Loss or Damage Not Insured. We do not insure:
Loss or Damage Not Insured. You are not insured against claims for bodily injury to or damage to the property of others, arising from:
Loss or Damage Not Insured. Except as listed below, all exclusions from Section I of this policy apply to this form. We do not insure:
Loss or Damage Not Insured. You are not insured for claims arising from:
Loss or Damage Not Insured. “We” do not insure loss or damage caused directly or indirectly by:
Loss or Damage Not Insured. All exclusions from Section I of this policy apply to this form We will pay for insured loss or damage up to your financial interest in the property but not exceeding the applicable amount(s) of insurance for any loss or damage arising out of one occurrence. Any payments made for loss or damage shall not reduce the amounts of insurance provided by this policy.
Loss or Damage Not Insured. Under each Insured Peril, exclusions specific to that peril or coverage are listed. Regardless of the peril involved:
1. We will not be liable for loss or damage:
a. to tires or consisting of or caused by mechanical fracture or breakdown of any part of the unit, or by rusting, corrosion, wear and tear, freezing, or explosion within the combustion chamber, but we will be liable if the loss or damage is coincident with other loss or damage which is covered;
b. resulting from conversion, embezzlement or by theft by any person in lawful possession of the unit under a mortgage, conditional sale, lease or any other similar written agreement;
c. resulting from a voluntary transfer of title or ownership, whether or not induced to do so by any fraudulent scheme, trick or false pretense; or
d. caused by war, invasion, act of a foreign enemy, hostilities (whether war be declared or not), civil rebellion, revolution, insurrection or military power.
2. We will not pay for loss or damage caused in an incident:
a. if you are unable to maintain proper control of the vehicle because you are driving under the influence of intoxicating substances;
b. if you are convicted of one of the following offenses under the Criminal Code of Canada relating to the operation, care or control of the vehicle, or committed by means of a vehicle, or any similar offence under any law in Canada or the United States:
(i) causing death by criminal negligence;
(ii) causing bodily harm by criminal negligence;
(iii) dangerous operation of motor vehicles;
(iv) failure to stop at the scene of an accident;
(v) operation of a motor vehicle when impaired or with more than 80 mg of alcohol in the blood;
(vi) refusal to comply with demand for breath sample;
(vii) causing bodily harm during operation of motor vehicle while impaired or over 80 mg of alcohol in the blood; or
(viii) operating a motor vehicle while disqualified from doing so;
c. if you use or permit the vehicle to be used in a race or speed test, or for illegal activity;
d. if you drive the vehicle while not authorized by law; or
e. if another person, with your permission, drives the vehicle under any of these conditions.
Loss or Damage Not Insured. “We” do not insure loss or damage caused directly or indirectly by fire, explosion, smoke, “leakage” from fire protective equipment, theft, vandalism and malicious acts, “flood” of any nature, waves, high “water”, waterborne objects or ice, whether or not caused by or attributable to “earthquake”. “We” will pay for loss or damage to the property insured, caused by wind, hail, rain or snow entering a building through an opening in the roof or walls resulting directly from an “earthquake”.
