RECREATIONAL VEHICLE BINDING AUTHORITY. Motor Homes $100,000. Camper Units $100,000. Travel Trailers $100,000

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1 RECREATIONAL VEHICLE BINDING AUTHORITY The amounts listed below are your binding authorities based on the total loss exposure of the policy to be issued. Although your authority is limited, amounts in excess of your authority are generally available once the risk has been submitted to, and approved by your underwriter. Motor Homes $100,000 Camper Units $100,000 Travel Trailers $100,000 5 th Wheel Trailers $100,000 For risks within your binding authority you may bind cover up to the limit shown, for all other limits, please submit the application to your underwriter for approval. WUMHM(02/12) RV1-1 BRITISH COLUMBIA

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3 MOTOR HOMES DEFINITION & COVERAGE SUMMARY DEFINITION A motor home is a self-propelled vehicle equipped with living quarters that are an integral part of the unit, which cannot be removed. A motor home must be equipped with manufacturer installed cooking, sleeping, and toilet facilities. To qualify for this program the motor home must be a Class A or Class C unit. (See page RV3-4) NAMED PERILS ACTUAL CASH VALUE COVERAGE Named Perils excluding Glass cover Basis of Loss Settlement Actual Cash Value Personal Property Limit $2,500 included on an Actual Cash Value basis. Fire Department Charges $500 included. ALL RISKS REPLACEMENT COST COVERAGE Broad Form Perils including Glass cover Basis of Loss Settlement Replacement Cost Personal Property Limit $2,500 included on a Replacement Cost basis. Emergency Vacation Expenses $100 per day, to a maximum of $1,000. Fire Department Charges $500 included. ALL RISKS GUARANTEED REPLACEMENT COST COVERAGE Unit must be 10 years old or less. Broad Form Perils including Glass cover Basis of Loss Settlement Guaranteed Replacement Cost Personal Property Limit $5,000 included on a Replacement Cost basis. Emergency Vacation Expenses $200 per day, to a maximum of $2,000 Appliance Extended Warranty included. Fire Department Charges $500 included. WUMHM(05/13) RV3-1 BRITISH COLUMBIA

4 MOTOR HOMES UNDERWRITING GUIDELINES APPLICATIONS A fully completed Western Underwriting Managers application (Form # WU-VTAPP) is required on all New Business. PERSONAL INFORMATION PRIVACY ELECTRONIC DOCUMENT ACT (P.I.P.E.D.A.) Any person named as either a Named Insured or an Additional Insured must sign the completed application. RISK TO BE REFERRED Units with a value in excess of $100,000 for rating and binding. Customized or homemade units (Photo required). Units registered in a corporate name but used strictly for recreational purposes. Units used as a primary residence (temporary or permanent). Units used as accommodation while working away from home. Applicant s who have had coverage cancelled, declined, or refused during the past 5 years. Any Insured with more than one loss in the past three years, or two losses in the past 5 years. RISKS NOT WRITTEN Units not registered in British Columbia Class B Motor homes Converted Buses or Vans On All Risks Guaranteed Replacement Cost Coverage only, units over 10 years old. Units used for business or commercial purposes. Units driven to and from work. Units permanently parked or situated in the U.S.A. Units rented or leased to others Units that are in sub-standard condition. Risks on Consignment WUMHM(10/14) RV3-2 BRITISH COLUMBIA

5 MOTOR HOMES UNDERWRITING GUIDELINES MINIMUM PREMIUM A minimum and retained premium of $100 will be applied to each policy. This minimum and retained premium shall apply even when the Insured is eligible for premium discounts, which would develop a premium of less than $100. LETTERS OF BROKERAGE We do not accept letters of brokerage on Recreational Vehicle policies. UNITS USED AS A JOB-SITE RESIDENCE (TEMPORARY OR PERMANENT) Unit is subject to approval by your underwriter. The premium will be surcharged by 25%. PERMISSION FOR USE AS A PRIMARY RESIDENCE (TEMPORARY OR PERMANENT) If the Insured uses the recreation vehicle as a primary residence (temporary or permanent), a 25% surcharge will apply. CLAIMS HANDLING To assist you in handling claims, we have pre-approved adjusters in each area who can handle claims on our behalf. Please assign claims directly to one of these approved adjusters. If you do not know the preapproved adjusters for your area, please contact your underwriter. All glass claims are to be submitted directly to Wynward Insurance Group along with Declaration page and estimated receipts. WUMHM(05/13) RV3-3 BRITISH COLUMBIA

6 CLASS A MOTORHOME Refer Underwriting Guide if value over $100,000. CLASS B MOTORHOME This Class of Motorhome not written. CLASS C MOTORHOME Refer Underwriting Guide if value over $100,000. WUMHM(02/12) RV3-4 BRITISH COLUMBIA

7 British Columbia Motor Homes NAMED PERILS ACTUAL CASH VALUE COVERAGE (No Glass Coverage) A.C.V. OF UNIT Personal Property Deductible A.C.V. ONLY $250 $500 $1,000 $2,500 20,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, DISCOUNTS Mature Market Discount (at age 50) 12% ADDITIONAL LIMITS AND SURCHARGE For Motor Home Limits over $100,000 $8.40 per $1,000 Personal Property per $1,000 $10 Add Glass Cover (Subject to Policy Deductible) $75 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV3-5 BRITISH COLUMBIA

8 British Columbia R.C.V. OF UNIT Motor Homes ALL RISKS REPLACEMENT COST COVERAGE Personal Deductible Property R.C.V. $250 $500 $1,000 $2,500 30,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2, ,000 2,500 1, ,000 2,500 1, ,000 2,500 1,051 1, ,000 2,500 1,073 1, DISCOUNTS Mature Market Discount (at age 50) 12% ADDITIONAL LIMITS AND SURCHARGE Motor Home Limits over $100,000, up to $345,000 $10.30 per $1,000 Personal Property per $1,000 $13 Reduce Glass Deductible to $250 Deductible $75 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV3-6 BRITISH COLUMBIA

9 British Columbia Motor Homes ALL RISKS GUARANTEED REPLACEMENT COST COVERAGE APPLICABLE TO UNITS 10 YEARS OLD OR LESS APPLICABLE TO ANY UNIT WITH A REPLACEMENT VALUE OF $100,000 OR LESS ANY UNIT UP TO 29 FEET IN LENGTH Length of Unit Personal Property Deductible In Feet R.C.V. $250 $500 $1,000 $2, , , , , , , , , , , DISCOUNTS Mature Market Discount (at age 50) 12% ADDITIONAL LIMITS AND SURCHARGE Motor Home Limits OVER $100,000 Refer to Underwriter Motor Homes OVER 29 feet in length Refer to Underwriter Personal Property per $1,000 $13 Reduce Glass Deductible to $250 Deductible $75 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV3-7 BRITISH COLUMBIA

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11 TRAVEL TRAILERS & CAMPER UNITS COVERAGE SUMMARY NAMED PERILS ACTUAL CASH VALUE COVERAGE Named Perils Basis of Loss Settlement Actual Cash Value Personal Property Limit $2,500 included on an Actual Cash Value basis. Outbuilding - $2,500 included on an Actual Cash Value basis. Fire Department Charges $500 included. ALL RISKS REPLACEMENT COST COVERAGE Broad Form Perils Basis of Loss Settlement Replacement Cost Personal Property Limit $2,500 included on a Replacement Cost basis. Outbuilding - $2,500 included on a Replacement Cost basis. Emergency Vacation Expenses $100 per day, to a maximum of $1,000. Fire Department Charges $500 included. ALL RISKS GUARANTEED REPLACEMENT COST COVERAGE Unit must be 10 years old or less. Broad Form Perils Basis of Loss Settlement Guaranteed Replacement Cost Personal Property Limit $5,000 included on a Replacement Cost basis. Outbuilding - $2,500 included on a Replacement Cost basis. Emergency Vacation Expenses $200 per day, to a maximum of $2,000 Appliance Extended Warranty included. Fire Department Charges $500 included. WUMHM(05/13) RV4-1 BRITISH COLUMBIA

12 TRAVEL TRAILERS & CAMPER UNITS UNDERWRITING GUIDELINES APPLICATIONS A fully completed Western Underwriting Managers application (Form # WU-VTAPP) is required on all New Business. PERSONAL INFORMATION PRIVACY ELECTRONIC DOCUMENT ACT (P.I.P.E.D.A.) Any person named as either a Named Insured or an Additional Insured must sign the completed application. RISK TO BE REFERRED Units with a value in excess of $100,000 for rating and binding. Customized or homemade units (Photo required). Units registered in a corporate name but used strictly for recreational purposes. Units used as a primary residence (temporary or permanent). Units used as accommodation while working away from home. Applicant s who have had coverage cancelled, declined, or refused during the past 5 years. Any Insured with more than one loss in the past three years, or two losses in the past 5 years. Risks requiring Comprehensive Personal Liability. RISKS NOT WRITTEN Units not registered in British Columbia On All Risks Guaranteed Replacement Cost Coverage only, units over 10 years old. Units used for business or commercial purposes. Units permanently parked or situated in the U.S.A. Units rented or leased to others Units that are in sub-standard condition. Risks on consignment. WUMHM(10/14) RV4-2 BRITISH COLUMBIA

13 TRAVEL TRAILERS & CAMPER UNITS UNDERWRITING GUIDELINES MINIMUM PREMIUM A minimum and retained premium of $100 will be applied to each policy. This minimum and retained premium shall apply even when the Insured is eligible for premium discounts, which would develop a premium of less than $100. LETTERS OF BROKERAGE We do not accept letters of brokerage on Recreational Vehicle policies. MEASUREMENTS OF UNITS Slide-in-Camper: The full length of the unit including any cab-overhang. HORSE TRAILERS (Excluding all tack equipment) This type of unit can be written as Named Perils Actual Cash Value Coverage, All Risks Replacement Cost Coverage and All Risks Guaranteed Replacement Cost Coverage: With Living Quarters Extensions of Coverage shall only apply to the living quarter s portion of the unit. Without Living Quarters Delete Extensions of Coverage. UNITS USED AS A JOB-SITE RESIDENCE (TEMPORARY OR PERMANENT) Unit is subject to approval by your underwriter. The premium will be surcharged by 25%. PERMISSION FOR USE AS A PRIMARY RESIDENCE (TEMPORARY OR PERMANENT) If the Insured uses the recreation vehicle as a primary residence (temporary or permanent), a 25% surcharge will apply. If the unit is permanently parked, with blocks, skirting, additions or outbuildings, it may be more appropriate to provide coverage as a mobile home. Please refer to your underwriter. CLAIMS HANDLING To assist you in handling claims, we have pre-approved adjusters in each area who can handle claims on our behalf. Please assign claims directly to one of these approved adjusters. If you do not know the preapproved adjusters for your area, please contact your underwriter. All glass claims are to be submitted directly to Wynward Insurance Group along with Declaration page and estimated receipts. WUMHM(05/13) RV4-3 BRITISH COLUMBIA

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15 British Columbia A.C.V. OF UNIT Out- Building Personal Property TRAVEL TRAILERS / CAMPER UNITS NAMED PERILS ACTUAL CASH VALUE COVERAGE Deductible A.C.V. ONLY A.C.V. ONLY $100 $250 $500 $1,000 $2,500 10,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2,500 1, ,000 2,500 2,500 1, ,000 2,500 2,500 1, ,000 2,500 2,500 1,106 1, ,000 2,500 2,500 1,142 1,033 1, ,000 2,500 2,500 1,176 1,067 1, ,000 2,500 2,500 1,211 1,099 1,071 1, ,000 2,500 2,500 1,245 1,132 1,103 1, ,000 2,500 2,500 1,278 1,163 1,136 1, ,000 2,500 2,500 1,311 1,195 1,170 1,111 1,030 78,000 2,500 2,500 1,346 1,226 1,201 1,141 1,058 80,000 2,500 2,500 1,380 1,257 1,233 1,172 1,085 90,000 2,500 2,500 1,552 1,420 1,393 1,323 1, ,000 2,500 2,500 1,722 1,579 1,554 1,476 1,367 DISCOUNTS Mature Market Discount (at age 50) 12% Permanently sited at Secure and Supervised Year-round R.V. Park 10% ADDITIONAL LIMITS AND SURCHARGE For Trailer or Camper Limits over $100,000 $14.84 per $1,000 Personal Property per $1,000 $9 Outbuilding per $1,000 (Unit must be permanently sited) $11 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV4-5 BRITISH COLUMBIA

16 British Columbia TRAVEL TRAILERS / CAMPER UNITS ALL RISKS REPLACEMENT COST COVERAGE R.C.V. OF UNIT Out- Building Personal Property Deductible R.C.V. R.C.V. $100 $250 $500 $1,000 $2,500 10,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2, ,000 2,500 2,500 1, ,000 2,500 2,500 1, ,000 2,500 2,500 1, ,000 2,500 2,500 1, ,000 2,500 2,500 1,185 1, ,000 2,500 2,500 1,225 1,038 1, ,000 2,500 2,500 1,266 1,073 1, ,000 2,500 2,500 1,307 1,110 1,087 1, ,000 2,500 2,500 1,348 1,144 1,121 1,066 1,009 68,000 2,500 2,500 1,392 1,182 1,158 1,099 1,042 70,000 2,500 2,500 1,432 1,219 1,193 1,134 1,073 72,000 2,500 2,500 1,473 1,253 1,230 1,170 1,108 74,000 2,500 2,500 1,513 1,290 1,267 1,203 1,140 76,000 2,500 2,500 1,554 1,325 1,302 1,238 1,172 78,000 2,500 2,500 1,597 1,362 1,337 1,271 1,203 80,000 2,500 2,500 1,638 1,399 1,374 1,305 1,237 90,000 2,500 2,500 1,846 1,579 1,554 1,477 1, ,000 2,500 2,500 2,052 1,760 1,734 1,646 1,560 DISCOUNTS Mature Market Discount (at age 50) 12% Permanently sited at Secure and Supervised Year-round R.V. Park 10% ADDITIONAL LIMITS AND SURCHARGE For Trailer/Camper Limits over $100,000 $17.85 per $1,000 Personal Property per $1,000 $12 Outbuilding per $1,000 (Unit must be permanently sited) $11 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV4-6 BRITISH COLUMBIA

17 British Columbia TRAVEL TRAILERS / CAMPER UNITS ALL RISKS GUARANTEED REPLACEMENT COST COVERAGE APPLICABLE TO UNITS 10 YEARS OLD OR LESS APPLICABLE TO ANY UNIT WITH A REPLACEMENT VALUE OF $100,000 OR LESS APPLICABLE TO ANY UNIT UP TO 40 FEET IN LENGTH Length of Unit Out- Building Personal Property Deductible In Feet R.C.V. R.C.V. $250 $500 $1,000 $2, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, ,500 5, DISCOUNTS Mature Market Discount (at age 50) 12% Permanently sited at Secure and Supervised Year-round R.V. Park 10% ADDITIONAL LIMITS AND SURCHARGE Trailer/Camper valued OVER $100,000 Refer to Underwriter For Trailers/Campers OVER 34 feet in length Use Quick Quote Personal Property per $1,000 $12 Outbuilding per $1,000 (Unit must be permanently sited) $11 Temporary/Permanent/Job-Site Residence (Refer to Underwriter) 25% WUMHM(10/14) RV4-7 BRITISH COLUMBIA