REFERRAL TO THE AUTORITÉ DES MARCHÉS
FINANCIERS DU QUÉBEC
Despite the cancellation of the insurance contract, the first
contract entered into will remain in force. Caution: it is
441. A client may cancel an insurance contract made at
the same time as another contract, within 10 days of DISTRIBUTION GUIDE
Aviva will advise you of their decision, and the reasons If item is Lost If Item is Stolen If Item is Damaged For all other information on Aviva or Canadian Tire Financial possible that you may lose advantageous conditions as a signing it, by sending notice by registered or certified
for it, within 5 business days of receipt of all required result of the cancellation of this insurance; contact your mail. Where such an insurance contract is cancelled, Name of the Insurance Product:
Call to report Claim Form to include: Claim Form to include: Claim form to include: Services, you may contact Autorité des marchés financiers
information. distributor or the insurer or consult your contract. the first contract retains all its effects. Product Protector
your claim; Aviva • date of purchase • date of purchase • date of purchase du Québec, at
If Aviva elects to have the covered item repaired, service will mail a Claim • date of loss • date theft occurred • date of damage Autorité des marchés financiers After the expiry of the 30-day delay, you may cancel the 442. No contract may contain provisions allowing its
insurance at any time; however, penalties may apply. amendment in the event of cancellation or termination Type of Insurance Product:
will be provided at an authorized Aviva service centre in Form that must • how loss occurred • where & how theft occurred • where & how damage 800, Square Victoria, 22e étage
by the client of an insurance contract made at the Property Coverage
Canada. All products to be serviced or repaired must be be completed and • witness to loss • witness to theft or evidence of report occurred C.P. 246, Tour de la Bourse For further information, contact l’Autorité des marchés
delivered to the service centre and picked up from the returned • evidence of other insurance to authorities • witness to damage Montréal (Québec) H4Z 1G3 financiers at (514) 395-0337 (Montreal), (418) 525-0337 same time. However, a contract may provide that the
cancellation or termination of the insurance contract Insurer’s Contact Information:
service centre, unless in-home service is deemed to be • other documentation/proof • evidence of other insurance • evidence of other insurance (Québec) or 1 877 525-0337.
necessary by Aviva. The Cardmember is responsible for reasonably required by Aviva • other documentation/proof reasonably • other documentation/proof will entail, for the remainder of the term, the loss of the Aviva Insurance Company of Canada
Telephone: Metro Québec: (418) 525-0337
the costs of transporting the item to and from the service required by Aviva reasonably required by Aviva NOTICE OF CANCELLATION OF AN INSURANCE CONTRACT favourable conditions extended because more than one (herein called “Aviva”)
Montréal: (514) 395-0337
centre. contract was made at the same time. 2206 Eglinton Avenue East
Additional • In special circumstances, a • Aviva may require a copy of a Police • Photo of damaged item; or Elsewhere in Quebec: 1-877-525-0337 To: Aviva Insurance Company of Canada
Repairs will be carried out during normal business Website: www.lautorite.qc.ca 1100 - 1125 Howe Street 443. A distributor that offers financing for the purchase Scarborough, Ontario M1L 4S8
Validation notarized Proof of Loss may Report concerning the theft, which will return of item to Aviva
Email: email@example.com Vancouver BC V6Z 2Y6 of goods or services and that requires the debtor Telephone: 1-800-387-4518
hours, and Aviva will arrange to pay the service centre be required be obtained at Aviva’s cost • Denial letter from other insur-
to subscribe for insurance to guarantee the or call collect at: (416) 288-1800
directly. In the event there is no appropriate service • Denial letter from other • Suspicious and/or high value claims ance company (e.g. home-
Date: reimbursement of the loan must give the debtor a Fax: (416) 288-1210
centre located within a reasonable distance, you may insurance company (e.g. will be fully investigated i.e. by a owner’s insurance) Schedule 1
_________________________________________ notice, drawn up in the manner prescribed by regulation
be required to initially pay for the required repairs and homeowner’s insurance) certified claims adjuster
NOTICE OF CANCELLATION OF AN INSURANCE CONTRACT (date of sending of notice) of the Autorité, stating that the debtor may subscribe
submit the invoices to Aviva for reimbursement. • Theft claims in excess of $2,000 Distributor’s Contact Information:
NOTICE GIVEN BY A DISTRIBUTOR for insurance with the insurer and representative of
will be investigated by a certified _________________________________________ Canadian Tire Financial Services Limited
The chart to the right summarizes the details of how your the debtor’s choice provided that the insurance is
adjuster. The adjuster will meet with Section 440 of the Act respecting the distribution of financial Policy Number 1000 East Main Street
claims will be processed. considered satisfactory by the creditor, who may not
you to review your claim, answer any products and services Pursuant to section 441 of the Act respecting the refuse it without reasonable grounds. The distributor Welland, Ontario L3B 3Z3
APPEAL OF AVIVA’S DECISION AND RECOURSES questions about the claims process
THE ACT RESPECTING THE DISTRIBUTION OF FINANCIAL distribution of financial products and services, I hereby may not subordinate the making of the contract of Telephone: 1-800-459-6415
and provide a Proof of Loss for
If you are not satisfied with Aviva’s decision, ask them to PRODUCTS AND SERVICES GIVES YOU IMPORTANT RIGHTS. cancel the insurance policy which has the same number credit to the making of an insurance contract with the
completion by you. The adjuster will
review their decision and provide them with additional as my account number: insurer specified by the distributor.
information that would allow them to change their
request a copy of the report you filed The Act allows you to cancel the insurance without
with the police. The adjuster’s report penalty, within 10 days of its signature. For this product, __________________________________________ No contract of credit may stipulate that it is made
and recommendation will be provided the insurer allows you to cancel the insurance within 30 (name of client) subject to the condition that the insurance contract
If you are still not satisfied, you may communicate with to Aviva to finalize the claim. days from the date you received the proof of property __________________________________________ subscribed with such an insurer remain in force until
the Autorité des marchés financiers du Québec or consult • Denial letter from other insurance coverage. To do so, you must give the insurer notice by (signature of client) the expiry of the term, or subject to the condition that
your own legal adviser. company (e.g. homeowner’s insurance) registered mail within that delay. You may use the attached the expiry of such an insurance contract will entail
form for this purpose. This document must be sent by registered mail. forfeiture of term or the reduction of the debtor’s rights.
DO YOU NEED TO KNOW ANYTHING ELSE? Enclosures Original sales receipt and/or Original sales receipt and/or Original sales receipt and/or
Sections 439, 440, 441, 442 and 443 of the Act must be The rights of the debtor under the contract of credit
Please call 1-800-668-0377 or 604-669-2626 account statement account statement account statement
reproduced on this notice. shall not be forfeited when the debtor cancels,
between 9:00 am and 8:00 pm EST, Monday through Before Authorizing Aviva will confirm coverage Aviva will confirm coverage Aviva will confirm coverage 439. A distributor may not subordinate the making of a terminates or withdraws from the insurance contract,
Friday, or write: Repair or provided that the debtor has subscribed for insurance
contract to the making of an insurance contract with
Aviva Insurance Company of Canada Replacement with another insurer that is considered satisfactory by
the insurer specified by the distributor. The distributor
1100 - 1125 Howe Street the creditor, who may not refuse it without reasonable
Resolution Replacement receipt Replacement receipt Repair invoice or replacement may not exercise undue pressure on the client or use
Vancouver BC V6Z 2Y6 fraudulent tactics to induce the client to purchase a grounds.
Phone: 1-800-668-0377 (toll free) or 604-669-2626 receipt
financial product or service. Responsibility of l’Autorité des marches financiers
Fax: 1-800-663-0329 (toll free)
440. A distributor that, at the time a contract is made, causes L’Autorité des marchés financiers does not express an
SIMILAR PRODUCTS the client to make an insurance contract must give the opinion on the quality of the product offered in this guide.
client a notice, drafted in the manner prescribed by The insurer alone is responsible for any discrepancies
Other insurance that may include coverage similar to
regulation of the Autorité, stating that the client may cancel between the wording of the guide and the policy.
Product Protector may exist on the market.
the insurance contract within 10 days of signing it. DG-E-11/10 • 650 MCC 893898 E
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INTRODUCTION What Kind of Purchases Are Covered? How Broad Is the Coverage? When Does the Insurance Begin? CANCELLATION Are There Any Other Conditions?
Table of Contents Your coverage begins on the date you are enrolled The Cardmember shall do all things reasonable to avoid or
PRODUCT PROTECTOR is an insurance programme
CAUTION Cancellation in the first 30 days
Introduction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 1 CAUTION in Product Protector. The coverage in respect of minimize any loss or damage to eligible purchases.
available to Canadian Tire Credit Card Cardmembers. The
All items that are for personal use (not for a Property Coverage provides coverage if an eligible supplementary Cardmembers begins when their card You have the right to cancel the insurance within the
Description of the Property Insurance Coverage Offered. . . 1 programme includes property insurance coverage and As a condition to the payment of any claim, the
additional benefits such as the extended warranty and price business or commercial use) are eligible for item is lost, damaged, or stolen, except if this loss, is activated. 30 days following the date you received your Proof of
Cancellation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Property Insurance . To do so, you must send a notice of Cardmember may be required to transfer the covered item
protection benefits. The Distribution Guide only discusses the coverage except: damage or theft results from one or the other of When Does the Insurance End? cancellation to Aviva by registered mail to the address to Aviva and assign to Aviva all legal rights of ownership
Change in Premiums and Coverage . . . . . . . . . . . . . . . . . . 5 Property Insurance coverage. For information about the other the following:
• cash, travellers’ cheques, securities or any The insurance is monthly, for the same period as your below. You may use the form attached here to in Schedule which the Cardmember has against any others for the
benefits, please see the Additional Benefits Booklet received.
How Do I Claim? . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 other negotiable instrument; • fraud; card statement. It renews automatically each month, 1 for this purpose. loss.
You, your, yours mean the person who holds a valid unless Aviva advises you that your insurance will not be
Appeal of Aviva’s Decision and Recourses . . . . . . . . . . . . . 7 • tickets or documents; • abuse; Product Protector is only for the benefit of the
Canadian Tire Credit Card and is the primary Cardmember renewed. Attention: You should also forward to Aviva a copy of
who receives the monthly account. Cardmember means you • jewellery, gems, watches and furs, or garments Cardmember. The Cardmember shall not assign benefits
Do You Need to Know Anything Else? . . . . . . . . . . . . . . . . . 7 • confiscation by authorities; Schedule 1, which represents your proof of receipt, by
and all supplementary Cardmembers. trimmed with fur, while it is contained in your Note: Product Protector provides additional benefits without Aviva’s prior written approval.
Similar Products . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 baggage while travelling, unless such baggage • any illegal activity committed by the Cardmember; to Canadian Tire Cardmembers, please consult your
This guide provides you with information on this insurance. This cancellation takes effect as soon as Aviva receives However, items purchased by a Cardmember and given as
Referral to l’ Autorité des marchés financiers du Québec . . 10 is with a Cardmember or a travelling companion • normal wear and tear, including damage to sports Additional Benefits Booklet for a complete overview of
It will help you decide if this insurance is suitable for your your notice of cancellation. a gift will be covered while owned by the original recipient
needs. at all times; equipment during the normal course of use of the programme.
Notice of cancellation of an insurance contract . . . . . . . . 11 of the gift, provided the recipient complies with all of the
• living plants, animals, or any perishables such such equipment; Your coverage will remain in effect for all eligible Also cancellation can be made by calling toll free at terms and conditions of the insurance.
DESCRIPTION OF THE PROPERTY INSURANCE
as food or liquor; purchases made until the first to occur of the following: 1-800-459-6415.
COVERAGE OFFERED • mechanical breakdown; HOW DO I CLAIM?
• bullion, rare or precious coins, art objects or The premium that has been charged to your account will
a) Nature of the Coverage • disappearance of an item that is unexplained, 1. the date on which you request that coverage be All claims must be made by you.
antiques; be refunded.
PRODUCT PROTECTOR: or marked by an absence of evidence of the terminated;
• used or pre-owned items; Cancellation after the first 30 days If you need to make a claim, simply call
PROPERTY COVERAGE wrongful act of another; 2. the date on which your account is terminated;
• automotive parts and accessories 1-800-668-0377 or 604-669-2626, between 9:00 a.m.
Personal Property purchased by a Cardmember and charged • consequential damages - something that happens 3. the date on which your account becomes 90 days in You can also cancel the insurance at any time, even after and 8:00 p.m., EST, Monday through Friday, prior to
NOT purchased at Canadian Tire;
in full to the Canadian Tire Credit Card to which the Product as a consequence of loss or damage to an eligible arrears; however, your insurance will automatically more than 30 days following the date you received your proceeding with any action or repairs and a representative
Protector premium is charged is insured against all risks of • tires of any kind, purchased anywhere; purchase - are not covered by Product Protector. Proof of Property Insurance, by sending Aviva a notice to
be reinstated when your account is once again in will direct you to an appropriate service centre in your
direct physical loss or damage for 90 days from the date of • automobiles, boats or any other motorized this effect to the address below.
good standing; or area - or authorize replacement or reimbursement .
purchase. Please note there are conditions and exclusions. vehicles which are used for personal
4. the date on which Aviva terminates or does not Attention: You should also forward to Aviva a copy of Unauthorized repairs can invalidate your coverage.
b) Summary of the Specific Features of transportation. Benefit Maximums
renew your insurance, provided that you are given 30 Schedule 1, which represents your proof of receipt, by Attention: you must also make your initial report of a claim
Property Coverage The total of all your Property Coverage claims may not
If the covered item(s) belongs to a pair or set, then registered mail.
exceed $10,000 in any calendar year. days’ advance notice. within 45 days of becoming aware of the facts giving rise
What Does It Do For the Cardmember? Property Coverage will repair or replace the pair
The coverage in respect of a supplementary Also, cancellation can be made by calling toll free at to the claim.
Property Coverage automatically insures new items of or whole set (or reimburse you for the purchase How Much Does it Cost?
Cardmember terminates automatically on the date 1-800-459-6415.
personal property for 90 days, beginning on the date of price) only if the individual items or components The premium for Product Protector (including property
purchase, when the full purchase price is charged to the your coverage terminates. It also terminates when the If a premium was paid in excess, Aviva will refund it. Please be sure to keep copies of all manufacturers’
cannot be replaced individually, or cannot be insurance, extended warranty and price protection
Canadian Tire Credit Card. It does not matter if the item is lost, supplementary card is cancelled. warranties, Canadian Tire Credit Card statements, and
used individually. Otherwise, the benefit will be coverages) is $4.99 per month. No premium will be Send your cancellation notice to the address below:
damaged, or stolen; it does not matter where in the world you proof of maintenance (where applicable), as proof-of-
proportional to the cost of the lost, damaged or charged in any month where the outstanding balance In the event that coverage is terminated, whether by
are when it happens. Aviva Insurance Company of Canada purchase and evidence of your coverage. You may be
stolen piece or component, compared with the cost on your Canadian Tire Credit Card account is less than you or by Aviva, Aviva will honour the insurance for all
It will be at the sole discretion of Aviva whether the covered 1100 - 1125 Howe Street required to submit these documents when making
of the complete pair or set. $10.00. Any applicable sales taxes are extra. If you purchases charged in full to the Canadian Tire Credit
item will be replaced or repaired, or whether you will be Vancouver BC V6Z 2Y6 a claim.
do not have a balance, and therefore, do not receive a Card prior to the date of termination.
reimbursed for the original purchase price of the item statement, no premium will be payable, yet there will CHANGE IN PREMIUMS AND COVERAGE
(including any applicable taxes). Property Coverage is not be no interruption of the coverage on your purchases.
designed to act as a replacement for other insurance. As The premium and the other terms and conditions
such, it provides coverage for what is not covered by your of coverage may be amended by Aviva upon renewal
homeowner’s or tenant’s policy, or other applicable insurance. of your insurance, provided that we give you 30 days
™ The trademarks of Canadian Tire Corporation, Limited are used under licence.
Product Protector is a registered trademark of Canadian Tire Financial Services Limited
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