Mar. 1 / Apr. 1, 2014 Park Model - Ontario Replacement Cost - ALL RISKS Units 15 Years Old or Less Value of Unit Personal Property Detached Structures Premium by Deductible $300 $500 $1,000 $1,500 $2,500 $5,000 $10,000 $30,000 $31,000 $32,000 $33,000 $34,000 $35,000 $36,000 $37,000 $38,000 $39,000 $40,000 $41,000 $42,000 $43,000 $44,000 $45,000 $46,000 $47,000 $48,000 $49,000 $50,000 $51,000 $52,000 $53,000 $54,000 $55,000 $56,000 $57,000 $58,000 $59,000 $60,000 $61,000 $62,000 $63,000 $64,000 $65,000 $66,000 $67,000 $68,000 $69,000 $70,000 $71,000 $72,000 $73,000 $74,000 $75,000 $12,000 $12,400 $12,800 $13,200 $13,600 $14,000 $14,400 $14,800 $15,200 $15,600 $16,000 $16,400 $16,800 $17,200 $17,600 $18,000 $18,400 $18,800 $19,200 $19,600 $20,000 $20,400 $20,800 $21,200 $21,600 $22,000 $22,400 $22,800 $23,200 $23,600 $24,000 $24,400 $24,800 $25,200 $25,600 $26,000 $26,400 $26,800 $27,200 $27,600 $28,000 $28,400 $28,800 $29,200 $29,600 $30,000 $3,000 $3,100 $3,200 $3,300 $3,400 $3,500 $3,600 $3,700 $3,800 $3,900 $4,000 $4,100 $4,200 $4,300 $4,400 $4,500 $4,600 $4,700 $4,800 $4,900 $5,000 $5,100 $5,200 $5,300 $5,400 $5,500 $5,600 $5,700 $5,800 $5,900 $6,000 $6,100 $6,200 $6,300 $6,400 $6,500 $6,600 $6,700 $6,800 $6,900 $7,000 $7,100 $7,200 $7,300 $7,400 $7,

92 RECREATIONAL PARK MODEL TRAILER RATES SECTION Value of Unit $76,000 $77,000 $78,000 $79,000 $80,000 $81,000 $82,000 $83,000 $84,000 $85,000 $86,000 $87,000 $88,000 $89,000 $90,000 Personal Property $30,400 $30,800 $31,200 $31,600 $32,000 $32,400 $32,800 $33,200 $33,600 $34,000 $34,400 $34,800 $35,200 $35,600 $36,000 Detached Structures $7,600 $7,700 $7,800 $7,900 $8,000 $8,100 $8,200 $8,300 $8,400 $8,500 $8,600 $8,700 $8,800 $8,900 $9,000 Park Model - Ontario Replacement Cost - ALL RISKS Units 15 Years Old or Less Premium by Deductible $300 $500 $1,000 $1,500 $2,500 $5,000 $10, * Premium above includes $2,000,000 premises liability Each additional $1000 Personal Property 10.0 Detached Structure 10.0 Park Model 10.0 Please refer to appropriate sections for discounts and endorsements. Minimum policy premium of $100 applies. Ontario Recreational Park Models Elite Insurance Company 6 Mar. 1 / Apr. 1, 2014

93 ONTARIO Motor Homes Section

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95 MOTOR HOMES GENERAL RULES SECTION MOTOR HOME PLAN The Elite Motor Home policy has been developed to provide coverage for Motor Homes and their owners. This policy is for self-propelled motorized vehicles designed exclusively for travel and used for pleasure purposes only. Eligibility for this program is based upon the following: All drivers must be licensed at least 8 years in Canada. The Motor Home is used for pleasure purposes only. The Motor Home must be insured for full value including all taxes. A bill of sale is required where the insured is the original owner. The vehicle is equipped with both cooking facilities and a washroom. CLAIMS REPORTING All Motor Home claims are to be reported by the broker to Elite as soon as possible. You can either phone or fax to the number below: Phone: Press 2 for claims and 1 for Motor Homes Fax: Ontario A 1 Elite Insurance Company Oct. 1 / Nov. 1, 2014

96 MOTOR HOMES GENERAL RULES SECTION DEFINITIONS AND EXPLANATIONS ACCIDENT An occurrence resulting in a claim under the Third Party Liability, Accident Benefits, Collision or the Collision portion of the All Perils Coverage arising out of the ownership, use or operation of an automobile in consequence of which is either an At-Fault accident or a Not-At-Fault accident, defined as follows; At-Fault Accident (a) An amount has been paid or would have been paid but for the existence of the Direct Compensation - Property Damage Section of the Ontario Insurance Act or the Quebec Direct Compensation Agreement or; (b) A loss remains unsettled or unpaid or; (c) A civil suit is pending or has been commenced against the insured person. (d) An occurrence where the Insured s degree of fault is determined to be 25% or less will be considered at fault for risk eligibility but will not be considered in the rating of the vehicle. Note: An accident as defined above is still considered At-Fault when determining the Driving Record even if there was no insurance in effect or the amount of the loss was repaid to the Insurer or the insured chose not to present the claim. Not-At-Fault-Accident (a) Damage to the automobile while it is legally parked provided the accident was reported to the police within 24 hours; (b) Damage resulting from the automobile being struck by an unidentified automobile provided the accident was reported to the police authorities within 24 hours; (c) Damage resulting from the negligence of an uninsured driver who is totally responsible for damage caused; (d) An occurrence in which the Insured s degree of fault is determined as 0% at fault. ACCIDENT FORGIVENESS Accident forgiveness does not apply to any vehicles under the Elite Motor Home Plan. Please see Endorsements for additional protection available. ACCIDENT RATING No accident will be used more than once in determining the additional charges in respect of vehicles insured by Elite whether or not on the same policy, however for a two (2) vehicle policy with one operator and one at fault loss the highest rated vehicle must be rated for the accident. Ontario A 2 Elite Insurance Company September 1, 2010

97 MOTOR HOMES GENERAL RULES SECTION DEFINITIONS AND EXPLANATIONS (Cont d) AGE The age on the birthday immediately prior to the policy period will be used for rating purposes, or, in the case of an additional or substitute driver, as at the effective date of the addition/substitution. APPLICATIONS In order for us to properly rate a Motor Home, the application must be fully completed and signed by the applicant. Incomplete applications will be returned. Motor vehicle driving abstracts and claims experience reports are requested on all drivers. It is important therefore to ensure that applicants answer all questions on the application relating to convictions and claims fully and honestly. BROKER BINDING AUTHORITY Our brokers have authority to bind coverage for the Company for Motor Homes risks in accordance with all the rules within this manual, subject to all of the following restrictions: The broker must not bind any risk that meets the criteria under RISKS TO BE REFERRED BEFORE BINDING or meets the criteria under REASONS FOR DECLINATION. The applicant or named insured must consent to access to personal information as provided by the approved application form A fully completed and signed application has been received by the broker, or the broker has an electronic or voice recording version of the application form in a format that meets standards set by the Company. Note: the Company reserves the right to require a written application if needed as part of an underwriting review. The risk is submitted to the Company in writing (or by any other means of communication accepted by the Company, including upload to the Broker Portal) within 5 business days. If the date coverage has been bound and the effective date of the application is the same date, the TIME coverage was actually bound must be clearly documented in the application and on the temporary liability card and in the policy notes in the Broker Portal. The effective date shown on the policy should be 12:01am of the day following the day the coverage was actually bound. Coverage must not be backdated. Risks must not be bound for a period of more than 30 days. Any misrepresentation or non-disclosure of information will void binder, application and/or policy. The broker must contact the Company if uncertain about risk eligibility or rating rules. BUSINESS USE The operation of a private passenger automobile for Commercial purposes shall be deemed Business, i.e. anyone who either is paid for the use of his vehicle, or profits from the use. Ontario A 3 Elite Insurance Company Oct. 1 / Nov. 1, 2014

98 MOTOR HOMES GENERAL RULES SECTION DEFINITIONS AND EXPLANATIONS (Cont d) COLLISION WITH AN ANIMAL A claim arising from collision with a bird or animal will be considered a Comprehensive claim, subject to the deductible applicable to Comprehensive coverage. COMMON-LAW RELATIONSHIP A man and woman or same sex partners who have co-habited continuously for a period of not less than three years are rated in the same manner as persons legally married and residing with spouse. COMPANY, PARTNERSHIP OR CORPORATION AUTOMOBILES Automobiles of partnerships, companies or corporations used solely for pleasure purposes are rated in the same manner as though the principal operator is the applicant. COMPLIANCE WITH RATING AND UNDERWRITING REGULATIONS All of our brokers and all of our employees are required to comply with all of the applicable laws and regulations of the Province of Ontario that govern rating rules, underwriting rules, processes and practices. All rules and rates are filed with and approved by the regulator and must be applied exactly as written in this manual. If you are unclear on the application of the rules, please contact our underwriting office.. If a policy premium does not match the premium from a rating vendor quote, please contact Aviva Assist. If you become aware of any non-compliance please contact the Aviva Ombuds Office. A summary of key regulations is provided below for easy reference. Please see that actual regulation for complete details. PROHIBITED UNDER REGULATION 7/00 Unfair or Deceptive Acts or Practices TIED SELLING: Making the issuance or variation of a policy of automobile insurance conditional on the insured having or purchasing another insurance policy. MISCLASSIFICATION: When rating a person or a vehicle as an insurance risk for the purpose of determining the premium payable for a policy of automobile insurance, misclassifying the person or vehicle under the risk classification system used by the insurer or that the insurer is required by law to use. CREDIT INFORMATION: When a person uses credit information in connection with any matter relating to quotations for automobile insurance, applications for automobile insurance or renewals of existing contracts of automobile insurance. Ontario A 4 Elite Insurance Company Oct. 1 / Nov. 1, 2014

99 MOTOR HOMES GENERAL RULES SECTION DEFINITIONS AND EXPLANATIONS (Cont d) COMPLIANCE WITH RATING AND UNDERWRITING REGULATIONS (Cont d) PROHIBITED UNDER REGULATION 7/00 Unfair or Deceptive Acts or Practices (Cont d) CREDIT CONSENT: When a person requires someone to consent or to obtain the consent of another person to the collection, use or disclosure of any credit information as a condition for providing a quotation for automobile insurance or an offer to renew an existing contract of automobile insurance. PROHIBITED FACTORS: When a person uses a prohibited factor in connection with any matter relating to quotations for automobile insurance, applications for automobile insurance or renewals of existing contracts of automobile insurance. Prohibited factors include any of the factors listed under Regulation 664 that cannot be used to refuse insurance or cannot be used for rating. See Regulation 664 details below. FAILURE TO OFFER LOWEST RATE OF AFFILIATED INSURERS: When a person fails to provide the lowest rate available from any affiliated automobile insurer available to the broker, in accordance with the declination rules. This requirement applies at the policy level which may include more than one vehicle or exposure. For example, a single policy may cover automobiles, snowmobiles, ATVs and commercial vehicles PROHIBITED UNDER REGULATION 664 Automobile Insurance PROHIBITED FACTORS FOR REFUSING INSURANCE: No insurer shall decline to issue, refuse to renew or terminate any contract of automobile insurance or refuse to provide or continue any coverage or endorsement solely because of the following factors: o Applicant or any insured person was insured by the Facility Association o Another insurer declined to issue or renew automobile insurance o Existence of a physical or mental disability affecting a person o Number of persons or their state of health or life expectancy o Occupation, profession or employment circumstances of any person (except as permitted for Group rating) o Income level or employment history o Whether a person has a credit card o Credit history, credit rating or a history of bankruptcy o Residence history of a person o Whether a person owns a home o Gross or net worth of a person o Indebtedness of a person o Premium payments that were late or dishonoured in respect of a contract of automobile insurance that was not terminated by reason of the late or dishonoured payments o Existence or non-existence of a medical, surgical, dental or hospitalization plan or any other arrangement or plan o Existence or non-existence of an income continuation benefit plan, a sick leave plan or any other arrangement or plan o Request by the applicant to purchase any optional accident benefits o Any past claim for which a person was not at fault Ontario A 5 Elite Insurance Company Oct. 1 / Nov. 1, 2014

100 MOTOR HOMES GENERAL RULES SECTION DEFINITIONS AND EXPLANATIONS (Cont d) COMPLIANCE WITH RATING AND UNDERWRITING REGULATIONS (Cont d) PROHIBITED UNDER REGULATION 664 Automobile Insurance (Cont d) PROHIBITED FACTORS FOR RATING: Insurers are prohibited from using the following factors for determining the premium of any coverage or category of automobile insurance: o Any of the factors prohibited for refusing insurance (see above) o Any past claim arising out of an accident occurring on or after September 1, 2010 for which an insured person was 25 per cent or less at fault. o Lapse in automobile insurance coverage UNLESS a) An insured person is convicted of driving without insurance or of providing an insurance card that falsely purports to show the vehicle is insured, OR b) The lapse resulted from termination of insurance due to non-payment of premium; OR c) The lapse resulted from a driver license suspension following conviction for an offence related to the use or operation of an automobile; OR d) The lapse resulted from an accident or a driving conviction that would likely have increased premium but was not disclosed to the insurer COVERAGE Liability - Bodily Injury and Property Damage Protects Insured if someone else is killed or injured or their property is damaged. It will pay for legitimate claims against the Insured up to the limit of coverage, and will pay the costs of settling the claims. Accident Benefits Coverage Provides benefits if the Insured is injured in an automobile accident, regardless of who caused the accident. These benefits include: Supplementary medical care, rehabilitation and other care; A tax-free income benefit for wage earners or self-employed; An income benefit to those who have no income from employment; An educational benefit to those unable to attend school; An allowance when a caregiver is injured; and When a person dies in an accident, funeral expenses and death benefits. Ontario A 6 Elite Insurance Company Oct. 1 / Nov. 1, 2014

101 MOTOR HOMES GENERAL RULES SECTION COVERAGE (Cont d) Optional Increased Accident Benefits Increased Income Replacement - the standard level of income replacement provided in the policy ($400 per week maximum) may be increased by purchasing optional coverage so that the weekly limit is up to $600, $800 or $1,000. All income replacement benefits are based on 70% of gross weekly income. Increased Medical, Rehabilitation and Attendant Care - the standard benefit pays up to $50,000 for non-catastrophic medical and rehabilitation expenses, with a 10 year time limit in most cases, and up to $36,000 for non-catastrophic attendant care expenses. If catastrophically impaired, the standard benefit pays up to $1,000,000 for medical and rehabilitation expenses and up to $1,000,000 for attendant care expenses. Optional coverage may be purchased for non-catastrophic medical and rehabilitation expenses up to $1,000,000 and non-catastrophic attendant care expenses up to $72,000. If catastrophically impaired, medical and rehabilitation coverage increases up to $1,000,000 and attendant care coverage increases up to $1,000,000. Additional optional coverage may be purchased for medical and rehabilitation up to $1,100,000 for noncatastrophic expenses and up to $1,072,000 for non-catastrophic attendant care. If catastrophically impaired, medical and rehabilitation coverage increases up to $2,000,000 and attendant care coverage increases up to $2,000,000. Medical & Rehabilitation benefit level for minor injuries is capped at $3,500. Increased Caregiver, Housekeeping and Home Maintenance Expenses optional caregiver, housekeeping and home maintenance expenses benefit ($250 per week for the first person and $50 per week for every additional person and $100 for housekeeping and maintenance) is available only for a personal who is catastrophically impaired. An additional optional benefit can be purchased to provide this coverage for all impairments. Dependant Care there is no standard dependant care benefit for persons who are employed and care for dependants. An optional benefit may be purchased to receive weekly dependant care expenses of $75 for the first dependant and $25 for each additional dependant up to $150 per week. Increased Death and Funeral - the standard level of death benefits paid to the surviving spouse and dependant of a person who is killed, ($25,000 to surviving spouse; $10,000 to surviving dependant;) can be doubled by purchasing optional coverage ($50,000 surviving spouse, $20,000 surviving dependant). This optional coverage also increases the basic funeral expense benefit from $6,000 to $8,000. Indexation Benefit - this optional coverage will ensure that certain weekly benefit payments and monetary limits will increase on an annual basis to reflect changes in the cost of living. Ontario A 7 Elite Insurance Company June 1 / August 1, 2013

102 MOTOR HOMES GENERAL RULES SECTION COVERAGE (Cont d) Optional Increased Accident Benefits RATING: Once purchased, the optional accident benefits automatically extend to the Named Insured, the spouse, dependants of either, and to any persons specified in the policy as drivers of the insured automobile(s). Optional accident benefits only need to be purchased once, and not on every vehicle the named insured or those identified above operate. BUY-BACK OPTIONS MOTOR HOMES RENTED MOTOR HOMES Caregiver, Housekeeping and Home Maintenance Medical / Rehab (up to $100,000 for non-catastrophic expenses) (up to $1,000,000 for catastrophic expenses) Attendant Care (up to $72,000 for non-catastrophic expenses) (up to $1,000,000 for catastrophic expenses) $10 $25 $10 $15 $10 $10 ENHANCED OPTIONS MOTOR HOMES RENTED MOTOR HOMES Dependent Care $10 $10 Death and Funeral $10 $10 Indexation $30 $30 Income Replacement: $600/week $800/week $1,000/week Medical / Rehab (up to $1,100,000 for non-catastrophic expenses (up to $2,000,000 for catastrophic expenses) $30 $60 $90 *$50 $30 $60 $90 *$50 Attendant Care (up to $1,072,000 for non-catastrophic expenses (up to $2,000,000 for catastrophic expenses) *Premium includes Buy-Back for Medical/Rehab and Attendant Care Where there is more than one type of vehicle, the premium for the highest rated vehicle will apply. Ontario A 8 Elite Insurance Company Dec. 1, 2010 / Jan. 1, 2011

103 MOTOR HOMES GENERAL RULES SECTION COVERAGE (Cont d) Uninsured Automobile Coverage Provides protection if the Insured is injured or killed by an uninsured motorist or by a hit-and-run driver and covers damage to the Insured's automobile caused by an identified uninsured motorist. Direct Compensation - Property Damage Covers Insured in Ontario for damage to Insured's automobile and to property it is carrying when another motorist is responsible. Loss or Damage Coverages (Optional) All Perils This option combines the coverages of Collision or Upset and Comprehensive see below. This coverage includes loss or damage caused if a person who lives in the Insured s household steals a described automobile. Coverage also applies if an employee who drives or uses, services or repairs a described automobile, steals it. Collision or Upset - Covers losses caused when a described automobile is involved in a collision with another object or tips over. Object includes: Another automobile that is attached to the automobile, The surface of the ground, and Any object in or on the ground. Comprehensive - Covers losses, other than those covered by Collision or Upset, including: DRIVER Perils listed under All Perils, Falling or flying objects, Missiles, and Vandalism. (a) (b) (c) Principal operator of the automobile or, in the case of trailers, any towing vehicle A licensed occupant of the household or employee of the business (listed or not) who is not rated as the principal operator of a personal use private passenger automobile or principal operator of an automobile classified as commercial. A listed driver who is not an occupant of the household or employee of the business and not rated as a principal operator of another automobile insured with Aviva Group Canada. DRIVER UNDER 25 A male or female driver of the automobile resident in the household of which the applicant is a member, or person employed as a driver, who is under 25 years of age. MINIMUM PREMIUM The minimum premium for which a policy will be issued is $494. Ontario A 9 Elite Insurance Company June 1 / August 1, 2013

104 MOTOR HOMES GENERAL RULES SECTION MULTIPLE DRIVERS AND VEHICLES Where there is more than one vehicle and driver in a household each driver should be assigned as a principal driver for rating purposes with any additional drivers assigned as secondary or occasional drivers as appropriate. OWNERSHIP CHANGE If a policy is cancelled because the insured has disposed of the described automobile, the policy coverage must be cancelled by the insured. Transfer of ownership is not permitted. A new application may be submitted for the new owner, subject to underwriting criteria. PERMISSION TO RENT OR LEASE Where vehicles insured are leased from a leasing company the policy will read in the name of the Lessee with the Lessor shown in the space provided on the certificate of insurance. An OPCF 5 Policy Change Form must be attached to the policy. Separate policies are required when not all vehicles insured are leased or more than one leasing company is involved. POLICY FORMS OAP 1 - Ontario Automobile Policy OPCF - Ontario Policy Change Forms as listed herein Ontario Policy Change Forms are used to change the coverage and/or conditions of an automobile policy after issue. To calculate mid-term changes, use original rates for substitutions and deletions; use current rates for additions. When adding coverage to an existing vehicle mid-term use rates in effect at the time the policy or current renewal was issued. The same underwriting guidelines as New Business are applicable. NOTE: In regard to age of a driver, period licensed, period of ownership, period since the date of an accident and period since the date of a traffic offence conviction, the rating is always based on the position as at the effective date of the policy period (or, in the case of a subsequent addition/substitution of a driver or addition of a vehicle, as at the addition/substitution date). Midterm re-rating is NOT permissible in respect of changes that occur in regard to those matters during the period of insurance merely because of the lapse of time. Explanations of commonly used Policy Change Forms and Methods of Rating can be found in this manual. POLICY TERM Twelve-month policy terms only may be written. PROOF OF FINANCIAL RESPONSIBILITY When a certificate is required as Proof of Financial Responsibility such filing shall not affect the rating of the policy under driving record. A $10.00 fee is charged for this filing. Ontario A 10 Elite Insurance Company September 1, 2010

105 MOTOR HOMES GENERAL RULES SECTION VALID OPERATOR'S LICENCE Means that the driver holds a valid driver s license to drive the type of vehicle insured. Valid operator s licenses are of two types, Rateable and Non-Rateable as defined below: Rateable 1. A Level One Class G1 license where the holder is the owner of the insured vehicle and there is no other operator in the household with a valid driver s license to be listed as principal operator. 2. A Level Two Class G2 license. 3. All other license types not listed as Non-Rateable. Non-Rateable 1. A learner s license or a Level One Class G1 license. 2. A license to operate a motorcycle. 3. An International license. Only Rateable License types will be considered valid for automobile insurance purposes. CANCELLATIONS By Insurer - When a policy is cancelled by the insurer, the pro-rata unearned premium is refunded to the insurer By Insured When a policy cancelled at the request of the insured, the unearned premium is calculated from the appropriate short rate table. FLAT CANCELLATIONS Flat cancellations will be allowed only if the renewal is returned to the Company within 30 days of the inception date of the renewal. Note: No flat cancellations are permitted on policies with any certificates that involve giving prior notice of cancellation to the Authority to which they have been filed. Ontario A 11 Elite Insurance Company May 17 / July 17, 2007

106 MOTOR HOMES GENERAL RULES SECTION SHORT RATE CANCELLATION TABLE For any period not shown on this table, apply the next higher percentage. SHORT RATE CANCELLATION TABLE 1 ANNUAL POLICIES TERMS (days) RETAINED % TERMS (days) RETAINED % TERMS (days) RETAINED % REINSTATEMENT If a policy has been cancelled for non-payment of premium, it cannot be bound or reinstated without prior approval from the Company Ontario A 12 Elite Insurance Company May 17 / July 17, 2007 (R)

107 MOTOR HOMES GENERAL RULES SECTION RISKS TO BE REFERRED BEFORE BINDING The following risks must be referred to the Company for approval to bind coverage: Any risk or coverage for which no quote is available in any comparative rating engine Any risk that displays a referral message in any comparative rating engine Any applicant or driver has been cancelled or non-renewed by any insurer in the past 3 years. Any applicant has no prior insurance in Canada. The applicant is not both Register Owner and Actual Owner of the described automobile(s) Any application where there is a gap in insurance coverage of more than 6 months Any application where prior insurance history cannot be confirmed Any application where the prior carrier is the Facility Association Any application in the name of Estate of or Held in Trust Any application that requires a Financial Responsibility Certificate Any vehicle that does not carry the compulsory road coverage Any vehicle registered in a commercial name Any vehicle with unrepaired damage. Any vehicle with a value over $400,000 Any driver with a license suspension or cancellation in the last 6 years Any driver being excluded using an OPCF #28A Vehicles operated outside Ontario for more than 6 months. Motor Home is 20 years of age or older Motor Home is a conversion unit. Ontario A 13 Elite Insurance Company Oct. 1 / Nov. 1, 2014

108 MOTOR HOMES GENERAL RULES SECTION REASONS FOR DECLINATION For Personal Vehicles Motor Homes (owned and rented) and their trailers Any policy in force with Elite Insurance Company where there has been no claims or conviction activity in the expiring term will be exempt from the following declination rules specifically relating to claims or convictions. Section A 1. Applicant or Insured Person 1.1. The applicant/named insured or any listed operator has had 1 or more convictions for automobile insurance fraud in the past 10 years The applicant or any insured person has been convicted of an Automobile Insurance offence under sections 439 or 447 of the Insurance Act within the last 3 years The applicant or insured does not provide a residential address where the vehicle is garaged The applicant or principal driver of an automobile is not ordinarily a resident of Canada or does not plan to remain in Canada for at least a year The applicant/named insured or any listed operator has had 1 or more cancellations for material misrepresentation or non-disclosure in the preceding 3 years Any misrepresentation or breach of a condition in the OAP1 or breach of contract for example but not limited to: where an excluded driver drives or has driven the automobile he or she is excluded from; or failure to promptly notify us in writing of a significant change such as additional drivers, change in the way a described vehicle is used or change in the status of a driver, owner or lessee of a described vehicle The applicant/named insured has given false particulars of the described automobile to the prejudice of the insurer, on new business or mid-term changes with respect to information referred to on the application only The applicant/named insured has misrepresented or failed to disclose a fact contained within the automobile application to the prejudice of the insurer The information required by the application form for issuance of the policy or renewal has not been provided Any insured person has given false or misleading information in a signed Proof of Loss or a claim to the prejudice of an insurer The applicant/insured or any insured person has refused to fully provide requested claims information report. This includes Proof of Loss, Examination under Oath and Accident Benefits claim forms as specified in the Regulations of the Insurance Act Where there is failure to repay benefits received under the policy to which the insured was not entitled The named insured or a listed driver has failed or refused to return to the company within 30 days of receipt, a signed copy of an approved OPCF 28 (Reduction of Coverage for Named Persons) endorsement. Ontario A 14 Elite Insurance Company Oct. 1 / Nov. 1, 2014

109 MOTOR HOMES GENERAL RULES SECTION REASONS FOR DECLINATION For Personal Vehicles Motor Homes (owned and rented) and their trailers Section A (Cont d) 2. Non-Payment Cancellations 2.1. The applicant/named insured have had 3 or more cancellations for non-payment of premium in the preceding 3 years Where the applicant/named insured has failed to pay overdue premium owed to any company within the Aviva family of Companies. 3. At Fault Accidents 3.1. Where a driver or a vehicle has been assigned 2 or more at fault losses in the preceding 6 years. 4. Driving Convictions 4.1. Any listed operator has had 1 or more serious/criminal convictions in the preceding 3 years Any listed operator has had 1 or more major convictions within the preceding 3 years, including operating an automobile without insurance or making a false statement in the certificate of insurance required for the issuance, validations or transfer of a vehicle permit Where a listed operator has had 3 or more minor convictions within the preceding 3 years Where the total number of minor convictions for all operators on any automobile including any operator away at school in the last 3 years is 6 or more. 5. Combination (Non-Pay, At Fault Accidents and Driving Convictions) 5.1. Any listed operator has had 2 minor convictions within the preceding 3 years and the applicant/named insured has had 2 cancellations for non-payment of premium within the preceding 3 years 5.2. The described automobile or one for which it has been substituted or any listed operator has been assigned 1 at fault accident and the applicant has had 1 cancellation for non-payment of premium within the preceding 3 years The described automobile or one for which it has been substituted or any single operator licensed has been assigned 1 at fault accident and the applicant has had 2 or more minor convictions within the preceding 3 years. Ontario A 15 Elite Insurance Company Oct. 1 / Nov. 1, 2014

110 MOTOR HOMES GENERAL RULES SECTION REASONS FOR DECLINATION For Personal Vehicles Motor Homes (owned and rented) and their trailers Section A (Cont d) 6. Driver 6.1. All operators do not hold a valid Ontario license including a license status of suspended or unrenewable Any listed operator has been driving in Canada under an International Permit for more than 3 months. 7. Vehicle 7.1. The automobile does not presently carry the compulsory driving coverage, and has not carried compulsory driving coverage for a period exceeding 12 months Any automobile operated outside the province of Ontario for more than 6 consecutive months Any automobile that fails a Government approved Mechanical Safety inspection Automobiles designed to be one of a kind or one for which parts are no longer available or manufactured in Canada Any automobile used for a purpose other than that for which it has been designed Any automobile that is rented or leased to others Any automobile that is a short term (less than 1 year) rental or lease Any automobile not registered in Ontario Any automobile that has been branded Irreparable or Salvage Any automobile with a Vehicle Identification Number (VIN) that cannot be validated Any automobile considered a total loss by the claims department, unless it has been repaired and has been re-registered with the Ministry of Transportation as a rebuilt vehicle. Clear photos of all 4 sides of the vehicle must be provided Any automobile where a cash settlement has been taken in lieu of repairs or damages unless a Government approved Mechanical Safety Certificate is provided along with clear photos of all 4 sides of the vehicle Any automobile used for pickup and delivery of contents for direct or indirect reward. This will not include sales person s samples. Ontario A 16 Elite Insurance Company Oct. 1 / Nov. 1, 2014

111 MOTOR HOMES GENERAL RULES SECTION REASONS FOR DECLINATION For Personal Vehicles Motor Homes (owned and rented) and their trailers Section A (Cont d) Any automobile carrying hazardous goods as defined by the Transport of Dangerous Goods Act Any automobile used in connection with law enforcement Any automobile used on any racetrack or for racing, speeding, timing or rallying Any automobile used for public transportation excluding car-pooling arrangements Any automobile used for commercial purposes Any automobile operated on an airport apron or runway Any automobile permanently garaged at a location outside of Ontario Automobiles requiring special permits for operation on any provincial or municipal roadway Any automobile that has been modified, reconstructed, restored or altered in any way other than standard upgrades made by the recognized manufacturer of the vehicle. This would include material alterations by addition, deletion or substitution, including all performance-influencing modifications that would enhance performance or use. For the purpose of this rule, a painting or mural is not considered a modification or alteration Any automobile that is a reproduction or kit vehicle Any right hand drive automobile A van, or pickup that has been customized to accommodate cooking and/or sleeping facilities Any motor home that is not customized to accommodate cooking, toilet and sleeping facilities Any motor home 20+ years without a certificate of mechanical fitness and/or propane inspection certificate Any motor home that is a converted bus for which we do not receive an appraisal including current photographs Any motor home with an operator appropriately licenced less than 8 years in Canada or USA Any motor home not powered by gasoline, diesel or propane fuel. Ontario A 17 Elite Insurance Company Oct. 1 / Nov. 1, 2014

112 MOTOR HOMES GENERAL RULES SECTION REASONS FOR DECLINATION Section B The Insurer s rules for limiting liability or deductible levels are: The maximum limit offered for coverage under Liability Bodily Injury, Liability-Property Damage and OPCF 44 is $2,000,000. The only deductible offered for All Perils coverage is $ We will decline to write loss or damage coverage in the following cases: RULES RISK CHARACTERISTICS SP COMP AP COLL OPCF 20, 27, 43, 43a B1 B2 B3 B4 B5 B6 B7 B8 Signed copy of OPCF 19 is required and is not provided. Automobiles 15 to 20 years and no certificate of mechanical fitness is received. (If 2 photos of the automobile and a valuation from a reputable dealer/manufacturer are submitted and acceptable, then physical damage coverage will be allowed if a signed OCPF 19 is provided for the vehicle). Automobile has un-repaired damage from a prior accident. Failure to comply with safety certificate requirement within 30 days of the request. Conditions revealed by the completed inspection that affect the risk. 4 or more occurrences paid or payable under Section 7 of the policy in the past 3 years, per automobile. NOTE: If 2 of these occurrences are at-fault accidents, see Rule 3.1 above. If 3 of these occurrences are Comprehensive, see Rule #B8 below.. Signed copy of OPCF 13C or 40 is required and is not provided. 3 or more Specified Perils or Comprehensive claims per automobile in preceding 3 years. Note: if 3 or more glass claims in preceding 3 years, an OPCF 13C is required. X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X X B9 Risk has no loss or damage coverage. X NOTE: A glass claim is defined as a claim for damage to automobile glass, but this does not include glass damage resulting from a Specified Peril. Ontario A 18 Elite Insurance Company Oct. 1 / Nov. 1, 2014

113 MOTOR HOMES GENERAL RULES SECTION OPCF s ONTARIO POLICY CHANGE FORMS OPCF 5 - Permission to Rent or Lease Automobiles and Extending Coverage to Specified Lessee(s) For use with an OAP 1 policy where the applicant for insurance is leasing the vehicle from another. Rating: No charge - the policy is rated based on manual rules and rates as they apply to the lessee. OPCF 13C - Restricting Glass Coverage For use with an OAP 1 policy to restrict the Comprehensive coverage purchased for loss of, or damage to, the glass of the automobile. Coverage under the "Comprehensive", section applies 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 falling 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. This endorsement requires the Insured's signature. Rating: All Perils premium less 10%. OPCF 19 - Limitation of Amount For use with an OAP 1 policy. This endorsement is added to all policies with All Perils coverage. The standard policy insures up to the actual cash value of an automobile. This policy change form is used to limit coverage where the Insurer wishes to provide cover only up to a specific amount, as in the case of antique or special type automobiles. An appraisal or evaluation may be required, and the automobile is rated according to the amount stated in the policy change form. This change form does NOT provide a guaranteed amount to the Insured, but either the actual cash value at the time of loss or damage, or the amount stated in the policy change form, whichever is the lesser. This endorsement requires Insured's signature. Rating: No charge Ontario A 19 Elite Insurance Company June 1 / August 1, 2013

114 MOTOR HOMES GENERAL RULES SECTION OPCF 23A - Lienholder Protection For use with an OAP 1 policy to protect the Lienholder's interest in the automobile. It provides for joint payment to the Insured and the lienholder if the vehicle is not repaired or lost or damaged parts are not replaced in the event of a loss under Loss or Damage Coverages (Optional). It also provides for 15 days written notice to the lienholder in the event of cancellation of any subsection under Loss or Damage Coverages (Optional). Rating: No charge. OPCF 28A - Excluded Driver For use with an OAP 1 policy. This policy change form eliminates some coverages under the policy if the described automobile, a temporary substitute automobile, or a newly acquired automobile are driven by the driver named as the excluded driver. Coverages eliminated are: All coverages under Liability and Direct Compensation- Property Damage. Income replacement coverage under Accident Benefits (for the excluded driver). Uninsured Automobile Coverage. Damage to the described automobile under Loss or Damage Coverages (Optional) where the excluded driver is liable for the damage. NOTE: Rating: This change form should not be used without the prior approval of the Company. A signed copy must be obtained prior to deletion of coverage. Premium should be established on the basis of the driving record of listed drivers, removing any premium adjustment that would have been required due to the driving record of the Excluded Driver. This endorsement requires the signature of the insured and the excluded driver. OPCF 40 - Fire Deductible For use on an OAP 1 policy. Under the terms of the policy the deductible does not apply if the cause of loss under Section 7: Loss or Damage coverages (Optional) is fire. This policy change form is used when the insurer wishes the deductible under Specified Perils, Comprehensive or All Perils to apply to such losses. This endorsement requires the insured s signature. Rating: No reduction in premium. OPCF 44R - Family Protection For use with an OAP 1 policy. This policy change form provides additional benefits to an insured person for an amount that they would be legally entitled to recover from another motorist except for the fact that such other motorist is inadequately insured. The limit of coverage for all Insured persons is the difference between the limits available to the other motorist and the limits of the Insured's policy. Rating: $1,000,000 Limit $2,000,000 Limit $3,000,000 Limit $4,000,000 Limit $5,000,000 Limit $10.00 $11.00 $11.00 $12.00 $12.00 Ontario A 20 Elite Insurance Company January 1, 2011

115 MOTOR HOMES GENERAL RULES SECTION OPCF 46 - Pre-determined Income from Self-Employment Agreement This change form pre-determines a self-employed insured s gross weekly income for Income Replacement Benefits coverage under Accident Benefits. We require the change form signed by all insured persons under this change form. The insured(s) must submit their last 3 years filed income tax returns. This change form does not provide any excess coverage over the Basic Accident Benefits. OPCF 47 - Agreement Not To Rely on SABS Priority of Payments Rules This endorsement is available for persons who are entitled to receive optional statutory accident benefits under this policy but, by the priority of payment rules, are required to claim under another policy that does not provide them with the optional statutory accident benefits that have been purchased under this policy. This endorsement allows these persons to claim Statutory Accident Benefits (SABS) under this policy including the optional statutory accident benefits provided by this policy, provided they do not make a claim for SABS under another policy. This endorsement will be provided to every policyholder who purchases Optional Increased Accident Benefits. Rating: No charge. OPCF 48 Added Coverage to Offset Tort Deductibles This endorsement provides an option to reduce the standard tort deductible for pain and suffering awards from $30,000 to $20,000 and from $15,000 to $10,000 for Family Law Act awards. Rating: $10 per vehicle. NPCF 64 REDUCTION OF COMPREHENSIVE DEDUCTIBLE FOR A MOTOR HOME This change form reduces the Comprehensive portion of the All Perils coverage deductible from $300 to $100 on the motor home(s) to which it is applied. Rating: $50. NPCF 65 COVERAGE FOR EMERGENCY VACATION EXPENSE FOR A MOTOR HOME This additional coverage is included on all Motor Home policies. Coverage is provided for emergency expenses if the Motor Home becomes uninhabitable when used during vacation. This endorsement is to apply only in excess of any other valid collectible insurance coverage. Rating: $2,000 - No charge $3,000 - $30 $4,000 -$40 $5,000 - $50 NPCF 66 COVERAGE FOR PERSONAL EFFECTS OF A MOTOR HOME This additional coverage is included on all Motor Home policies. Coverage is provided up to $5,000 for loss or damage to personal contents located within the Motor Home. Rating: No charge Ontario A 21 Elite Insurance Company June. 1 / August 1, 2013

116 MOTOR HOMES GENERAL RULES SECTION NPCF 67 REPLACEMENT COST OF A MOTOR HOME This change form waives depreciation, except to tires, batteries and betterment resulting from the necessary repair or replacement of parts having prior unrepaired damage, if the Insured is the original Owner of the Motor Home and the loss or damage occurs within 60 months of the original delivery date. This coverage is only available for new Motor Homes. Rating: No charge NPCF 68 DRIVING RECORD PROTECTOR FOR A MOTOR HOME This is an optional enhancement, which allows the insured to maintain his/her rating after one at-fault accident providing: 1. There are no criminal code or surchargeable convictions associated with the loss 2. There have been no policy violations associated with the loss 3. The risk has been claims free for a minimum of 3 years The endorsement is removed after the first at-fault loss and cannot be purchased again until the risk is 3 years claims-free. Rating: $25 NPCF ERS AVIVA ELITE ERS PLUS EMERGENCY ROAD SERVICE FOR A MOTOR HOME ERS is a comprehensive emergency roadside and driver assistance program for use with Motor Homes only. Features and benefits include; Towing Flat tire service Battery boost Fuel delivery Lockout service Extrication/winch The use of this coverage is not considered a claim for rating or underwriting. Rating: $85. Ontario A 22 Elite Insurance Company January 1, 2011

117 MOTOR HOMES GENERAL RULES SECTION NPCF DDM - Disappearing Deductible for Motor Homes This policy change form rewards a claim free status under Section 7 Loss or Damage Coverages (Optional) by allowing a reduced deductible of 20% per year, of the original deductible amount, for each consecutive claim free year. A maximum zero deductible applies if there have been no losses assigned within the preceding 5 consecutive years. When a claim is assigned under All Perils, Collision, Comprehensive or Specified Perils, all deductibles will revert to the original deductible amount at the next renewal. Available to new business and renewal business, the level of deductible will be determined by the number of consecutive claim free years under All Perils, Collision, Comprehensive or Specified Perils whether previously insured through a Company in the Aviva Group or not. The motor home(s) must carry $500 deductible All Perils or $300 All Perils deductible. The premiums for Section 7: Loss or Damage Coverages (Optional) will be based on the original deductible amounts. Rating: $0 Ontario A 23 Elite Insurance Company June 1 / August 1, 2013

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119 MOTOR HOMES - GUIDELINES NCPF 67 - REPLACEMENT COST OF A MOTOR HOME Motor Home must be 5 years old or newer Bill of Sale is mandatory Applicant must be the original owner The motor home must be insured to full value including all taxes COVERAGES INCLUDED Third Party Liability $2,000,000 OPCF 44R Family Protection Endorsement $2,000,000 OPCF 19 - Limitation of Amount Endorsement All Perils Deductible $300 NPCF 66 Coverage for Personal Effects of a Motor Home Endorsement $5,000 NPCF 65 Coverage for Emergency Vacation Expense for a Motor Home Endorsement $2,000 NPCF DDM Disappearing Deductible for Motor Homes OPTIONAL COVERAGES NPCF 64 Reduction of Comprehensive Deductible for a Motor Home to $100 (additional cost of $50 per year) NPCF 68 Driving Record Protector for a Motor Home (additional cost of $25 per year) NPCF ERS - Aviva Elite ERS Plus Emergency Road Service for a Motor Home (additional cost $85 per year ISSUING Brokers have binding authority up to $400,000 OAP 1 Ontario Auto Application REFERRALS Motor Homes registered in the name of a corporation but used for recreational purposes More than 1 At Fault claim in the past 3 years Any operator with more than two minor convictions in past 3 years Motor Homes 20 years and older-must have a Safety Certificate (current within the past 30 days) and Propane inspection completed Conversion units including bus conversions (School Bus conversions are not eligible) Motor Homes valued over $400,000. BUSINESS NOT WRITTEN Drivers licensed less than 8 years in Canada Motor Homes rented or leased to others Motor Homes used for commercial or business purposes School bus conversions Ontario Motor Homes B 1 Elite Insurance Company June 1 / August 1, 2013

120 MOTOR HOMES - GUIDELINES Class A Motor Home Class B Motor Home Class C Motor Home Prior to Binding Refer to Company: Values over $400,000 Units over 20 years old Ontario Motor Homes B 2 Elite Insurance Company May 17 / July 17, 2007

121 MOTOR HOMES - GUIDELINES RATING GUIDELINES COVERAGE - Class A, B & C $1M Limit $2M Limit $3M Limit $4M Limit $5M Limit Bodily Injury $80 $86 $92 $96 $100 Property Damage $11 $12 $13 $13 $14 Accident Benefits $35 $35 $35 $35 $35 Uninsured Automobile $4 $4 $4 $4 $4 DCPD - Standard DCPD deductible is $0 $142 $142 $142 $142 $142 OPCF 44R - Family Protection Endorsement $10 $11 $11 $12 $12 SUBTOTAL FOR MANDATORY COVERAGES $282 $290 $297 $302 $307 (Do not add the above amount to the rates on page 3.5- Premiums include this amount) ALL PERILS $300 DEDUCTIBLE 1.10% 1.10% 1.10% 1.10% 1.10% Multiply 1.10% by Value of Unit + Mandatory above * Minimum value $20,000 $220 $220 $220 $220 $220 (e.g. $20,000 x 1.10% = $220 + Mandatory) Minimum Policy Premium $502 $510 $517 $522 $527 Endorsements OPCF 19 - Limitation of Amount Included Included Included Included Included NPCF 64 Reduction of Comprehensive Deductible for a Motor Home Deductible from $300 to $100 NPCF 65 Coverage for Emergency Vacation Expense for a Motor Home - $2000 NPCF 66 Coverage for Personal Effects of a Motor Home - $5000 NPCF 67 - Replacement Cost of a Motor Home Original Owner & Motor Home is 5 years old or newer NPCF 68 Driving Record Protector for a Motor Home Will protect the insured s driving Record after the first at-fault loss $50 $50 $50 $50 $50 Included Included Included Included Included Included Included Included Included Included Included Included Included Included Included $25 $25 $25 $25 $25 NPCF ERS AVIVA Elite ERS Plus Emergency Road Service for a Motor Home $85 $85 $85 $85 $85 This optional coverage provides your customer with roadside assistance should their motor home suffer a mechanical breakdown. Some coverage highlights are: Mechanical Breakdown Towing Battery boosts Lockout Service Flat Tire Service Emergency Winching Trip Travel Planning Fuel Delivery Service NPCF DDM Disappearing Deductible for Motor Homes Included Included Included Included Included See our wording for more details. Higher All Perils Deductibles Deductible Factor (Multiply All Perils Premium by the Factor) $ $1, $1, $2, $5, Ontario Motor Homes B 3 Elite Insurance Company June 1 / August 1, 2013

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123 MOTOR HOMES DISCOUNTS/SURCHARGES SECTION Monitored Satellite Tracking Discount A discount is applied to Owned and Rented Motor Homes equipped with a monitored satellite tracking system subject to the following conditions: must be professionally installed must have written proof of installation must maintain servicing agreement The discount will be applied as follows: Owned Motor Homes All Perils... 10% Rented Motor Homes All Perils... 10% Rented Motor Homes Comprehensive... 20% Anti-Theft Discount A discount is applied to Owned and Rented Motor Homes equipped with an anti-theft device subject to the following conditions: must be professionally installed must be wired to ignition must have written proof of installation The discount will be applied as follows: Owned Motor Homes All Perils... 10% Rented Motor Homes All Perils... 10% Rented Motor Homes Comprehensive... 20% KOA Discount Holders of a KOA Value Card... 5% This discount applies to Owned Motor Homes and their trailers premium and is applicable to Liability, Direct Compensation-Property Damage, Accident Benefits, Uninsured Automobiles and All Perils coverages. Group Discount Members of Wayfarer Club... 10% This discount applies to Owned Motor Homes and their trailers premium and is applicable to Liability, Direct Compensation-Property Damage, Accident Benefits, Uninsured Automobiles and All Perils coverages. MOTOR HOME AND CAR/HOME DISCOUNT Named Insured A 10% discount will apply to all automobiles on the policy. The discount will apply to Liability, Accident Benefits, Uninsured Automobile, Direct Compensation Property Damage and All Perils subject to the following conditions: Both the Motor Home and Primary Automobile and/or Primary Residence must be insured with a company within the Aviva family of companies, and through the same insurance intermediary, for the same individual, or spouse and; The Named Insureds must be residing at the same address. Ontario Motor Homes C 1 Elite Insurance Company June 1 / August 1, 2013

124 MOTOR HOMES DISCOUNTS/SURCHARGES SECTION PREMIUM SURCHARGE SCHEDULE Applicable to Owned Motor homes only (1) Rules (a) Accident and Conviction Surcharge criteria apply to all operators; (b) "Accident" is as defined in this Manual; (c) Accident and Conviction Surcharges apply to Premiums for the Liability, Accident Benefits (Including Uninsured Automobile), Direct Compensation-Property Damage, All Perils and Collision Coverages; (d) If more than one Surcharge applies, the Surcharges are cumulative; (e) The exposure period is 36 months prior to date of application or renewal; (e) If the Insured has a Driving Record better than DR3, and a surcharge becomes applicable due to convictions, the Driving Record automatically drops to no more than DR3. (2) Accident Surcharges 2 Accidents in 36 months 20% Each Additional Accident 10% (3) Conviction Surcharges NOTES: For each insured vehicle, the conviction record of all persons who are regular or frequent drivers, are reviewed to establish which of the conviction records develops the highest surcharge percentage in accordance with the Schedule hereunder, and that record is used to calculate the additional charges. 1. A conviction record will not be used more than once when determining the additional charges in respect of vehicles insured by Elite whether or not on the same policy. 2. When two or more vehicles are insured and; i) there are two or more drivers, each driver shall be allocated to the vehicle which he drives most and his conviction record shall be considered in relation only to that vehicle. ii) there is only one driver, the driver's conviction record shall be applied to whichever vehicle produces the highest combined premium in respect of Liability, Accident Benefits (Including Uninsured Automobile), Direct Compensation-Property Damage, All Perils and Collision. If the driver s conviction record warrants a surcharge, the remaining vehicle cannot be rated 4 star, 5 star or 6 star. 3. If a license is suspended due to a Criminal Code Conviction, the surcharge applies for 36 months following the date the license is reinstated. Ontario Motor Homes C 2 Elite Insurance Company May 17 / July 17, 2007

125 MOTOR HOMES DISCOUNTS/SURCHARGES SECTION CONVICTIONS As per Rule 30B of the Facility Association Servicing Carrier Manual CONVICTIONS As per Rule 25 of the Facility Association Servicing Carrier Manual For the purpose of applying the rating rules, driving convictions are categorized as follows: SERIOUS/CRIMINAL CODE First conviction - 50% surcharge; each subsequent conviction 100% 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. Speeding 50 Kph or more over the speed limit Driving without insurance Operator motor vehicle no insurance CAIA Criminal negligence committed in the operation or use of a motor vehicle Manslaughter committed in the operation or use of a motor vehicle Driving while licence under suspension Racing Careless driving Driving without due care and attention Driving without an interlock device where its installation is a requirement for licence reinstatement Dangerous driving Impaired driving Failure or refusal to submit to a breath or blood test Failure to stop/remain at the scene of an accident Failure to pass a breath or blood test Class G1/G2/M1M2 fail/refuse breath sample Class G1/G2/M1M2 drive with alcohol in blood NOTE: If convictions for impaired driving and failure or refusal to take a breath or blood test relate to the same occurrence, they will be considered one conviction. Ontario C 3 Elite Insurance Company September 1, 2010

126 MOTOR HOMES DISCOUNTS/SURCHARGES SECTION PREMIUM SURCHARGE SCHEDULE (Cont d) MAJOR 15% surcharge for each conviction 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 committed within or outside Canada. Failing to report damage to highway property Failure to stop on request of or obey directions of a police officer Failing to report an accident Failing, in the event of an accident, to give name and licence number to the policy 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 Stunting Produce false evidence CAIA False statement re insurance MVACA Produced false insurance MCACA Make false statement CAIA Ontario Graduated Licence Permit novice drive in contravention of conditions and/or restrictions 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 MINOR 4 convictions 25% surcharge each subsequent conviction 15% Convictions for any moving traffic offences, (offences related to the operation of a vehicle), other than those specifically listed under the heading Serious or Major, under any Act governing highway traffic or Compulsory Automobile Insurance Act (CAIA) or for any offence substantially the same committed outside Canada including, but not limited to: 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 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 Ontario C 4 Elite Insurance Company September 1, 2010

127 MOTOR HOMES DISCOUNTS/SURCHARGES SECTION Driving imprudently Driving off roadway (including shoulder/sidewalk/medium) 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 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 Signaling offences any type Slow driving endangering others other type Smokescreen device on vehicle Speeding any type, except when listed as major or serious Squealing tires Stopping illegal/improper any type Tires defective/worn any type Towing prohibited/unsafe any type Traffic signals/regulating light 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 Unsafe vehicle any type Wrong side of road/wrong way any type Yield, failing to any type including failing to yield to a public bus NOTE: This is a generic list and will not, in all cases, match the exact wording printed on the Driver Record Abstract. Ontario C 5 Elite Insurance Company September 1, 2010

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129 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $0 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 20,000 22,000 24,000 26,000 28,000 30,000 32,000 34,000 36,000 38,000 40,000 42,000 44,000 46,000 48,000 50,000 52,000 54,000 56,000 58,000 60,000 62,000 64,000 66,000 68,000 70,000 75,000 80,000 85,000 90,000 95, , , , , , , , , , , , , , , , , , , , , , ,008 1,030 1,052 1,107 1,162 1,217 1,272 1,327 1,382 1,437 1,492 1,547 1,602 1,657 1,712 1,767 1,822 1,877 1,932 1,987 2,042 2,097 2,152 2,207 2,262 2,317 2,372 2,427 2, ,016 1,038 1,060 1,115 1,170 1,225 1,280 1,335 1,390 1,445 1,500 1,555 1,610 1,665 1,720 1,775 1,830 1,885 1,940 1,995 2,050 2,105 2,160 2,215 2,270 2,325 2,380 2,435 2, ,001 1,023 1,045 1,067 1,122 1,177 1,232 1,287 1,342 1,397 1,452 1,507 1,562 1,617 1,672 1,727 1,782 1,837 1,892 1,947 2,002 2,057 2,112 2,167 2,222 2,277 2,332 2,387 2,442 2, ,006 1,028 1,050 1,072 1,127 1,182 1,237 1,292 1,347 1,402 1,457 1,512 1,567 1,622 1,677 1,732 1,787 1,842 1,897 1,952 2,007 2,062 2,117 2,172 2,227 2,282 2,337 2,392 2,447 2, ,011 1,033 1,055 1,077 1,132 1,187 1,242 1,297 1,352 1,407 1,462 1,517 1,572 1,627 1,682 1,737 1,792 1,847 1,902 1,957 2,012 2,067 2,122 2,177 2,232 2,287 2,342 2,397 2,452 2,507 Ontario - Motorhomes Elite Insurance Company D 1 September 1, 2010

130 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $0 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 205, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 2,537 2,592 2,647 2,702 2,757 2,812 2,867 2,922 2,977 3,032 3,087 3,142 3,197 3,252 3,307 3,362 3,417 3,472 3,527 3,582 3,637 3,692 3,747 3,802 3,857 3,912 3,967 4,022 4,077 4,132 4,187 4,242 4,297 4,352 4,407 4,462 4,517 4,572 4,627 4,682 2,545 2,600 2,655 2,710 2,765 2,820 2,875 2,930 2,985 3,040 3,095 3,150 3,205 3,260 3,315 3,370 3,425 3,480 3,535 3,590 3,645 3,700 3,755 3,810 3,865 3,920 3,975 4,030 4,085 4,140 4,195 4,250 4,305 4,360 4,415 4,470 4,525 4,580 4,635 4,690 2,552 2,607 2,662 2,717 2,772 2,827 2,882 2,937 2,992 3,047 3,102 3,157 3,212 3,267 3,322 3,377 3,432 3,487 3,542 3,597 3,652 3,707 3,762 3,817 3,872 3,927 3,982 4,037 4,092 4,147 4,202 4,257 4,312 4,367 4,422 4,477 4,532 4,587 4,642 4,697 2,557 2,612 2,667 2,722 2,777 2,832 2,887 2,942 2,997 3,052 3,107 3,162 3,217 3,272 3,327 3,382 3,437 3,492 3,547 3,602 3,657 3,712 3,767 3,822 3,877 3,932 3,987 4,042 4,097 4,152 4,207 4,262 4,317 4,372 4,427 4,482 4,537 4,592 4,647 4,702 2,562 2,617 2,672 2,727 2,782 2,837 2,892 2,947 3,002 3,057 3,112 3,167 3,222 3,277 3,332 3,387 3,442 3,497 3,552 3,607 3,662 3,717 3,772 3,827 3,882 3,937 3,992 4,047 4,102 4,157 4,212 4,267 4,322 4,377 4,432 4,487 4,542 4,597 4,652 4,707 Ontario - Motorhomes Elite Insurance Company D 2 September 1, 2010

131 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $300 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 20,000 22,000 24,000 26,000 28,000 30,000 32,000 34,000 36,000 38,000 40,000 42,000 44,000 46,000 48,000 50,000 52,000 54,000 56,000 58,000 60,000 62,000 64,000 66,000 68,000 70,000 75,000 80,000 85,000 90,000 95, , , , , , , , , , , , , , , , , , , , , , ,009 1,031 1,086 1,141 1,196 1,251 1,306 1,361 1,416 1,471 1,526 1,581 1,636 1,691 1,746 1,801 1,856 1,911 1,966 2,021 2,076 2,131 2,186 2,241 2,296 2,351 2,406 2, ,017 1,039 1,094 1,149 1,204 1,259 1,314 1,369 1,424 1,479 1,534 1,589 1,644 1,699 1,754 1,809 1,864 1,919 1,974 2,029 2,084 2,139 2,194 2,249 2,304 2,359 2,414 2, ,002 1,024 1,046 1,101 1,156 1,211 1,266 1,321 1,376 1,431 1,486 1,541 1,596 1,651 1,706 1,761 1,816 1,871 1,926 1,981 2,036 2,091 2,146 2,201 2,256 2,311 2,366 2,421 2, ,007 1,029 1,051 1,106 1,161 1,216 1,271 1,326 1,381 1,436 1,491 1,546 1,601 1,656 1,711 1,766 1,821 1,876 1,931 1,986 2,041 2,096 2,151 2,206 2,261 2,316 2,371 2,426 2, ,012 1,034 1,056 1,111 1,166 1,221 1,276 1,331 1,386 1,441 1,496 1,551 1,606 1,661 1,716 1,771 1,826 1,881 1,936 1,991 2,046 2,101 2,156 2,211 2,266 2,321 2,376 2,431 2,486 Ontario - Motorhomes Elite Insurance Company D 3 September 1, 2010

132 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $300 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 205, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 2,516 2,571 2,626 2,681 2,736 2,791 2,846 2,901 2,956 3,011 3,066 3,121 3,176 3,231 3,286 3,341 3,396 3,451 3,506 3,561 3,616 3,671 3,726 3,781 3,836 3,891 3,946 4,001 4,056 4,111 4,166 4,221 4,276 4,331 4,386 4,441 4,496 4,551 4,606 4,661 2,524 2,579 2,634 2,689 2,744 2,799 2,854 2,909 2,964 3,019 3,074 3,129 3,184 3,239 3,294 3,349 3,404 3,459 3,514 3,569 3,624 3,679 3,734 3,789 3,844 3,899 3,954 4,009 4,064 4,119 4,174 4,229 4,284 4,339 4,394 4,449 4,504 4,559 4,614 4,669 2,531 2,586 2,641 2,696 2,751 2,806 2,861 2,916 2,971 3,026 3,081 3,136 3,191 3,246 3,301 3,356 3,411 3,466 3,521 3,576 3,631 3,686 3,741 3,796 3,851 3,906 3,961 4,016 4,071 4,126 4,181 4,236 4,291 4,346 4,401 4,456 4,511 4,566 4,621 4,676 2,536 2,591 2,646 2,701 2,756 2,811 2,866 2,921 2,976 3,031 3,086 3,141 3,196 3,251 3,306 3,361 3,416 3,471 3,526 3,581 3,636 3,691 3,746 3,801 3,856 3,911 3,966 4,021 4,076 4,131 4,186 4,241 4,296 4,351 4,406 4,461 4,516 4,571 4,626 4,681 2,541 2,596 2,651 2,706 2,761 2,816 2,871 2,926 2,981 3,036 3,091 3,146 3,201 3,256 3,311 3,366 3,421 3,476 3,531 3,586 3,641 3,696 3,751 3,806 3,861 3,916 3,971 4,026 4,081 4,136 4,191 4,246 4,301 4,356 4,411 4,466 4,521 4,576 4,631 4,686 Ontario - Motorhomes Elite Insurance Company D 4 September 1, 2010

133 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $500 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 20,000 22,000 24,000 26,000 28,000 30,000 32,000 34,000 36,000 38,000 40,000 42,000 44,000 46,000 48,000 50,000 52,000 54,000 56,000 58,000 60,000 62,000 64,000 66,000 68,000 70,000 75,000 80,000 85,000 90,000 95, , , , , , , , , , , , , , , , , , , , , , ,019 1,074 1,129 1,184 1,239 1,294 1,349 1,404 1,459 1,514 1,569 1,624 1,679 1,734 1,789 1,844 1,899 1,954 2,009 2,064 2,119 2,174 2,229 2,284 2,339 2,394 2, ,005 1,027 1,082 1,137 1,192 1,247 1,302 1,357 1,412 1,467 1,522 1,577 1,632 1,687 1,742 1,797 1,852 1,907 1,962 2,017 2,072 2,127 2,182 2,237 2,292 2,347 2,402 2, ,012 1,034 1,089 1,144 1,199 1,254 1,309 1,364 1,419 1,474 1,529 1,584 1,639 1,694 1,749 1,804 1,859 1,914 1,969 2,024 2,079 2,134 2,189 2,244 2,299 2,354 2,409 2, ,017 1,039 1,094 1,149 1,204 1,259 1,314 1,369 1,424 1,479 1,534 1,589 1,644 1,699 1,754 1,809 1,864 1,919 1,974 2,029 2,084 2,139 2,194 2,249 2,304 2,359 2,414 2, ,000 1,022 1,044 1,099 1,154 1,209 1,264 1,319 1,374 1,429 1,484 1,539 1,594 1,649 1,704 1,759 1,814 1,869 1,924 1,979 2,034 2,089 2,144 2,199 2,254 2,309 2,364 2,419 2,474 Ontario - Motorhomes Elite Insurance Company D 5 September 1, 2010

134 Rates below include the mandatory coverage premium. (see previous page for breakdown of these coverages) Owned Motor Homes - Ontario Package Premium Quick Reference Rate Table Coverages Included: Liability Limit As Listed Accident Benefits Uninsured Automobile $300 Deductible All Perils $500 Deductible DCPD OPCF 44R Family Protection Endorsement For higher All Perils, DCPD Deductibles, please refer to company. Class A, B & C Motor Home Value $1,000,000 Liability Package Premium $2,000,000 Liability Package Premium $3,000,000 Liability Package Premium $4,000,000 Liability Package Premium $5,000,000 Liability Package Premium 205, , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , ,000 2,504 2,559 2,614 2,669 2,724 2,779 2,834 2,889 2,944 2,999 3,054 3,109 3,164 3,219 3,274 3,329 3,384 3,439 3,494 3,549 3,604 3,659 3,714 3,769 3,824 3,879 3,934 3,989 4,044 4,099 4,154 4,209 4,264 4,319 4,374 4,429 4,484 4,539 4,594 4,649 2,512 2,567 2,622 2,677 2,732 2,787 2,842 2,897 2,952 3,007 3,062 3,117 3,172 3,227 3,282 3,337 3,392 3,447 3,502 3,557 3,612 3,667 3,722 3,777 3,832 3,887 3,942 3,997 4,052 4,107 4,162 4,217 4,272 4,327 4,382 4,437 4,492 4,547 4,602 4,657 2,519 2,574 2,629 2,684 2,739 2,794 2,849 2,904 2,959 3,014 3,069 3,124 3,179 3,234 3,289 3,344 3,399 3,454 3,509 3,564 3,619 3,674 3,729 3,784 3,839 3,894 3,949 4,004 4,059 4,114 4,169 4,224 4,279 4,334 4,389 4,444 4,499 4,554 4,609 4,664 2,524 2,579 2,634 2,689 2,744 2,799 2,854 2,909 2,964 3,019 3,074 3,129 3,184 3,239 3,294 3,349 3,404 3,459 3,514 3,569 3,624 3,679 3,734 3,789 3,844 3,899 3,954 4,009 4,064 4,119 4,174 4,229 4,284 4,339 4,394 4,449 4,504 4,559 4,614 4,669 2,529 2,584 2,639 2,694 2,749 2,804 2,859 2,914 2,969 3,024 3,079 3,134 3,189 3,244 3,299 3,354 3,409 3,464 3,519 3,574 3,629 3,684 3,739 3,794 3,849 3,904 3,959 4,014 4,069 4,124 4,179 4,234 4,289 4,344 4,399 4,454 4,509 4,564 4,619 4,674 Ontario - Motorhomes Elite Insurance Company D 6 September 1, 2010

135 ELITE INSURANCE COMPANY RENTED MOTORHOMES Limit BODILY INJURY $1,000, $2,000, ACCIDENT BENEFITS: 171 UNINSURED AUTOMOBILE 10 OPCF 44R FAMILY PROTECTION ENDORSEMENT 25 OPTIONAL INCREASED ACCIDENT BENEFITS Refer to General Rules section for explanation and rates. Ontario - Motorhomes Elite Insurance Company D 7 September 1, 2010(R)

136 ELITE INSURANCE COMPANY RENTED MOTORHOMES PROPERTY DAMAGE / PHYSICAL DAMAGE: PD DC ALP List Price New $0 $500 $1,000 $1,500 $2,000 Up to 20, ,001 21, ,001 22, ,001 23, ,001 24, ,001 25, ,001 26, ,001 27, ,001 28, ,001 29, ,001 30, ,001 31, ,001 32, ,001 33, ,001 34, ,001 35, ,001 36, ,001 37, ,001 38, ,001 39, ,001 40, ,001 41, ,001 42, ,001 43, ,001 44, ,001 45, ,001 46, ,001 47, ,001 48, ,001 49, ,001 50, ,001 51, ,001 52, ,001 53, ,001 54, ,001 55, ,001 56, ,001 57, ,001 58, ,001 59, ,001 60, ,001 61, ,001 62, ,001 63, Ontario - Motorhomes Elite Insurance Company D 8 September 1, 2010(R)

137 PD DC ALP List Price New $0 $500 $1,000 $1,500 $2,000 63,001 64, ,001 65, ,001 66, ,001 67, ,001 68, ,001 69, ,001 70, ,001 71, ,001 72, ,001 73, ,001 74, ,001 75, ,001 76, ,001 77, ,001 78, ,001 79, ,001 80, ,001 81, ,001 82, ,001 83, ,001 84, ,001 85, ,001 86, ,001 87, ,001 88, ,001 89, ,001 90, ,001 91, ,001 92, ,001 93, ,001 94, ,001 95, ,001 96, ,001 97, ,001 98, ,001 99, , , , , , , , , , , , , , , , , , , , , , , ,000 and up Refer to company I For higher Property Damage - Direct Compensation deductibles, please refer to company. Ontario - Motorhomes Elite Insurance Company D 9 January 1, 1998

138 COLL COMP List Price New $300 $1,000 $300 $500 Up to 20, ,001 21, ,001 22, ,001 23, ,001 24, ,001 25, ,001 26, ,001 27, ,001 28, ,001 29, ,001 30, ,001 31, ,001 32, ,001 33, ,001 34, ,001 35, ,001 36, ,001 37, ,001 38, ,001 39, ,001 40, ,001 41, ,001 42, ,001 43, ,001 44, ,001 45, ,001 46, ,001 47, ,001 48, ,001 49, ,001 50, ,001 51, ,001 52, ,001 53, ,001 54, ,001 55, ,001 56, ,001 57, ,001 58, ,001 59, ,001 60, ,001 61, ,001 62, ,001 63, ,001 64, ,001 65, ,001 66, ,001 67, ,001 68, ,001 69, ,001 70, ,001 71, Ontario - Rented Motorhomes Elite Insurance Company D 10 Sep 1 / Sep 1, 2010

139 COLL COMP List Price New $300 $1,000 $300 $500 71,001 72, ,001 73, ,001 74, ,001 75, ,001 76, ,001 77, ,001 78, ,001 79, ,001 80, ,001 81, ,001 82, ,001 83, ,001 84, ,001 85, ,001 86, ,001 87, ,001 88, ,001 89, ,001 90, ,001 91, ,001 92, ,001 93, ,001 94, ,001 95, ,001 96, ,001 97, ,001 98, ,001 99, , , , , , , , , , , , , , , , , , , , , , , ,000 and up Refer to company Ontario - Rented Motorhomes Elite Insurance Company D 11 Sep 1 / Sep 1, 2010

140 ELITE INSURANCE COMPANY TRAILERS FOR OWNED AND RENTED MOTORHOMES A. PHYSICAL DAMAGE $300 Deductible ONTARIO List Price New All Perils List Price New All Perils Up to $1, ,001 $ - 23,500 $ 235 1,001 $ - 1,500 $ 1,501 $ - 2,000 $ 2,001 $ - 2,500 $ 2,501 $ - 3,000 $ 3,001 $ - 3,500 $ 3,501 $ - 4,000 $ 4,001 $ - 4,500 $ 4,501 $ - 5,000 $ 5,001 $ - 5,500 $ 5,501 $ - 6,000 $ 6,001 $ - 6,500 $ 6,501 $ - 7,000 $ 7,001 $ - 7,500 $ 7,501 $ - 8,000 $ 8,001 $ - 8,500 $ 8,501 $ - 9,000 $ 9,001 $ - 9,500 $ 9,501 $ - 10,000 $ 10,001 $ - 10,500 $ 10,501 $ - 11,000 $ 11,001 $ - 11,500 $ 11,501 $ - 12,000 $ 12,001 $ - 12,500 $ 12,501 $ - 13,000 $ 13,001 $ - 13,500 $ 13,501 $ - 14,000 $ 14,001 $ - 14,500 $ 14,501 $ - 15,000 $ 15,001 $ - 15,500 $ 15,501 $ - 16,000 $ 16,001 $ - 16,500 $ 16,501 $ - 17,000 $ 17,001 $ - 17,500 $ 17,501 $ - 18,000 $ 18,001 $ - 18,500 $ 18,501 $ - 19,000 $ 19,001 $ - 19,500 $ 19,501 $ - 20,000 $ 20,001 $ - 20,500 $ 20,501 $ - 21,000 $ 21,001 $ - 21,500 $ 21,501 $ - 22,000 $ 22,001 $ - 22,500 $ 22,501 $ - 23,000 $ ,501 $ - 24,000 $ ,001 $ - 24,500 $ ,501 $ - 25,000 $ ,001 $ - 25,500 $ ,501 $ - 26,000 $ ,001 $ - 26,500 $ ,501 $ - 27,000 $ ,001 $ - 27,500 $ ,501 $ - 28,000 $ ,001 $ - 28,500 $ ,501 $ - 29,000 $ ,001 $ - 29,500 $ ,501 $ - 30,000 $ ,001 $ - 30,500 $ ,501 $ - 31,000 $ ,001 $ - 31,500 $ ,501 $ - 32,000 $ ,001 $ - 32,500 $ ,501 $ - 33,000 $ ,001 $ - 33,500 $ ,501 $ - 34,000 $ ,001 $ - 34,500 $ ,501 $ - 35,000 $ ,001 $ - 35,500 $ ,501 $ - 36,000 $ ,001 $ - 36,500 $ ,501 $ - 37,000 $ ,001 $ - 37,500 $ ,501 $ - 38,000 $ ,001 $ - 38,500 $ ,501 $ - 39,000 $ ,001 $ - 39,500 $ ,501 $ - 40,000 $ ,001 $ - 40,500 $ ,501 $ - 41,000 $ ,001 $ - 41,500 $ ,501 $ - 42,000 $ ,001 $ - 42,500 $ ,501 $ - 43,000 $ ,001 $ - 43,500 $ ,501 $ - 44,000 $ ,001 $ - 44,500 $ ,501 $ - 45,000 $ ,001 $ - 45,500 $ ,501 $ - 46,000 $ ,001 $ - and up Refer to company Ontario - Rented Motorhomes Elite Insurance Company D 12 January 1, 1998

141 ONTARIO WATERCRAFT SECTION

142

143 Table of Contents Billing Method..1 Binding Authority - New Business and Renewals... 2 Boat Types Bass Boats Cruisers/Cuddy Cabins/Houseboats Fishing Boats Jet Boats Personal Watercrafts Pontoon Boats Runabouts/Deck Boats Sailboats Ski Boats Sport Boats Business Not Written... 2 Cancellation and Reinstatement Procedures... 3 Change in Ownership... 1 Coverage Type... 1 Discounts... 6 Emergency Towing... 7 Endorsements... 3 Guaranteed Replacement Cost... 7 Lay-Up Period... 1 Letters of Brokerage/Transfer of Business... 2 Liability Limits... 1 Loss of Use/Additional Living Expenses... 7 Marine Assistance Endorsement... 8 Marine Surveys... 5 Minimum Physical Damage Limit... 1 Navigation Area... 9 Navigation Equipment... 4 Newly Acquired Watercraft... 4 Number of Watercrafts to one Policy... 1 Operation of other Watercraft... 4 Optional Policy Information... 3 Other Insurance... 2 Other Insurable Items Personal Effects... 4 Risks to be Referred... 2 Required Information New Application or Change in Watercrafts... 3 Short Rate Cancellation Table Single Limit... 3 Surcharges... 6 Supporting Business... 1 Theft Deductible Endorsement... 7 Watercrafts Purchased in the USA... 1 Winterization... 5 Ontario Elite Insurance Company 1 April 15 / June 1, 2015

144

145 GENERAL RULES Number of Watercrafts to one Policy Only one watercraft may be listed per policy, with the exception of a tender, which may be added to the larger watercraft. Billing Method All new policies will be issued as Direct Bill (full payment or multi payment). If Agency Bill or Preauthorized Payment is required, it must be stated on the application (a pre-authorization form and void cheque is required for this option). Coverage Type All Risk and Liability only. Coverage forms available are Agreed Value/Replacement Cost and Actual Cash Value. Liability Limits The minimum liability limit is $1,000, and the maximum liability limit is $2,000, These limits are available for all watercraft types. Minimum Physical Damage Limit The minimum amount available for physical damage is $2, on PWCs and the balance of watercraft classes will be $5, If value is less than these amounts, only liability coverage will be offered. Supporting Business No supporting business is required for any marine policy. Change in Ownership A newly completed application must be submitted by the new registered owner(s). This must be submitted as new business. Watercrafts Purchased in the USA Any watercraft purchased in the USA is subject to the same guidelines as a watercraft purchased in Ontario. Lay-Up Period The Insured s watercraft must be laid up on land and duly winterized from November 30 th at noon to April 1st at noon inclusive. The Insured s watercraft must not be used or inhabited during this period of time. Extensions may be granted by underwriting and a surcharge may apply. Please review the policy wordings for additional coverage limitations during the lay-up period. Ontario Elite Insurance Company 1 April 15 / June 1, 2015

146 GENERAL RULES (Cont d) Letters of Brokerage/Transfer of Business Cancellation of existing business and re-issuance under this program will not be accepted, including on renewal. Other Insurance This policy is always considered as excess insurance in the event that other insurance is in effect that applies to a loss or a claim or would have applied if this policy did not exist. Binding Authority - New Business and Renewals Broker binding authority is watercraft(s) valued up to $200,000. Over this amount please refer to underwriting. Renewals previously approved do not require further approval if conditions remain the same. Underwriting approvals will be completed within a 48-hour turn around time. Business Not Written More than one lien holder Watercrafts used for racing, speed tests, or competition, with the exception given to Sailboats. This includes, but is not limited to, shootouts, drag races with other boats, attempts to pass other watercraft in speed, or single watercraft high speed runs to determine the watercraft s maximum speed. Any commercial use, including rentals and charters Stand Up Jet Ski Kit assembly or homemade watercrafts Air Boats Hulls made of carbon-fibre or cement Hydrofoils or hovercrafts Any watercraft with a Turbine Marine Engine Any risk located within 50km of an area under restriction during forest fire alerts by any civil authority Any area where there is an impending flood Risks to be Referred Watercrafts that can reach speeds in excess of 70 mph More than one watercraft claim within the last five (5) years Operator(s) with major and/or serious convictions that you are aware of. Operator(s) with any licence suspensions within the last five (5) years that you are aware of. Modification to hull and/or machinery Watercrafts which are occupied by insured year round (Live-a-Boards) Watercrafts which are kept in the water year round Any watercraft above binding limits Any watercraft operating outside the navigational limits Watercrafts stored or primarily operated outside of the province of residence Hulls made of wood Cat hull Tunnel hull Sun Runner Peterborough Sunray Sport Boats High performance watercrafts (i.e. Fountain, Donzi, Scarab, etc.) Ontario Elite Insurance Company 2 April 15 / June 1, 2015

147 GENERAL RULES (Cont d) Required Information - New Application or Change in Watercrafts Copy of fully completed application signed by the Insured(s) Copy of the Bill of Sale, if the watercraft is new or Guaranteed Replacement cost is being offered Marine Survey - See Marine Surveys section for requirements Signed confirmation that all marine survey recommendations have been completed if applicable Photos of all sides of the watercraft if the age is years old. The watercraft must be out of the water when photos are taken, clearly showing all sides including the underside of the hull Copy of watercraft license Copy of operator s card Operator(s) date of birth Copy of CPS or other training certificate, should a training discount be offered Serial number of watercraft Serial number of engine Year, make and serial number of trailer Year, make and serial number of dinghy Optional Policy Information Copy of trailer ownership Recent photos of the watercraft Serial numbers of portable equipment Serial numbers of electronic equipment Cancellation and Reinstatement Procedures If insurance is cancelled at the request of the Company, the earned premium will be calculated pro rata. If insurance is cancelled at the request of the Insured, the earned premium will be calculated short rate. New Business- No flat cancellation is permitted. Renewals - Flat cancellation is permitted if policy returned within 30 days of the renewal date. Policies which have been cancelled for non-payment by registered mail may be reinstated if full outstanding payment is received prior to the cancellation date. If payment is received after the cancellation date of the policy, a new application must be submitted. Premium is fully earned when a total loss has been paid. Endorsements Policy changes are required in writing with premium calculated on a pro-rata basis. Single Limit The Single Limit amount of Insurance is equal to the cumulative sum of the amount of insurance of the following items (if they are described on the declarations page): 1. Hull 2. Outboard, Inboard or In/Outboard motor 3. Trailer Ontario Elite Insurance Company 3 April 15 / June 1, 2015

148 GENERAL RULES (Cont d) Personal Effects Defined as the wearing apparel, personal items and sports equipment of the Insured and their guests or volunteer crew while they are on board the insured watercraft. Coverage is always based on actual cash value Section E of the policy provides $5,000 in coverage for personal effects subject to a $500 deductible. For any additional increased limit, refer to underwriting. Coverage E is not available under Liability Only Policies. Navigation Equipment Means the devices, electronics and other equipment used to guide the insured watercraft. A $250 deductible applies and the amount of insurance for these items is included in Section A. Newly Acquired Watercraft Automatic coverage is provided for 15 days following the purchase of a replacement or additional watercraft only if the Insured provides full details of the acquisition within this time period and pays additional premium, if required. The amount insured during this period is the Amount of Insurance under Section A, up to the actual cost of the acquisition to the Insured. See the policy wordings for full details Operation of Other Watercraft Coverage under this section is offered provided that the Insured has the owner s permission and is using the non-owned watercraft for private pleasure purposes. Coverage applies only to the Insured on the policy. The limit of insurance is be the least of: 1. The actual cash value at the time of loss of the non-owned watercraft; 2. What it would cost to repair or replace the damaged property with another of like kind and quality 3. The limit of insurance specified under Section A of this policy. Ontario Elite Insurance Company 4 August 1, 2010

149 Marine Surveys Must be carried out by qualified surveyors who inspect the interior, exterior and engine(s) of a watercraft in order to verify its condition and value Must be carried out while the watercraft is out of the water Are mandatory when the watercraft(s) reaches 20 years of age, and every 5 years thereafter Applicable to watercraft over 30ft in length and over $30,000 in current value. For watercraft under these limits, we will only require photos of all sides of the boat The above conditions are minimum requirements, however a marine survey can be requested by underwriting at any time. A list of marine surveyors can be found in the Products & Documents section of avivapartner.ca (applicable to Ontario only. All regions, contact local marinas or marine dealers for a reference.) In areas where a marine surveyor is difficult to locate (e.g.; Northern Ontario, the Western Provinces & Territories), we will accept a Condition and Valuation Report on the Insured Watercraft from a reputable local marina. We would recommend a marina that is a member of the Provincial Marina Operators Association. Winterization During the lay-up period from November 30 th to April 1 st inclusive, the Insured s watercraft must be professionally winterized by the marina in which the watercraft is stored. Winterization completed by the insured will also be acceptable if receipts are kept, and the Insured has adequate knowledge and training per the watercraft manufacturer s requirements for the winterization process. Winterization must be completed every season. Ontario Elite Insurance Company 5 April 15 / June 1, 2015

150 DISCOUNTS/SURCHARGES Discounts Claims Free Discount... 10% After 3 years claims free with continuous insurance (an experience letter or proof of prior insurance may be required) Canadian Power Squadron (certificate must be provided)... 10% Other recognized training (i.e. Dusty Miller)... 10% (pre-approval from underwriting is required and a certificate must be provided) Approved alarm system... 10% (i.e. Boomerang refer to underwriting) Dry-Dock Discount... 20% (The watercraft must not be put in the water for the entire year) Deductible discount 2 x deductible... 10% 3 x deductible... 20% Watercraft and Car/Home Discount... 10% A discount will apply if the Named Insured and/or their Spouse insure a private passenger vehicle and/or principal residence provided: The Named Insured and their Spouse reside in the same household, and; The private passenger vehicle and/or principal residence is insured with any company in the Aviva group of companies and through the same insurance intermediary. A maximum cumulative discount of 30% will apply, excluding Deductible and Dry-Dock discounts Surcharges Main operator age surcharge Under % Under % Any Claim(s) in the last 3 years... 5% ½ deductible surcharge... 10% Watercraft age surcharge Over 10 years % Over 15 years... 5% Over 20 years % Year-Round Use (Live-Aboards)... 25% Atlantic Costal Water surcharge... 10% All discounts and surcharges apply to the hull premium only Ontario Elite Insurance Company 6 January 1, 2012

151 ENDORSEMENTS Guaranteed Replacement Cost Conditions Available for all watercraft classes except Personal Watercraft (i.e. Seadoo) Insured must be the original owner The watercraft must be brand new at the time of purchase and of the current model year or newer The watercraft must be insured through Aviva Elite from purchase date we will not offer this coverage if the watercraft was insured elsewhere and then transferred to Aviva Elite Bill of sale must be provided prior to issuing Amount of insurance must reflect the purchase price on the bill of sale (including accessories and taxes) Pricing Value of Watercraft Additional Premium $0 - $50,000 $25.00 $50,001 - $100,000 $50.00 $100,001 - $200,000 $75.00 $200,001 - $300,000 $ $300,001 - $400,000 $ $400,001 - $500,000 $ $500,001 & up Coverage not available Loss of Use/Additional Living Expenses We will cover the reasonable costs incurred should the insured watercraft be disabled as a result of an insured peril, up to a maximum of $1,500). Available for all watercraft classes except Personal Watercraft (i.e. Seadoo). Reasonable costs include (as a result of a claim caused by an insured peril): 1. The cost of a rental watercraft during the time your watercraft is being replaced or repaired; 2. The cost of a rental car or reasonable accommodation expenses if the watercraft is laid up; or 3. Any additional living expenses incurred while your watercraft is being replaced or repaired. Emergency Towing We will cover costs incurred by the Insured should the watercraft become disabled for any reason. Available for all watercraft classes except Personal Watercraft (i.e. Seadoo). We will pay the reasonable cost, up to $1,000 (no deductible applies) for: 1. Towing to the nearest repair facility; 2. Cost of delivery of fuel or repair parts to the site of disablement, including the cost of fuel; or 3. Cost of emergency labour performed at the site of disablement. Theft Deductible Endorsement Applicable to Personal Watercrafts (i.e. Seadoo s), Jet Boats, Sport Boats or as required by underwriting. This endorsement applies to the policy deductible in the event of a total or constructive total loss caused by theft or attempted theft. Ontario Elite Insurance Company 7 August 1, 2010

152 ENDORSEMENTS (Cont d) Marine Assistance Endorsement This endorsement provides the following coverages: 1. Trip Planning 2. Legal Assistance 3. Health Assistance 4. Boat Towing Claims Administration 5. Boat Value/Resale Assistance 6. Concierge Service Applicable to all watercraft products. Rate: Included Ontario Elite Insurance Company 8 March 1 / April 1, 2014

153 NAVIGATION AREA Not North of this point Not North of this point Not West of this point Not South of this point Standard Navigation Limits: The inland waters of Canada and the U.S.A., not south of 40 degrees north; The waters of the Great Lakes and tributaries including the St. Lawrence River, and the Hudson River above the George Washington Bridge; West Coast - the Pacific coastal/tidal waters of the Vancouver Islands and mainland British Columbia including Puget Sound and the Strait of Juan de Fuca not west of Cape Flattery; and not more than 20 nautical miles offshore or on the Fraser River east of the mouth of the Sumas River; and East Coast - limited to not north of 52 degrees north and not south of 40 degrees north within Canadian and US coastal waters only; and not more than 100 nautical miles offshore. A navigation extension may be granted by underwriting for operation outside of these areas including Florida, Bahamas and the Caribbean). Additional terms and premiums will apply. Ontario Elite Insurance Company 9 August 1, 2010

154 Personal Watercrafts COVERAGE AVAILABILITY and WATERCRAFT DESCRIPTIONS Agreed Value/Replacement Cost offered until the watercraft reaches 2 years of age. After this period, the policy will be amended to Actual Cash Value. No discounts are available on this class Theft Deductible Endorsement applies See endorsements section for applicable endorsements TWO (2) PERSON SEADOO -works with turbine rotax -has a fibreglass shell -speeds of mph THREE (3) PERSON SEADOO -works with turbine rotax -has a fibreglass shell -speeds of mph FOUR (4) PERSON SEADOO -works with turbine rotax -has a fibreglass shell -speeds of 50 mph Jet Agreed Value/Replacement Cost for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. Theft Deductible Endorsement Applies See endorsements section for applicable endorsements JET BOAT ROTAX -works with one or two turbine rotax -has a fibreglass shell -speeds of 50 mph JET BOAT M2 -works with one (1) turbine Mercury M2 -has a fibreglass shell -speeds of 50 mph JET BOAT FOURTEC -works with two (2) turbine rotax engines -has a fibreglass shell -speeds of 50 mph Ski Agreed Value/Replacement Cost for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements Description: -has a fibreglass shell -equipped with inboard motor -speeds of mph -length between 18 to 22 feet Ontario Elite Insurance Company 10 August 1, 2010

155 Sport Underwriting approval is required prior to binding. Agreed Value/Replacement Cost available however valuation of the watercraft is depreciated by a minimum of 5% every 2 years, otherwise the policy is amended to Actual Cash Value. Deductible is 1% or $500 for 1 engine, whichever is greater Deductible is 2% or $1,000 for 2 engines, whichever is greater Deductible is 3% or $1,500 for 3 engines, whichever is greater Theft Deductible Endorsement applies See endorsements section for applicable endorsements Description: -watercraft is designed for speed -hull is fibreglass -speed is 65 to 80 mph length is 16 to 40 feet -can be equipped with sleeping facilities and a head -engine can be in/outboard or outboard Fishing Agreed Value/Replacement Cost for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements With outboard motor -leisure boat or fishing boat -aluminum hull -equipped with outboard engine -speeds of 50 mph -length is 16 to 22 feet With in/outboard motor -leisure boat or fishing boat -aluminum hull -equipped with in/outboard engine -speeds of 50 mph -length is 16 to 30 feet Ontario Elite Insurance Company 11 August 1, 2010

156 Bass Agreed Value for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements Description: -fishing boat -hull is aluminum with metal flake paint -equipped with outboard motor -speeds of 65 mph -length is 18 to 22 feet Cruisers/Cuddy Cabins/Houseboats Agreed Value for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements Cruiser less than 28 FEET - equipped as live aboard with sleeping facilities, head and kitchen - has a fibreglass shell - equipped with in/outboard motor or Inboard - speeds of 50 mph - length is between 22 to 27 feet Cruiser 28 FEET OR MORE - equipped as live aboard with sleeping facilities, head and kitchen - has a fibreglass shell - equipped with in/outboard or inboard - speeds of 45 mph - length is over 28 feet Cuddy Cabin - equipped with sleeping facilities and a head - has a fibreglass shell - equipped with in/outboard motor or Inboard - speeds of 50 mph - length is between 18 to 23 feet Houseboat -live aboard watercraft with sleeping facilities, head, kitchen -normally hand-crafted construction, rarely made from preforms -equipped with outboard motor(s) -maximum speed is approximately 25 mph -length is between 22 to 32 feet Ontario Elite Insurance Company 12 August 1, 2010

157 Pontoon Agreed Value for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements Outboard motor -leisure watercraft or fishing boat -has an aluminum shell -equipped with outboard motor -speeds of 25 mph -length between 15 to 26 feet In/outboard motor -leisure watercraft or fishing boat -has an aluminum shell -equipped with in/outboard motor -speeds of 35 mph -length between 15 to 26 feet Sail Agreed Value for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements SAILBOAT LESS THAN 28 FEET - watercraft equipped with sail(s) and able to be live aboard with sleeping facilities and head - hull is fibreglass - equipped with outboard or inboard engine - length is 15 to 27 feet SAILBOAT 28 FEET OR MORE - watercraft equipped with sail(s) and able to be live aboard with sleeping facility, kitchen and head - hull is fibreglass - equipped with inboard engine - length is 28 feet or more Ontario Elite Insurance Company 13 August 1, 2010

158 Runabouts/Deck Agreed Value for the first 15 years. After 15 years the policy is to be re-underwritten. A marine survey will be required and the policy may be amended to Actual Cash Value. Deductible is 1% or $500, whichever is greater. See endorsements section for applicable endorsements Deck boat with outboard motor -leisure watercraft or fishing boat -equipped with outboard engine -has an aluminum or fibreglass hull -speeds of 35 mph -length is 18 to 30 feet Deck boat with in/outboard motor -leisure watercraft -has an aluminum or fibreglass hull -equipped with in/outboard engine -speeds of 45 mph -length is 18 to 30 feet Runabout with in/outboard motor -runabout with an open front -has a fibreglass shell -engine is a single in/outboard motor -speeds of 50 mph -length is between 16 to 30 feet Runabout with outboard motor -runabout with an open front -has a fibreglass shell -equipped with outboard motor -speeds of 50 mph -length is between 16 to 30 feet Ontario Elite Insurance Company 14 August 1, 2010

159 OTHER INSURABLE ITEMS TRAILER -insure to actual cash value or policy limit -required information is year, make and serial number -if trailer is homemade request copy of ownership SAILBOAT CRADLE -insure to actual cash value -the cradles are hand-crafted and serial numbers are not required OUTBOARD MOTOR -insure to actual cash value or Agreed Value/Replacement Cost -required information is year, make, horsepower and serial number ELECTRIC MOTOR -insure to actual cash value or Agreed Value/Replacement Cost -required information is year, make and serial number DINGHY AND AUXILIARY ENGINE -insure to actual cash value, offering separate values for each item -required information for each item is year, make and serial number DOWNRIGGERS -insure to actual cash value -required information is make and serial number -this is fishing equipment Ontario Elite Insurance Company 15 August 1, 2010

160 COMMUNICATION AND NAVIGATION EQUIPMENT All these items are insured in the total value of the watercraft. Depth Finder GPS VHF Radio Radar Examples of security devices, which may be warranted by underwriting: UNIVERSAL TRAILER LOCK To protect unattended trailers, this lock has an advance locking mechanism that resists picking and prying. SECURITY LOCK NUTS CTC: LOCK, STRN DRV SINGLE McGard Part Number Simply replace one of the stern drive mounting nuts with a McGard lock Stern drive locks are fully machined from high-quality stainless steel and through-hardened Free-Spinning collar that turns if attacked by gripping tools without loosening the lock Fits most Mercruiser Alpha, Bravo I-III and Blackhawk Ontario Elite Insurance Company 16 August 1, 2010

161 SHORT RATE CANCELLATION TABLE FROM TO % FROM TO % FROM TO % Ontario Elite Insurance Company 17 April 15 / June 1, 2015

162

163 ONTARIO COTTAGE SECTION

164 COTTAGES GENERAL SECTION GENERAL SECTION Ontario Cottages 2 Elite Insurance Company May 15 / July 1, 2012

165 COTTAGES GENERAL SECTION COTTAGE PROGRAM OVERVIEW The Elite Cottage policy has been designed to provide coverage for permanent owner occupied properties used on a seasonal or secondary basis. Coverage is available on a stand-alone basis: Secondary and Seasonal packages available Premises Liability Only Out of Province and U.S. residents eligible Island Cottages are acceptable Cottages accessed only by water are acceptable Dock coverage included Damage cause by bears included Rental coverage for 30 days is included Single policy limit Deductible Options One territory for rating Easy to rate Payment options available 12 month policies only Ontario Cottages 3 Elite Insurance Company May 15 / July 1, 2012