Plan U

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This insurance pays for damage or loss of an automobile rented from a commercial rental agency. For further details read on:

You have paid premium for a specific plan of insurance, please note:

Coverage begins at the time the Insured takes control of the rented Automobile during the Period of Coverage as indicated on the Declaration Form. Coverage terminates at the earliest of:

a) 12:00 midnight on the expiry date or 
b) The time the Commercial Rental Agency assumes control of the Automobile whether it be at their place of business or elsewhere; or 
c) The time the rental agreement or contract expires or is terminated.
Coverage shall be void and the premium shall be refunded if coverage is not purchased in Canada and prior to rental of the vehicle.

DESCRIPTION OF COVERAGE
Rental Car Collision Damage Protection pays up to $50,000 for loss due to Physical Damage or loss of one Automobile rented by the Insured from a Commercial Rental Agency occurring while the Automobile is in the care, custody and control of the Insured and/or those persons otherwise permitted to operate the Automobile in accordance with the rental contract, while covered under this Insurance.

BENEFITS
1. The maximum benefit payable is limited to the amount which would have been payable if the Insured had purchased collision damage waiver coverage from the Commercial Rental Agency, less:
a) any amount payable by the Insured's own Automobile insurance policy; 
b) any amount assumed, waived or paid by the Commercial Rental Agency or its insurer; and 
c) any amount payable under any other insurance policy.

EXCLUSIONS
Benefits are not payable for loss due to:
CDW1 While sane or insane: Emotional, mental or nervous disorders, suicide, attempted suicide, or intentionally self-inflicted Injury.
CDW2 Act of War, kidnapping, hijacking or Act of Terrorism, riot, strike or civil commotion, unlawful visit in any country, participation in armed forces training exercises or manoeuvres. The commission or attempted commission of any criminal/criminal like act by the Insured, a Family Member or Travelling Companion; contravention of any statutory law or regulation in the area where the loss occurred. 
CDW3 Loss being in any way contributed to by the use of prohibited drugs, alcohol or any other intoxicant.
CDW4 Loss of use of the Automobile or any administration fees.
CDW5 Caused by, or contributed to by: mechanical fracture or breakdown of any part of the Automobile; or rusting, corrosion, wear and tear, gradual deterioration, inherent defect, freezing, conversion or any dishonest act of the Insured and/or any other party of interest and/or any person to whom the property may be entrusted (bailors for hire excepted); or the Insured's failure to preserve or protect the Automobile; or the neglect or abuse of the Automobile by the Insured and/or any other person in which the Automobile was entrusted under the terms of the rental agreement. 
CDW6 The operation of the Automobile by an individual who does not hold a valid driver's license in their state, province or territory of residence or Country of Origin.
CDW7 Loss or damage of any contents of the Automobile
CDW8 Loss or damage of Exotic Cars.
CDW9 Speed tests or contests.
CDW10 Benefits do not include damage or loss arising directly or indirectly from operation of the vehicle contrary to the terms and conditions of the rental agreement/contract.

LIMITATIONS
1. Age eligibility: Legal driving age at the place of rental
2. Maximum sum insured: $50,000 
3. Geographic coverage: Worldwide
4. Maximum Length of coverage: 31 consecutive days unless authorized by T.I.C.
5. There is no coverage provided for any form of third party Automobile liability or personal accident insurance Benefits.

CONDITIONS
1. The Insured shall promptly file a report of Physical Damage or Loss for which the Insured may be liable with the Insurer's representative and the Insured shall provide the Insurer's representative with written notice of loss and police report, disclosing full details, within 90 days of the date of loss.
2. The Insured shall examine the Automobile and file a written report of existing damage with the Commercial Rental Agency prior to acceptance of the Automobile and the Insured shall report in writing to the Commercial Rental Agency all Physical Damage or loss which occurs during the term of the Automobile rental agreement or contract prior to, or upon return of the vehicle to the Commercial Rental Agency.
3. The Insurer shall pay insurance money for which it is liable under this Insurance within 60 days after satisfactory proof of loss has been received by the Insurer.
4. In the event of an accident, malicious act, burglary, robbery, or theft, the Insured will immediately report to the police or other authorities having jurisdiction, full details as required by law.
5. The Insured must decline the collision damage waiver offered by the Commercial Rental Agency.
6. A police report must accompany any claim for reimbursement if the loss exceeds $1,000 (CAD).
7. Automobile must be rented from a duly authorized Commercial Rental Agency.
8. The Automobile is not used for carrying passengers for compensation or hire or for commercial delivery.
9. The Insured is not engaged in the business of renting Automobiles in any manner whatsoever.
10. No repairs, other than those that are immediately necessary for the protection of the Automobile from further loss or damage, shall be undertaken and no evidence of the Physical Damage or Loss shall be removed without the consent of the Insurer's representative.
11. Every action or proceeding against the Insurer under this Insurance shall be commenced within one year after the cause of the action arose and not afterwards.
12. This Insurance does not provide coverage in any jurisdiction where such coverage is prohibited by law.
13. General Conditions of this policy apply. 

GENERAL CONDITIONS
Applicable to all insurances in this policy booklet.
1. Co-operators Life Insurance Company hereby insures the person(s) named as the Insured(s) and will pay the benefits listed in this policy except for benefits payable for property insurance which is payable by The Sovereign General Insurance Company and the Air Flight Accident Insurance which has been effected with certain Lloyd's Underwriters (hereinafter called the "Insurer") through T.I.C. Agencies Ltd., North Vancouver, B.C.
2. The Declaration Form is the basis of and forms part of this Policy. Coverage is valid only if a Declaration Form is fully completed by a T.I.C. authorized and appointed agent on or before the Application Date and prior to the Effective Date of coverage.
3. Expiry time of coverage is deemed to be the time within the time zone where the Insured was residing when the Declaration Form was issued.
4. Insurance is in effect only for coverages and for the Sum Insured indicated on the Declaration Form for which the premium has been paid on or before the Effective Date. Benefits are payable in accordance with the Classification of Coverages and are limited to the Sum Insured.
5. Benefits payable do not include interest charges.
6. The coverages outlined in this Policy are second payor plans. If there are other third party liability, group or individual basic or extended health insurance plans or contracts including any private or provincial auto insurance plan providing hospital, medical or therapeutic coverage, in force concurrently herewith, amounts payable hereunder are limited to those expenses incurred outside the Insured's province of residence that are in excess of the amounts for which the Insured is insured under such other coverage. T.I.C. will coordinate all benefits in conjunction with the guidelines provided by Canadian Life, Health Insurers Association.
Insured benefits do not include, and reimbursement will not be made for any expenses, services or supplies that an insurer is eligible to pay under a motor vehicle liability policy pursuant to the No-Fault Benefits Schedule under any Insurance Act. Where there is no other coverage reasonably available or other plan that will pay the expense, insured benefits will be paid by T.I.C.
7. If the Insured named in this policy is retired with an extended health plan provided by a former employer, with a lifetime limit of $50,000, T.I.C. will not coordinate Benefits with that provider.
8. Benefits are only payable under one policy, for each Insured during the Period of Coverage indicated on this Policy. If more than one T.I.C. coverage is in force concurrently herewith, Benefits will only be paid under the Insurance with the greatest Sum Insured.
9. In the event of any payment of Benefits under the Insurance, the Insurer shall be subrogated to all the rights of recovery therefore which any Insured receiving such payment may have against any person or organization. Such person shall execute and deliver instruments and papers and do whatever else is necessary to secure such rights and shall do nothing after loss to prejudice such rights.
10. The entire coverage of this Insurance shall be void if, whether before or after loss, the Insured has concealed or misrepresented any material fact or circumstances concerning this coverage or subject thereof, or the interest of the Insured therein, or in the case of any fraud or false swearing by the Insured.
11. The Insured shall be responsible for the verification of
a) any medical expenses incurred and shall obtain itemized accounts of all medical services which have been provided,
b) any payment made by a provincial or territorial hospital/medical plan, or, if the Insured is not covered or is not eligible for coverage, verification of any payment that would have been made,
c) any payment made by any other insurance plan or contract,
d) at the request of T.I.C. it is the Insured's responsibility to provide substantiating medical documentation from their Country of Origin.
Failure to provide substantiating documents shall invalidate all claims under this insurance.
12. All Benefits and Limitations stated in this Policy are deemed to be in Canadian currency (CAD).
13. T.I.C. reserves the right to investigate or obtain private opinion on an Insured's medical condition and to obtain any and all information relating to a claim.
14. It is a condition that T.I.C. be notified at the 24-hour claim line prior to, or within 48 hours of, admission to Hospital and prior to any surgery or invasive investigations being performed. Failure to do so, without reasonable cause will reduce eligible expenses by 20%.
15. It is a condition precedent to liability under this policy that at the time of application, the Insured knows of no reason to seek medical attention. This condition applies to all plans other than Baggage, Accidental Death and Disablement, Air Flight Accident, and Rental Car Collision Damage Protection.
Extended Coverage After Termination
16. If an Insured under this Insurance is riding as a passenger in a conveyance licensed for the transportation of passengers and for which coverage would otherwise be provided under this Insurance and if such conveyance is scheduled to arrive at its destination while this Insurance is in force but is delayed beyond such arrival time by reason of circumstances over which the Insured has no control, the coverage of this Insurance shall be extended automatically until the Insured ceases to be a passenger in such conveyance, but not to exceed 72 additional hours.
17. If an Insured under this Insurance is deemed as medically unfit to travel as a result of a covered Injury or Sickness and if this advice is provided prior to the expiry date of this policy as indicated on the Declaration Form and if this advice is provided, in writing, by the attending physician, this Insurance will automatically be extended for five days.
18. If an Insured is hospitalized at the end of the Period of Coverage, Insurance will be extended to the Insured and an Insured Travelling Companion remaining with the Insured when reasonable and necessary, for the period of Hospital confinement, plus 72 hours after release to travel home.
19. Extension or renewal of coverage is subject to the Terms and Conditions outlined by T.I.C. on file with the duly appointed agents of T.I.C.
20. It is a condition that each term of coverage is considered a separate contract and all terms and conditions of coverage apply except where waived or endorsed by authorization of T.I.C.

REFUNDS
Premium refunds must be obtained from the agent where coverage was originally purchased. There will be no refund of premium if any claims have, or will be made against this insurance. An administration fee of $25 for partial refunds (cancellations) and $10 for flat cancellations will be deducted from the returned premium. Refund of premium will only be returned upon the completion of a claims waiver form under the following circumstances:
Emergency Excess Hospital and Medical Coverage:
a) The entire Trip is cancelled prior to the Effective Date.
b) The Insured chooses to cancel this coverage after reading this policy wording provided the request for cancellation is within 10 days of receipt of this policy and prior to the Effective Date as stated on the Declaration Form.
c) The Insured returns to his/her province or territory of residence 30 days prior to the expiry Date of the Policy.
Annual Plans will not be refunded after the effective date as dated on the Declaration Form.
Trip Cancellation & Interruption and Packages are pro-rated according to the period of time on risk from the Date of Application when:
a) The Trip is cancelled by the Travel Supplier and the Insured does not travel as booked.
b) The Travel Supplier changes the travel dates and the Insured is unable to travel on those dates and all penalties are waived.
c) The Insured cancels the Trip before any penalties come into effect.
Visitors to Canada Medical and Hospital Coverage:
a) The entire Trip is cancelled prior to the Effective Date
b) The Insured under Visitors to Canada Insurance returns to his/her Country of Origin 30 days prior to the expiry date of the Policy
c) The Insured is covered under a provincial or territorial hospital/ medical plan.
Baggage, Accidental Death & Disablement, Air Flight Accident, and Trip Interruption:
a) The entire Trip is cancelled prior to the Effective Date.

Definitions
"Act of Terrorism" means an act, including but not limited to the use of force or violence and/or the threat thereof, of any person or group(s) of persons, whether acting alone or on behalf of or in connection with any organisation(s) or government(s), committed for political, religious, ideological or similar purposes including the intention to influence any government and/or to put the public, or any section of the public, in fear.
"Act of War" means war, invasion, acts of foreign enemies, hostilities or warlike operations (whether war be declared or not), civil war, rebellion, revolution, insurrection, civil commotion assuming the proportions of or amounting to an uprising, military or usurped power.
"Acute" means the initial Emergency, short course (not chronic) treatment phase of an Injury or Sickness.
"Aggregate Limit" means the total number of insured losses resulting from any one accident or event causing loss.
"Antique Automobile" means an Automobile that is more than 20 years old or has not been manufactured for 10 years or more.
"Application Date" (applicable to Trip Cancellation & Interruption and All-Inclusive Package Plans only) is deemed as the date the Insured purchases this insurance in conjunction with the initial non-refundable costs associated with booking their Trip.
"Automobile" means a vehicle rented by the Insured from a Commercial Rental Agency for his/her personal use under a written rental agreement specifically excluding a truck, van (other than a mini-van), bus, off-road vehicle (while used as such), motorcycle, moped, motorbike, recreational vehicle, all-terrain vehicle, camper or trailer, Antique Automobile, limousine or Exotic Car.
"Business Meeting" means a meeting scheduled before the Effective Date of this Insurance between companies with unrelated ownership, pertaining directly to the Insured's full-time employment or professional association and is required by the Insured's employer.
"Canadian Resident" means a Landed Immigrant or Canadian citizen who maintains a permanent residence in Canada to which they will return after their Trip and is covered under a provincial or territorial health plan.
"Commercial Rental Agency" means a car rental agency or company licensed under the law of its jurisdiction.
"Country of Origin" means the country in which the Insured maintained a permanent residence prior to entry into Canada.
"Declaration Form" means the form titled "Declaration Form" specifying the Insured's names, Period of Coverage, Application Date, Effective and expiry Dates, coverages selected and premium paid. 
"Default" means a complete cessation of operations as a result of a bankruptcy of a contracted Travel Supplier.
"Effective Date" means the date coverage commences as indicated on the Declaration Form, or in the case of Annual Plan the date of departure for each separate trip from the province or territory of residence on or after the stated Effective Date. Effective Date for Trip Cancellation & Interruption Plans is the Application Date. 
"Emergency" is an unforeseen Sickness or Injury affecting the Insured in such a way that the Insured requires immediate intervention by a legally licensed medical physician or dentist. Such Emergency no longer exists, when in the opinion of the attending physician, the Insured is able to return to their place of ordinary residence.
"Exotic Car" includes any Automobile manufactured by Aston Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari, Jensen, Lamborghini, Lotus, Jaguar, Maserati, Porsche, Rolls Royce or any similar automobile.
"Expected Medical Treatment" means Medical Consultation or hospitalization which has been shown, by prior medical history, as probable or certain to occur.
"Hospital" means an incorporated or licensed hospital having accommodation for resident in-patients, a laboratory, a registered graduate nurse and physician always on duty and an operating room where surgical operations are performed by a legally licensed medical physician or physicians. In no event shall this include a convalescent or nursing home, home for the aged, health spa, or an institution for the care of drug addicts, alcoholics or persons suffering from mental or nervous disorders.
"Family Member" means the Insured's legal or common-law spouse, parent, brother, sister, legal guardian, step-parent, step-child, step-brother, step-sister, aunt, uncle, niece, nephew, grandparent, grandchild, in-law, natural or adopted child.
"Injury" means accidental bodily injuries received while this insurance is in force resulting in loss, independent of Sickness and all other causes.
"Insured" means an eligible person over the age of 14 days whose name appears on the Declaration Form and who has paid the required premium and meets all the conditions of the plan selected.
"Key Employee" means a business partner or an employee whose continued presence is critical to the ongoing affairs of the business during the Insured's absence.
"Medical Consultation" means the obtaining of any medical services from a licensed medical practitioner for an ailment, illness or disease, which includes any or all of: history taking, medical examination, investigative testing, advice or treatment, and for which a diagnosis of the condition need not have been definitively made. Does not include regular medical check-ups where there is no medical clinical sign, or patient portrayed symptoms.
"Period of Coverage" means the number of days coverage for which premium has been paid and for the dates indicated on the Policy.
"Physical Damage or Loss" means loss or damage to the Automobile for which the Insured might be liable (excluding tires unless coincident with other loss or damage covered herein) caused by fire, theft, explosion, earthquake, windstorm, hail, rising water, malicious mischief, riot, civil commotion or collision with another object or by upset.
"Professional" means any person who earns the majority of their income from a particular sporting activity.
"Sickness" means illness or disease causing loss commencing while this Insurance is in force.
"Spouse" means a person who is legally married to the Insured, or has been living in a common-law relationship (either opposite sex or same sex) with the Insured for a continuous period of at least one year and who resides in the same household as the Insured.
"Travelling Companion" is a person who has pre-paid shared accommodation or transportation with the Insured. (Maximum of five persons including the Insured.)
"Travel Supplier" means a licensed tour operator, licensed travel wholesaler, licensed ground transporter, airline or accommodation facility which has contracted to supply services to the Insured and whose services were arranged by a Canadian travel agent. U.S. airlines are not covered unless part of a package tour.
"Trip" means the entire trip contracted by the Insured and for which the premium was paid.

Copyright 2002 T.I.C. Travel Insurance Coordinators - 2T product
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