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1. Additional Drivers: Section used when there are multiple regular drivers of the insured vehicle

2. Commercial Use: Required when the vehicle is used for business purposes

3. Special Equipment Coverage: For vehicles with after-market modifications or special equipment

4. International Coverage: When coverage extends to other countries, typically the United States

5. Student Away Discount: Special terms for vehicles primarily used by students studying away from home

6. Multi-Vehicle Discount: Terms for households insuring multiple vehicles

7. Rideshare Coverage: Required for vehicles used for ride-sharing services

8. Classic Car Provisions: Special terms for vintage or collector vehicles

1. Schedule A - Vehicle Details: Detailed information about the insured vehicle(s) including make, model, VIN, and modifications

2. Schedule B - Coverage Limits and Deductibles: Specific amounts for different types of coverage and applicable deductibles

3. Schedule C - Premium Calculation: Breakdown of how the premium was calculated including applicable discounts

4. Schedule D - Additional Drivers: List of additional authorized drivers and their information

5. Appendix 1 - Claims Reporting Procedure: Step-by-step guide for reporting accidents and filing claims

6. Appendix 2 - Provincial Statutory Conditions: Mandatory conditions required by provincial law

7. Appendix 3 - Privacy Policy: Detailed privacy policy and information handling procedures

8. Appendix 4 - Discount Programs: List of available discount programs and qualifying criteria