Common use of Excluded Uses Clause in Contracts

Excluded Uses. (a) Unless we expressly give coverage by endorsement, there is no insurance under this policy while the snowmobile: (i) 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; (ii) 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 (iii) 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: (A) the occasional and infrequent use of the snowmobile for driving another person who shares the cost of the trip; (B) when you use the snowmobile for the occasional and infrequent transportation of your own employees; or (C) when you use the snowmobile for the occasional and infrequent transportation of clients or customers or prospective clients or customers. (b) 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: (i) you use the snowmobile for the transportation of co-workers for your employer’s business purposes; (ii) 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; (iii) the snowmobile is used for the transportation of teachers, students or others to or from school or events connected with a school program; or (iv) the snowmobile is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).

Excluded Uses. (a) Unless we expressly give coverage by endorsement, there is no insurance under this policy while the snowmobileATV: (i) is rented or leased to someone else, but if you let your employee use the snowmobile ATV for your business purposes, we do not consider this to be renting or leasing; (ii) 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 (iii) 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: (A) the occasional and infrequent use of the snowmobile ATV for driving another person who shares the cost of the trip; (B) when you use the snowmobile ATV for the occasional and infrequent transportation of your own employees; or (C) when you use the snowmobile ATV for the occasional and infrequent transportation of clients or customers or prospective clients or customers. (b) Where the snowmobile is properly registered in Saskatchewan, we 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: (i) you use the snowmobile ATV for the transportation of co-workers for your employer’s business purposes; (ii) you use the snowmobile 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; (iii) the snowmobile ATV is used for the transportation of teachers, students or others to or from school or events connected with a school program; or (iv) the snowmobile ATV is used for the transportation of passengers in connection with activities of religious or voluntary service organization(s).