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2. Benefits are not payable for additional rental fees charged by the commercial rental car agency for a replacement
rental car if required by you for the remainder of the rental period in the original rental car agreement.
3. Benefits do not apply to rental cars when the rental period is more than 31 consecutive days, or the rental period is
extended for more than 31 days by renewing or taking out a new rental car agreement with the same or another
commercial rental car agency for the same rental car or other vehicles.
4. Benefits are not payable for the cost of any insurance offered by or purchased through the commercial rental car
agency, even if such cost is mandatory or included in the price of the rental car.
5. Benefits do not apply to rental cars used to transport property or passengers for hire or compensation.
6. Benefits do not apply to rental cars which belong to the following categories:
• vans (except as defined below);
• trucks (including pick-ups) or any vehicle that can be spontaneously reconfigured into a pick-up truck;
• campers or trailers;
• vehicles towing or propelling trailers or any other object;
• off-road vehicles (sport utility vehicles are covered, provided they are not used as off-road vehicles, are driven on
publicly maintained roads and do not have an open cargo bed);
• motorcycles, mopeds or motorbikes;
• expensive or exotic vehicles, which include any vehicle with an MSRP, in its model year, greater than $65,000;
• antique vehicles, which include any vehicle over 20 years old or when its model has not been manufactured for
10 years or more;
• recreational vehicles or vehicles not licensed for road use;
• leased vehicles, with buyback guarantee;
• limousines, however, standard production models of these vehicles that are not used as limousines are not
excluded provided that it has an MSRP, in its model year, of $65,000 or less;
• Vans are not excluded provided that they:
o are for private passenger use with seating for no more than eight occupants including the driver; and
o do not exceed a “3/4 ton” rating; and
o are not designed for recreational use (such as but not limited to camping, operation on roads not maintained by
a federal, provincial, state or local authority and is designed and manufactured for off road use); and
o are not to be used for hire by others.
7. The insurer will not pay any benefits if a claim is incurred due to, contributed to by, or resulting from:
• Damage - wear and tear, gradual deterioration, mechanical or electrical breakdown or failure, insects or vermin,
inherent flaw or damage, damage caused by the use of incorrect fuel type;
• Loss of Rental Car Entry Device – loss, damage or misplacement of the rental car entry devices;
• Diminished Value - the amount by which the resale value of a damaged (or damage repaired) rental car has been
reduced for having a significant damage history;
• Violation of Rental Car Agreement - operation of the rental car in violation of the terms of the rental car
agreement;
• Intentional Acts - damage due to intentional acts;
• Off-road operation – damage caused to the rental car by use off of publicly maintained roads;
• Speed Contests - damage caused to the rental car while driving at a rate of speed that is a marked departure from
the lawful rate of speed;
• Intoxication - any event which occurs while you are under the influence of illicit drugs or alcohol (where the
concentration of alcohol in your blood exceeds 80 milligrams of alcohol in 100 millilitres of blood) or when you
illustrate a visible impairment due to alcohol or illicit drugs;
• Drugs or Poison - any voluntary taking of poison, toxic substances or non-toxic substances or drugs, sedatives or
narcotics, whether illicit or prescribed, in such quantity that they become toxic, or voluntary inhalation of a gas;
• Disease - bodily or mental infirmity, sickness, illness, or disease of any kind;
• Medical Complications - medical or surgical treatment or complications arising therefrom, except when required as
a direct result of an accidental bodily injury;
• Suicide - suicide, attempted suicide or self-inflicted injury;
• Illegal Trade - transporting contraband or illegal trade;
• Criminal Offence - committing or attempting to commit a criminal offence or dishonest or fraudulent acts, or
committing or provoking an assault;
• War or Insurrection - declared or undeclared war, or any act of war, act of terrorism, riot or insurrection; or service
in the armed forces of any country or international organization; or hostilities, rebellion, revolution or usurped power;
• Liability - other than for loss of, or damage to, the
rental car;
• Expenses - assumed waived or paid by the commercial car rental agency or its insurers or payable under any
other insurance;
• Confiscation - confiscation by order of any government or public authority;
• Seizure or Destruction - seizure or destruction under a quarantine or customs regulation;