British Columbia Order in Council — Order under Insurance (Motor Vehicle) Effective January 1, 2001: B (O.C. 1637/2000)

O.C. 1637/2000

British Columbia — Orders in Council

residing Membej-of t PROVINCE OF BRITISH COLUMBIA ORDER OF THE LIEUTENANT GOVERNOR IN COUNCIL Order in Council No. 1637 , Approved and Ordered NOV 2.1 2000 41§E • Lieutenant Governor Executive Council Chambers, Victoria On the recommendation of the undersigned, the Lieutenant Governor, by and with the advice and consent of the Executive Council, orders that, effective January 1, 2001, B.C. Reg. 447/83, the Revised Regulation (1984) under the Insurance (Motor Vehicle) Act, is amended as set out in the attached Appendix. (This

part is for administrative purposes only and is not part of the Order) Authority under which Order is made: Act and section: - Insurance (Motor Vehicle) Act, s. 45 Other (specify):- OIC 1897/83 October 30, 2000 1b5 /2000/37

APPENDIX 1

Section 2 of B.C. Reg. 447/83, the Revised Regulation (1984) under the Insurance (Motor Vehicle) Act, is amended (

a) by renumbering it as

section 2 (1), (

b) in the renumbered subsection (1) by striking out "or" at the end of paragraph (d), by adding "or" at the end of paragraph (e), and by adding the following paragraph: (

f) a vehicle being used in a contest, show or race, or in advanced or performance driver training, if (

i) the activity is held or conducted on a track or other location temporarily or permanently closed to all other vehicle traffic, and (ii) there exists an element of race or speed test., and (

c) by adding the following subsection:

(2) In subsection (1) (f), "element of race or speed test" means driving at high speed, and includes passing maneuvers, driving in close proximity to another vehicle or assessing vehicle limitations in speed, acceleration, turning or braking. 2

Section 55 (8) (

a) is amended by adding "or other intoxicating substance" after "intoxi- cating liquor or a drug". 3

Section 63 is amended in paragraphs (

b) and (d) (ii) of the definition of "insured" by adding "uses or" before "operates the vehicle". 4

Section 69 (

e) is amended by adding "that other insurer's and" after "in accordance with". 5

Section 106 (3) is repealed. 6

Section 113 is amended by adding the following definition: "replica" means a motor vehicle of a manufacturer's make in which a person who is not a manufacturer of motor vehicles has altered (

a) the body of the motor vehicle so that it resembles, but is no longer identical in appearance to, the original body of the motor vehicle, or (

b) any one or more of the following so that they differ from the manufacturer's available original equipment options for the model year of that motor vehicle: (

i) the chassis;

(ii) the power train; (iii) the steering and braking mechanical components; . 7

Section 115 is amended (

a) in subsection (3) (

a) by adding ", or has been convicted under the Young Offenders Act (Canada) of any of the offences set out in those sections," after "Criminal Code (Canada)", and (

b) in subsection (3.1) (

a) by adding", or has been convicted under the Young Offenders (British Columbia) Act of an offence under

section 42.1 (2) of the Act," after "under

section 42.1 (2) of the Act". 8

Section 119 (5) is amended by striking out "or" at the end of paragraph (a), by adding "or" at the end of paragraph (b), and by adding the following paragraph: (

c) a vehicle is rated in rate class 701 or 705. 9

Section 120.1(1) is amended by adding "replica," after "modified commercial vehicle,". 10

Schedule 5 is amended by repealing forms APV4, APV4A, APV4C, APV4D, APV4F, APVI I and APV16LL and substituting the attached forms 4/ 31/4„.1PV4/1, APV4C, APV4D, APV4F, APVI I and APVI 6LL respectively.

I I

Schedule 6 is amended by repealing forms APV4E, APV4F, APV40, APV45, APV84, APV197, APV281, APV286, APV286A, APV297, APV297A, APV314 and APV345 and substituting the attached forms APV4E, APV4F, APV40, APV45, APV84, APV197, APV281, APV286, APV286A, APV297, APV297A, APV314 and .4PV345 respectively.

Schedule 8 is amended (

a) in sections 1, 3 and 4 by striking out "2000" wherever it appears and substituting "2001", (

b) in

section 3 (2) by striking out "1999" and substituting "2000", and (

c) in

section 5 by repealing the Table and substituting the following: ACTUAL Loss RATIO TABLE Column I Column 2 Actual Loss Ratio Amount 80% or more but less than 90% $10 000 90% or more but less than 100% $15 000 100% or more but less than 110% $20 000 110% or more but less than 115% $25 000 115% or more but less than 120% $30 000 120% or more but less than 130% $35 000 130% or more but less than 140% $40 000 140% or more $50 000 _ _J

GARAGE AUTOMOBILE POLICY PRESCRIBED PURSUANT TO

SECTION ISO OF THE REVISED REGULATION

(19114) UNDEF THE INSURANCE (MOTOR VEHICLE) ACT (HEREWAFTER CALLED THE REGULATION) 450 c • CHANGE RENEW N • NO CHANGE LAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) 420 NEW NO OF ISUBEDS AGENTS NO . DEDUC PER VEHICLE

SECTION 2 AS PER RIDER APV-4E SUBSECTION B. C a D OWNED VEHICLES LEGAL LIABILITY FOR OWN DAMAGE COVERAGE TO CUSTOMERS VEHICLES 1PART 9 DIVISION 21 (RIDER APV 4F) SUBSECTION B COMPREHENSIVE TO CUSTOMERS VEHICLES 0 0 0 0 0 0 PREMIUM ENDORSEMENTS APV APV APV APV APV AM TIME C PM VALIDATIC ENDORSEMENTS WARNING THIS POLICY CONTAINS A COINSURANCE CLAUSE AND A DEDUCTIBLE CLAUSE UNDER SECTIONS 2 AND 3 OF THE COVERAGE SET OUT ABOVE. A FORFEITURE CLAUSE AS SET OUT BELOW. AND A CANCELLATION CLAUSE SET OUT ON THE BACK HEREOF REETNAN DISC REETPLANSuECNTAGE DISCOUNT SURCHARGE TOTAL ANN NET PREMIUM MORA 'L D PREMIUM

IN WITNESS WHEREOF. THE CORPORTION HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE OFFICER.

BUT THE SAME SHNI.L NOT BE BINDING UNTIL VALIDATED AND SIGNED BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION Thom Thompson PRESIDENT AND CmEE EXECUTIVE OFEcEP IhSURA■CE CORPORATON OE BRITISH COLL/wpA Insurance Corporation of British Columbia (Hereinafter called The Corporatio HE APPLICANT (HEREINAFTER CALLED THE INSURED) APPLIES TO THE CORPORATION FOR A GARAGE AUTOMOBILE POLICY AND THE RATING QUESTIONNAIRE, TOGETHER WITH HE GENERAL PROVISIONS (APV-4C), ALL ATTACHED RIDERS, ENDORSEMENTS, AND THESE DECLARATIONS, FORM PART OF THE POLICY. hODHESS OF INSURED 1 NO OF EMPLOYEE POINTS- TOTAL NO OF LIC PLATES REPAIRMAN'S PLATES TRANSPORTERS PLATES PRIVATE PASSENGER PLATES COMMERCIAL PLATES (5000 KG GVW OR LESS) COMMERCIAL PLATES (OVER 5000 KO GVW) TRAILER PLATES (INCL DEMOS) MOTORCYCLE PLATES (INCE DEMOS) NO OF LIC PLATE POINTS -- 'HE VEHICLES IN RESPECT OF WHICH INSURANCE IS TO IE PROVIDED ARE THOSE USED IN CONNECTION WITH 'HE INSURED'S BUSINESS OF COVERAGES

SECTION I OWNED OR CUSTOMERS VEHICLES THIRD PARTY LEGAL LIABILITY(PART El. ACCIDENT BENEFITS (PART 7) AND FIRST PARTY COVERAGE INCLUDING UNDERINSURED MOTORIST PROTECTION (PART 101 (RIDER APV40) SUBSECTION A COLLISION OR UPSET TO CUSTOMERS VEHICLES

SECTION 3 SUBSECTION C SPECIFIED PERILS TO CUSTOMERS VEHICLES NON PREMIUM ENDORSEMENTS APV APV Y'•••••••••'...x•-v- 0 u DEDUC. PER VEHICLE 0 0 0 $ LIMIT ALL LOCATIONS DEDUC PER VEHICLE DEDUC PER OCCURR $ LIMIT ALL OCATIONS $ $ ANNUAL PREMIUMS IIIII LIMITS/DEDUCTIBLES LIMIT OF LIABILITY 0 0 , 0 0 01 $ LIMIT OF LIABILITY IMNIMutA AND RETAINED PREMIUM $50 Cash $ Cheque S nAW,C.eII e EFFECTIVE DATE OF POLICY ACK DAY MONTH YEAR DAY MCKIE( YEAR DAY r MONTH DAR -- i - AUTHORIZATION NUMBER LINE NO.

APV4 NUMBER AND TYPE OF LICENCE PLATES DEMO PLATES (EXCLUDING WC I TRAILER DEMOS EXPIRY DATE FLEET NUMBER POLICY NUMBER 1 -SPECIAL - TOTAL NUMBER i TEAR BUS CODE RATING OF EMPLOYEES I — NUMBER AND TYPE OF EMPLOYEES — CLASS A CLASS B CLASS C 0 0 , 000 DEDUC. PER VEHICLE $ TOTAL LIMIT ALL LOCATIONS DEDUC. PER VEHICLE 1$ I DEDUC. PER VEHICLE 1$ S DEDUC. PER OCCURR. I $ 9 DEDUC. PER OCCURR. DEDUC PER OCCURR

SECTION 2 DISCOUNT °/0 SUBSECTION A OWNED VEHICLES SUBSECTION B CUSTOMER'S VEHICLES SUBSECTION A OWNED VEHICLES COLLISION OR UPSET OWN DAMAGE COVERAGE TO INSURED 'S OWNED VEHICLES (PART 9. DIVISION 2) (RIDER APV-4E( SUBSECTION B COMPREHENSIVE OWNED VEHICLES SUBSECTION C SPECIFIED PERILS OWNED VEHICLES SUBSECTION D SPECIFIED PERILS AEXCL THEFT) OWNED VEHICLES NOT VALID UNLESS STAMPED BY AUTHORIZED ISSUING OFFICE $ $ $ IGNATURE BY THE INSURED OF THIS POLICY ACKNOWLEDGES ALL THE TERMS ND CONDITIONS CONTAINED ON THIS POLICY AND DECLARES THAT THE OREGOING INFORMATION IS TRUE AND WHERE(

A) AN INSURED WHO APPLIES OR A POLICY GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE :ORPORATiON OR KNOWINGLY MISREPRESENTS OR FAILS TO DISCLOSE IN HE DECLARATION ANY FACTS REQUIRED TO BE STATED HEREIN, OR (

B) HE INSURED CONTRAVENES A TERM OR PROVISION OF THE POLICY OR :OMMITS A FRAUD. OR(

C) THE INSURED WILLFULLY MAKES A FALSE TATEMENT IN RESPECT OF A CLAIM UNDER THE POLICY. ANY CLAIM BY HE INSURED IS INVALID AND THE RIGHT OF THE INSURED TO RECOVER VDEMNITY IS FORFEITED *NATURE OF INSURED IGNATURE OF AGENT ,Fiv4

(112000) OTAL ANNUAL PREMIUM $

WARNING 1. A certificate is invalid if issued for a vehicle that is not required to be licenced under the Motor Vehicle Act (Insurance (Motor Vehicle) Act,

Sec. 37). 2. A certificate is deemed invalid as soon as the vehicle is registered and licenced in another province or state (Insurance (Motor Vehicle) Act,

Sec. 37). 3. Use of the vehicle by persons or for purposes not permitted by the Insurance (Motor Vehicle) Act and Regulation or by the rate class shown on the certificate may invalidate the certificate (Regulation). APV4

(112000) IF MORE THAN ONE LOCATION ATTACH LIST OF ADDRESSES. INDICATE HERE THE LEGAL ENTITY TO BE INSURED BY THIS POLICY, E.G. INDIVIDUAL, COMPANY, SOCIETY, ETC. GARAGE AUTOMOBILE POLICY RATING QUESTIONNAIRE THE POLICY IS ISSUED ON THE BASIS OF THE INFORMATION CONTAINED HEREIN.

THIS QUESTIONNAIRE FORMS PART OF THE POLICY 1 1 1 1 1 I 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 I 1 I I 1 1 I 1 I I 1 1 I 1 I 1 I I I 1 I 1 I I 1 MAILING ADDRESS OF INSURED 1 1 1 1 1 1 1 1 I 1 1 1 1 1 1 1 1 l 1 I I 1 I 1 I 1 1 1 1 1 1 1 1 1 I 1 1 1 1 1 I 1 1 1 car/ TOWN 1 1 1 1 1 I 1 I I 1 1 PROVINCE 1 1 POSTAL CODE I I I 1 1 ADDRESS WHERE BUSINESS IS LOCATED If DIFFERENT FROM MAILING ADDRESS 1 1 1 1 1 1 1 I 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 I 1 1 1 j_j____L J__I_L_L 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 I 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 lam_ CITY I TOWN PROVINCE POSTAL CC 1 1 l 1 I I I 1 L_I____LI 1 1 1 1 1 1 1 III THE VEHICLES IN RESPECT OF WHICH INSURANCE IS TO BE PROVIDED ARE THOSE USED IN CONNECTION WITH THE INSURED'S BUSINESS OF: 200 LI AUTO TOWING 300 CI NEW & USED AUTO DEALER 401 ❑ AUTO CONVERSION (OR 603) 402 III SCHOOL VOCATIONAL AUTO SHOP 700 CI SERVICE STATION (OR 604) 902 ❑ AUTO TRANSPORTER 701 ❑ AUTO CLEANING 903 ❑ BAILIFF (OR 606) 301 0 MOTORCYCLE DEALER 403 D PRIVATE REPAIR GARAGE 702 ❑ AUTO GLASS INSTALLATION 302 ❑ AUTO WHOLESALER (OR 601) 500 ❑ IMPLEMENT DEALER 800 D RECREATIONAL VEHICLE DEALER NOTE: INDICATE ALL ASPECTS OF INSUR 303 ❑ TRUCK DEALER (OR 608) 501 ❑ EQUIPMENT DEALER 801 ❑ BOAT TRAILER DEALER BUSINESS AND CIRCLE 400 ❑ REPAIR GARAGE (OR 602) 600 D USED AUTO DEALER 900 ❑ AUTO PARKING PRINCIPAL OPERATION TOTAL NUMBER OF EMPLOYEES (PART TIME EMPLOYEES COUNT THE SAME AS FULL TIME EMPLOYEES) — NB ICJ , .

FORFEITURE CAUSE APPt TES

SECTION IS INSURANCE ,MOTOR VIHICI E CLASS DESCRIPTION NUMBER A PROPRIETORS, PARTNERS, OFFICERS, SALESMEN AND MANAGERS, PLUS ALL EMPLOYEES WHOSE DUTIES CONSIST PRINCIPALLY OF THE OPERATION OF VEHICLES B ALL CLERICAL OFFICE EMPLOYEES (MUST BE CLERICAL ONLY) INCLUDING SELF SERVE CASHIERS C MECHANICS, BODY SHOP MEN, PARTSMEN AND ALL OTHER EMPLOYEES NOT INCLUDED IN (

A) OR

(8) ABOVE IF 'YES". ENTER FLEET NO DO YOU HAVE AN AUTOPLAN FLEET? YES ❑ NO ❑ I THIRD PARTY LIABILITY LIMIT S TOTAL VALUE OF CUSTOMERS VEHICLES AI ALL LOCATIMS $ 1 IS THIS A NEW BUSINESS OR A NEW LOCATION? YES 0 NO 0 IF ANSWER IS YES TO EITHER QUESTION. A PHOTOGRAPH OT TIIE NEW OR 2 IS THERE A CHANGE IN PROTECTION (AGAINST FIRE, THEFT OR VANDALISM) EXISTING LOCATION WHICH VISWU.L1 AT AN EXISTING LOCATION?

YES 0 NO 0 DESCRIBES THE BUSINESS AND PROTECTION IF ANY. 8A TOTAL NUMBER & TYPE OF PLATES REQUIRED WITH THIS POLICY N.B. 100% FORFEITURE CLAUSE APPLIES SEC 18 INSURANCE (MOTOR VEHICLE) ACT NUMBER DEMONSTRATION MATES (EXCLUDING WC S TRAILER DEMOS) REPAIRMAN PLATES (SEE BB) * TRANSPORTER PLATES PRIVATE PASSENGER PLATES COMMERCIAL PLATES (5000 KG GVW OR LESS) COMMERCIAL PLATES (OVER 5000 KG GVW) TRAILER PLATES (INCL. TRAILER DEMO PLATES) MOTORCYCLE PLATES (INCL.

WC DEMO PLATES) TOTAL NUMBER OF LICENCE PLATES COVERAGES REQUIRED 2 OWNED VEHICLES BOY COINSURANCE CLAUSE APPLIES (SEE RIDER APR 4E) COLLISION COMPREHENSIVE OR SPECIFIf D PERILS OR SPECIFIED PERILS EXCLUDING THEFT DEDUCTIBLE DEDUCTIBLE OCCOCTIBLE DEDUCTIBLE 3 CUSTOMER'S VEHICLES 90'. COINSURANCE CLAUSE APPLIES (REGULATION SEC. ISO) NO ❑ No 0 COLLISION COMPREHENSIVE OR SPECIFIED PERILS DEDUCTIBLE ABS ❑ YES 0 8B IF REPAIRMAN'S PLATES ARE REQUESTED.

DESCRIBE BRIEFLY WHAT VEHICLES THEY WILL BE USED FOR E G USED ON OWNED UNLICENCED VEHICLES OR CUSTOMER'S UNLICENCED VEHICLI USED TO OPERATE UNLCENCED LOGGING TRUCKS OWNED BY (NAME OF GUST( APV4A

(112000) FLEET D NUMBER INDICAI NUMBE EMPLO' EACH C IF 1 Insurance Corpo of British Colum ICBC USE ONLY AF NAME Of INSURED (SURNAME FOLLOWED BY GIVEN NAMES) POLICY NUMBER ICBC USE ONLY N2E0W R5E0NEW EFFECTIVE DATE DAY MONTH YEAR 1 I 1 1 1 EXPIRY DATE MONTH YEAR 1 PREVIOUS POLICY NUMBER 1 1 1 1 L DAY 1

LOC. 1 ADDRESS: INDICATE WITH AN 'X' IF STORAGE AREA IS 0 A BUILDING (COMPLETE ONE BOX ONLY) --II. ❑ A FULLY ENCLOSED COMPOUND 0 AN OPEN LOT DESCRIBE THE PROTECTION FOR FIRE. THEFT AND VANDALISM WHICH IS PROVIDED AT THIS STORAGE AREA. AN EXAMPLE OF PROTECTIONS FOR A BUILDING: 'CONCRETE ONE STOREY BUILDING WITH A SPRINKLER SYSTEM AND A LOCAL ALARM'. INDICATE THE VALUE OF OWNED VEHICLES KEPT AT THE ABOVE STORAGE AREA FOR EACH OF THE FOLLOWING CATEGORIES. tN U. OW.

COINSURANCE CLAUSE APPLIESI - SEE RIDER APV 4E $ NEW VEHICLE STOCK $ USED VEHICLE STOCK PLATED YtoiCIES 110 OtIODOCTROORS MO SERVICE VINCIJS) $ 5 REFER TO AGENTS MANUAL VOLUME 3, GARAGE SECTION, FORM COMPLETION, BEFORE COMPLETING THIS SECTION. DO YOU HAVE A NEW VEHICLE FRANCHISE? (IF YES. INDICATE MAKE AND/OR WHOLESALER) YES 0 NO ❑ LOCATION OF OWNED VEHICLES — COMPLETE ONE BOX (A), (

B) OR (

C) FOR EACH AREA WHERE VEHICLES ARE STORED, EVEN IF ADDRESS OF STORAGE AREA IS THE SAME. — ATTACH SEPARATE LIST IF VEHICLES ARE STORED IN MORE THAN 3 AREAS. LOC. 2 ADDRESS: INDICATE WITH AN 'X' IF STORAGE AREA IS 0 A BUILDING AN EXAMPLE OF PROTECTIONS FOR AN OPEN LOT: "6 FT CHAIN LINK FENCE ONE SIDE AND REAR, 8" CURBS IN FRONT, DITCH ON ONE SIDE (COMPLETE ONE BOX ONLY) ---1110 0 A FULLY ENCLOSED COMPOUND WITHOUT FENCE, USES BLOCKER CARS AT NIGHT". 0 AN OPEN LOT DESCRIBE THE PROTECTION FOR FIRE. THEFT AND VANDALISM WHICH IS PROVIDED AT THIS STORAGE AREA.

INDICATE THE VALUE OF OWNED VEHICLES KEPT AT THE ABOVE STORAGE AREA FOR EACH OF THE FOLLOWING CATEGORIES (N. D. 80+0 COINSURANCE CLAUSE APPLIES)- SEE HIDER AM/ 4 E NEW VEHICLE STOCK $ StliVtt %INC.'

S) USED VEHICLE STOCK $ ROW AHICLIS (16 OtMONSTRATORS MD $ LOC. 3 ADDRESS: INDICATE WITH AN 'X" IF STORAGE AREA IS 0 A BUILDING (COMPLETE ONE BOX ONLY) 11111. 0 A FULLY ENCLOSED COMPOUND AN EXAMPLE OF PROTECTIONS FOR A FULLY FENCED COMPOUND: "UT CHAIN LINK FENCE WITH 3 STRANDS OF BARBED WIRE ON TOP, TRAINED GUARD DI FLOOD LIGHTS ALL NIGHT. FREQUENT POLICE PATROLS". 0 AN OPEN LOT DESCRIBE THE PROTECTION FOR FIRE, THEFT AND VANDALISM WHICH IS PROVIDED AT THIS STORAGE AREA INDICATE THE VALUE OF OWNED VEHICLES KEPT AT THE ABOVE STORAGE AREA FOR EACH OF THE FOLLOWING CATEGORIES IN D. NV, COINSURANCE CLAUSE APPLIES) .

SEE RIDER APV 4F NEW VEHICLE STOCK $ SERVO VINCUS) USED VEHICLE STOCK $ RATIO AKLIS (IX 00400151PATORS MO $ 0 A C. 11 FLOOR PLAN — LIEN HOLDER I DO YOU HAVE VEHICLES FINANCED AND INSURED ON A FLOOR PLAN? YES 0 NO ❑ 2 IF 'YES' WHO FINANCES THE FLOOR PLAN? WHO INSURES THE FLOOR PLAN? r., AN.; A I LOo:z PLAN WILL BE EXCLUDED FROM '.OMPHEIIEFILIVE ANT PECIFIED I'LRiLS COVERAGE Ve THE FLOC:I PLAN EXCLU,',ICN ENOGRaNIENI (APV 4AA1 3 PROVIDE THE NAME AND ADDRESS OF LIENHOLDER (IF APPLICABLE) NAME. ADDRESS- 2 ENDORSEMENTS REQUESTED NAMED VEHICLE ENDORSEMENT (APV 4H) YES 0 NO D IF YES.

VEHICLE TYPE CONSEQUENTIAL LOSS CUSTOMERS' VEHICLES YES 0 NO 0 3 DETAILS OF LOSSES IF PREVIOUSLY INSURED WITH OTHER THAN I C.B C , PROVIDE THE FOLLOWING A NAME OF PREVIOUS INSURANCE COMPANY B POLICY NO C ATTACH SEPARATE LIST PROVIDING DETAILS OF LOSSES INCLUDING DATES. KIND OF LOSS. AMOUNTS PAID AND AMOUNTS OUTSTANDING IF PREVIOUSLY INSURED WITH ICBC. PROVIDE POLICY NUMBER 4f AGENT'S COMMENTS (ATTACH MEMO IF NECESSARY) VALUE OF EXCLUDED FLOOR PLAN STOCK WARNING. SIGNATURE BY THE APPLICANT HEREON DECLARES THAT THE FOREGOING PARTICULARS ARE TRUE AND WHERE (

A) AN APPLICANT GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE CORPORATION OR 10 MISREPRESENTS OR FAILS TO DISCLOSE IN THE APPLICATION ANY FACTS REQUIRED TO BE STATED THEREIN. OR (

B) THE APPLICANT CONTRAVENES A TERM OR CONDITION OF THE APPLICATION OR THE REGULATION, OR CI FRAUD. ANY CLAIM BY THE INSURED IS INVALID AND THE RIGHT OF THE INSURED TO RECOVER INDEMNITY IS FORFEITED i . I II : ■ , ‘. A t ANL. TELEPHONE NUMBER AGENT NAME (PRODUCER) AGENT I D NUMBER AGENT TELEPHONE NUMBER APVaA

(112000) P Insurance Corporation of British Columbia (Hereinafter called The Corporation) GENERAL PROVISIONS,

DEFINITIONS AND EXCLUSIONS TO THE GARAGE AUTOMOBILE POLICY APV PRESCRIBED PURSUANT TO

SECTION 150 OF THE REVISED REGULATION 119841 UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) THIS GARAGE AUTOMOBILE POLICY IS SUBJECT TO THE FOLLOWING GENERAL PROVISIONS,

DEFINITIONS AND EXCLUS101 IN ADDITION TO THE INSURANCE (MOTOR VEHICLE) ACT AND THE REGULATION WHERE APPLICABLE. These General Provisions, together with the Riders, Endorsements, Declarations and Rating Questionnaire attached hereto constitute the contract insurance between the Corporation and the Insured and are included in the expression "The policy" when used herein. I. Additional Insureds The Corporation agrees to indemnify in the same manner and to the same extent as if named herein as the named insured: (

a) Under Sections I and 3 of the APV4, in respect of a vehicle nut owned by or leased to the named insured or such additional insured: (

i) every partner, officer or employee of the named insured engaged in the business described in the APV4, while personally driving in su business and with the consent of the named insured, and (ii) every partner or officer of the named insured while personally driving, provided that such use is occasional and the vehicle is in the ca custody or control of the named insured. (

b) Under Sections I and 2 of the APV4, in respect of vehicles owned by or leased to the named insured: (

i) any person or organization legally responsible for the use thereof, if such use is with the permission of the named insured. (

c) Under

Section 1 of the APV4 only, in respect of a vehicle not owned by or leased to the named insured or such additional insured: (

i) the named insured or a partner or officer of the named insured and a member of his or her household while personally driving any ma vehicle. 2. Consent of Insured No person shall be entitled to indemnity or payment under the policy who operates any vehicle as defined in the policy without the consent of t named insured, or who is an occupant of any vehicle which is being used without the consent of the owner thereof, or without the consent, expn or implied, of the named insured. 3.

Personnel of other Garages excluded No person who is engaged in the business of selling, repairing, maintaining, storing, or parking vehicles in the course of such business or wh so engaged or while an occupant of such vehicle, unless the person is the named insured or an additional insured, shall be entitled to indemn or payment under the policy for any loss, damage, injury or death sustained while engaged in the use or operation of or while working upon t vehicle. 4.

Audit The Corporation, through any authorized representative and at any reasonable times during the term of or any renewal of this policy, may inspl the insured's records relating to the number, type and value of owned vehicles and/or customers %chides and the number of persons employed the insured. 5. Vehicle defined In the policy, the following words have the following meanings: "owned vehicle" means (

a) any vehicle, including its equipment, as defined for a declared value vehicle in

Section 122 of the Regulation, owned by or leased to t named insured in the business stated on the APV4, (

h) any camper or canopy owned by or leased to the named insured in the business as stated on the APV4, (

c) any vehicle sold in the business as stated on the APV4 by the named insured but not delivered by him to the purchaser thereof, and (

d) notwithstanding Sections 43(1) and 44(1) of the Insurance (Motor Vehicle) Act and Sections 2 and 114 of the Regulation any vehicle tl is excluded from the Act and Regulation, when owned by or leased by the named insured in the business as stated on the APV4, but dc not include any other vehicle the ownership, use or operation of which is excluded by the general provisions,

definitions and exclusic pursuant to the policy. "customer's vehicle" (

a) means a vehicle owned by another or a camper owned by another (

i) while such vehicle is being towed by, carried on, or pushed by a vehicle driven by the named insured or his partner, off►cer or employee, or (i

i) while in the care, custody or control of the insured in the business as stated on the APV4 for testing, repair, maintenance, servicing, storage, or parking, (iii) while held for sale on consignment but shall not include a vehicle (

A) owned or leased by the named insured or his partner or officer or (

B) sold by the named insured but not delivered by him to the purchaser thereof. (

b) Notwithstanding Sections 43(1) and 44(1) of the Insurance (Motor Vehicle) Act and Sections 2 and 114 of the Regulation, a custome vehicle includes a vehicle owned by another that is excluded from the Act and Regulation where the operation, possession or title to t excluded vehicle also complies with subsections (a) (i), (ii) and (iii) above. (

c) For the purpose only of this policy, a vehicle that is not owned by the insured shall be deemed to be a customer's vehicle where the insur may be or is vicariously liable to another, (excepting only the owner of the non-owned vehicle) because of the use or operation of such a nc owned vehicle by an agent or servant of the insured in the course of their employment by or agency for the insured. PV4C

(112000) G. Vehicles Excluded The Corporation shall not be liable under the policy (unless otherwise permitted by endorsement) for loss, damage, injury or death arising fn the ownership, use or operation of (

a) Any vehicle owned by the named insured in connection with or used for the purposes of any business conducted by, or any employment occupation for wages or profit engaged in by, the insured other than as stated on the APV4, or (

b) Any vehicle owned by the named insured which is designed or modified for racing purposes, or (

c) Any vehicle furnished by the named insured to any person except, (

i) to a partner, officer or employee active in the business stated in the APV4 for regular or frequent use by such person or (ii) for the irregular and infrequent use of a vehicle by a person or organization with the permission and consent of the named insure (

d) Any vehicle owned or leased by the named insured: (

i) designed for the bulk transportation of petroleum products or other materials, or (ii) designed or used for the transportation of more than two other vehicles, or (iii) designed for towing and rendering assistance to another vehicle. This Exclusion (

d) does not apply to a vehicle described therein when not being used for the purpose of bulk transportation, transportati of more than 2 other vehicles, or towing or rendering assistance to another vehicle. (

c) A manufactured home as defined in the Motor Vehicle Act. (

f) Any vehicle owned or leased by the named insured, with a GVW of 10,000 kg. or more that is used for the delivery or carriage of goods the named insured. 7. Excluded Uses The Corporation shall not be liable under the policy while the vehicle: (

a) is rented or leased to another provided that the use by an employee of his vehicle on the business of his employer and for which he is p; shall not be deemed the renting or leasing of the vehicle to another; (

b) is used to carry radioactive materials for research, education, development or industrial purposes or for purposes incidental thereto; (

c) is used as a taxi, bus or for carrying passengers for compensation or hire; or (

d) is used: (

i) for the carrying of goods or materials for compensation, or (ii) for public road construction, repair or maintenaLce, or (iii) as farm or contractor's equipment on behalf of others for compensation. S. Temporary Substitute Vehicle The use of a courtesy car, owned by or leased to the named insured and insured by the policy, by any customer of the insured shall not considered the renting or leasing of the vehicle to another person within the meaning of Provision 7(a). 9. Other Insurance The policy is subject to the other insurance provisions of the Regulation. 10.

Material Change in Risk The insured named in the policy shall promptly notify the Corporation in writing of any change in the risk material to the policy and within knowledge. 11. Additional Agreements It is a condition of the insurance provided by Sections I and 3 of the APV4 that every person insured by the policy shall pay or reimburse I Corporation, upon demand, any amount which the Corporation has paid by reason of the provisions of any statute relating to automobile insurar and which the Corporation would not otherwise be liable to pay under the policy. 12. Reporting (

a) On or before the inception date of this policy, the named insured shall determine the total number of licence plates to be purchased and which this policy is to be applicable and the insured shall declare the number of licence plates so determined on the APV4 policy, whi number of licence plates shall be used by the Corporation to determine the premium to be paid for coverage under

Section 1 Subsections and C and

Section 2 Subsecti NI A of this policy. Thereafter during the term of this policy or any renewal, the insured shall report immediate to the Corporation whenever the actual total number of licence plates to which this policy is applicable varies from the number of !jeer plates so declared on the APV4 or last previously reported in accordance with this provision, or as shown as an amended declared to number of licence plates on any renewal form of this policy. (

h) On or before the inception date of this policy, the insured shall determine the number of persons employed by him and to which this poli is to be applicable and the insured shall declare the number of such employees so determined on the APV4, which number of employees sh be used to determine the premium to paid for coverage under

Section I Subsection B and

Section 3 Subsection A of this policy. Thereat during the term of this policy or any renewal, the insured shall report to the Corporation whenever the actual total number of employees w hich this policy is applicable varies from the number of employees declared on the APV4 or last previously reported in accordance w this provision, or as shown as an amended declared total number of employees on any renewal form of this policy, such report to be provid within 30 days of the occurrence of such variation. APV4C

(112000) GARAGE AUTOMOBILE POLICY

SECTION 1 - OWNED OR CUSTOMERS' VEHICLES - THIRD PARTY LEGAL LIABILITY, ACCIDENT BENEFITS, FIRST PARTY COVERAGE AND UNDERINSURED MOTORIST PROTECTION RIDER PRESCRIBED PURSUANT TO

SECTION 150 OF THE REVISED REGULATION (19841 UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) APV M Insurance Corporation M of British Columbia (Hereinafter called The Corporation) THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATT/ Insuring Agreements In consideration of the Rating Questionnaire and Declarations which form part of the policy, but only with respect to the Subsection(

s) for whicl premium is specified under

Section 1 of the APV4 and no other, and subject always to the General Provisions,

Definitions and Exclusions of Regulation pursuant to the Insurance (Motor Vehicle) Act, the Corporation agrees: 1. Under Subsection IA of the APV4 to indemnify the Insured in accordance with Regulation

Part 6 for third party legal liability imposed by I upon the Insured, for loss or damage arising from the use or operation of an owned vehicle and to pay benefits in accordance: with

Part 7 Accid Benefits and to compensate the Insured in accordance with

Part 10, First Party Coverage of the Regulation. Provided always that the Corporati shall not be liable under this Subsection; (

a) for legal liability imposed upon any person insured by this policy for bodily injury to or the death of any partner, officer or employee of sr. person while engaged in the business of the named insured, or (

b) for any amount in excess of the limits stated in Subsection IA of the APV4, (

c) for direct loss or damage to an owned vehicle or a customer's vehicle, (

d) for any liability arising out of indirect loss or damage to the customer's vehicle (ether than loss of use), including but not limited to, accelera' depreciation or consequential loss. 2. Under Subsection 1B of the APV4 to indemnify the Insured in accordance with Regulation

Part 6 for third party legal liability imposed by I upon the Insured for loss or damage occurring while the customer's vehicle is in the care, custody, or control of the insured and arising from use or operation of a customer's vehicle and to pay benefits in accordance with

Part 7 Accident Benefits and to compensate the Insured in accordar with

Part 10, First Party Coverage of the Regulation. Provided always that the Corporation shall not be liable under this Subsection; (

a) for any legal liability imposed upon any person insured by this policy for bodily injury to or the death of any partner, officer or employ of such person while engaged in the business of the named insured, or (

b) for any amount in excess of the limits stated in Subsection I B of the APV4, (

c) for direct loss or damage to an owned vehicle, or a customer's vehicle, (

d) for any liability arising out of indirect loss or damage to the customer's vehicle (other than loss of use), including but not limited to, accelera' depreciation or consequential loss. 3. Under Subsection IA and 1B of the APV4,

Section 96 (b)(

i) and

Section 96 (b)(iii) of the Regulation do not apply in respect of an accid , which results in a claim for benefits being made by an occupant of a vehicle insured under this policy.

liP Insurance Corporation II of British Columbia (Hereinafter called The Corporation) GARAGE AUTOMOBILE POLICY

SECTION 3 - LEGAL LIABILITY FOR OWN DAMAGE COVERAGE TO CUSTOMERS' VEHICLES RIDER PRESCRIBED PURSUANT TO

SECTION 150 OF THE REVISED REGULATION 114641 UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) APV4F THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED. Insuring Agreements In consideration of the Rating Questionnaire and Declarations which form part of the policy, but only with respect to the Subsection(

s) for which a premium is specified under

Section 3 of the APV4 and no other, and subject always to the General Provisions,

Definitions and Exclusions of the Regulation, the Corporation agrees: . Under Subsection 3A of the APV4 to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to customers' vehicles caused by collision or upset while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the actual cash value of the customer's vehicle at the time of dart age, not exceeding the actual cost to the Insured, or (

b) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss, or (

c) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of customer's vehicle" set out on form APV4C. 2. Under Subsection 3B of the APV4 to indemnify the Insured, in accordan,:e with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage other than loss or damage to which collision coverage applies, to a customer's vehicle while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the limits stated in Subsection 3B of the APV4, or (

b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any transmission and/or other mechanical damage resultirg while a vehicle is being towed, or (

d) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss or, (

e) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to he by clause (

c) of the definition of "customer's vehicle" set out on form APV4C. 3. Under Subsection 3C of the APV4 to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to a customer's vehicle caused by specified perils while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the limit stated in Subsection 3C of the APV4, or (

b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss, or (

d) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle" set out on form APV4C. (

e) for loss or damage from theft from any open lot or unroofed space owned, rented or controlled by the Insured except for theft of an entire vehicle. 4. The following Insuring Agreement applies to Subsection 3A, 3B or 3C of the APV4. The policy affords own damage coverage to a customer's vehicle for direct loss or damage caused by a vehicle described in paragraph 6 of the "General Provisions,

Definitions and Exclusions" of the policy, except a vehicle that is carried in or upon another vehicle owned or hired by the Insured that is either (

i) designed as a vehicle carrier or (ii) carrying more than two vehicles but this clause does not apply to any customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle" set out on form APV4C.

Deductible Clause Each occurrence causing loss or damage covered under Subsection 3A and 3B of the APV4 shall give rise to a separate claim except that in the case of Subsection 3A, the Corporation's liability shall be limited to the amount of loss or damage in excess of the deductible amount as stated therein, and in the case of Subsection 3B, if the total of the deductible amounts applicable in respect of each vehicle lost or damaged arising from one occurrence totals to an amount that is more than the deductible specified in Subsection 3B of the APV4 as applicable to each occurrence causing loss or damage to more than one vehicle, the Corporation shall be liable for the amount by which the total loss or damage arising from one occurrence exceeds the deductible amount spec) tied as applicable to loss or damage to more than one vehicle caused by a single occurrence.

Furthermore no deductible amount shall be applicable to any loss or damage caused by a peril specified in the definition of Specified Perils Coverage in

Part 1(1) of the Regulation. Agreement of insured The Insured agrees that in the event of loss or damage for which indemnity is provided by this Rider the Insured, if so required by the Corporation, will replace the property or make the necessary repairs at the actual cost to the Insured.

$ $ GARAGE NON-OWNED AUTOMOBILE POLICY PRESCRIBED PURSUANT TO

SECTION 150 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE I MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) Insurance Corporatio of British Columbia (Hereinafter called The Corp The aopficant (hereinafter called the insured) applies to the Corporation for a Garage Non-Owned Automobile Policy (hereinafter called the policy), and this application along with the Rating Questionnaire and declarations shall form part of the policy, which shall be as follows: TRANSACTION NUMBERS BUSINESS FUNCTIONS II 420 I - 1 450 NEW I NEW I RENEW ri 1 AMEND NAME El 2 AMEND ADDRESS Ei 3 OTHER EFFECTIVE DATE OF POLICY DAY MONTH YEAR EXPIRY DATE DAY MONTH YEAR FLEET NUMBER POLICY NUMBER UNE NO APV11 AUTHORIZATION NUMBER NAME OF INSURED (MUST BE FULL NAME OF LEGAL ENTITY) AGENTS NUMBE NATIONAL SAFETY CODE NUMBER ADDRESS OF INSURED LBC DRIVER'S LICENCE NUMBER NUMBER AND P OF EMPLOYEE NUMBER OF NSUREDS CLA1 CITY PREVIOUS NAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) PROVINCE I POSTAL CODE CLAL TERM BUSINESS CODE TOTAL NUMBER OF EMPLOYEES CLAL EMPLO In respect to those sections and subsection(

s) for which a premium is specified below, the Corpoiroon shall be liable in accordance with the insuring agreements contained on the reverse ol this policy and pursuant to the applicable pans of the Regulation but subject always to the general provisions, Jelinitions, and exclusions contained on the reverse of this policy and the limits of liability and deductible amounts set out below: lie Insured's business Is COVERAGES LIMITS/DEDUCTIBLES

SECTION CUSTOMERS VEHICLES I HIRD PARTY LEGAL LIABILITY (PART RI ACCIDENT BENEF ITS (PART D AND FIRST PARTY COVERAGE INCLUDING UNDERINSURED MOTORIST PROTECTION (PART 101 ANNUAL PREMIUMS.. LIMIT OF LIABILITY 0 0 0 0 0 $ SUBSECTION A COLLISION OR UPSET ITT CUSTOMERS'VEHICLES LIMIT ALL LOCATIONS ICBC/AGENTS COMMENTS WARNING Coverage under

Section 3 of this policy is subjec a coinsurance clause pursuant to

section 150 It the Regulation and is also subject to the deductil clause printed on the back of this policy. This policy is subject to a forfeiture clause and cancellation clause printed on the front of this pc DEDUC PER VERICLE SUBSECTION 8 COMPREHENSIVE TO CUSTOMERS' VEHICLES 0 0 0 DEDIIC PER OCCURR $ LIMIT ALL OCA IONS $ SUBSECTION C SPECIFIED PERILS TO CUSTOMERS' VEHICLES ENDORSEMENTS By signing this application, the insured acknowledges all the terms and conditions contained on both the front and back sides hereof and declares Thal the forego' • particulars are true, and whore (

a) the insured In this application gives false particulars to the prejudice of the Corporation or knowingly misrepresents or fails to disclose in this application any fact required to be stated herein, or (

b) the insured contravenes a term or condition of the policy of insurance hereby applied for or the Regulation or commits a fraud, or (

c) the Insured willfully makes a false statement in respect of a claim under the policy of insurance hereby applied for or the Regulation, any claim by the Insured under the said policy is invalid and the right of the Insured to recover indemnity thereunder is forfeited (and in addition or as an alternative, where appropriate and applicable, the Corporation may cancel the said policy pursuant to

Section 58 of the Regulation.) SCNAL UHF OF NSURE 0 SIGNATURE OF AGENT APV11

(112000) TO TAL ANNUAL PiTaltIM $ RI (1PIAN MSC FIFITRAN OICOUNT SUI4CIFE SUMCkAR4F e/ % $ re _IL TCTAL ANN. NET PP 'QM $ ORAT9) PITEML MINIMUM A!..10 RETAINED PREMIUM $50

IN WITNESS WHEREOF, THE. CORPORATION HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE OFFICER, BUT THE SAME SHALL NOT BE BINDING UNTIL VALIDATED AND SIGNED BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION. Thom Thompson PRESIDENT AND CHIEF EXEC LITIVE OFFICER INSURANCE CORPORATION OF BRITISH COLUMBIA CASH $ CIIE DUE $ —1 DEBIT,CREDIT $

SECTION 3 LEGAL LIABILITY FOR OWN DAMAGE COVERAGE TO CUSTOMERS' VEHICLES (PART 9 DIVISION 2)

SECTION 2 NON PREMIUM ENDORSEMENTS APV APV NOT APPLICABLE TO THIS POLICY DEDUC PER VEHICLE 0 0 0 PRAM lUITAIDOR LIME NTS APV TIME OF VALIDATION NOT VALII UNLESS STAN BY AUTHORIZE ISSUING OFF

INSURING AGREEMENTS

SECTION 1 • CUSTOMERS' VEHICLES THIRD PARTY LEGAL LIABILITY, ACCIDENT BENEFITS, FIRST PARTY COVERAGE AND UNDERINSURED MOTORIST PROTECTION The Corporation agrees to indemnify the Insured in accordance with Regulation

Part 6 for third party legal liability imposed by law upon the Insured for loss or damage OcCuring while the customers vehicle is in the care, custody, or control of the insured and arising from the use or operation of a customers vehicle and to pay benefits in accordance with

Part 7 Accident Benefits and to compensate the Insured in accordance with

Part 10, First Party Coverage of the Regulation. Special Terms, Conditions, and Limitations of

Section 1 1 The Corporation shall not be liable under this section: (

a) for any legal liability imposed upon any person insured by this policy for bodily injury to or the death of any partner, officer or employee of such person while engaged in the business of the named insured, or (

b) for any amount in excess of the limn stated in

Section 1 of the policy, or (

c) for direct loss or damage to a customer's vehicle, or (

d) for any liability arising out of indirect loss or damage to the customer's vehicle (other than loss of use), including but not limited to accelerated depreciation or consequential loss. 2

Section 96 (b)(1) and

section 96 (b)(iii) of the Regulation do not apply in respect of an accident which results in a claim for benefits being made by an occupant of a customer's vehicle insured under

Section 1 of this policy.

SECTION 2 • NOT APPLICABLE TO THIS POLICY

SECTION 3 - LEGAL LIABILITY FOR OWN DAMAGE COVERAGE TO CUSTOMERS' VEHICLES Subsection A Collision or Upset to Customers' Vehicles The Corporation agrees to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to customers' vehicles caused by collision or upset while in the care, custody or control of the Insured. Special Terms, Conditions, and Limitations of

Section 3, Subsection A The Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the actual cash value of the customer's vehicle at tare time of damage, not exceeding the actual cost to the Insured, or (

b) for any loss arising out of indirect loss or damage (other than loss of use), including but not limited to am lerated depreciation or consequential loss, or (

c) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle.' Subsection B Comprehensive to Customers' Vehicles The Corporation agrees to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage other than loss or damage to which collision coverage applies, to customers' vehicles while in the care, custody or control of the Insured. Special Terms, Conditions, and Limitations of

Section 3, Subsection B The Corporation shall not be liable under this Subsection. (

a) for any amount in excess of the limits stated in

Section 3 Subsection B of the policy, or (

b) for any amount in excess of the actual cash value of the customer's vehicle at the lime of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any transmission and/or other mechanical damage resulting while a customer's vehicle is being towed, or (

d) for any loss arising out of indirect loss or damage (other than loss of use), including but not limited to accelerated depreciation or consequential loss, or (

e) for any direct or indirect loss or damage causu d to a customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle.• Subsection C Specified Perils to Customers' Vehicles The Corporation agrees to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to customers' vehicles caused by specified perils while in the care, custody c) , control of the Insured. Special Terms, Conditions, and Limitations of

Section 3, Subsection C The Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the limit stated in

Section 3 Subsection C of this policy, or (

b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any loss arising out of indirect loss or damage (other than loss of use), including but not limited to accelerated depreciation or consequential loss, or (

d) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by Clause (

c) of the definition of "customer's vehicle,' or (

e) for loss or damage from theft from any open lot or unroofed space owned, rented or controlled by the Insured except for theft of an entire customer's vehicle. GENERAL PROVISIONS,

DEFINITIONS AND EXCLUSIONS 1. Additional insureds The Corporation agrees to indemnify in the same manner and to the same extent as if named herein as the named insured (

a) Under Sections 1 and 3 of the policy, in respect of a vehicle not owned by or leased to the named insured or such additional insured (

i) every partner, officer or employee of the named insured engaged in the business described 'n the policy, while personally driving in such business and with the Consent of the named insured, and (ii) every partner or officer of the named insured while personalty driving a customer's vehicle, provided that such use is occasional. (

s) Under

Section 1 of the policy only, in respect of a vehicle not owned by or leased to the named insured or such additional insured: (

i) the named insured or a partner or officer of the named insured and a member of his or her household while personally driving any motor vehicle. 2. Consent of Insured No person shall be entitled to indemnity or payment under the policy who operates any customer's vehicle without the consent of the named insured, or who is an occupant of any customer's vehicle which is being used without the consent of the owner thereof, or without the consent, express or implied, of the named insured. 3.

Personnel of other Garages excluded No person who is engaged in the business of selling, repairing, maintaining, storing, or parking customers' vehicles in the course of such business or while so engaged or while an occupant of such a customer's vehicle, unless the person is the named insured or an additional insured. shall be entitled to indemnity or payment under the policy for any loss, damage, injury or death sustained while engaged in the use or operation of or while working upor the customer's vehicle. 4.

Audit The Corporation, through any authorized representative and at any reasonable times during the term of or any renewal of this policy, may inspect the insured's records relating to the value of Customers' vehicles and the number of persons employed by the insured. 5. Customer's Vehicle defined "customer's vehicle" (

a) means a vehicle owned by another or a camper owned by another (

i) while sucn vehicle is being towed by, carried on, or pushed by a vehicle driven by the named insured or his partner, officer or employee, or (ii) while in the care, custody or control of the insured in the business as stated on the front of this policy, for testing, repair, maintenance, servicing, storage, or parking, or (iii) while held for sale on consignment, but shall not Include a vehicle (

A) owned or leased by the named Insured or his partner or officer or (

B) sold by the named Insured but not delivered by him to the purchaser thereof. (

h) Notwithstanding Sections 43(1) and 44(1) of the Insurance (Motor Vehicle) Act and Sections 2 and 114 of the Regulation, a customer's vehicle includes a vehicle owned by another that is excluded from the Act and Regulation where the operation, possession or title to the excluded vehicle also complies with Clause (a), (

b) and (

c) of the definition of a customer's vehicle. (

c) For the purpose only of this policy, a vehicle that is not owned by the insured shall be deemed to be a customer's vehicle where the insured may be or is vicariously liable to another, (excepting only the owner of the non-owned vehicle) because of the use or operation of such a non-owned vehicle by an agent or servant of the insured in the course of their employment by ar agency Iv the insured. 6. Other Insurance The policy is subject to the other insurance provisions of the Regulation. 7.

Material Change in Risk The insured named in the policy shall promptly notify the Corporation in writing of any change in the risk material to the policy and within his knowledge. 8. Additional Agreements It is a condition of the insurance provided by this policy that every person insured by the policy shall pay or reimburse the Corporation, upon demand, any amount which the Corporation has paid by reason of the provisions of any statute relating to automobile insurance and which the Corporation would not otherwise be liable to pay under the policy. 9.

Reporting On or before the inception date of this policy, the insured shall determine the number of persons employed by him and to which this policy is to be applicable and the insured shall declare the number of such employees so determined on the policy, which number of employees shall be used to determine the premium to be paid for coverage under

Section 1 and

Section 3 Subsection A of this policy. Thereafter during the term of this policy or any renewal, the insured shall report to the Corporation whenever the actual total number of employees to which this policy is applicable varies from the number of employees declared on the policy or last previously reported in accordance with this provision, or as shown as an amended declared total number of employees on any renewal form of this policy, such report to be provided within 30 days of the occurrence of such variation. 10.

Agreement of insured The Insured agrees that in the event of loss or damage for which indemnity is provided by this policy, the Insured, if so required by the Corporation, will replace the properly or make the necessary repairs at the actual cost to the Insured. 11. Exclusion No coverage is afforded under

Section 3 to a customer's vehicle that is carried in or upon another vehicle owned or sired by the Insured that is either (1) designed as a vehicle carrier or (ii) carrying more than two vehicles but this clause does not apply to any customer's vehicle deemed so to be by clause (

c) of the definition of 'customer's vehicle.' 12.

Deductible Clause Each occurrence causing loss or damage covered under Subsection 3A and 3B of this policy shall give rise to a separate claim except that in the case of Subsection 3A, the Corporation's liability shall be limited to the amount of toss or damage in excess of the deductible amount as stated therein, and in the case of Subsection 3B, if the total of the deductible amounts applicable in respect of each customer's vehicle lost or damaged arising from one occurrence totals to an amount that is more than the deductible specified in Subsection 3B of this policy as applicable to each occurrence causing loss or damage to more than one customer's vehicle, the Corporation shall be liable for the amount by which the total loss or damage arising from one occurrence exceeds the deductible amount specified as applicable to loss or damage to mere than one customer's vehicle caused by a single occurrence.

Furthermore, no deductible amount shall be applicable to any loss or damage caused by a peril specified in the definition of Specified Perils Coverage in

Part 1(1) of the Regulation.

P :121Insurance Corporation 4 of British Columbia (Hereinafter called The Corporation) TEMPORARY OPERATION PERMIT AND OWNER'S CERTIFICATE OF INSURANCE To the Insurance Corporation of British Columbia: In consideration of the fee and premium paid to the Corporation for issuance of this Temporary Operation Permit and Owner's Certificate of Insurance (both of which are hereinafter collectively called the "Certificate"), application is being made for the Certificate and the Certificate is being issued, in accordance with the information contained herein and pursuant to the Insurance (Motor Vehicle) Act, the Motor Vehicle Act, the Commercial Transport Act and their respective Regulation(s), 1. authorizing the owner of the vehicle described in this Certificate (hereinafter called the "described vehicle"), the holder of this Certificate or a person who drives or operates the described vehicle with the consent of the owner to use or operate the described vet isle in British Columbia or in such other province or territory in Canada or state in the United States of America that accepts this Certificate as valid, and so long as the use or operation of the described vehicle is in accordance with the following terms and conditions: (a, this Certificate expires at the end of the day on the date of expiry shown on the Certificate, but in eo event is this Certificate valid for more than 15 days inclusive of the effective date shown; (

b) this Certificate is not valid for the purpose of transfer of registered ownership; (

c) the operator is the holder of a valid driver's licence; (

d) where the described vehicle is a loaded commercial vehicle, in excess of 5,000 kg GVW, this Certificate is valid only while the described vehicle is operated in the province and in accordance with any other restrictions shown on this Certificate, and also in accordance with the following conditions: (

i) the load is a single load, and (ii) the trip is only a one-way trip from point to point in the province with nc pick-uo or drop-off of a load or partial load permitted en route, and (

e) when this Certificate is issued in accordance with the provisions of

section 14.04 of the Motor Vehicle Act Regulations, it is valid only while the described vehicle is operated in the province from the place of residence of the owner or a garage or other place of repair to an inspection facility and return, and 2. insuring the described vehicle while being lawfully operated in accordance with the validated Certificate, and such insurance is afforded for the term hereof and as indicated in this Certificate, but subject to the terms and conditions set out above arid the following terms and conditions: (a) "insured' means the owner of the described vehicle, the applicant for this Certificate, and any authorized and qualified driver who operates the described vehicle with the owner's permission and consent, but this definition shall not apply to alter any definition of that word as it appears in each part of the Revised Regulation (1984) pursuant to the Insurance (Motor Vehicle) Act (hereinafter called the "Regulation") where applicable to the insurance afforded to the described vehicle by this Certificate, (

b) for the duration of the Certificate, the Corporation provides basic insurance to the insured pursuant to the Regulation

Part 6 Third Party Legal Liability, Regulation

Part 7 Accident Benefits and Regulation

Part 10 First Party Coverage; Third Party Legal Liability Extension Insurance pursuant to Regulation

Part 9 Division 1

Section 109 is afforded up to a limit of one million dollars, OR, if purchased, up to a iimit of five million dollars. Own Damage Coverage under Regulation

Part 9 Division 2, if purchased, is afforded subject to the limits arei deductibles set out in this Certificate for the type of vehicle indicated and for which a premium is specified and paid, and the equipment of such vealicles shall be covered to the following extent: with respect to all private passenger vehicles and commercial vehicles with a GVW of 5,000 kg or less,

Section 122(1) of tne Regulation will apply to cover equipment specified in Column 1 of the Table in

Schedule 3.1, except that the limit of $1.000 for nonimanufacturer's permanently attached or shuttle-mounted sound and communication equipment specified in item 3 and the $5,000 limit for other non-manufacturer's permanently attached equipment (including custom paint) specified in item 17 will be waived and shall not be subject to a value limitation. (.1) with respect to all comn...ecial vehicles over 5,000 kg GVW, commercial trailers, motorcycles, utility trailers and industrial machines,

Section 122(2) of the Regulation will apply to cover equipment specified in Column 2 of the Table in

Schedule 3.1. (vi) with respect to recreational vehicles, including motorhomes, custom vehicles and motor vehicles with attached campers,

Section 122(3) of the Regulation will apply to cover equipment specified in Column 3 of the Table in

Schedule 3.1. Where a motor vehicle is being operated with a camper attached to it, the combination shall be considered to be a single unit and shall be deemed to be one vehicle in respect to coverages provided by this Certificate; however, no covera ;e is provided to the camper when it is detached from the motor vehicle. (

c) Notwithstanding the provisions of Conditions 2(

a) and 2(

b) above, the Corporation shall not indemnify the insured for damage to the described vehicle where, pursuant to

Section 114 of toe Regulation, the insurance of the described vehicle is excluded and exempted from the operation and provision of

Part 9 Division 2 of the Regulation. (

d) If any other valid and subsisting insurance is in force and applicable to the described vehicle, such other valid and subsisting insurance is primary insurance, and any insurance afforded oy this Certificate is excess insurance to such prtmary insurance. (

e) If a financial responsibility number, a British Columbia licence plate number, a Binder for Owner's Interim Certificate of Insurance number or a Special Autoplan Policy number is shown on this Certificate, the insurance provided by this Certificate is void. (

f) Where the applicant shown on this Certificate is not the owner of the described vehicle, the information provided by the applicant is deemed to be information given by the owner of the described vehicle and is binding on the owner. (

g) Except as otherwise provided in this Certificate, all limits, terms, conditions, provisions,

definitions and exclusions of the Regulation shall apply with full force anu effect to this Certificate.

When validated, and so long as the described vehicle is operated in accordance with the terms and conditions set out herein, this Certificate is in force for the period shown on this Certificate, pursuant to the Motor Vehicle Act, Commercial Transport Act, and the Insurance (Motor Vehicle) Act, and their respective Regulation(s), or, to the extent authorized by any other province and territory of Canada cr rtate of the United States of America, pursuant to the applicable legislation respecting licensing and insuring of the described vehicle in that other province, territory or state.

Thom Thompson PRESIDENT AND CHIEF EXECUTIVE OFFICER APV16LL 1120001 INSURANCE CORPORATION OF BRITISH COLUMBIA

F i Insurance Corporation of British Columbia (Hereinafter called The Corporation) GARAGE AUTOMOBILE POLICY

SECTION 2 - OWN DAMAGE COVERAGE TO INSURED'S OWNED VEHICLES RIDER PRESCRIBED PURSUANT TO

SECTION 15 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) APV4E THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED Limits of Liability Clause The coverages provided by

Section 2, 3 or 4 on the reverse of this rider arc subject to the following Limits of Liability at each specified location. SPECIFIED LOCATIONS WHICH ARE ALL THE LOCATIONS USED BY THE INSURED IN THE CONDUCT OF THE BUSINESS DESCRIBED IN THE APV4 BUILDING OR OPEN LOT LIMIT OF LIABILITY AT SUCH SPECIFIED LOCATION (A) (B) (C) (D) (E) (F) (G) (H) (I) (

J) Limits and Amount Clause The coverage provided by this Rider is limited to the amounts and deductibles as set out in

Section 2 on the lace of the APV4 and to the payment of the least of the following: I . In respect of each vehicle, the amount payable is limited to the actual cash value at the time of loss or damage which amount shall not exceed the actual cost of the vehicle to the Insured, or The limit of insurance stated herein to be applicable to each location for loss or damage caused by any one occurrence at each specified location, or 3.

If the loss or damage occurs at an unspecified location, the amount of loss or damage shall he limited to not more than four of the insured vehicles of any value, but the limit of four vehicles does not apply to loss or damage that occurs whilst the vehicles are in transit. Lienholder or Mortgage Clause Name and address of Lienholder to whom, jointly with the Insured, loss, if any, is payable as their interest may appear. Deductible Clove The Corporation shall he liable in

Section 2 only for the amount by which loss or damage caused by any of the perils insured by this Rider exceeds the deductible amount shown on the face of the APV 4 and applicable in respect of each vehicle lost or damaged, but if the total of the deductible amounts applicable in respect of each vehicle lost or damaged arising from one occurrence totals to an amount that is more than the deductible amount specified on the face of the APV4 as applicable to each occurrence causing loss or damage to more than one vehicle, the Corporation shall he liable for the amount by which the total loss or damage arising from one occurrence exceeds the deductible amount specified as applicable to loss or damage to more than one vehicle caused by a single occurrence.

Agreement of Insured The Insured agrees that in the event of loss or damage for which indemnity is provided by this Rider, the Insured shall, if so requested by the Corporation, replace the property or make the necessary repairs at the actual cost to the Insured of such replacement or repair, in which event, indemnity paid by the Corporation shall only be for the amount of the actual cost to the Insured of such replacement or repair.

Co -Insurance Clause The Insured shall maintain insurance under this Rider on the vehicles hereby insured, at each specified location, to the extent of at least 80% of the actual cash value thereof, and upon failing so to do, the Insured shall be a co-insurer to the extent of an amount sufficient to make the aggregate insurance at the time of loss or damage equal to 80% of the actual cash value of such vehicles and in that capacity the Insured shall bear such proportion of any loss or damage that may occur.

I f the Insured requests and the Corporation accepts any increase or reduction in the Limit of Liability at any specified location, such increase or reduction shall be endorsed hereon and the additional or return premium therefor shall be prorated. lithe Insured requests and the Corporation provides insurance on vehicles stored in additional locations, each such additional location, the Limit of Liability applicable to it and the premium to be charged for such insurance, shall be endorsed on the policy. Such insurance in each case shall be effective from the date shown on the endorsement. PV4E 0120001

Insuring Agreements In consideration of the rating questionnaire and declarations which form part of the policy, but only with respect to the Subsection(

s) for whic premium is specified under

Section 2 of the APV4 and no other, and subject always to the General Provisions,

Definitions and Exclusions of Regulation, the Corporation agrees: (

I) Under Subsection 2A of the APV4 to indemnify the Insured, in accordance with Div. 2 of Regulation

Part 9, Own Damage, for direct loss damage to any owned vehicle, caused solely by collision. Provided always that the Corporation shall not be liable under this Subsection for loss or damage to an owned vehicle:

a) from fire, however caused, or

b) occurring after theft of the vehicle and before recovery by the Insured, or

c) sold by the Insured and in the possession of a purchaser whether under any partial payment plan or otherwise, or

d) while in the course of manufacture, or

e) that is otherwise specifically insured, or that is consigned to the Insured and to which other insurance is applicable, or to a custom , vehicle.

(2) Under Subsection 2B of the APV4 to indemnify the Insured, in accordance with Div. 2 of Regulation

Part 9, Own Damage, for direct loss damage other than loss or damage to which collision coverage applies, to any owned vehicle. Provided always that the Corporation shall not be liable under this Subsection for loss or damage to an owned vehicle:

a) caused by collision of the owned vehicle with a vehicle to which it is attached, or

b) held for sale by the Insured that is also insured by any other policy or certificate of insurance against loss or damage caused by any pi mentioned in Subsection 2B of the APV4 and which by such other policy the loss, if any, is payable jointly to the Insured hereunder to any individual, partnership or corporation as a lienholder or mortgagee, against the vehicle, or

c) if the vehicle is a motorcycle, that is stored or displayed outside any building on the described premises during the hours when the descrit premises are closed for business and where the loss or damage arises out of theft, vandiaism, malicious mischief or windstorm, or

d) while in the course of manufacture, or

e) that is otherwise specifically insured, or that is consigned to the Insured and to which other insurance is applicable or to a custom vehicle.

(3) Under Subsection 2C of the APV4 to indemnify the Insured, in accordance with Div. 2 of Regulation

Part 9, Own Damage, for direct loss damage to any owned vehicle caused solely by specified perils. Provided always that the Corporation shall not be liable under this Subsection for loss or damage to an owned vehicle:

a) caused by collision of the owned vehicle with a vehicle to which it is attached, or 1)) held for sale by the Insured that is also insured by any other policy or certificate of insurance against loss or damage caused by any pi mentioned in Subsection 2C of the APV4 and where by such other policy the loss, if any, is payable jointly to the insured hereunder any any individual, partnership or corporation as a lienholder or mortgagee, against the vehicle, or

c) from theft from any open lot or unroofed space owned, rented or controlled by the Insured except the theft of an entire vehicle, or

d) if the vehicle is a motorcycle, that is stored or displayed outside any building on the described premises during the hours when the descrit premises arc closed for business and where the loss or damage arises out of theft, or windstorm, or

e) while in the course of manufacture, or

f) that is otherwise specifically insured, or that is consigned to the Insured and to which other insurance is applicable or to a custom vehicle.

(4) Under Subsection 2D of the APV4 to indemnify the Insured, in accordance with Div. 2 of Regulation

Part 9, Own Damage, for direct loss damage to any owned vehicle caused solely by specified perils excluding theft. Provided always that the Corporation shall not be liable under this Subsection for loss or damage to an owned vehicle:

a) caused by collision of the owned vehicle with a vehicle to which it is attached, or

b) held for sale by the Insured that is also insured by any other policy or certificate of insurance against loss or damage caused by any pi mentioned in Subsection 2D of the APV4 and where by such other policy, the loss, if any, is payable jointly to the Insured and to individual, partnership or corporation as a lienholder or mortgagee, against the vehicle, or

c) iithe vehicle is a motorcycle, that is stored or displayed outside any building on the described premises during the hours when the descrit premises are closed for business and where the loss or damage arises out of windstorm, or

d) occurring after theft of the vehicle and before recovery of the vehicle by the Insured, or

e) while in the course of manufacture, or

f) that is otherwise specifically insured, or that is consigned to the Insured and to which other insurance is applicable or to a custom , vehicle.

(5) The following Insuring Agreement applies to Subsection 2A, 2B, 2C or 2D of the APV4. The Policy affords Own Damage Coverage to an owned vehicle for loss or damage caused by an excluded vehicle described in paragraph the attached (APV4C) but this Insuring Agreement does not waive the exclusion in Insuring Agreement (1)(

d) above. 1PV4E

(112000) F 21Insurance Corporation i of British Columbia (Hereinafter called The Corporation) GARAGE AUTOMOBILE POLICY

SECTION 3 - LEGAL LIABILITY FOR OWN DAMAGE COVERAGE TO CUSTOMERS' VEHICLES RIDER PRESCRIBED PURSUANT TO

SECTION 150 OF THE REVISED REGULATION 119841 UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) APV4F THIS RIDER FORMS PART OF THE POLICY TO WHICH IT IS ATTACHED. Insuring Agreements In consideration of the Rating Questionnaire and Declarations which form part of the policy, but only with respect to the Subsection(

s) for which a premium is specified under

Section 3 of the APV4 and no other, and subject always to the General Provisions,

Definitions and Exclusions of the Regulation, the Corporation agrees: I. Under Subsection 3A of the APV4 to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to customers' vehicles caused by collision or upset while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable tinder this Subsection: (

a) for any amount in excess of the actual cash value of the customer's vehicle at the time of damage, not exceeding the actual cost to the Insured, or (

b) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss, or (

c) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle" set out on form APV4C. 2. Under Subsection 3B of the APV4 to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage other than loss or damage to which collision coverage applies, to a customer's vehicle while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the limits stated in Subsection 3B of the APV4. o: (

h) for any amount in excess of the actual cash value of the customer's vehicle a: the timc of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any transmission and/or other mechanical damage resulting while a 'chicle is beir,p, towed, or (

d) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss or, (

e) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle" set out on Ibrm APV4C. Under Subsection 3C of the APV4 to indemnify the Insured, in accordance with

Part 9, Div. 2, Own Damage, of the Regulation for liability for direct loss or damage to a customer's vehicle caused by specified perils while in the care, custody or control of the Insured. Provided always that the Corporation shall not be liable under this Subsection: (

a) for any amount in excess of the limit stated in Subsection 3C of the APV4, or (

b) for any amount in excess of the actual cash value of the customer's vehicle at the time of loss or damage, not exceeding the actual cost to the Insured, or (

c) for any loss arising out of indirect loss or damage (other than loss of use) including but not limited to accelerated depreciation or consequential loss, or (

d) for any direct or indirect loss or damage caused to a customer's vehicle deemed so to be by clause (

c) of the definition of "cuswtner's vehicle" set out on form APV4C. (

e) for loss or damage from theft from any open lot or unroofed space owned, rented or controlled by the Insured except for theft of an entire vehicle. 4. The following Insuring Agreement applies to Subsection 3A, 313 or 3C of the APV4. The policy affords own damage coverage to a customer's vehicle for direct loss or damage caused by a vehicle described in paragraph 6 of the "General Provisions,

Definitions and Exclusions" of the policy, except a vehicle that is carried in or upon another vehicle owned or hired by the Insured that is either (

i) designed as a vehicle carrier or (ii) carrying more than two vehicles but this el“use does not apply to any customer's vehicle deemed so to be by clause (

c) of the definition of "customer's vehicle" set out on form APV4C.

Deductible Clause Each occurrence causing loss or damage covered under Subsection 3A and 313 of the APV4 shall give rise to a separate claim except that in the case of Subsection 3A, the Corporation's liability shall be limited to the amount of loss or damage in excess of the deductible amount as stated therein, and in the case of Subsection 3B, if the total of the deductible amounts applicable in respect of each vehicle lost or damaged arising from one occurrence totals to an amount that is more than the deductible specified in Subsection 3B of the APV4 as applicable to each occurrence causing loss or damage to more than one vehicle, the Corporation shall be liable for the amount by which the total loss or damage arising from one occurrence exceeds the deductible amount specified as applicable to loss or damage to more than one vehicle caused by a single occurrence.

Furthermore no deductible amount shall he applicable to any loss or damage caused by a peril specified in the definition of Specified Perils Coverage in

Part 1(1) of the Regulation. Agreement of Insured The Insured agrees that in the event of loss or damage for which indemnity is provided by this Rider the Insured, if so required by the Corporation, will replace the property or make the necessary repairs at the actual cost to the Insured. PV4F

(112000) L PLATE NUMBER j EXPIRY DATE DAY MONTH YEAR NUMBER OF INSUREDS UNE NO. APV4( AUTHORIZATION NUMBER ENDORSEMENT NUMBER BC DRIVERS LICENCE NUMBER NAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) ADDRESS OF INSURED i I I I i i I i I I 1 I t _L. i 1 . Try PROVINCE POSTAL CODE FLEET NUMBER EFFECTIVE DATE DAY MONTH YEAR ICBC / AGENTS COMMENTS NATIONAL SAFETY CODE NUMBER WARNING I. A certificate is invalid if issued for a vehicle that is not required to be licenced under the Motor Vehicle Act (Insurance (Motor Vehicle) Act,

Sec. 37). 2. A certificate is deemed invalid as coon as the vehicle is registered and licenced in another kirovince or state (Insurance (Motor Vehicle) Act,

Sec. 37). 3. Use of the vehicle by persons or for purposes not permitted by the Insurance (Motor Vehicle) Act and Regulation or by the rate class slims n on the certificate may invalidate the certificate (Regulation). TOTAL PREMIUM] MINIMUM AND RETAINED PREMIUM $15 TEMPORARY CHANGE ENDORSEMENT (TO A HIGHER RATING CLASSIFICATION AND/OR TERRITORY) PRESCRIBED PURSUANT TO

SECTION 153 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE ( MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) Insurance Corporation of British Columbia (Hereinafter called The Corporatiol CONSIDERATION OF THE PREMIUM PAID FOR THIS ENDORSEMENT, THE OWNER OR DRIVER OF THE VEHICLE DESCRIBED IN THE OWNER'S CERTIFICATE OF INSURANC ) WHICH THIS ENDORSEMENT APPLIES IS PERMITTED TO OPERATE THE VEHICLE TEMPORARILY FOR A PERIOD NOT EXCEEDING 3 CONSECUTIVE MONTHS FOR THE US JD/OR IN THE TERRITORY SET OUT HEREAFTER AND ACCORDING TO THE TERMS OF THIS ENDORSEMENT. NORMAL TEMPORARY ERR (01( CLASSE ITERR RATE CLASS CODE TEMP.

RATE CLASS (USE) CRITERIA AND/OR TERRITORY TOTAL NO. OF TRIPS FOR DURATION OF ENDORSEMENT MAXIMUM NO.

OF DAYS FOR ALL TRIPS FOR DURATIONOF ENDORSEMENT OVERAGE ON OWNE AS CERTIFICATE OF INSURANCE LIMIT OF LIABILITY ANNUAL PREMIUM FOR NORMAL USE I TERRITORY ANNUAL PREMIUM FOR TEMPORARY USE / TERRITORY BASIC • THIRD PARTY LEGAL LIABILITY (PART 6) ACCIDENT BENEFITS (PART 7) .INDERINSURED MOTORIST PROTECTION (PART 10, DIVISION 2) $ , 0 0' 0 0 0 NET PREMIUMS (YOUR COST) $ NET PREMIUMS (YOUR COST) $ 9 EXTENSION • THIRD PARTY LEGAL LIABILITY(PART 9, DIVISION 1) $ 0 0 , 0 0 0 .. $ / $ OWN DAMAGE DECLARED VALUE $ A GP COLLISION DEDUCTIBLE 1 $ 9 $ , I (PART e DIVISION 2) SPECIFIED PERILS DED. $ G COMPREHENSIVE DED. $ 9 $ 9 $ I LOSS OF USE (PART 9.

DIVISION 2) LIMIT PER DAY $ TOTAL LIMIT $ 0 0 i $ 3 $ 5 REPLACEMENT COST (APV2B6A) MODEL YEAR CO L L $ $ 1_ $ I ROAOSTAR PACKAGE $ 8 le S/P 3 $ 9 ROADSTAR PACKAGE $ LIMITED DEPRECIATION (APV297A) IDICATE DISCOUNT / SURCHARGE AS SHOWN ON ORIGINAL INSURANCE DOCUMENT ANNUAL NET PREMIUM FOR NORMAL USE/TERRITORY $ 3 ANNUAL NET PREMIUM FOR TEMPORARY USE/TERRITORY $ 1 CLAIM-RATED SCALE OR FLEETPLAN CALCULATION DISCOUNT % SURCHARGE % ANN NET PREMIUM ANN NET REMIUM TOT. FOR TEMPORARY USE — FOR NORMAL use = TERRITORY TERRITORY PREM (WE TOT ANN PREM.

OWE $ 9 DISABILITY DISCOUNT ' LI NH ADDITIONAL SAVINGS Y 0 NDY(ij ANTI THEFT DEVICE DISCOUNT ND PREMIUM FOR PER100 OF COVERAGE • 10%0Fk TOTAL ANNUAL PREMIUM DIFFERENCE PER MONTHLY PREMIUM $ s, A X A MONTHS OF COVERAGE MONTH OR PART THEREOF r CPT AS OTHERWISE PROVIDED IN THIS ENDORSEMENT, ALL LIMITS. PREMIUM FOR PERIOD OF COVERAGE • 1%0F HMS, CONDITIONS, PROVISIONS,

DEFINITIONS AND EXCLUSIO IS OF THE TOTAL ANNUAL PREMIUM DIFFERENCE PER DAY GULATION SHALL HAVE FULL FORCE AND EFFECT. OF TRIP DURATION PER DIEM. PREMIUM $ NUMBER Of DAYS HEN VALIDATED AND SIGNED BY AN AUTHORIZED AGENT THIS IDORSEMENT CONFIRMS INSURANCE COVERAGE IS IN FORCE ACCORDING I THE TERMS AND CONDITIONS OF THE ENDORSEMENT AND PURSUANT TO IL INSURANCE (MOTOR VEHICLE) ACT AND REGULATION. Thom Thompson NOTE: FOR THE PURPOSE OF PREMIUM CALCULATION ONE DAY MEANS ANY 24 HOUR PERIOD.

Cash $ Cheque PRESIDENT AND CHIEF EXECUTIVE OFFICER NOT VALID vSURANCE CORPORATION OF BRITISH COLUMBIA Debit/Credit $ UNLESS STAMPED TIME OF VALIDATION BY A.M. AUTHORIZED P.M. ISSUING OFFICE IGNATURE OF INSURED SIGNATURE OF AGENT PV40 (1120001

Special Terms, Conditions and Exclusions 1. When the vehicle is in operation, it must be used off highway only and only for pleasure purposes. When the vehicle is not in operation, insurance coverage under this policy applies only when the vehicle is on consignment or in storage on private property. 2. (

a) When the vehicle is operated, insurance coverage under this policy applies only when the vehicle is operated by a person: (

i) who is sixteen years of age or older, and (ii) who holds a valid driver's licence as set out in the Motor Vehicle Act for the type of vehicle being operated. (

b) Insu ante coverage under this policy also applies where a person without a valid driver's licence (except while that driver's licence is under suspension or has been cancelled or ordered suspended or cancelled by operation of law, or has been surrendered to the Corporation or the Superintendent of Motor Vehicles) drives either a motorcycle with an engine capacity of 110 cc or less, or a snowmobile, with the consent of the owner, unless such vehicle is driven: (

i) on a highway as defined in the Insurance (Motor Vehicle) Act, or on any right of way or public land adjacent to a highway, or in any public park without the express permission of the authorities having jurisdiction to grant such permission, or (6) contrary to the Motor Vehicle (All Terrain) Act and Regulation, or (in) by a person who is not sixteen years of age or older. (

c) With respect to 2(

b) above, no indemnity is payable to any person who is a passenger on a motorcycle with an engine capacity of 110 cc or less. 3 When a trailer owned by the insured, but not described on this policy, is used or operated in connection with the described all terrain vehicle, the insurance cove age under this policy will not be invalidated and the hailer and all terrain vehicle will be considered as one vehicle for the purposes of this policy. 4. No indemnity is provided by this policy where a vehicle at any time during the term of this policy (

a) is used as living accommodation, or (

b) is used or operated off highway for commercial or business purposes. 5. For the purposes of this policy: (a) (

I) the term "a vehicle in storage' means a vehicle not currently licenced, which is in storage on the insured's private property or on private property located anywhere within Canada or the United States of America, and which it is understood and agreed will not be driven on a highway, private road, or private property, or parked on any highway during the term of this policy. (

e) with respect to 5 (a) (i), the term "the insured's private property" shall include a parking space designated for the use of the insured when such parking space is located in the parking area attached to or forming part of an apartment, condominium, townhouse, or other building in which the insured resides. (iii) a vehicle "on consignment" means a vehicle not currently licenced, which has been placed by the registered owner in the care, custody, and control of a garage service operator, but not registered in the name of such operator, for the sole purpose of the sale of the vehicle. (iv) a "snow vehicle" means a snow vehicle as defined in the Motor Vehicle Act Regulations. (

b) when a customer's vehicle is in storage or on consignment as defined under this policy and the vehicle is placed in the care, custody, or control of a garage service operator for the purpose of repair, servicing, or testing, the coverage under this policy will not be invalidated when the vehicle is operated by a garage service operator Or by the garage service operator's employees or agents while a Demonstration licence plate, Pepa:rmar's licence plate, or a Transporter's licence plate is lawfully attached to the customer's vehicle. 6.

No indemnity shall be payable under this policy if the named insured is not a resident of British Columbia 7 With respect to a camper that is insured by this policy for own damage coverage in accordance with

Part 9 Division 2 of the Regulation, (

a) conditions 1 and 4 above do not apply. (

b) In the event of a single occurrence causing loss or damage to the camper insured by this policy and the motor vehicle to which the camper is attached, a single deductible shall apply where the own damage deductible under this policy is the same as the own damage deductible under the owner's certificate for the motor vehicle.

If the own damage deductible under this policy is different from the own damage deductible under the owner's certificate for the motor vehicle to which the camper is attached, then the higher deductible shall apply as the single deductible when both the motor vehicle and the camper are damaged in a single occurrence. The loss, inclusive of deductible amc unts, shall be prorated between the own damage coverage under this policy and the owner's certificate for the vehicle to which the camper is attached according to the respective loss suffered and the respective applicide limit of inUerrinity.

The applicable own damage deductible amounts in force at the time of loss shall determine how this condition is applied. (c, Where the camper is detached from a motor vehicle at the time of loss, lasses involving the camper shall be treated separately and be subject to the deductible amount stated in this policy. (

d) In addition to permanently attached equipment of the camper, coverage is also provided under this policy to fixtures and fittings of a camper which are not permanently attached to and which form part of the necessary equipment of the camper, provided that the value of such fixtures and fittings has been included in the total value declared on the face of this policy. 8 With respect to a camper that is insured by this policy for third party legal liability (Part 61 and accident benefits (Part 7) under the Regulation, these coverages only apply while the camper is (

a) detached from a motor vehicle, or (

b) attached to a motor vehicle that is not licenced in accordance with the definition of "licence' contained in the Insurance (Motor Vehicle) Act and is not being operated. 9

Section 96 (b)(1) and

section 96 (b)(111) of the Regulation do not apply with respect to an accident which results in a claim for benefits being made by an occupant of the vehicle insured by this policy. 10 For the purpose of this policy, the definition of vehicle includes: (

i) a camper. (ii) an all terrain cycle, meaning a 3-wheeled motor vehicle designed for the transportation of persons, property or equipment exclusively on marshland, open country or other. .mprepared surfaces. (xi) an all t main vehicle, meaning a wheeled or tracked vehicle designed primarily for recreational use or for the transportation of property or equipment exclusively on marshl,tnd, open country or other unprepared surfaces. Except as otherwise provided in this policy, all limits, terms, conditions, provisions,

definitions, and exclusions of the Regulation shall apply to the insurance provided by this policy .

In witness whereof the Corporation has caused this policy to be signed by its President and Chief Executive Officer but the same shall not be binding until validated arid signed on the front side hereof by an agent or other authorized representative of the Corporation, Thom Thompson PRESIDENT AND CHIEF EXECUTIVE OFFICER INSURANCE CORPORATION OF BRITISH COLUMBIA APV45 (1120001

ITV I PROVINCE POSTAI. CODE AME OF PROSPECTIVE FLEET CONTACT AME(

S) OF ALL INDIVIDUALS HAVING EFFECTIVE CONTROL OF THE APPLICANT • LIST BELOW. TELEPHONE NUMBER DO YOU HAVE ANY QUARTERLY ("T") PLATES? YES El NOE IF "YES", EXPIRY DATE MUST BE MARCH, JUNE, SEPTEMBER, OR DECEMBER. AMC OF APPLICANT USINESS ADDRESS OF APPLICANT INSURANCE CORPORATION OF BRITISH COLUMBIA GARAGE AND FLEET SERVICES DEPARTMENT 1St WEST ESPLANADE NORTH VANCOUVER, B.C. V7M 3H9 Insurance Corporation of British Columbia (Hereinafter called The Corporation) APPLICATION FOR FLEET IDENTITY NUMBER AND DECLARATION OF ENTITLEMENT PRESCRIBED PURSUANT TO

SECTION 156 OF THE REVISED REGULATOR

(1964) UNDER THE INSURANCE (MOTOR VEHICLE) ACT (HEREINAFTER CALLED THL REGULATION) APV84 ICBC USE ONLY FLEET NUMBER BUS. CODE COMMENCEMENT DATE DAY MONTH I I YEAR I EXPIRY DATE I I I II APPROVED BY APPROVAL DATE D I Y I MONTH I I I I YEAR I ESTIMATE THE NUMBER OF VEHICLES FORMING THE PROSPECTIVE FLEET. WHAT EXPIRY DATE IS REQUESTED? 3. WHAT IS THE EFFECTIVE DATE/ NOTE EXPIRY DATE MUST BE AT LEAST SIX MONTHS FROM THE FLEET INCEPTION DATE AND CANNOT BE CHANGED FOR THREE YEARS. HOW LONG HAS THE APPLICANT BEEN IN BUSINESS?

LIST THE NAMES OF ANY SUBSIDIARY COMPANIES THAT ARE TO FORM PART OF THE APPLICANTS FLEET NOTE: A SUBSIDIARY COMPANY, FOR FLEET PURPOSES, IS DEFINE AS A COMPANY OF WHICH 51% OR MORE OF THE SHARES ARE OWNED BY THE APPLICANT COMPANY. NAME NAME DID YOU PREVIOUSLY HAVE FLEET STATUS WITH THE CORPORATION? - IF YES, STATE THE PREVIOUS FLEET IDENTITY NUMBER . ARE VEHICLES PRESENTLY RATED UNDER CLAIM RATED SCALE? - IF YES, ATTACH A LIST SHOWING THE PLATE NUMBER AND REGISTRATION NUMBER FOR EACH VEHICLE YES ARE VEHICLES PRESENTLY INSURED BY ANOTHER INSURER?

YES - IF YES, ATTACH A LETTER FROM THE PREVIOUS INSURER STATING THE CLAIMS EXPERIENCE FOR THE PREVIOUS 4 YEARS. - ALSO ATTACH A LIST THAT SHOWS THE VEHICLES, THEIR USE AND COVERAGE FOR THE PREVIOUS 4 YEARS. :CLARATION IE UNDERSIGNED DECLARES THAT THE INFORMATION SET OUT ABOVE IS TRUE AND HERE THE UNDERSIGNED GIVES FALSE PARTICULARS TO THE PREJUDICE OF THE )RPORAT ION OR KNOWINGLY MISREPRESENTS OR FAILS TO DISCLOSE IN THE .CLARATiON ANY FACTS REQUIRED TO BE STATED HEREIN.

ANY CLAIM BY THE .GISTERED OWNER OR LESSEE MAY BE INVALID AND THE RIGHT TO RECOVER INDEMNITY IRFEITED SIGNATURE OF FLEET OPERATOR SIGNATURE OF AGENT NOT VALID UNLESS STAMPED BY AUTHORIZED ISSUING OFFICE DATE IY QUESTIONS OR DISPUTE RESPECTING THE APPLICATION OF THE FLEETPLANiDISCOUNT/SURCHARCE SHALL RE RESOLVED ONLY BY REFERENCE TO THE SURANCE (MOTOR VEHICLE) ACT AND REGULATION. YPE OF BUSINESS CONDUCTED BY APPLICANT AME OF AGENT GENCY TELEPHONE NUMBER AND CONTACT NAME AGENT S NUMBER YES 'V84

(112000) INCOME REPLACEMENT POLICY Insurance Corporation INCLUDING DEATH BENEFITS of British Columbia PRESCRIBED PURSUANT TO

SECTION 153 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE ( MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) THE APPLICANT(HEREINAFTER CALLED THE INSURED) HEREBY APPLIES TO THE CORPORATION FOR AN INCOME REPLACEMENT POLICY INCLUDING DEATH BENEFITS.

AND THIS APPLICATIO1 SHALL FORM PART OF THE POLICY OF INSURANCE HEREBY APPLIED FOR WHICH SHALL BE AS FOLLOWS: IHERENArTER CALLED THE CORPORA DOM EFFECTIVE DATE DAY MONTH YEAR EXPIRY DATE DAY MONTH YEAR AUTHORIZATION NUMBER NAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) ADDRESS OF INSURED CITY PROVINCE POSTAL CODE POLICY NUMBER UNE N( APV1I NUMBER OF INSUREDS IN CONSIDERATION OF THE PREMIUM PAID FOR THIS POLICY AND SUBJECT TO THE TERMS AND CONDITIONS SET OUT HEREAFTER, WHERE A INSURED PERSON IS INJURED OR DIES AS THE RESULT OF AN ACCIDENT FOR WHICH THE CORPORATION SHALL PAY BENEFITS ACCORDING T SECTIONS 80 AND 92 OF

PART 7 OF THE REGULATION, THE CORPORATION AGREES TO PAY THE BENEFITS DESCRIBED BY OPTION NUMBER BELOI UNDER THE HEADING "EXTRA BENEFITS", WHICH OPTION NUMBER IS THE NUMBER SET OUT BELOW IN THE BOX ENTITLED "OPTION TAKEN" AN DETERMINED BY REFERENCE TO THE AMOUNT OF THE PREMIUM PAID TO THE CORPORATION AS CONSIDERATION FOR THIS POLICY BUT THE BASI BENEFITS PAYABLE TO AN INSURED PERSON UNDER SECTIONS 80 AND 92 OF

PART 7 OF THE REGULATION ARE PRIMARY BENEFITS AND TH BENEFITS PAYABLE UNDER THIS POLICY ARE BENEFITS PAYABLE TO AN INSURED PERSON AS EXCESS BENEFITS OVER THE BASIC BENEFITS. DESCRIPTION OF BENEFITS EXTRA BENEFITS OPTION 1 OPTION 2 OPTION 3 OPTION 4 DEATH BENEFIT: HEAD OF HOUSEHOLD (SECTION 92) $5,000 $10,000 $15,000 $20,000 WEEKLY BENEFIT: TOTAL DISABILITY BENEFIT (SECTION 80) $ 150 $ 250 $ 350 $ 400 OPTION TAKEN ANNUAL PREM.

PRORATED PREM. $ MINIMUM AND RETAINED PREMIUM • $15 Cash Cheque $ TOTAL PAID CASH E CHEQUE Debit/Credit $ BENEFITS UNDER THIS POLICY ARE PAYABLE SUBJECT TO THE SPECIAL TERMS AND CONDITIONS CONTAINED ON THE BACK HEREOF WHICH FORM PART OF THIS POLICY AND ARE BINDING UPON AN INSURED PERSON. ICBC r AGENTS COMMENTS By signing this application, the insured acknowledges all the terms and conditions contained on both the front and back sides hereof and declares that the foregoing particulars are true, and where (

a) the insured in this application gives false particulars to the prejudice of the Corporation or knowingly misrepresents or fails to disclose in this application any fact required to be stated herein, or (

b) the insured contravenes a term or condition of the policy of insurance hereby applied for or the Regulation or commits a fraud, or (

c) the insured willfully makes a false statement in respect of a claim under the policy of insurance hereby applied for or the Regulation, any claim by the insured under the said policy is invalid and the right of the insured to recover indemnity thereunder is forfeited (and in addition or as an alternative, where appropriate and applicable, the Corporation may cancel the said policy pursuant to

Section 58 of the Regulation). SIGNATURE OF NAMED INSURED SIGNATURE OF AGENT TIME OF VALIDATIC A. NOT VALID UNLESS STAMPED nv AUTHORIZED ISSUING OFFICE 1PVI97 1042000)

SPECIAL TERMS AND CONDITIONS IN ADDITION TO THE INSURING CLAUSE AND OTHER TERMS AND CONDITIONS SET OUT ON THE FRONT OF THIS POLICY, THE FOLLOWING TERMS AND CONDITIONS APPLY TO THIS POLICY: 1. WHEN USED IN THIS POLICY INSURED PERSON" MEANS ONE OF THE FOLLOWING PERSONS: (

a) THE PERSON SHOWN AS THE NAMED INSURED ON THE FRONT OF THIS POLICY; (

b) THE SPOUSE OR A DEPENDENT OF THE NAMED INSURED WHERE THE PRINCIPAL SOURCE OF FINANCIAL SUPPORT OF THE DEPENDENT IS PROVIDED BY THE NAMED INSURED AND WHERE THE SPOUSE OR THE DEPENDENT ORDINARILY RESIDES IN THE SAME DWELLING UNIT AS THE NAMED INSURED: WHEN A PERSON DESCRIBED IN (

a) OR (b): (

i) IS AN OCCUPANT OF ANY VEHICLE OWNED BY, LEASED TO, OR ASSIGNED TO AND PRINCIPALLY OPERATED BY AN INSURED PERSON; (ii) IS AN OCCUPANT OF A VEHICLE THAT: A. IS LICENCED IN THE PROVINCE AND IS NOT EXEMPTED UNDER

SECTION 43 OR 44 OF THE ACT, OR B. IS NOT REQUIRED TO BE LICENCED IN THE PROVINCE, BUT IS OPERATED BY AN INSURED PERSON; (iii) IS ENTITLED TO COMPENSATION UNDER

SECTION 20 OR

SECTION 24 OF THE INSURANCE (MOTOR VEHICLE) ACT, OR (iv) IS STRUCK BY A VEHICLE WHILE A PEDESTRIAN, WHILE IN OR ON PREMISES OR WHILE RIDING A CYCLE. 2. NO INDEMNITY SHALL BE PAYABLE HEREUNDER IF THE NAMED INSURED OR AN INSURED PERSON IS NOT A RESIDENT OF BRITISH COLUMBIA. 3. THE INCOME REPLACEMENT BENEFITS PAYABLE TO AN INSURED PERSON UNDER THIS POLICY, EITHER ALONE OR JOINTLY WITH ANY OTHER PLAN OR POLICY, SHALL NOT EXCEED AN AMOUNT THAT IS MORE THAN 75% OF THE GROSS WEEKLY INCOME OF THE INSURED PERSON. 4. THE INCOME REPLACEMENT OR DEATH BENEFITS RECEIVED BY AN INSURED PERSON INSURED UNDER THIS POLICY SHALL. BE DEDUCTED PURSUANT TO

SECTION 25 OF THE INSURANCE (MOTOR VEHICLE) ACT FROM ANY CLAIM FOR DAMAGES THAT THE IN' IRED PERSON HAS AGAINST ANOTHER PERSON BECAUSE OF THE LOSS OR INJURY FOR WHICH THE INCOME REPLACEMENT OR DL.,1-1 BENEFITS UNDER THIS POLICY ARE PAID. 5. NO INCOME REPLACEMENT OR DEATH BENEFIT AFFORDED BY THIS POLICY SHALL BE PAID TO AN INSURED PERSON UNLESS AND UN TIL THE INSURED PERSON HAS COMPLIED WITH AND HAS BEEN PAID AN ACCIDENT BENEFIT PURSUANT TO

PART 7 OF THE REGULATION. 6 WHERE AN INSURED PERSON IS PROTECTED t3'1' MORE THAN ONE VALID ENFORCEABLE INCOME REPLACEMENT INCLUDING DEATH BENEFITS POLICY, THE CORPORATION SHALL ONLY PAY INCOME REPLACEMENT OR DEATH BENEFITS TO AN INSURED PERSON PURSUANT TO THE TERMS AND CONDITIONS OF ONE INCOME REPLACEMENT INCLUDING DEATH BENEFITS POLICY NO MATTER HOW MANY INCOME REPLACEMENT AND DEATH BENEFITS POLICIES ARE THEN IN FORCE WITH RESPECT TO THE INSURED PERSON'S CLAIMS FOR INCOME REPLACEMENT OR DEATH BENEFITS. 7. EXCEPT WHERE OTHERWISE PROVIDED, ALL TERMS, CONDITIONS AND PROVISIONS,

DEFINITIONS AND EXCLUSIONS OF

PART 7 OF THE REGULATION SHALL CONTINUE TO HAVE FULL FORCE AND EFFECT WITH RESPECT TO THE INCOME REPLACEMENT AND DEATH BENEFITS PROVIDED BY THIS POLICY.

IN WITNESS WHEREOF THE CORPORAT,Oil HAS CAUSED THIS POLICY TO BE SIGNED BY ITS PRESIDENT AND CHIEF EXECUTIVE OFFICER, BUT THE SAME SHALL NOT BE BINDING UNTIL VALIDATED AND SIGNED BY AN AGENT OR OTHER AUTHORIZED REPRESENTATIVE OF THE CORPORATION T.M. THOMPSON PRESIDENT AND CHIEF EXECUTIVE OFFICER INSURANCE CORPORATION OF BRITISH COLUMBIA V197 (0420001

1 NyMBEP OF DAYS1 PER DIEM PREMIUM $ TOTAL PREMIUM X EFFECTIVE DATE DAY MONTH YEAR EXPIRY DATE DAY MONTH YEAR AUTHORIZATION NUMBER [BC DRIVERS LICENCE NUMBER --- 1 POLICY NUMBER UNE NO APV281 L VAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) ADDRESS OF INSURED I I

I) I i i i l i i I / I I 1 i I i I I I I c ;ITV PROVINCE POSTAL CODE IC BC AGENTS COMMENTS NUMBER OF INSUREDS 1 RENTAL VEHICLE POLICY PRESCRIBED PURSUANT TO

SECTION 153 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE ( MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) Insurance Corporation of British Columbia (Hereinafter called The Corporation) HE APPLICANT (HEREINAFTER CALLED THE NAMED INSURED) HEREBY APPLIES TO THE CORPORATION PURSUANT TO THE INSURANCE (MOTOR EHICLE) ACT AND THE REVISED REGULATION (1984) (HEREINAFTER CALLED THE REGULATION) FOR A RENTAL VEHICLE POLICY, AND THIS PPLICATION SHALL FORM PART OF THE POLICY OF INSURANCE HEREBY APPLIED FOR WHICH SHALL BE AS FOLLOWS: WARNING I This policy of insurance is void la) II it is issued to a named insured who is not a resident of British Columbia. (

b) WM respect to any vehicle that is rented or• (eased for the exclusive use of a person or persons who are not residents of British Columbia tc) If It is issued for any vehicle (other man a motor home) where the daily rental cost exceeds $126 iCanadian funds) when rented in Canada or $100 (US funds) when rented in the USA This policy 01 insurance is NOT valid outside Canada and the United States oI America J CONSIDERATION OF THE PREMIUM PAID FOR THIS POLICY AND WHERE DURING THE TERM OF THIS POLICY AN ACCIDENT OCCURS THAT GIVES ISE TO A CLAIM UNDER THIS POLICY, THE CORPORATION SHALL BE LIABLE AS HEREINAFTER DESCRIBED AND PURSUANT TO THE APPLICABLE ART OF THE REGULATION BUT SUBJECT TO THE SPECIAL AND GENERAL TERMS, CONDITIONS, AND LIMITATIONS APPLICABLE HERETO, FOR SUCH DSS OR DAMAGE OR BENEFITS AS MAY BE PAYABLE UNDER EACH OF THE FOLLOWING SECTIONS.

SECTION COVERAGES LIMIT OF LIABILITY , THIRD PARTY LEGAL LIABILITY (PART 6) $1,000,000 B ACCIDENT BENEFITS (PART 7) AS PER REGULATION C UNDERINSURED MOTORIST PROTECTION (PART 10, DIVISION 2) AS PER REGULATION D OWN DAMAGE (PART 9, DIVISION 2) COLLISION DEDUCTIBLE $200.00 COMPREHENSIVE DEDUCTIBLE $100.00 E LOSS OF USE $25 PER DAY $25 PER DAY TOTAL LIMIT $250 MINIMUM AND RETAINED PREMIUM $20 Cash Cheque $ Debrt,Credit S -IIS POLICY OF INSURANCE SHALL BE SUBJECT TO THE SPECIAL TERMS AND CONDITIONS CONTAINED ON THE BACK OF THIS POLICY, WHICH -ALL ALSO FORM PART OF THIS POLICY AND SHALL BE BINDING UPON THE INSURED. ( signing this application, the insured acknowledges all the terms and conditions contained on both the front and back sides hereof and declares that the regoing particulars are true, and where (

a) the insured in this application gives false particulars to the prejudice of the Corporation or knowingly isrepresents or fails to disclose in this application any fact required to be stated herein, or (

b) the Insured contravenes a term or condition of the policy insurance hereby applied for or the Regulation or commits a fraud, or (

c) the insured willfully makes a false statemem in respect of a claim under the policy insurary.e hereby applied for or the Regulation, any claim by the insured under the said policy is invalid and the right of the insured to recover indemnity ereunder is forfeited (and in addition or as an alternative, where appropriate and applicable, the Corporation may cancel the said policy pursuant to oction 58 of the i-3egulation). TIME OF VALIDATION A M. P.M. NOT VALID UNLESS STAMPED BY AUTHORIZED ISSUING OFFICE 3NATURE OF INSURED SIGNATURE OF AGENT V281(112000)

INSURING AGREEMENTS Sp

SECTION A lird Party Legal Liability to Others (except owner of non owned vehicle) le Corporation agrees to indemnify an insured in accordance with

Part 6 of the Regulation r Third Party Legal Liability, which is imposed by law upon the insured, for loss or damage ising from the use or operation of a non owned vehicle as defined in the General Terms, ondilions and Limitations hereunder. pedal Terms, Conditions and Limitations of

Section A For the purposes only of this policy, Regulation

Section 77, entitled "Other Insurance" is waived and the following provision applies to this

section of this policy only; "Other Insurance" (

I) Where indemnity is also provided to the vehicle owner for the ownership, use or operation of the non'owned vehicle, by means of a certificate, policy or plan of insurance providing third party legal liability indemnity, indemnity provided under this

section of this Rental Vehicle Policy is available only to the extent that the amount by which liability is limited herein exceeds the amount in respect of which indemnity is provided under such certificate, policy or plan of insurance. (ii) Where indemnity for the same occurrence is provided to the insured under two or more of the following for the use or operation of the non-owned vehicle: (

a) a contract of automobile insurance providing insurance described in sections 140 and 141 of the Insurance Act or providing similar insurance under similar legislation of another jurisdiction; (

b) this Rental Vehicle Policy, (

c) an owner's certificate; then the said policies shall respond in the following order or priority, first (

a) then (

b) and last (c), but indemnity provided under this

section of this Rental Vehicle Policy is available only to the extent that the amount by which liability is limited herein exceeds the total amount of indemnity provided under (a). No indemnity is afforded to an insured under this

section for the liability of an insured in negligence or contract to an owner of a non owned vehicle for loss or damage to, or loss of use of the non owned vehicle to which this policy attaches.

SECTION B CcIdent Benefits re Corporation shall pay accident benefits to or on behalf of an insured in accordance with In 7 of the Regulation. r the purposes of the payment of claims under this

section of this policy: no fault accident benefits are not payable under this policy to an insured who is also entitled to no fault accident benefits under an owner's certificate or a driver's certificate issued by the Corporation, and with respect to an occupant of the non owned vehicle who is not a resident of British Columbia. Regulation

Section 96 (b)(

i) is waived but the cumulative benefits to which such an occupant is also entitled under either the no fault accident benefits provisions of any other policy, certificate or plan of automobile insurance or any other type of accident insurance, policy or coverage are primary and the no fault accident benefits afforded to that occupant by this clause of this policy are excess to such other automobile insurance or accident insurance to the extent that the no fault accident benefits to which the occupant is entitled under this certificate exceed the cumulative benefits provided by any primary automobile insurance or accident insurance.

SECTION C nderinsured Motorist Protection re Corporation shall provide Underinsured Motorist Protection to an insured in accordance th

Part 10 Division 2 of the Regulation

SECTION D igal Liability for Damage to Non Owned Vehicle le Corporation agrees to indemnify an insured for: I direct physical loss or damage to a non owned vehicle and its equipment resulting c (

i) the legal liability of an insured to the owner or (ii) liability to the owner as assume.t tv an insured under a contract or agreement, in either case while the non owned vehicle is in the care, custody, or control of an insured with the permission and consent of the owner of the non owned vehicle, and indirect or consequential loss or damage and loss of use of the non owned vehicle while it is unavailable for use by the owner as measured by the reasonable Retail Rental Value of a replacement vehicle, id the amount of indemnification under (

a) and/or (

b) shall be adjusted with and paid to the vner on behalf of an insured as though the loss or damage suffered by the owner of the non vned vehicle was a claim by an insured for loss or damage to a vehicle owned' y the insured id insured by the Corporation by a vehicle rate group fixed under

Section 34 (5) of the surance (Motor Vehicle) Act. eclat Terms, Conditions and Limitations of

Section D 1. Where an insured is legally or contractually liable to an owner for loss or damage to which a claim .5 payable under this

section of this policy, the portion of the claim whicl relates to direct physical loss or damage to the non owned vehicle shall be for thi amount soecified in Condition 2. 2. The liability of the Corporation for payment of indemnity for direct physical loss o damage under this

section of this policy is limited to the amount (exclusive of interes and court costs) by which the applicable deductible amount fixed in the application fo this policy is exceeded by the least of the following amounts; fij the actual cash value of the non owned vehicle and its equipment, (ii) the cost of repair of the non owned vehicle and its equipment, or (iii) the amount for which the insured is legally or contractually liable. 3. In addition to the provisions of Division 2 of

Part 9; Regulation, Sections 69, 73 and 71 also apply to a claim by an insured under this section, provided that Regulation Sectioi 146 does not apply to a claim under this

section and that coverage under this sectioi is primary to any other insurance applicable to the non owned vehicle.

SECTION E Loss of Use The Corporation agrees, following an occurrence for which indemnity is payable unde

Section D of this policy, to reimburse an insured in accordance with the Limits and Amount: set out in

Section E of the application for this policy for expense incurred by such an insurer for the rental el a substitute non owned vehicle as a result of loss or damage to the non owner vehicle as defined in the General Terms, Conditions and Limitations hereunder where sucl loss or damage renders the non owned vehicle inoperable. GENERAL TERMS, CONDITIONS AND LIMITATIONS 1. The provisions r.,f Parts 1, 3, 5 and 11 of the Regulation, with the necessary changes aiso apply to a claim by an insured under this policy. 2.

No payment shall be made for adjusting expense, legal expense, court ordered pre o post judgment interest, or court costs except such adjusting expense, legal expense court ordered interest, or court costs as is incurred in respect of litigation or settlemen of that part of any claim for liability to others or loss or damage caused by or to the not owned vehicle that is paid under this policy. 3 In this policy the following words have the following meanings: "Non Owned Vehicle' means a licenced vehicle and its equipment, licenced trailer am its equipment, or a camper that is not owned, either wholly or in part, by an insured or person r.siding in the same dwelling premises as an insured and is used only for pleasun or while transacting or conducting the business of the named insured that originate' within British Columbia; except that no indemnity is afforded under this policy for (

i) a commercial vehicle with a Gross Vehicle Weight in excess of 5,000 kgs or (ii) a vehicle used for: (

a) carrying or delivering goods for compensation, or (

b) carrying passengers in a bus with a seating capacity of sixteen or more, or (

c) carrying passengers for compensation or hire in any vehicle. "Owner" means a person having a lawful right to enforce a claim against an insurer under this policy for loss or damage to a non owned vehicle whether or not that owne is the registered owner, lessee, lessor or renter of the non owned vehicle. "Ireured,' under Sections A, 0 and E of this policy, means: (

a) the named insured, who must be a resident of British Columbia. (

b) any driver other than the named insured who is shown by the named insured a: a permitted driver on a contract made by the named insured for the rental or leasi of a non owned vehicle "Insured." under Sections B and C of this policy, means: (

a) the named insured, who must be a resident of British Columbia, (

b) a member of the household of the named insured, or (

c) any other occupant of the non owned vehicle. "Equipment" means all equipment (including special paint work) that is permanentt attached to the vehicle, and includes a two-way radio, a camper or a canopy when sami are described it the rental or lease contract as part of the equipment of the non owner vehicle to which this policy is applicable. 4. Notwithstanding any other term of this policy, this policy is void: (

a) if it is issued tc a named insured who is not a resident of British Columbia, (

b) with respect to any vehicle that is rented or leased for the exclusive use of person or persons who are not residents of British Columbia. (

c) outside Canada and the United States of America (

d) where the non owned vehicle is not a motor home and the rental cost per day a! evidenced by the rental agreement with respect to the non owned vehicle exceeds $125 (Canadian funds) when it is rented in Canada and $100 (US funds when it is rented in the United States of America. ,ceot as otherwise provided in this policy, all limits, terms, conditions, provisions,

definitions and exclusions of the Insurance (Motor Vehicle) Act and its Regulation shall have full force and effect YOU HAVE AN ACCIDENT BRITISH COLUMBIA CALL 1-800-910-4222 Thom Thompson ;CUT - LOWER MAINLAND CALL 5208222 SE WHERE IN CANADA OR THE UNITED STATES CALL ICBC TOLL FREE I 800 667-7740 PRESIDENT AND CHIEF EXECUTIVE OFFICER INSURANCE CORPORATION OF BRITISH COLUMBIA ,V281(112000)

THIS POLICY IS VOID IF ISF 1ED FC A MOTOR VEHICLE WHICH IS NOT MODEL YEAR 1, 2 or 3. ITT POSTAL CODE PROVINCE IAME OF INSURED (SURNAME FOLLOWED BY GIVEN NAME(S)) ()DRESS OF INSURED NUMBER OF INSUREDS ICBC AGENTS COMMENTS FLEET NUMBER j TOP OR APV 45 NUMBER i AUTHORIZATION NUMBER uNE NC APV2I TO COINCIDE WITH EXPIRY DATE OF TOP OR APV4S NUMBER EFFECTIVE DATE )AY MONTH YEAR EXPIRY DATE DAY MONTH YEAR BC DRIVER'S LICENCE NUMBE REPLACEMENT COST POLICY PRESCRIBED PURSUANT TO

SECTION 153 OF THE REVISED REGULATION

(1984) UNDER THE INSURANCE ( MOTOR VEHICLE) ACT (HEREINAFTER CALLED THE REGULATION) 11 1;1311 Insurance Corporatil i of British Columbia (Hereinafter called The Corporal HE OWNER (HEREINAFTER CALLED THE INSURED) HEREBY APPLIES TO THE CORPORATION FOR A REPLACEMENT COST POLICY.

AND THIS APPLICATION SHALL FORM PART OF THE POLICY (SURANCE HEREIN APPLIED FOR WHICH SHALL BE AS FOLLOWS: POLICY NUMBER CONSIDERATION OF THE PREMIUM PAID TO THE CORPORATION BY THE INSURED FOR THIS POLICY, THE CORPORATION AGREES TO INDEMNIF HE INSURED FOR DIRECT AND ACCIDENTAL LOSS OR DAMAGE CAUSED TO THE DESCRIBED MOTOR VEHICLE BY ONE OF THE PERILS FOR WHIC HE INSURED HAS PAID A PREMIUM UNDER THE INSURED'S UNDERLYING INSURANCE, OCCURRING DURING THE TERM OF THIS POLICY CCORDANCE WITH THE SPECIAL TERMS, CONDITIONS,

DEFINITIONS AND EXCLUSIONS OF THIS POLICY AND SUCH OF THE PROVISIONS OF DIVISIC OF

PART 9 OF THE REGULATION AS ARE NOT IN CONFLICT WITH THE SPECIAL TERMS, CONDITIONS, DEFINI'I IONS AND EXCLUSIONS OF THIS POLIC (HERE (

a) THERE IS UNDERLYING INSURANCE, AND (

b) THE DOLLAR AMOUNT OF THE LOSS OR DAMAGE TO THE DESCRIBED MOTOR VEHICLE EXCEEDS THE APPLICABLE DEDUCTIBLE AMOUR PROVIDED BY THE UNDERLYING INSURANCE. MOTOR VEHICLE DESCRIPTION (HEREINAFTER CALLED THE DESCRIBED MOTOR VEHICLE) MODEL YR. MAKE MODEL BODY STYLE VEHICLE IDENTIFICATION (SERIAL) NUMBER REGISTRATION NUMBEF NOT EXCEEDING AND MUST 001, 002, 011, 012, 014, or 027, OR RATE 200, 202, 203, 206, 5000 Kg GVW BE RATE CLASS r 003, 004, 005, 007 021, 022, 023, 024, CLASS 051, 055 850, 853 or 856. WARNING 1 A certificate is invalid II issued for a vehicle that is not required to be licenced under the Motor Vehicle Act insurance (Motor Vehicle) Act).

Sec. 371 NOTE Item I of this warning does not apply where this policy is issued for a motor vehic'e Insured on an Autoplan Urilicenced Vehicle Policy (APV45) RATE CLASS MDOEL YEAR NUMBER TERI PREMIUM 2 A certificate is deemed invalid as soon as the vehicle IS registered and licenced In another province or state THE CORRECT COLLISION Insurance (Motor Vehicle) Act).

Sec. 371. PREMIUM MUST BE RATE GROUP $ ENTERED FOR BOTH COMPREHENSIVE / 11 Use of the vehicle by persons or for purposes not permitted by the Insurance (Motor Vehicle) Act and Regulator RATE GROUPS. SPECIFIED PERILS or by the rate class shown on the certificate may invalidate the certificate. (Regulation) RATE GROUP $ TOTAL ANNUA 4 A certificate is invalid if issued for a rebuilt, replica, replicar, replikil. specialty. or ubtlt vehicle, as defined under this policy or the Regulation. NET PREMILA PRORATED PRE IIS POLICY OF INSURANCE SHALL BE SUBJECT TO THE SPECIAL TERMS, CONDITIONS,

DEFINITIONS AND (CLUSIONS CONTAINED ON THE BACK OF THIS POLICY, WHICH SHALL ALSO FORM PART OF THIS POLICY JD SHALL BE BINDING UPON THE INSURED. SIGNING THIS APPLICATION. THE INSURED ACKNOWLEDGES ALL THE TERMS AND CONDITIONS CONTAINED ON BOTH THE FRONT AND BACK )Es HEREOF AND DECLARES THAT THE FOREGOING PARTICULARS ARE TRUE. AND WHERE (

A) THE INSURED IN THIS APPLICATIONGIVES FALSE RTICULARS TO THE PREJUDICE OF THE CORPORATION OR KNOWINGLY MISREPRESENTS OR FAILS TO DISCLOSE IN THIS APPLICATION ANY .1.1T REQUIRED TO BE STATED HEREIN, OR

(13) THE INSURED CONTRAVENES A TERM OR CONDITION OF THE POLICY OF INSURANCE HEREBY PLIED FOR OR THE REGULATION OR COMMITS A FRAUD, OR (

C) THE INSURED WILLFULLY MAKES A FALSE STATEMENT IN RESPECT OF A CLAIM DER THE POLICY OF INSURANCE HEREBY APPLIED FOR OR THE REGULATION, ANY CLAIM BY THE INSURED UNDER THE SAID POLICY IS INVALID D THE RIGHT OF THE INSURED TO RECOVER INDEMNITY THEREUNDER IS FORFEITED AND IN ADDITION OR AS AN ALTERNATIVE, WHERE l'ROPRIATE AND APPLICABLE, THE CORPORATION MAY CANCEL THE SAID POLICY PURSUANT TO

SECTION 58 OF THE REGULATION) NATURE OF INSURED SIGNATURE OF AGENT Cash $ Cheque S Debit/Credit S TIME OF VALIDATION A.M. P.M. NOT VALID UNLESS STAMPED BY AUTHORIZED ISSUING OFFICE /286 1112000)

SPECIAL TERMS, CONDITIONS,

DEFINITIONS AND EXCLUSIONS 1 If an accident renders the described motor vehicle a total loss or constructive total loss during the term of this policy. the Corporation will, subject to condition 5 below, indemnify the insured for direct and accidental loss or damage caused to the described motor vehicle (

a) where the described motor vehicle is a new motor vehicle (1) by replacing the described motor vehicle at the Corporation's cost with the most current model of a new motor vehicle of the same make and model and with equipment and options attached thereto similar to those listed on the bill of sale where such replacement deft( vehicle is deliverable to the insured by a dealer within 30 days of the determination of a total loss or constructive total loss, or (

v) if a replacement motor vehicle as described in condition 1(a)(1) is not deliverable by a dealer within 30 days of the determination of a total loss or constructive total loss, by paying the insured the lessor of the following: A. the verified original not purchase price actually paid by the insured for the described motor vehicle as evidenced by the bill of sale, or B. the manufacturer's suggested retail price at the date of purchase of the described motor vehicle together with any dealer options attached that may be listed on the bill of sale. plus an additional percentage amount of A. or B., whichever of these is paid, such percentage to be determined from the following table, by the model year number of the described motor vehicle Model Year Metter plICHDlagilllsAddtcl Model year 1 2.5% Model year 2 5.0% Model year 3 7.5% or (iii)as an alternative tc 1(a)(1) above and provided that a replacement motor vehicle as described in IMO is available as required under the conditions of 1(a)(i), by replacing the described motor vehicle at the Corporation's cost with any other motor vehicle of the insured's choice where such replacement motor vehicle is deliverable to the insured by a dealer within 30 days of the determination of a total loss or constructive total loss, and provided that the cost of such replacement motor vehicle does not exceed the cost of the replacement motor vehicle as determined under I (a)(i), or (01) where a replacement motor vehicle is available under condition 1(a)(

i) and the insured elects not to replace the described motor vehicle in accordance with condition 1(a)(i)or condition 1(a)(iii), by paying the insured the settlement amount calculated under condition 1(5)(f1), provided that such amount does not exceed the cost of the replacement motor vehicle as determined under condition 1(a)(i), Dr (

b) where the described motor vehicle is a used motor vehicle (

i) by replacing the described motor vehicle at the Corporation's cost with the most current model of a new motor vehicle of the same make and model and with equipment and options attached thereto similar to those that wore on the described motor vehicle at the date of the accident where such replacement vehicle is deliverable to the insured by a dealer within 30 days of the determination of a total loss or constructive total loss, or (

n) if a replacement motor vehicle as described in condition I (b)(1) is not deliverable by a dealer within 30 days of the determination of a total loss or constructive total loss, by paying the insured either A. where the manufacturer still produces the same make and model of vehicle as the described motor vehicle, the cost of the replacement vehicle as determined under 1 (b)(

i) above, or B where the manufacturer no longer produces the same make and model of vehicle as the described motor vehicle, the manufachrer's suggested retail price for the described motor vehicle at the time it was manufactured, together with any equipment and options attached thereto similar to those that were on the described motor vehicle at the date of the accident, plus en additional percentage amount of the manufacturer's suggested retail price, including equipment arid options, such percentage to be determined from the following table, by the model year of the described motor vehicle.

MedeLialir Number Percentage to tatediteg Model year 1 2 5% Model year 2 5 0% Model year 3 7 5% or (0 as an alternative to I (Wi) above, earl provided that a replacement vehicle as described in 1(b)(

i) is available as required under the conditions of lib)(1) by replacing the described motor vehicle at the Corporation's cost with any other vehicle of the insured's choice where such replacement motor vehicle is deliverable to the insured by a dealer within 30 days of the determination of a total loss or constructive total loss, and provided that the cost of such vehicle does not exceed the cost of the replacement motor vehicle as determined under 1(b)(

i) but the cost of repair of any prior unrepaued damage to the described motor vehicle will be deducted from the settlement of the total loss or constructive total loss 2 The Corporation may extend the time frame contained in condition I (a)(

i) or 1(b)(1) for delivery of a replacement vehicle if such replacement vehicle cannot be delivered to the Insured by a dealer within 30 days but it can be delivered within 90 days alter the date of the determination of a total loss or constructive total loss and the insured is willing to wait up to 90 days for the replacement vehicle to be delivered II such °placement vehicle is not subsequently delivered within 90 days, then indemnity shall only be afforded in accordance with, for a new vehicle, condition 1(a)(11) and, for a used vehicle, condition 1(b)(ii). 3 In the case of a new motor vehicle only, where a replacement vehicle is delivered within 90 days in accordance with condition 2, but the insured, after having agreed to wait the 90 days. subsequently elects not to accept the replacement motor vehicle, the settlement basis outlined in condition 1(a)) ii) applies 4.

II, during the term of this policy, an accident causes direct loss or damage to the described motor vehicle that does not render the described motor vehicle a total loss or a constructive total loss, the Corporation will, subject to condition 5 below, indemnify the insured by paying for the cost of repair of the described motor vehicle, using now Original Equipment Manufacturer parts for such repair, and

Document details

Collection	British Columbia — Orders in Council
Citation	O.C. 1637/2000
Type	order_in_council
Volume / chapter	arc oic 1637 2000
Language	en
Format	pdf
Source	PROVINCIAL
Identifier	89a32eaa507d7d11e16deabead5e3583cf580722

Source file is stored in the law ingest library (pdf).