Terms and Conditions


Other Provinces: Ontario, New Brunswick, Newfoundland and Labrador, Nova Scotia, Prince Edward Island, Nunavat, Northwest Territories, Yukon

1A.  INSURED POLICY STATEMENT: We will pay a benefit in the event that Your Approved Vehicle suffers a Mechanical Breakdown during the Term, all subject to the terms, conditions, limitations, and exclusions in the Policy. Obligations under this Policy are fully insured and guaranteed by:

Lloyd’s Underwriters as per Unique Market Reference Number B118403196CA3196

200 Bay Street, Suite 2930 Toronto, Ontario M5J 2J2

1B. ADMINISTRATION: All obligations under this Policy are administered by:


QBE Services Inc.

333 Bay St. Suite 520, Toronto, ON M5H 2R2

Toll-Free Number: 1-855-255-6274

Policy Enquiries including Cancels/Transfers

Repair Ventures Canada, Inc. (“Olive”)

1 Dundas Street West, Suite 2500, Toronto M5G 1Z3

Toll-Free Number: 1-833-654-8322

2.      ENTIRE POLICY: The Policy Terms and Conditions which includes the Declaration Page is the complete and exclusive statement of the Policy and is the understanding between You and Us regarding the Policy and related benefits for Your Approved Vehicle.

3.      DEFINITIONS: In this Policy, the following capitalized terms have the meanings assigned to them:

Administrator means QBE Services Inc. You may contact the Administrator’s office at any time to have coverage questions answered or receive assistance in filing a claim under this Policy at 1-855-255-6274.

Approved Vehicle means the vehicle identified by the VIN on the Declaration Page.

Coverage means the Coverage You selected for the Approved Vehicle as fully described under Section 5. COVERAGES.

Covered Part:  if you purchased the olive Powertrain Coverage or the olive Powertrain Plus Coverage, Covered Parts are the parts installed at the time of the manufacturing of the Approved Vehicle that are specifically listed after each component group heading of the Coverage plan purchased, subject to the exclusions listed in Section 8. EXCLUSIONS. Any part not listed on the Coverage You purchased is not covered, regardless of the cause for its failure. If you purchased the olive Complete Care Coverage, all mechanical and electrical operating parts installed at the time of the manufacturing of the Approved Vehicle are covered, except for those parts and services found in Section 8. EXCLUSIONS of this Policy. Repairs needed to a non-covered part caused by the Mechanical Breakdown of a Covered Part will also be covered under the olive Complete Care Coverage.

Deductible: means the amount shown in SECTION B- TYPE OF COVERAGE on the Declaration Page for which You are responsible to pay each time You go to a repair facility in the event of a claim being covered by this Policy. This does not include any non-covered repairs or expenses which You will be responsible for.

Effective Date means the date on which Your Policy will become effective for the selected Coverage, as indicated on the Declaration Page.

Emergency Repair means a necessary repair to Your Approved Vehicle at a repair facility when the Administrator’s offices are closed.

Expiration Date means the date shown on the Declaration Page on which this Policy will expire, even if the Expiration Mileage has not been reached.

Expiration Mileage means the maximum total mileage stated on the Declaration Page being indicated on the Approved Vehicle’s odometer, upon which this Policy will automatically expire, even if the Expiration Date has not been reached.

Mechanical Breakdown means the failure of a Covered Part to perform its intended function due to defects in materials or faulty workmanship in its manufacturing. This does not include the normal reduction in operating performance of a Covered Part due to normal wear and tear, including parts in which wear tolerances that are outside the manufacturer’s specifications are exceeded that are not due to defect in material or faulty workmanship in the manufacturing of a Covered Part.  (Please refer to Section 8. EXCLUSIONS for other exclusions that may apply). A leak of a Covered Part will only be considered a Mechanical Breakdown if it is an active leak to a drip. Seepage and/or buildup is considered normal and will not be covered.

Policy means this complete Mechanical Breakdown Insurance Policy, which includes the Declaration Page, that shows a specific duration to perform the repair, replacement, or maintenance for operational or structural failure due to a defect in materials or workmanship of Covered Parts.

Premium means the purchase price You paid for this Policy, as stated on the Declaration Page.

Retail Value of the Vehicle means the retail value of the Approved Vehicle at the time of repair or service, as determined by CBB (https://www. canadianblackbook.com) taking into consideration the location, mileage, and condition of the Approved Vehicle.

Term means the period beginning on the Effective Date and ending the earlier of the Expiration Date or the Approved Vehicle reaching the Expiration Mileage.

Vehicle Identification Number (VIN) means the 17-character alpha‑numeric identifier assigned to a motor vehicle by the manufacturer.

We, Us, and Our means Lloyd’s Underwriters, as per Unique Market Reference Number B118403196CA3196, the insurer under the Policy, located at 200 Bay Street, Suite 2930 Toronto, Ontario M5J 2J2 1.877.455.6937.

You and Your means the purchaser of this Policy, being the insured under the Policy, specified on the Declaration Page.


a)   If the Approved Vehicle is inoperable, and to prevent any further damage, immediately stop the Approved Vehicle and call for towing or roadside assistance. It is Your responsibility to use all reasonable means and precautions to protect the Approved Vehicle from further damage. Continued operation of the Approved Vehicle after any Mechanical Breakdown shall constitute failure to protect the Approved Vehicle. Any damage from failure to protect the Approved Vehicle shall not be recoverable.

b)   Prior to starting repairs, the repair facility must contact the Administrator’s claims office at 1-855-255-6274 with diagnosis and estimate of repairs. If You experience an Emergency Repair when a covered Mechanical Breakdown occurs when the Administrator’s office is closed, You must have the repair facility contact the Administrator during the next business day. Failure to contact the Administrator and report the claim on the next business day may result in nonpayment (see Section 8. EXCLUSIONS).

c)    You must authorize Your chosen authorized repair facility to inspect and diagnose the Mechanical Breakdown, as necessary, to determine the cause of failure and the cost of parts and labour to repair. IMPORTANT: You must call the Administrator prior to any engine or transmission disassembly. You are responsible for the cost of disassembly in the event the Mechanical Breakdown is NOT payable under this Policy (see Section 8. EXCLUSIONS).

d)   If requested, permit inspection of the Approved Vehicle by the Administrator BEFORE repairs are performed.

e)   Upon request, provide proof of maintenance (see Section 7. YOUR RESPONSIBILITIES).

f)     You must pay the Deductible and any other non-covered expenses as applicable.

g)   Payment for covered Mechanical Breakdowns will be made to either the repair facility or to You in accordance with the Policy provisions within thirty (30) days after receipt by Us of the repair order. Repair orders must be received by the Administrator within ninety (90) days of completion of repairs and the repair order must be signed by You. Failure to sign a repair order may cause delays in processing Your claim.

Claims mailed in without prior authorization from the Administrator will be denied.


olive Powertrain Coverage

If You elected the olive Powertrain Coverage, the following parts listed after each component group heading are covered:

Engine:  Engine block; cylinder head; rotor housing (rotary engine); oil pan; valve cover; timing cover; all internally lubricated parts contained within the engine block, cylinder head, or rotor housing; oil pump; timing chain, timing chain gears and timing chain tensioners; timing belt and timing belt tensioner; balance belt; variable valve camshaft actuator (not the variable valve solenoid); intake and exhaust manifolds (If the catalytic converter is permanently attached to the exhaust manifold, the exhaust manifold will not be covered if the mechanical breakdown is the catalytic converter.); harmonic balancer; engine mounts; water pump;  flywheel or flexplate.

Transmission, transaxle, and transfer case: Case housings, housing covers and pans; all internally lubricated parts contained within the housings; torque converter; viscous couplings; vacuum modulator; transmission mounts; transfer case shift/encoder motor; transmission/transaxle range position sensor/switch.

Drive axle (includes FWD, 4WD and AWD vehicles): Front and rear drive axle housings and covers; all internally lubricated parts contained within the drive axle housings; axle shafts; constant velocity joints and boots; driveshafts; universal joints; flex discs; driveshaft center support bearing; driveshaft yokes; 4WD engagement actuators and motors; 4WD manual locking hubs.

Air and Fuel System: Fuel pumps; supercharger/turbocharger housing and all internal parts of the housings (does not include wastegates or other attaching parts).

Seals and Gaskets: Seals and Gaskets are covered for only the parts listed in this section.

olive Powertrain Plus Coverage

If You elected the olive Powertrain Plus Coverage, your Coverage includes olive Powertrain Coverage and the additional parts listed after each component group heading are covered for olive Powertrain Plus Coverage:

Odometer & Speedometer: Odometer and speedometer and their cables and connectors.

Steering: Steering gear assembly; rack and pinion housing all internally lubricated parts contained within the housing; power steering pump and its reservoir; seals and gaskets for the steering gear assembly and the rack and pinion housing; power steering pump pulley; steering column shafts, their couplings, and bearings; tie rod ends; pitman arm, idler arm, and all other steering linkages; power steering metal lines.

Front Suspension: MacPherson struts; upper and lower control arms; control arm shafts and bushings; upper and lower ball joints; Front wheel hub and bearing; steering knuckles and spindles; stabilizer bar, stabilizer bar bushings and links; coil springs; torsion bars.

Brakes: Master cylinder, vacuum, or hydro booster; calipers; wheel cylinders; equalizer and distributing valves, proportioning valve.

Interior Climate Control: A/C Compressor, compressor clutch and its pulley; accumulator; receiver dryer; evaporator; condenser; serpentine belt tensioner and idler pulley; expansion valve; orifice tube; A/C pressure switches, blower motor and blower motor resistor.

Electrical: Alternator; voltage regulator; starter motor; starter solenoid; manually operated electrical switches; ignition switch; wiper motors; electronic ignition control module; radiator fan relay; wiring harnesses; and electrical components of a heated back glass defroster. NOTE: Heated back glass coverage is for electrical components only and does not include general glass or other physical damage.

Seals and Gaskets: Seals and Gaskets are covered for only the parts listed in this section

olive Complete Care Coverage

If You elected the olive Complete Care Coverage, all mechanical and electrical operating parts installed at the time of the manufacturing of the Approved Vehicle are covered, except for those parts and services found in Section 8. EXCLUSIONS section of this Policy. Repairs needed to a non-covered part caused by the Mechanical Breakdown of a Covered Part will also be covered under the olive Complete Care Coverage.


Towing Reimbursement:

If towing is necessary because a covered Mechanical Breakdown occurs or services provided by Your Coverage are required, We will reimburse You for towing costs up to $125 per covered claim occurrence.

Car Rental:

If Your Approved Vehicle becomes inoperative due to a Mechanical Breakdown that is covered by this Policy or any repair being covered under a manufacturer’s warranty, We will pay for Car Rental reimbursement up to $100 per day, not to exceed 5 days for a total of $500 for any one (1) period. Car Rental will be based on the number of labour hours approved for the Mechanical Breakdown repair. Each eight (8) hours or portion thereof of approved labour is eligible for one (1) day Car Rental. In the event that we determine that the Approved Vehicle needs to be inspected by Us, We will pay up to an additional two (2) days Car Rental to accommodate any delay in the Approved Vehicle being returned to You. Car Rental is not provided for delays because of shop scheduling or for work not covered by this Policy. Car Rental will be reimbursed only upon receipt of an invoice from a licensed car rental agency.


To obtain coverage or reimbursement under this Policy, You must: (i) properly operate the Approved Vehicle, (ii) provide proof of scheduled maintenance services in respect of the Approved Vehicle, and (iii) maintain automobile insurance over the Approved Vehicle as required by law. Proof of scheduled maintenance services includes maintenance records that show mileage, date of maintenance service, VIN and the maintenance that was performed.

Scheduled maintenance service requires periodic service checks based on mileage and/or time intervals based on the year, make and model of Your Approved Vehicle. Please review the Owner’s Guide for Your Approved Vehicle for the scheduled maintenance service requirements. If You perform Your own scheduled maintenance services, You must maintain a log including date, mileage and description of each maintenance service and provide corresponding receipts for purchases of parts and fluids. Covered Parts that require replacement at certain time and/or mileage intervals are not covered due to scheduled maintenance service requirements.  In the event a Covered Part was not replaced at its prescribed replacement interval it will not be covered in the event a Mechanical Breakdown occurs, nor will any consequential damage caused by the failure of that Covered Part.


The following are excluded from coverage under the Policy:

A.    Any claim submitted without the authorization of the Administrator prior to starting any repairs (see Section 4. HOW TO MAKE A CLAIM).

B.    Any Mechanical Breakdown or damage resulting from continued operation of the Approved Vehicle, such as not stopping Your Approved Vehicle immediately or having it towed or caused by Your failure to take reasonable precautions to prevent further damage when an apparent problem exists (see Section 4. HOW TO MAKE A CLAIM).

C.    The repair or replacement of any Covered Part if a Mechanical Breakdown has not occurred.

D.    Any costs incurred for diagnostics or disassembly work if a Mechanical Breakdown is not covered by this Policy (see Section 12. PAYMENT OF COVERED REPAIRS).

E.    Any pre-existing conditions (a condition that already existed on the Approved Vehicle when You purchased Your Policy) or any Mechanical Breakdown occurring prior to the Effective Date of the Policy, whether it be known or unknown.

F.     Any repair or replacement of a Covered Part that has failed due to normal wear and tear and not due to a defect in material or faulty workmanship in the manufacturing of a Covered Part.

G.    Repair or replacement of an engine due to oil consumption, loss of compression or misfires (which may cause a check engine light), if the only problem is due to normal wear and tear such as worn piston and/or piston rings, lining up of piston rings, worn engine block, worn valves, worn valve guides or valve guide seals, or carbon/sludge build up on these parts.

H.    Any environmental surcharges, waste disposal fees, shop supplies, and other similar miscellaneous charges.

I.      For olive Powertrain Coverage and olive Powertrain Plus Coverage: Any part that is not listed for coverage is not covered.

J.      Any non-covered parts or services, including, but not limited to, the performance of normal maintenance services as set forth in the owner’s guide for the Approved Vehicle, scheduled replacement of parts and wear items, and parts and services such as: adjustments of any type unless required with a repair being  covered  by  this  Policy;  all rubber,  plastic and metal lines, hoses and  tubes;  fittings  and connectors for lines, hoses and tubes; spark plugs; tune-ups; fan, engine, and serpentine belts; all filters; oil drain plug and oil filter housing caps and covers; glow plugs; engine block plugs (also called Welch or freeze plugs); adjustments to carburetors or fuel injection systems; complete exhaust systems including catalytic converters and particulate filters; brake rotors; brake drums; brake shoes; brake pads; brake springs and other brake mounting hardware; all batteries; external charging stations or systems; battery cables and connectors; fuses and circuit breakers; clutch slave and master cylinder; clutch disc, pressure plate, throw-out (release) bearing, dry clutch assemblies for automatically shifted manual transmissions, and pilot bearings; body and frame mounts; wheel alignments; wheel balance; tires, wheels and rims; flushing or cleaning of any system; wiper blades and arms; clamps; attaching hardware; grommets; glass; mirror glass; body parts; body and glass seals; paint/trim; soft trim; moldings; bright metal and chrome; door and window weather stripping; upholstery; fabric; convertible top frames and upholstery; electronic device software; digital video and compact audio discs; all HID, LED, halogen bulbs and standard incandescent bulbs; headlight, taillight, turn light and all other all other lighting assemblies; freight and core charges; any part that was not originally installed by the manufacturer; oil, coolant, additives, and refrigerants or other fluids, except in conjunction with the repair of a Covered Part (this is limited to necessary amounts required to refill the system one (1) time for the repair of the Covered Part); nuts, bolts, and fasteners except when required to complete a covered repair on a Covered Part.

K.    Any part that a repair facility or manufacturer recommends or requires to be repaired, replaced, or is an update (including updated software or programming), and is not a Mechanical Breakdown. This includes modifications, replacement or alteration of existing parts or systems necessitated by the replacement of an obsolete, superseded, or unavailable part, and improper maintenance or repair.

L.  Any Mechanical Breakdown or damage resulting from misuse; abuse; negligence; damage due to overcharging; jump starting; allowing an electric or hybrid drive vehicle’s high voltage drive battery to reach zero or near zero; exposing the vehicle to temperatures above 50 degrees Celsius over 24 hours or -25 degrees Celsius for over 7 days; use of any electric or hybrid vehicle charger not recommended by the manufacturer.

M.  Any Mechanical Breakdown or damage resulting from collision or upset; fire or smoke; theft or attempted theft; vandalism; riot or civil commotion; acts of war or invasion; terrorism; explosion; lightning; earthquake; freezing; rust or corrosion; windstorm; hail; water or flood; acts of God; salt; pollution or contamination; environmental and road hazard damage; chemical or nuclear incident; ionizing radiations or contamination by radioactivity from any irradiated nuclear fuel.

N.  Any Mechanical Breakdown caused by a lack of required maintenance as set forth under Section 7. YOUR RESPONSIBILITIES; contaminants or contaminated fluids, fuel, coolants, oils, and lubricants; foreign objects; improper amounts or types of lubricants, fuels, or coolants; sludge and/or varnish.

O.  Any loss or expense that is a direct result of a mechanical or structural defect for which a manufacturer has announced a recall or other announcement for the purpose of correcting a defect, or the repair or replacement of any part covered by a manufacturer’s or dealer’s warranty required by law in respect of emissions control systems.

P.  Any Approved Vehicle that currently has or at any time has had an altered, or inoperative odometer that has been left unrepaired, whether such repair is covered by this Policy or not.

Q.  Any Approved Vehicle modified or altered with, but not limited to, high performance, off-road equipment, and/or battery/electrical system that is not original factory equipment, done before or after the Effective Date of this Policy. Any Approved Vehicle used for any type of competitive driving or racing.

R.  Any Approved Vehicle that is used or equipped with any of the following: Any tire or wheel sizes and/or offsets not recommended by the manufacturer. Any Approved Vehicle equipped with a lift kit or has any parts that are used to lift a vehicle or its suspension.

S.  Mechanical Breakdown or failure as a result of spinning of tires or over revving.

T.  Any Approved Vehicle used for pulling a trailer, unless the Approved Vehicle was properly equipped beforehand for this purpose as recommended by the manufacturer.

U.  Any Approved Vehicle that: is reconstructed from salvage; is declared a total loss; is a manufacturer or dealer buyback; has had its Vehicle Identification Number changed or altered; or for which the original manufacturer’s warranty has been voided for any reason.

V.  Any loss or expense if Your Approved Vehicle is used for the following: Any commercial or business use (full or part time), including, but not limited to, delivery services, taxi, livery, or ride share services; municipal, volunteer, or professional emergency services; fleet or pool services; towing a trailer whose weight exceeds the manufacturer’s recommendations for that vehicle; or use of the Approved Vehicle for any snowplowing.

W.  Any Approved Vehicle that has the following characteristics: step-van; high-cube van; box body; cab and chassis or other incomplete vehicle; right hand steering; any vehicle that has business related equipment permanently mounted to the chassis or bed of the vehicle; or that have special bodies designed for construction, hauling or delivery.

X.  Any Approved Vehicle not originally manufactured to be sold in Canada meeting Canadian specifications, commonly known as a grey market vehicle.

Y.  Consequential damages to non-covered parts caused by the failure of a Covered Part are excluded from Coverage unless You have purchased the olive Complete Care Coverage.

Z.  Any Mechanical Breakdown covered by any limited warranty, manufacturer’s warranty, manufacturer’s and/or dealer customer assistance program, repairer’s guarantee, road club, or any other guarantee, warranty, or insurance policy, whether collectible or not. It is Your responsibility for making sure that all remaining manufacturer’s original warranties are transferred to You.

AA. Any loss, damage, cost, expense, or any other sum otherwise payable under this Policy of whatever nature directly or indirectly caused by, resulting from or in connection with:

I.    any actual or threatened unauthorized, malicious, or criminal act, or series of actual or threatened unauthorized, malicious, or criminal acts, or any hoax relating to any of these; or

II.  any failure to act, error, omission or accident or series of related failures to act, series of related errors, series of related omissions or series of related accidents; or

III. partial or total unavailability or failure, or series of related partial or total unavailability or failures, involving or affecting the use or operation of, access to, or the processing of any computer, hardware, software, data, information technology and communications system, electronic device, server, cloud, or microcontroller including any similar system or any configuration of the aforementioned, and including any associated input, output, or data storage device.

Our liability for incidental and consequential damages including, but not limited to, personal injury, physical damage, property damage, loss of use of Your Approved Vehicle, loss of time, inconvenience, and commercial loss resulting from the operation, maintenance, or use of Your Approved Vehicle is expressly excluded.


This Policy is limited to the repair or replacement of a failed Covered Part, due to a covered Mechanical Breakdown, only to restore the Approved Vehicle to the same or like condition prior to the Mechanical Breakdown. The aggregate total of all claims paid will not exceed the Retail Value of the Vehicle at the time of a current claim. Once this limit has been reached no further claims will be payable.


Replacement of parts shall be made with parts of like kind and quality, which may include new, remanufactured, rebuilt, refurbished, reconditioned, or used parts. Aftermarket parts that meet original equipment specification may also be used. At times it may be necessary to request repair facilities to send out parts for refurbishing at special facilities. You may also request a betterment offer in which You may pay the difference between the part We authorize and the part You wish to use (Example: We will authorize a rebuilt part but You wish to use a new part. We will pay the amount that we would authorize towards the new part and You will pay the difference).


Any repair facility repairing Your Approved Vehicle for a Mechanical Breakdown covered by this Policy is fully responsible for that repair for the warranty period indicated on the repair order or verbally given to Us at the time of the claim (minimum ninety (90) days is required). This Policy has no liability for similar repairs to the same part(s) during the warranty period. If more than one mechanical breakdown contract or insurance policy can be applied to a Mechanical Breakdown covered by this Policy, then this Policy shall be excess over all other contracts or policies, regardless of collectability.


We will pay for the reasonable cost or reimburse You for the reasonable cost to repair a covered Mechanical Breakdown (diagnostic and repair time are allowed only for Covered Repairs and as indicated in a current edition of a Mitchell or AllData labour guides, or in the event there is a Technical Service Bulletins (TSB) We will use that published time listed on the TSB), when repaired by a licensed repair facility or, if necessary, We will arrange for the repair of such covered Mechanical Breakdown at Our expense. The payment of sales tax on repairs covered by this Policy will be made in accordance with the regulations of the taxing authority in the province or territory where Your Approved Vehicle has been repaired. Payment of covered Mechanical Breakdowns will only be released upon the receipt of a verifiable invoice signed by You or the person to whom this Policy was properly transferred, indicating that the authorized repairs were properly performed and completed. Failure to sign the repair order may cause delays in processing Your claim. In the event We will be reimbursing You for repairs, reimbursement will be made via electronic fund transfer and We will contact You with instructions for this. The determination of whether We pay the repairer directly or reimburse You for the cost of repairs is made by the repairer.


The Deductible that You must pay for each repair visit is the amount stated on the Declaration Page.


A.    Dispute Resolution & Arbitration

Any controversy or claim arising out of or relating to this Policy or the breach thereof, may be settled by mutually agreed upon arbitration in accordance with the Arbitration Rules of the Canadian Arbitration Association and judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the municipality in which the address shown in the Declaration Page is located.  Local rules of law relating to procedure and evidence will apply.

B.    Fraud or Misrepresentation This Policy is issued in reliance upon the truth of all representations made by YouWe will not pay a claim where You have made any misrepresentations, omissions, concealment of fact or made incorrect statements that were fraudulent or were material in either Our acceptance of the risk or hazard.


C.    Transferability

You may transfer the remaining coverage of this Policy if You or the new Approved Vehicle owner initiates the transfer process and provides the following items to Us, within thirty (30) days of the Approved Vehicle sale:

(i) a statement of the mileage on the Approved Vehicle at the time of transfer; and

(ii) the name, address, and phone number of the transferee.

You may not transfer coverage if the Approved Vehicle becomes ineligible for coverage or is repossessed. Transferred Policies may not be cancelled by You.

D.    Legal Action Against Us

No suit or action may be brought against Us unless there has been full compliance with all terms of this Policy.

E.    Right to Recover

If anything is paid under this Policy and You have the right to recover from another party, Your rights became subrogated to Us up to the amount paid by this PolicyYou must do whatever is necessary to enable Us to enforce these rights.

F.     No Benefit to Bailee

We do not cover, directly or indirectly, any person or organization transporting or holding property for a fee.

G.    Non-Renewal

We are under no obligation to renew this Policy. Once We choose to non-renew this Policy or condition its renewal upon changes of limits or elimination of any Coverages, We shall mail or deliver written notice to You at least thirty (30) days before the end of the Policy’s Expiration Date. The notice of non-renewal or conditional renewal shall include the reason for non-renewal or conditional renewal, which may be based on Your involvement in an accident, a change in, or addition of, a vehicle or an insured; a change in the location of the use or storage of the Approved Vehicle, payment of claims filed by You or someone else, or other reasons that are both lawful and not unfairly discriminatory.

H.    Entire Policy

This Policy represents the entire agreement between You and Us.  No person has the authority to change this Policy or to waive any provisions.

I.      Territory

This Policy applies to a Mechanical Breakdown that has occurred within Canada or the United States of America. A Mechanical Breakdown that occurs outside of Canada or the United States of America is not covered.


a.    You may cancel this Policy by returning it to Us; or by notifying Us in writing when, at a future date, cancellation is to take effect.

b.    We may only cancel this Policy for the following reasons:

  • Nonpayment of Premium.
  • Fraud by You.
  • Material misrepresentation or omission by You.
  • Negligent acts or omissions by You which substantially increase the hazards insured against; or
  • Physical changes in the Approved Vehicle causing it to be uninsurable.

If We cancel due to nonpayment of Premium, We will give You at least ten (10) days advance written notice.  If We cancel because of fraud or material misrepresentation by You, We will give You at least twenty (20) days written notice.  If We cancel for any other reason, We will give You at least thirty (30) days advance written notice.

Notice of cancellation shall state the reason for cancellation.  Proof of mailing will be sufficient proof of notice. A lienholder or financer of this Policy, if any, may cancel this Policy for nonpayment or if the Approved Vehicle is declared a total loss or is repossessed by providing written notice of cancellation at least ten (10) days before the effective date of cancellation. If the Policy is canceled for any of these reasons, any refunds will be issued to the lienholder on behalf of Your account.


If We receive a written cancellation request, including a copy of Your Declaration Page and proof of payment on or before the 30th day from the signature date or Effective Date and no claims have been filed under this Policy, We will cancel this Policy and refund in full any Premium paid either to You, or if there is a lienholder or financer, back to the lienholder or financer.

If We receive a written cancellation request, including a copy of Your Declaration Page and proof of payment after the 30th day or if a claim has been filed at any time during the Term of this Policy from the signature date or Effective Date, We will refund Your premium on a pro rata basis either to You, or if there is a lienholder or financer, back to the lienholder or financer.


I.        Severable liability

Each member of the Lloyd’s syndicate (rather than the syndicate itself) is an insurer. Each member has underwritten a proportion of the total shown for the syndicate (that total itself being the total of the proportions underwritten by all the members of the syndicate taken together). The liability of each member of the syndicate is several and not joint with other members. A member is liable only for that member’s proportion. A member is not jointly liable for any other member’s proportion. Nor is any member otherwise responsible for any liability of any other insurer that may underwrite this contract. The business address of each member is Lloyd’s, One Lime Street, London EC3M7HA. The identity of each member of a Lloyd’s syndicate and their respective proportion may be obtained by writing to Market Services, Lloyd’s, at the above address.

II.      Insure In Canada a Risk

For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Lloyd’s Underwriters’ insurance business in Canada.

III.     Notice Concerning Personal Information

By purchasing Insurance from certain Underwriters at Lloyd’s of London (“Lloyd’s”), a customer provides Lloyd’s with his or her consent to the collection, use and disclosure of their personal information, including that previously collected, in accordance with Lloyd’s personal information protection policy, and for the following purposes,

  • communication with Lloyd’s policyholders
  • communication with brokers or agents, dealers, repair centres, and other similar entities
  • the underwriting of policies
  • the evaluation of claims
  • the detection and prevention of fraud
  • the analysis of business results
  • purposes required or authorized by law
  • to keep You informed about Your Policy and other products
  • collecting amounts that You owe to Us, Our brokers or agents, or to repair centres.

Your personal Information may be disclosed to Lloyd’s related or affiliated organisations or companies, their agents/mandataries, and to certain non-related or unaffiliated organisations or companies who are contractually obligated to keep personal information confidential, and to use it only for the purposes for which We disclose it to them. Your personal information may be transferred to or accessed by Our offices, affiliates and service providers based outside Canada in the United Kingdom and in the United States of America, and may be subject to access by the government, courts, law enforcement or regulatory agencies of those jurisdictions. Further information about Lloyd’s personal information protection policy may be obtained from Your broker or agent, Olive, at 1-833-654-8322 or through info@olive.ca or by contacting Lloyd’s at 514-861-8361, 1.877.455.6937 or through info@lloyds.ca.

IV.     Lloyd’s Policyholders’ Complaint Protocol

Lloyds strives to enhance your customer experience with Approved Vehicle through superior service and innovative insurance products.

We have developed a formal complaint handling protocol in accordance with the Insurance Companies Act (Canada) to ensure Your concerns as Our valued customer are addressed expeditiously by Our representatives. This protocol will assist You in understanding the steps We will undertake to help resolve any dispute which may arise with Our product or service. All complaints will be handled in a professional manner. All complaints will be investigated, acted upon, and responded to in writing or by telephone by a Lloyd’s representative promptly after the receipt of the complaint. If You are not satisfied with our products or services, You can take the following steps to address the issue:

  • Firstly, please contact Olive, who arranged the insurance on Your behalf, about Your concerns so that it may have the opportunity to help resolve the situation.
  • If Olive as Your broker or agent is unable to help resolve Your concerns, We ask that you provide us in writing an outline of Your complaint along with the name of Your broker or agent and Your Policy number. Please forward Your complaint to:

Lloyd’s Underwriter

Attention: Complaints Officer

200 Bay Street, Suite 2930 Toronto, Ontario M5J 2J2 Tel: 1-877455-6937 Fax: (514) 861-0470

Email: info@lloyds.ca

Your complaint will be directed to the appropriate business contact for handling. They will write to You within two business days to acknowledge receipt of Your complaint and to let You know when You can expect a full response. If need be, We will also engage internal staff in Lloyd’s Policy Holder and Market Assistance Department in London, England, who will respond directly to You, and in the last stages, they will issue a final letter of position on Your complaint.

In the event that Your concerns are still not addressed to Your satisfaction, You have the right to continue Your pursuit to have Your complaint reviewed by the following organizations:

  • General Insurance Ombud Service (GIO): assists in the resolution of conflicts between insurance customers and their insurance companies. The GIO can be reached at: Toll Free Number: 1-877-225-0446 or on -line at giocanada.org
  • Autorité des marchés financiers (AMF): For Québec clients only. The regulation of insurance companies in Quebec is administered by the AMF. If You remain dissatisfied with the manner in which Your complaint has been handled, or with the results of the complaint protocol, You may send Your complaint to the AMF who will study Your file and who may recommend mediation, if it deems this action appropriate and if both parties agree to it. The AMF can be reached at: Toll Free Number: 1-877-525-0337.
  • Financial Consumer Agency of Canada (FCAC): provides consumers with accurate and objective information about financial products and services and informs Canadians of their rights and responsibilities when dealing with financial institutions. The FCAC also ensures compliance with the federal consumer protection laws that apply to banks and federally incorporated trust, loan, and insurance companies. The FCAC does not get involved in individual disputes. The FCAC can be reached at:

427 Laurier Avenue West, 6th Floor, Ottawa ON K1R 189

Services in English: 1-866-461-3222. Services in French: 1-866-461-2232.

On-line at www.fcac-adc.gc.ca

V.   Service of Suit Clause (Canada)

In any action to enforce the obligations of the Underwriters liable hereunder they can be designated or named as “Lloyd’s Underwriters” and such designation shall be binding on the Underwriters liable hereunder as if they had each been individually named as defendant. Service of such proceedings may validly be made upon the Attorney in Fact in Canada for Lloyd’s Underwriters, whose address for such service is:

200 Bay Street, Suite 2930 Toronto, Ontario M5J 2J2.

VI.  Sanction Limitation and Exclusion Clause

We shall not provide cover nor be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us or any member of Our group to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws, or regulations of any country.


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