Got Toys Insurance

SECTION A - THIRD PARTY LIABILITY

III EXCLUSIONS - Loss or Damage we do not insure (see pg 10)

We will not make any payment under Section A for:

any liability imposed by any Workers' Compensation law or plan upon any person insured by this section;
bodily injury to or death of any of your employees while they are operating or repairing the ATV;
loss or damage to property carried in or on the ATV or to any property you own or rent or have in your care, custody or control; or
Nor will we make any payment under Section A for:
1. bodily injury, death or property damage caused intentionally by or at the direction of any person insured by this policy;
2. bodily injury, death or property damage caused by nuclear energy hazards, except as provided for by The Saskatchewan Insurance Act or a successor act;
3. bodily injury or death for which insurance is payable under Part VIII of The Automobile Accident Insurance Act (Saskatchewan) or a successor act; or
4. bodily injury, death or property damage arising from the ownership, use or operation of any machinery or apparatus, including its equipment, mounted on or attached to the ATV while at the site where it is being used.

Please refer also to the General Provisions and Exclusions (Part 3) and the Statutory Conditions (Part 5) of this policy.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 7)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the ATV:
  1. is rented or leased to someone else, but if you let your employee use the ATV for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the ATV for driving another person who shares the cost of the trip;
    2. when you use the ATV for the occasional and infrequent transportation of your own employees; or
    3. when you use the ATV for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. We do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the ATV for the transportation of co-workers for your employer's business purposes;
  2. you use the ATV to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the ATV is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the ATV is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV which is being used without the consent of its owner. Where an ATVis owned by an organization, consent given by a person for whose regular use such ATV is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the ATV in the course of their business or while an operator of the ATV in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the ATV.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 28-33 for complete section in wording)

Statutory Conditions 1, 8, and 9 shall apply as policy conditions with respect to Coverage Section B. In these Statutory Conditions, unless the context otherwise requires, the word "Insured" means a person insured by this contract whether named or not, and the word "automobile" means "ATV" as defined in this contract.

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

SECTION B - PERSONAL ACCIDENT

V EXCLUSIONS (see pg 17-18)

This Policy does not cover death or disability in any way caused or contributed to by:

sickness or disease (except bacterial infection arising from bodily injury) or mental infirmity or emotional or psychological trauma;
war, whether declared or not, hostilities or any act of war or civil war;
radioactive contamination;
your taking part in Armed Forces service or operations;
your riding or driving in any kind of race or competitive event or practice;
your engaging in flying of any kind other than as a passenger;
you are not wearing a CSA or ULA or SNELL approved helmet
your suicide, self-destruction, attempted suicide or self destruction, or intentionally self-inflicted injury, while sane or insane;
1. any drug taken, administered or injected, except on the advice of or as directed by a licensed physician;
2. any alcoholic beverage consumed by you to the level of intoxication; or
3. any poison, chemical compound, gas or fumes voluntarily taken, administered, absorbed or inhaled;
your committing or attempting to commit a criminal act;
your voluntary exposure to unnecessary danger (except in an attempt to save human life); or
Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 7)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the ATV:
  1. is rented or leased to someone else, but if you let your employee use the ATV for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the ATV for driving another person who shares the cost of the trip;
    2. when you use the ATV for the occasional and infrequent transportation of your own employees; or
    3. when you use the ATV for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. We do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the ATV for the transportation of co-workers for your employer's business purposes;
  2. you use the ATV to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the ATV is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the ATV is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV which is being used without the consent of its owner. Where an ATVis owned by an organization, consent given by a person for whose regular use such ATV is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the ATV in the course of their business or while an operator of the ATV in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the ATV.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 28-33 for complete section in wording)

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

SECTION C - LOSS OR DAMAGE TO YOUR ATV

III EXCLUSIONS - Loss or Damage we do not insure (see pg 21)

We do not insure loss or damage under any subsection of Section C:
1. to treads or consisting of or caused by mechanical fracture or breakdown of any part of the ATV or by rusting, corrosion, wear and tear, freezing, or explosion within the combustion chamber, unless the loss or damage happens at the same time as other loss or damage for which you are insured under Section C, or is caused by fire, theft, vandalism or malicious acts for which you are insured under Section C;
2. caused by the conversion, embezzlement, theft or secretion by any person in lawful possession of the ATV under a mortgage, conditional sale, lease or other similar written agreement;
3. caused if you voluntarily give up title or ownership, whether or not you were persuaded to do so by any fraud, trick or false pretence;
4. caused directly or indirectly by contamination by radioactive material or by other atmospheric contaminants;
5. to tapes, discs, records or other media or to audio or video equipment not affixed to the ATV; or
6. caused directly or indirectly by war or warlike acts such as civil war, rebellion, revolution or insurrection.
We do not insure loss or damage under Subsections 1 (All Perils), 3 (Comprehensive) or 4 (Specified Perils):
1. caused by theft by any person living in your home or by any employee of yours who maintains, repairs or uses the ATV, even if the theft occurs when the employee is off duty;
2. caused by theft of tools, chains or repair equipment, unless the entire ATV is stolen;
3. caused by theft of equipment of the ATV unless such equipment is in or on the ATV or in your home at the time the theft occurs; or
4. caused by and confined to soiling of upholstery or scratching of any part of the ATV, unless such loss or damage is the result of other loss insured under Subsections 1, 3 or 4.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 7)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the ATV:
  1. is rented or leased to someone else, but if you let your employee use the ATV for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the ATV for driving another person who shares the cost of the trip;
    2. when you use the ATV for the occasional and infrequent transportation of your own employees; or
    3. when you use the ATV for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. We do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the ATV for the transportation of co-workers for your employer's business purposes;
  2. you use the ATV to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the ATV is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the ATV is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV which is being used without the consent of its owner. Where an ATVis owned by an organization, consent given by a person for whose regular use such ATV is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the ATV in the course of their business or while an operator of the ATV in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the ATV.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any ATV when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 28-33 for complete section in wording)

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

SECTION A - THIRD PARTY LIABILITY

III EXCLUSIONS - Loss or Damage we do not insure (see pg 10-11)

We will not make any payment under Section A for:

any liability imposed by any Workers' Compensation law or plan upon any person insured by this section;
bodily injury to or death of any of your employees while they are operating or repairing the snowmobile;
loss or damage to property carried in or on the snowmobile or to any property you own or rent or have in your care, custody or control; or
bodily injury, death or property damage arising out of the ownership, use or operation of the described snowmobile or a newly acquired snowmobile if, at the time of the occurrence causing the bodily injury, death or damage, such snowmobile is not properly registered in Saskatchewan or does not have valid licence insurance, unless you establish that for the whole time during the policy period while such snowmobile was not so registered or was without valid licence insurance, it was in continuous storage and not used.
Nor will we make any payment under Section A for:
1. bodily injury, death or property damage caused intentionally by or at the direction of any person insured by this policy;
2. bodily injury, death or property damage caused by nuclear energy hazards, except as provided for by The Saskatchewan Insurance Act or a successor act;
3. bodily injury or death for which insurance is payable under Part VIII of The Automobile Accident Insurance Act (Saskatchewan) or a successor act; or
4. bodily injury, death or property damage arising from the ownership, use or operation of any machinery or apparatus, including its equipment, mounted on or attached to the snowmobile while at the site where it is being used, but this exclusion does not apply to a snowmobile properly registered in Saskatchewan.

Please refer also to the General Provisions and Exclusions (Part 3) and the Statutory Conditions (Part 5) of this policy.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 8)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the snowmobile:
  1. is rented or leased to someone else, but if you let your employee use the snowmobile for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the snowmobile for driving another person who shares the cost of the trip;
    2. when you use the snowmobile for the occasional and infrequent transportation of your own employees; or
    3. when you use the snowmobile for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. Where the snowmobile is properly registered in Saskatchewan,we do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the snowmobile for the transportation of co-workers for your employer's business purposes;
  2. you use the snowmobile to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the snowmobile is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the snowmobile is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile which is being used without the consent of its owner. Where a snowmobile is owned by an organization, consent given by a person for whose regular use such snowmobile is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the snowmobile in the course of their business or while an operator of the snowmobile in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the snowmobile.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 31-36 for complete section in wording)

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

SECTION B - PERSONAL ACCIDENT

V EXCLUSIONS (pg 19-20)

This Policy does not cover death or disability in any way caused or contributed to by:

sickness or disease (except bacterial infection arising from bodily injury)or mental infirmity or emotional or psychological trauma;
war, whether declared or not, hostilities or any act of war or civil war;
radioactive contamination;
your taking part in Armed Forces service or operations;
your riding or driving in any kind of race or competitive event or practice;
your engaging in flying of any kind other than as a passenger;
you are not wearing a CSA or ULA or SNELL approved helmet;
your suicide, self-destruction, attempted suicide or self destruction, or intentionally self-inflicted injury, while sane or insane;
1. any drug taken, administered or injected, except on the advice of or as directed by a licensed physician;
2. any alcoholic beverage consumed by you to the level of intoxication; or
3. any poison, chemical compound, gas or fumes voluntarily taken, administered, absorbed or inhaled;
your committing or attempting to commit a criminal act;
your voluntary exposure to unnecessary danger (except in an attempt to save human life); or
Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC) howsoever this syndrome has been acquired or may be named.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 8)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the snowmobile:
  1. is rented or leased to someone else, but if you let your employee use the snowmobile for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the snowmobile for driving another person who shares the cost of the trip;
    2. when you use the snowmobile for the occasional and infrequent transportation of your own employees; or
    3. when you use the snowmobile for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. Where the snowmobile is properly registered in Saskatchewan,we do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the snowmobile for the transportation of co-workers for your employer's business purposes;
  2. you use the snowmobile to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the snowmobile is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the snowmobile is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile which is being used without the consent of its owner. Where a snowmobile is owned by an organization, consent given by a person for whose regular use such snowmobile is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the snowmobile in the course of their business or while an operator of the snowmobile in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the snowmobile.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 31-36 for complete section in wording)

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

SECTION C - LOSS OR DAMAGE TO YOUR SNOWMOBILE

III EXCLUSIONS - Loss or Damage we do not insure (pg 23-24)

We do not insure loss or damage under any subsection of Section C:
1. to treads or consisting of or caused by mechanical fracture or breakdown of any part of the snowmobile or by rusting, corrosion, wear and tear, freezing, or explosion within the combustion chamber, unless the loss or damage happens at the same time as other loss or damage for which you are insured under Section C, or is caused by fire, theft, vandalism or malicious acts for which you are insured under Section C;
2. caused by the conversion, embezzlement, theft or secretion by any person in lawful possession of the snowmobile under a mortgage, conditional sale, lease or other similar written agreement;
3. caused if you voluntarily give up title or ownership, whether or not you were persuaded to do so by any fraud, trick or false pretence;
4. caused directly or indirectly by contamination by radioactive material or by other atmospheric contaminants;
5. to tapes, discs, records or other media or to audio or video equipment not affixed to the snowmobile;
6. to the described snowmobile or a newly acquired snowmobile if, at the time the loss or damage occurs, such snowmobile is not properly registered in Saskatchewan unless you establish that for the whole time during the policy period while it was not so registered it was in continuous storage and not used; or
7. caused directly or indirectly by war or warlike acts such as civil war, rebellion, revolution or insurrection.
We do not insure loss or damage under Subsections 1 (All Perils), 3 (Comprehensive) or 4 (Specified Perils):
1. caused by theft by any person living in your home or by any employee of yours who maintains, repairs or uses the snowmobile, even if the theft occurs when the employee is off duty;
2. caused by theft of tools, chains or repair equipment, unless the entire snowmobile is stolen;
3. caused by theft of equipment of the snowmobile unless such equipment is in or on the snowmobile or in your home at the time the theft occurs; or
4. caused by and confined to soiling of upholstery or scratching of any part of the snowmobile, unless such loss or damage is the result of other loss insured under Subsections 1, 3 or 4.

Please refer also to the General Provisions and Exclusions (Part 3) and the Statutory Conditions (Part 5) of this policy.

PART 3 - GENERAL PROVISIONS AND EXCLUSIONS (see pg 8)

II EXCLUSIONS - Losses we do not insure

The following exclusions apply to all coverages. Other exclusions applying to each coverage section are set out in Part 4.

Excluded Uses:
1. Unless we expressly give coverage by endorsement, there is no insurance under this policy while the snowmobile:
  1. is rented or leased to someone else, but if you let your employee use the snowmobile for your business purposes, we do not consider this to be renting or leasing;
  2. is used to carry explosives or to carry radio-active material for research, education, development or industrial purposes, or for purposes incidental to any of these; or
  3. is being used as a taxicab, public bus or otherwise being used to carry passengers for which you receive any kind of payment. We do not consider the following to be carrying passengers for payment:
    1. the occasional and infrequent use of the snowmobile for driving another person who shares the cost of the trip;
    2. when you use the snowmobile for the occasional and infrequent transportation of your own employees; or
    3. when you use the snowmobile for the occasional and infrequent transportation of clients or customers or prospective clients or customers.
2. Where the snowmobile is properly registered in Saskatchewan,we do not consider the following to be carrying passengers for payment within the meaning of clause II (1)(a)(iii) of this Part if:
  1. you use the snowmobile for the transportation of co-workers for your employer's business purposes;
  2. you use the snowmobile to drive others to or from their place of business or school, but only while you are also driving yourself to or from your place of business or school;
  3. the snowmobile is used for the transportation of teachers, students or others to or from school or events connected with a school program; or
  4. the snowmobile is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).
Consent of Owner: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile which is being used without the consent of its owner. Where a snowmobile is owned by an organization, consent given by a person for whose regular use such snowmobile is provided will be considered as consent given by its owner.
Garage Personnel Excluded: We will not make any payment for any loss, damage, injury or death sustained by any garage personnel while using, operating or working on the snowmobile in the course of their business or while an operator of the snowmobile in the course of their business, unless the person sustaining the loss, damage, injury or death is the owner of the snowmobile.
Approved Helmet: The insurance provided by this policy does not apply to any person, whether named as Insured or not, who is an operator of any snowmobile when not wearing a CSA or ULA or SNELL approved helmet.

PART 5 - STATUTORY CONDITIONS (See pg 31-36 for complete section in wording)

Prohibited Use By Insured

1. The Insured shall not drive or operate the automobile:
  1. while under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. unless he is for the time being either authorized by law or qualified to drive or operate the automobile;
  3. while he is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  4. for any illicit or prohibited trade or transportation; or
  5. in any race or speed test.
2. The Insured shall not permit, suffer, allow or connive at the use of the automobile:
  1. by any person under the influence of intoxicating liquor or drugs to such an extent as to be for the time being incapable of the proper control of the automobile;
  2. by any person:
    1. unless that person is for the time being either authorized by law or qualified to drive or operate the automobile; or
    2. while that person is under the age of sixteen years or under such other age as is prescribed by the law of the province in which he resides at the time this contract is made as being the minimum age at which a licence or permit to drive an automobile may be issued to him;
  3. for any illicit or prohibited trade or transportation; or
  4. in any race or speed test.

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