AMERICAN EXPRESS BUSINESS EDGE™ CARD

CERTIFICATES OF INSURANCE

AMERICAN EXPRESS

BUSINESS EDGE™ CARD

TABLE OF CONTENTS

Car Rental Theft and Damage Insurance ............................................................. 2

Buyer’s Assurance

Protection Plan ................................................................... 10

Purchase Protection

Plan .................................................................................. 15

Employee Card Misuse Protection ..................................................................... 20

Customer Service Numbers ............................................................................... 24

CAR RENTAL THEFT

AND DAMAGE INSURANCE

Effective Date of this Certiﬁcate:

October 15, 2019

Royal & Sun Alliance Insurance Company of Canada (referred to in this

Certiﬁcate as the “Company”) provides the insurance for this Certiﬁcate under

Master Policy PSI018515861 (referred to in this Certiﬁcate as the “Policy”) issued

to Amex Bank of Canada (referred to in this Certiﬁcate as the “Policyholder”).

This Certiﬁcate is not a contract of insurance and contains only a summary of the

principal provisions of the Policy. A Cardmember or a claimant under the Policy

or Group Policy may, on request to the Company, obtain a copy of the Policy or

Group Policy, subject to certain access limitations permitted by applicable law.

All beneﬁts are subject in every respect to the Policy which alone constitutes the

Agreement under which payments are made. This coverage may be cancelled,

changed or modiﬁed at the option of the Company or the Policyholder at any time

without notice. This Certiﬁcate replaces any and all certiﬁcates previously issued

to the Cardmember with respect to the Policy.

This Certiﬁcate of insurance outlines what Car Rental Theft and Damage

Insurance is and what is covered along with the conditions under which a payment

will be made when a Cardmember rents and operates a Rental Auto but does

not accept the Collision Damage Waiver (CDW), Loss Damage Waiver (LDW),

or their equivalent offered by a Rental Agency. It also provides instructions on

how to make a claim. This Certiﬁcate should be kept in a safe place and carried

with the Cardmember when they travel.

The Cardmember should check with their personal automobile insurer and the

Rental Agency to ensure that they and all other drivers have adequate third party

liability, personal injury and damage to property coverage. This Certiﬁcate only

covers theft, loss or damage to the Rental Auto as stipulated herein.

IMPORTANT - PLEASE READ THE ENTIRE CERTIFICATE

CAREFULLY:

A Rental Agency has no obligation to explain the Car Rental Theft and

Damage Insurance coverage to the Cardmember. It is important to note that

a Rental Agency may not classify vehicles, especially Mini-Vans, in the same

manner as the Company. The Cardmember should conﬁrm with Royal &

Sun Alliance Insurance Company that their Rental Auto has coverage under

this Certiﬁcate. Conﬁrmation of coverage under the Policy or any questions

concerning the details included herein, should be directed to the Company at

1-800-243-0198 (in Canada or the United States) or call collect 905-475-4822

(elsewhere in the world).

When the value of the Rental Auto, in its model year, is over the Manufacturer’s

Suggested Retail Price (MSRP) of eighty-ﬁve thousand dollars ($85,000) Canadian

excluding all taxes, at the place the Rental Agreement is signed or where the

Rental Auto is picked up, no coverage will be provided under this Certiﬁcate.

PART I DEFINITIONS

The terms set out below, wherever they appear in this Certiﬁcate, shall be

interpreted as follows:

“Actual Cash Value” means what the vehicle is worth on the date of the

theft, loss and damage and takes into account such things as depreciation and

obsolescence. In determining depreciation, the Company will consider the

condition of the Rental Auto immediately before the theft, loss and damage

occurred, the standard market resale value and normal life expectancy.

“Antique” means a vehicle over 20 years old or which has not been manufactured

for 10 years or more.

“Card” means an American Express Business Edge

™

Card.

“Cardmember” means a holder of a valid Basic or Supplementary Card from

American Express issued in Canada by Amex Bank of Canada who pays for the

rental(s) by using the valid Amex Bank of Canada Card.

“Coverage Period” means the period of time not to exceed more than forty-eight

(48) consecutive days, commencing at the time the Cardmember legally takes

control of the Rental Auto and ends at the time the Rental Agency resumes control

of the Rental Auto. If the Cardmember rents a vehicle for longer than forty-eight

(48) consecutive days, there will be no coverage under this insurance, including

the ﬁrst forty-eight (48) days. Coverage cannot be extended for more than forty-

eight (48) days by renewing or taking out a new Rental Agreement with the same

or another Rental Agency for the same or another vehicle. A full calendar day

between rentals must exist in order to break the 48 consecutive day cycle.

“Eligible Person” means a Cardmember and Secondary Drivers, while

covered under this Certiﬁcate.

“Exotic” means any automobile which is not a standard Rental Auto offered

by most of the Rental Agencies in the province or state, or in a country without

provinces or states, where the vehicle was rented or is a vehicle totally or partially

custom made, hand made, hand ﬁnished or is a vehicle of limited production

(under 2,000 vehicles per year by the manufacturer). Exotic automobiles include,

but are not limited to the following models: Aston Martin, Bentley, Bricklin,

Daimler, De Lorean, Excalibur, Ferrari, Jaguar, Jensen, Lamborghini, Lotus,

Maserati, Porsche, Rolls Royce and limousines.

“Expensive” means any vehicle with, in its model year, a Manufacturer’s

Suggested Retail Price (MSRP) excluding all taxes, over eighty-ﬁve thousand

dollars ($85,000) Canadian, at the place the Rental Agreement is signed or the

Rental Auto is picked up.

“Loss of Use” means the amount paid to a Rental Agency to compensate it when

a Rental Auto is unavailable for rental while undergoing repairs for damage

incurred during the Coverage Period.

“Mini-Van” means a vehicle which is designed and made by an automobile

manufacturer as a mini-van, which has a manufacturer’s list Gross Vehicle

Weight of not more than 5955 pounds or 2680 kilograms. It is exclusively

made to transport a maximum of eight (8) people including the driver. It is used

exclusively for transportation of passengers and their luggage and will not be

used by the Cardmember for transportation of passengers for hire. It includes

but is not limited to the following models: Ford Freestar, Chevrolet Astro, GMC

Safari, Dodge Caravan, Honda Odyssey, Toyota Sienna and Nissan Quest.

“Gross Vehicle Weight” means the weight of the complete Mini-Van plus the

maximum load that it has been designed to carry.

“Off-Road Vehicle” means any vehicle while it is being operated on a road not

maintained by a federal, provincial, state, or local agency, not including an ingress

or egress to private property, or any vehicle which cannot be licensed to drive on

a public road and is designed and manufactured primarily for off-road usage.

“Principal Driver” means the person (the principal driver must also be the

Cardmember) who drives the Rental Auto the majority of the time during the

Coverage Period.

“Rental Agency” means an auto rental agency licensed under the law of the

applicable jurisdiction which provides a Rental Agreement.

“Rental Agreement” means the written contract between the Cardmember and

the Rental Agency for the Rental Auto.

“Rental Auto” means an automobile not rented in excess of the Coverage Period

from a Rental Agency, that is not an Antique, Expensive, or Exotic automobile,

nor a truck, Off-Road Vehicle, motorcycle, moped, recreational vehicle, camper,

trailer, nor a van, but certain Mini-Vans are covered.

“Secondary Drivers” means any drivers who are not the Principal Driver of the

Rental Auto who are permitted to operate the Rental Auto by the Cardmember

(the Principal Driver) and provided they are permitted to operate the Rental

Auto in accordance with the Rental Agreement, while covered under this

Certiﬁcate.

“Tax-Free Car” means a tax-free car package that provides tourists with a short-

term (17 days to 6 months), tax-free vehicle lease agreement with a guaranteed

buyback.

PART II TERM OF COVERAGE

A. WHEN COVERAGE BEGINS

All coverage for eligible Cardmembers will take effect at the time the

Cardmember legally takes control of the Rental Auto.

B. WHEN COVERAGE ENDS:

A Cardmember’s coverage will end at the earliest of the following:

1. Rental Agency resumes control of the Rental Auto;

2. When a Cardmember is no longer deﬁned as a Cardmember or

Principal Driver as stated in this Certiﬁcate;

3. The date on which the Policy is cancelled except that coverage in effect at

the time of such cancellation will be continued on outstanding rentals until

the Cardmember returns the Rental Auto to the Rental Agency, provided

the total rental period does not exceed the Coverage Period;

Please note that the Cardmember’s responsibility for the RentalAgreement

does not terminate by simply dropping off the keys at the Rental Agency or other

drop box. Any damages between that time and the time the Rental Agency staff

complete their Inspection Report will be held to the Cardmember’s responsibility,

so whenever possible the Cardmember should arrange to be present when the

Rental Agency conducts their ﬁnal inspection of the Rental Auto.

PART III DESCRIPTION OF COVERAGE

The Car Rental Theft and Damage Insurance compensates the Cardmember

or a Rental Agency for theft, loss and damage, up to the Actual Cash Value

of the Rental Auto and valid Rental Agency Loss of Use charges when the

conditions described below are met. The following conditions must be satisﬁed

for coverage to be in effect:

1. A Cardmember must initiate and complete the entire rental transaction

with the same valid Card. The full cost, including applicable taxes, of

the rental, must be charged to their Card. Rental Autos which are part of

prepaid travel packages are also covered if the total package was paid for

using the Cardmember’s Card;

2. A Cardmember is covered if they receive a “free rental” as a result of a

promotion, where they have had to make previous vehicle rentals if each

such previous rental was entirely paid for with the Cardmember’s Card

and the applicable taxes for the “free rental” have been charged to the

Cardmember’s Card;

3. A Cardmember is covered if they receive a “free rental” day(s) as a result

of the Card reward program for the number of days of free rental and the

applicable taxes have been charged to their Card. If the free rental day(s) are

combined with rental days for which the Cardmember must pay, the entire

additional payment including taxes must be paid for using their Card;

4. A Cardmember is covered if points earned under their Card reward

program are used to pay for the rentals and the applicable taxes have been

charged to their Card. However, if only a partial payment is paid using

the Card rewards program, the entire additional payment of that rental,

including any applicable taxes, must be paid for using their Card in order

to be covered;

5. Only a Cardmember can rent the vehicle and decline the Rental Agency’s

CDW, LDW or an equivalent coverage offering. Anyone other than the

Cardmember doing so would void coverage;

6. A Cardmember is covered for any car, sport utility vehicle, and Mini-

Va n , in its model year, with a Manufacturer’s Suggested Retail Price

(MSRP) under eighty-ﬁve thousand dollars ($85,000) Canadian, excluding

all taxes, at the place the Rental Agreement is signed or where the Rental

Auto is picked up, with the exception of those listed and described in

the exclusion section titled “The following vehicles are excluded from

coverage under this Certiﬁcate”;

7. A Cardmember is covered when only one Rental Auto is rented at a time,

i.e. if during the same period there is more than one vehicle rented by the

Cardmember, only the ﬁrst rental will be eligible for these beneﬁts;

8. The Cardmember must decline the Rental Agency’s CDW, LDW or similar

coverage offered by the Rental Agency on the rental contract. If there is no

space on the vehicle rental contract for the Cardmember to indicate that

they have declined the coverage, then they should indicate in writing on the

contract “I decline the CDW provided by the Rental Agency”;

9. The length of time the Cardmember rents the same vehicle must

not exceed 48 consecutive days, which includes instances where the

Cardmember is renting one vehicle immediately after the other. A full

calendar day between rentals must exist in order to break the 48 consecutive

day cycle. If the rental period exceeds 48 consecutive days, coverage will

not be provided from the ﬁrst day of rental onwards;

10. The Cardmember and/or Eligible Person has not been indemniﬁed for

damages or expenses covered under the Policy by or through personal

insurance.

When a Cardmember does not have the option available to decline the Rental

Agency’s CDW, LDW or similar provision, the Company will pay for covered

theft, loss and damage up to the limit of the deductible stipulated in the Rental

Agency’s CDW, LDW or similar provision, purchased by the Cardmember.

This shall not be construed to provide coverage where the Rental Agency is

responsible by legislation or law for any damage to the Rental Auto.

PART IV EXCLUSIONS

This Certiﬁcate does not cover losses to automobiles or other vehicles which are not

Rental Autos, or losses arising from, caused by, or which contributed to:

1. Third party liability;

2. Damages or expenses assumed, waived, or that may be paid by the

Rental Agency, or by its insurer pursuant to any direct compensation

agreement or other applicable sections of provincial insurance acts;

3. Personal injury or damage to property, except the Rental Auto itself or

its equipment;

4. Replacement vehicle for which an automobile insurance is covering

all or part of the cost of the rental;

5. The operation of the Rental Auto at any time during the Coverage

Period where an Eligible Person is driving while intoxicated or under

the inﬂuence of any illegal or prescribed (if advised not to operate a

vehicle) narcotic;

6. Any dishonest, fraudulent or criminal act committed by any Eligible

Person or at their direction;

7. Participation in any race or speed test.

8. The use of a fuel type or octane level that differs from the

manufacturer’s recommended fuel for that Rental Auto;

9. Normal wear and tear, gradual deterioration, or mechanical or

electrical breakdown or failure, inherent vice or damage, insects or

vermin;

10. The operation of the Rental Auto in violation of the terms of the

Rental Agreement except:

(a) Eligible Person as deﬁned may operate the Rental Auto;

(b) The Rental Auto may be driven on publicly maintained gravel roads;

boundaries in Canada and the U.S. and between Canada and the U.S.

N.B. It must be noted that theft, loss and damage arising while the Rental

Auto is being operated under (a), (b) or (c) above is covered by this insurance,

subject however to all other terms, conditions and exclusions contained in

this Certiﬁcate. However, the Rental Agency’s third party liability insurance

may not be in force and, as such, a Cardmember must ensure that they are

adequately insured privately for third party liability.

11. Seizure or destruction under a quarantine or customs regulations

or conﬁscation by order of any government or public authority; the

damage between the time of seizure, conﬁscation or quarantine and

the time the Rental Agency staff complete their Inspection Report

will be held to be the Cardmember’s responsibility, so whenever

possible they should arrange to be present when the Rental Agency

conducts their ﬁnal inspection of the vehicle;

12. The transportation of contraband or illegal trade;

13. War, hostile or warlike action, insurrection, rebellion, revolution, civil

war, usurped power, or action taken by government or public authority

in hindering, combating or defending against such action;

14. The transportation of property or passengers for hire;

15. Nuclear reaction, nuclear radiation, or radioactive contamination, any

weapon of war employing atomic ﬁssion or a radioactive force;

16. Intentional damage to the Rental Auto by an Eligible Person or at

their direction;

17. The loss, damage or misplacement of vehicle entry devices including

keys and remote control devices or any related consequential loss,

damage or expense.

The following vehicles are excluded from coverage under this Certiﬁcate:

1. Any vehicle, in its model year, with a Manufacturer’s Suggested Retail

Price (MSRP) over eighty-ﬁve thousand dollars ($85,000) Canadian,

excluding all taxes, at the place the Rental Agreement is signed or

where the Rental Auto is picked up;

2. Vans, cargo vans or mini cargo vans (other than Mini-Vans);

3. Trucks, pick-up trucks or any vehicle that can be spontaneously

reconﬁgured into a pick-up truck;

4. Limousines;

5. Off-Road Vehicles;

6. Motorcycles, mopeds or motor bikes;

7. Trailers, campers, recreational vehicles or vehicles not licensed for

road use;

8. Vehicles towing or propelling trailers or any other object;

9. Mini-buses or buses;

10. Exotic vehicles, meaning vehicles such as but not limited to, Aston

Martin, Bentley, Bricklin, Daimler, De Lorean, Excalibur, Ferrari,

Jaguar, Jensen, Lamborghini, Lotus, Maserati, Porsche, Rolls Royce

and limousines;

11. Any vehicle which is either wholly or in part hand made, hand ﬁnished

or has a limited production of under 2,000 vehicles per year;

12. Antique vehicles, meaning a vehicle over twenty (20) years old or

which has not been manufactured for ten (10) years or more;

13. Tax-Free Cars.

PART V IN THE EVENT OF AN ACCIDENT/THEFT

All claims must be reported within 48 hours of the theft, loss and damage

occurring by calling 1-800-243-0198 (in Canada or the United States) or by

calling collect (905) 475-4822 (elsewhere in the world).

The Rental Auto must be carefully checked for scratches or dents before and

after the Cardmember rents the vehicle. They should be sure to point out where

the scratches or dents are located to a Rental Agency representative and have

him or her note these on the appropriate form and retain a copy for their records.

If the Rental Auto has sustained damage of any kind during the Coverage

Period, the Cardmember must immediately phone one of the numbers provided

and must not sign a blank sales draft to cover the damage and Loss of Use charges

or a sales draft with an estimated cost of repair and Loss of Use charges.

It is important to note that the Cardmember will remain responsible for the theft,

loss and damage and that they may be contacted in the future to answer inquiries

during the claim process.

If a Cardmember is making a claim, their claim must be submitted with as much

documentation as possible, as requested below, within 45 days of discovering the

theft, loss and damage.

The following claim documentation is required:

• Statement(s) if requested;

• Sales draft showing that the Rental Auto was paid in full with the Card, or

the sales draft showing the balance of charges for the rental if points earned

under the Card reward program were used to pay for part of the rental;

• A copy of both sides of the vehicle Rental Agreement;

• The accident or damage report, if available;

• The itemized repair bill;

• The receipt for paid repairs;

• The police report, when available, and if a police report is not legally

required in the jurisdiction in which the accident occurred, then the name,

badge number and division address of the police ofﬁcer contacted;

• A copy of the billing or pre-billing statement if any repair charges were

billed to the account.

Forward this documentation to:

Royal & Sun Alliance Insurance Company of Canada

Claims Management Services

2 Prologis Blvd., Suite 100

Mississauga, Ontario L5W 0G8

For all written and verbal correspondence, please include the Cardmember’s

name, the Policyholder’s name, and the Policy number PSI018515861.

LIMITATION PERIODS: Every action or proceeding against an insurer for

the recovery of insurance money payable under the contract is absolutely barred

unless commenced within the time set out in the Insurance Act (for actions or

proceedings governed by the laws of British Columbia, Alberta and Manitoba),

the Limitations Act, 2002 (for actions or proceedings governed by the laws of

Ontario), Article 2925 of the Civil Code of Quebec (for actions or proceedings

governed by the laws of Quebec), or other applicable legislation.

CANADIAN CURRENCY: All payments shall be payable in the lawful

currency of Canada. All beneﬁt limits indicated are in Canadian currency.

DISAGREEMENT OVER SIZE OF LOSS: If there is a disagreement about

the amount of the loss, either the Cardmember or the Company can make a

written demand for an appraisal. After the demand, the Cardmember selects

a competent appraiser and the Company selects a competent appraiser. After

examining the facts, each of the two appraisers will give an opinion on the

amount of the loss. If they do not agree, they will select an arbitrator. Any ﬁgure

agreed to by two of the three (the appraisers and the arbitrator) will be binding.

The Cardmember must pay the appraiser he or she chooses. The Company will

pay the appraiser they chose. The Cardmember will share with the Company the

cost of the arbitrator and the appraisal process.

SUBROGATION: To the extent the Company pays for a loss suffered by

a Cardmember, the Company will take over the rights and remedies the

Cardmember had relating to the loss. This is known as subrogation. The

Cardmember must help the Company preserve their rights against those

responsible for the Company’s loss. This may involve signing any papers and

taking any other steps the Company may reasonably require. If the Company

takes over a Cardmember’s rights, the Cardmember must sign an appropriate

subrogation form supplied by the Company.

SANCTIONS: The Insurer is required to comply with economic, ﬁnancial

and trade sanctions (“Sanctions”) imposed by Canada and may be required to

comply with Sanctions imposed by the United States in certain circumstances.

The Insurer is a member of the RSA Group whose principal insurance company

in the United Kingdom is required to comply with Sanctions imposed by the

European Union and the United Kingdom and the parties acknowledge that the

Insurer intends to adhere to the same standard. Accordingly, the Insurer shall

not provide any coverage or be liable to provide any indemnity or payment or

other beneﬁt under this Certiﬁcate of Insurance which would breach applicable

Sanctions imposed under the laws of Canada, the European Union, the United

Kingdom, or the United States.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the conﬁdentiality of your personal information. We will collect,

use and disclose personal information for the purposes identiﬁed in our Privacy

Policy. To obtain more information, you can review our Privacy Policy online at

www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2838

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

®, TM

Used by Amex Bank of Canada under license from American Express.

BUYER’S ASSURANCE

PROTECTION PLAN

Effective Date of this Certiﬁcate:

October 15, 2019.

Royal & Sun Alliance Insurance Company of Canada (referred to in this Certiﬁcate

as the “Company”) provides the insurance for this Certiﬁcate under Master Policy

PSI018966745 (referred to in this Certiﬁcate as the “Policy”) issued to Amex

Bank of Canada (referred to in this Certiﬁcate as the “Policyholder”). A copy of the

Master Policy is on ﬁle at Royal & Sun Alliance Insurance Company of Canada,

18 York Street, Suite 800, Toronto, ON, M5J 2T8.

This Certiﬁcate is not a contract of insurance and contains only a summary of the

principal provisions of the Policy. A Cardmember or a claimant under the Policy or

Group Policy may, on request to the Company, obtain a copy of the Policy or Group

Policy, subject to certain access limitations permitted by applicable law. All beneﬁts

are subject in every respect to the Policy which alone constitutes the agreement under

which payments are made.

The insurance provided under this Certiﬁcate is supplementary. This insurance

coverage is in excess of any other applicable, valid and collectible insurance indemnity

available to the Cardmember.

This Certiﬁcate of insurance outlines what the Buyer’s Assurance Protection Plan is

and what is covered along with the conditions under which a payment will be made to

a Cardmember. It also provides instructions on how to make a claim.

For any questions concerning the details included herein and to conﬁrm the coverage

provided under the Policy, please contact the Company at 1-800-243-0198 (in Canada

or the United States) or call collect 905-475-4822 (elsewhere in the world).

PART I DEFINITIONS

The terms set out below, wherever they appear in this Certiﬁcate, shall be

interpreted as follows:

“Business Property” means tangible, movable property, purchased with the

Card and used for business purposes only.

“Card” means a an American Express Business Edge

™

Card.

“Cardmember” means a holder of a valid Basic or Supplementary Card from

American Express issued in Canada by Amex Bank of Canada who pays for the

Item by using the valid Amex Bank of Canada Card.

“Item” means a new item (a pair or set being one item) of Business Property, or

gift, for which the full Purchase Price is charged to the Card.

“Manufacturer’s Warranty” means an expressly written warranty issued by the

manufacturer of the Item at the time of purchase. The manufacturer’s warranty

must be provided at no additional cost and be valid in Canada or the United States.

“Occurrence” means a loss or losses arising from a single event or incident

which is neither expected nor intended by the Cardmember.

“Other Insurance” means any and all policies of insurance, contracts of

indemnity, service contracts or warranties which provide additional coverage

to a Cardmember for loss or damage covered under the Buyer’s Assurance

Protection Plan.

“Purchase Price” means the actual cost of the Item, including any applicable

sales tax, as shown on the store receipt.

PART II DESCRIPTION OF COVERAGE

When a Cardmember charges the entire Purchase Price of an Item to their

Card, the Buyer’s Assurance Protection Plan will extend the terms of the original

Manufacturer’s Warranty for a period of time equal to the duration of the

original Manufacturer’s Warranty (excluding any extended warranty offered

by the manufacturer or any other party), up to one additional year on warranties

of ﬁve years or less that are eligible in Canada or in the United States. Coverage

is provided for product malfunction, defect or damage covered by the terms of the

Item’s original Manufacturer’s Warranty, at no additional cost.

Coverage takes effect immediately following the expiry of the Item’s original

Manufacturer’s Warranty, up to a maximum of one full year.

The beneﬁts provided under the Buyer’s Assurance Protection Plan apply only

to the Cardmember. Only the Cardmember has any legal or equitable right,

remedy, or claim to beneﬁts under the Buyer’s Assurance Protection Plan.

PART III LIMITATIONS

1. Indemniﬁcation for loss is limited to a maximum of $10,000 per Item (not

to exceed $25,000 per Cardmember per policy year for all Occurrences

and for all Items combined) and is further subject to the terms, conditions

and exclusions set forth in this Certiﬁcate.

2. The insurance provided under this Certiﬁcate is supplementary. This

Certiﬁcate is not a substitute for Other Insurance which also insures

against direct physical damage, malfunction or defect. This Certiﬁcate

will indemnify the Cardmember only to the extent that direct physical

damage, malfunction or defect is not covered by such Other Insurance.

3. The total liability of the Company for any Item under this Certiﬁcate shall

not exceed the Purchase Price of that Item.

4. Claims for Items belonging to a pair or set will be covered for the full

Purchase Price of the pair or set providing the Items are not useable

individually and cannot be replaced individually.

5. Valid claims will be settled, at the Company’s sole option, either by

replacing, repairing or rebuilding the Item or by cash payment in an

amount not to exceed the Purchase Price, subject always to the limits of

liability of the Company hereunder.

PART IV ADDITIONAL TERMS, CONDITIONS, RESTRICTIONS

AND EXCLUSIONS

1. There shall be no coverage or entitlement to beneﬁts under this Certiﬁcate

for loss arising from the following:

a. Any physical damage, including damage as a direct result of

natural disaster or a power surge, except to the extent the original

Manufacturer’s Warranty covers such damage;

b. Occurrences caused by any of the following:

I. Fraud,

II. Abuse,

III. War or hostilities of any kind (e.g. Invasion, rebellion insurrection),

IV. Conﬁscation by order of any government, public authority, or

customs ofﬁcial,

V. Risk of contraband,

VI. Illegal activity or acts,

VII. Radioactive contamination;

c. Negligence;

d. Improper installation or alteration;

e. Ancillary costs incurred in respect of an Item and not forming part of

the Purchase Price;

f. Inherent product defects;

g. Mechanical failure or product defects covered under product recall;

h. All Occurrences that take place outside the Buyer’s Assurance

Protection Plan coverage effective period.

2. There shall also be no coverage or entitlement to beneﬁts under this

Certiﬁcate for the following:

a. Products with Manufacturer’s Warranties not valid in Canada or the

United States;

b. Products which, at the time of purchase, are used, rebuilt, refurbished or

remanufactured, including demos;

c. Products covered by an unconditional satisfaction guarantee;

d. Motorized vehicles (such as cars, trucks, motorcycles, boats, airplanes)

and their parts (including batteries, carburetors, pipes, hoses, pistons,

brakes, tires, or mufﬂers);

e. Motorized devices and their parts used for agriculture, landscaping,

demolition or construction;

f. Improvements or upgrades to a residential or commercial property,

including but not limited to permanently afﬁxed goods. Business ﬁxtures,

including but not limited to air conditioners, refrigerators, heaters;

g. Loss or damage to electrical appliances or devices of any kind

(including wiring) when loss or damage is due to electrical currents

artiﬁcially generated, including arcing, unless ﬁre or explosion ensues

and then only for such loss and damage;

h. Land or buildings;

i. Jewellery;

j. Consumable or perishable items;

k. Animals or living plants;

l. One of a kind products which cannot be replaced;

m. Inventory, Items purchased for resale or Items that would form part of

a sellable product;

n. Sports equipment and goods where the loss or damage is due to the use

thereof;

o. Products with Manufacturer’s Warranties, or combined

Manufacturer’s Warranties and service plan agreements, lasting in

excess of ﬁve years;

p. The equipment Manufacturer’s Warranty is deﬁned as the basic

coverage offered by the manufacturer at the time of purchase. Buyer’s

Assurance Protection Plan is not applicable to additional coverages

purchased from the manufacturer or another party.

PART V NOTICE OF LOSS/ PROOF OF LOSS/ PAYMENT OF CLAIMS

The Cardmember must report their claim within 30 days from the date of

Occurrence. It is important to remember that the Cardmember must retain all

receipts and the original Manufacturer’s Warranty for the Item(s) until the

claim process is complete. The Cardmember may also be asked to obtain a repair

estimate.

1) To report an Occurrence, the Cardmember must call toll free

1-800-243-0198 (in Canada or the United States) or 905-475-4822

elsewhere in the world.

2) To submit a claim, the following documentation is required:

a. the original sales receipt;

b. the corresponding Amex Bank of Canada account statement; and

c. the original Manufacturer’s Warranty.

3) The Company will decide whether to have the Item repaired, rebuilt or

replaced, or to reimburse the Cardmember (cash or credit) up to the

amount charged to the Card, and not to exceed the original Purchase

Price. Buyer’s Assurance Protection Plan does not reimburse for shipping

and handling expenses or installation, assembly, or other service charges.

4) The Cardmember must provide all requested documentation to the

Company within 60 days from the date of the Occurrence (or 30 days

after request by the Company) to remain eligible for beneﬁts.

5) For some claims, the Cardmember may be required to send in the

damaged Item, at their expense, for further evaluation of their claim. If

requested, the Cardmember must send in the damaged Itemwithin 30

days from the date of request to remain eligible for beneﬁts.

APPRAISAL

In the event of disagreement as to the value of an Item, the property saved or the

amount of a loss, those questions shall be determined by appraisal as provided

under applicable provincial or territorial insurance legislation. There shall be no

right to an appraisal until a speciﬁc demand is made in writing and until after proof

of loss has been delivered.

PARTS

Except in the case of claims for Items belonging to a pair or set, in the case of

damage to, any part of an Item, consisting, when complete for use, of several parts,

the Company is not liable for more than the repair or replacement value of the part

damaged, including the cost of installation. Where parts of a pair or set are usable

individually, liability will be limited to payment equal to a proportionate part of the

Purchase Price for the Item or Items which form the basis of a claim hereunder.

SUBROGATION

As a condition to the payment of any claim to a Cardmember under the Policy, the

Cardmember shall, upon request, transfer the damaged Item to the Company and

assign to the Company all legal rights which the Cardmember has against all other

parties for the loss. The Cardmember shall give the Company all such assistance

as the Company may reasonably require to secure its rights and remedies, including

the execution of all documents necessary to enable the Company to bring suit in the

name of the Cardmember.

DUE DILIGENCE

The Cardmember shall use diligence and do all things reasonable to avoid, mitigate

or diminish any loss of or damage to property protected by Buyer’s Assurance

Protection Plan. The Company will not unreasonably apply this provision to avoid

claims under the Policy.

FALSE CLAIM

If a Cardmember makes any claim knowing it to be false or fraudulent in any

respect, such Cardmember shall no longer be entitled to any beneﬁts hereunder

nor to the payment of any claim made under the Policy.

LIMITATION PERIODS

Every action or proceeding against an insurer for the recovery of insurance money

payable under the contract is absolutely barred unless commenced within the time

set out in the Insurance Act (for actions or proceedings governed by the laws of

British Columbia, Alberta and Manitoba), the Limitations Act, 2002 (for actions

or proceedings governed by the laws of Ontario), Article 2925 of the Civil Code

of Quebec (for actions or proceedings governed by the laws of Quebec), or other

applicable legislation.

SANCTIONS

The Insurer is required to comply with economic, ﬁnancial and trade sanctions

(“Sanctions”) imposed by Canada and may be required to comply with Sanctions

imposed by the United States in certain circumstances. The Insurer is a member

of the RSA Group whose principal insurance company in the United Kingdom

is required to comply with Sanctions imposed by the European Union and the

United Kingdom and the parties acknowledge that the Insurer intends to adhere

to the same standard. Accordingly, the Insurer shall not provide any coverage or be

liable to provide any indemnity or payment or other beneﬁt under this Certiﬁcate

of Insurance which would breach applicable Sanctions imposed under the laws of

Canada, the European Union, the United Kingdom, or the United States.

CANADIAN CURRENCY

All payments shall be payable in the lawful currency of Canada. All beneﬁt limits

indicated are in Canadian currency.

AMENDMENT

This coverage may be cancelled, changed or modiﬁed at the option of the

Policyholder at any time without notice. This Certiﬁcate replaces any and all

certiﬁcates previously issued to the Cardmember with respect to the Policy.

IMPORTANT NOTICE ABOUT YOUR PERSONAL INFORMATION

Royal & Sun Alliance Insurance Company of Canada is committed to protecting

your privacy and the conﬁdentiality of your personal information. We will collect,

use and disclose personal information for the purposes identiﬁed in our Privacy

Policy. To obtain more information, you can review our Privacy Policy online at

www.rsagroup.ca or request a copy by calling 1-888-877-1710.

2856

This insurance product is underwritten by Royal & Sun Alliance Insurance Company of Canada.

RSA, RSA & Design and related

words and logos are trademarks and the property of RSA Insurance Group plc, licensed for use by Royal & Sun

Alliance Insurance Company of Canada.

®.

™ Used by Amex Bank of Canada under license from American Express.

PURCHASE PROTECTION

PLAN

Effective Date of this Certiﬁcate:

October 15, 2019.

Royal & Sun Alliance Insurance Company of Canada (referred to in this

Certiﬁcate as the “Company”) provides the insurance for this Certiﬁcate under

Master Policy PSI018516570 (referred to in this Certiﬁcate as the “Policy”) issued