Documentation

Effective May 30, 2007, RBC Travel Insurance Company has changed its name to RBC Insurance Company of Canada. Please note that this change does not affect the terms of your travel insurance coverage.

Hotel/Motel Burglary Insurance Certificate of Insurance

RBC Royal Bank Visa Gold Preferred Hotel/Motel Burglary Insurance Certificate of Insurance

Introduction

IMPORTANT - PLEASE READ: This Certificate of Insurance is a valuable source of information and contains provisions that may limit or exclude coverage. Please read this Certificate of Insurance, keep it in a safe place and carry it with you when you travel.

RBC General Insurance Company (the "Insurer") in Quebec, and RBC Insurance Company of Canada (the "Insurer") in the rest of Canada, have issued group insurance policy U-1014454-A to Royal Bank of Canada ("RBC Royal Bank") to cover expenses incurred by covered persons relating to a hotel/motel burglary. This Certificate of Insurance summarizes the provisions of this group insurance policy.

All italicized terms have the specific meaning explained in the "Definitions" section of this Certificate of Insurance.

How to Contact Assistance Services

If you require assistance, you can contact Assured Assistance Inc. (Assured Assistance) by calling:

1-800-533-2778 toll-free from the US & Canada, or
(905) 816-2581 collect from anywhere in the world

Definitions

Throughout this document, all italicized terms have the specific meaning explained below.

Applicant means a person who has signed and submitted an application as the applicant for an RBC Royal Bank Visa Gold Preferred card and in whose name the card account is established.

Burglary means the loss of or damage to your personal property as a result of felonious entry into the hotel or motel room for which there are visible signs of force made by tools, explosives, electricity or chemicals.

Cardholder means any person (includes applicants, co-applicants and authorized users), to whom RBC Royal Bank has issued an RBC Royal Bank Visa Gold Preferred card.

Covered person means the applicant, the applicant's spouse, or a dependent child who travels with or joins the applicant or the applicant's spouse on the same trip. A co-applicant or an authorized user to whom RBC Royal Bank has issued an RBC Royal Bank Visa Gold Preferred card is a covered person in his/her own right. A covered person may be referred to as “you” or “your” or “yourself”. A co-applicant’s or authorized user’s spouse and/or dependent child are not eligible for this insurance.

Dependent child means a dependent unmarried natural, adopted, step or foster child of the cardholder who is:

• under 21 years of age, or
• under 26 years of age if a full-time student, or
• mentally or physically handicapped and incapable of self-sustaining employment and totally reliant on you for support and maintenance.

Spouse means the person who is legally married to you, or has been living in a conjugal relationship with you for a continuous period of at least one year and who resides in the same household as you.

When does coverage begin and end?

Coverage begins at the actual time you check into your hotel or motel room, provided that your hotel or motel room is paid with your Royal Bank Visa Gold Preferred card.

Coverage ends on the earliest of:

1. the time you check out from your hotel or motel room;
2. the date your RBC Royal Bank Visa Gold Preferred account is cancelled;
3. the date your RBC Royal Bank Visa Gold Preferred account is 60 days past due;
4. the date the group insurance policy terminates; or
5. the date RBC Royal Bank receives written notice from you that you choose to cancel your RBC Royal Bank Visa Gold Preferred card.

What are the risks and benefits?

Reimbursement to you, up to a maximum of $2,500, for the damage to or the loss of your personal items resulting from the burglary of your hotel or motel room when you are a registered guest of the hotel or motel. If there is more than one individual making a claim, the maximum payable for all covered persons under this Certificate of Insurance is $2,500 in the aggregate per any one burglary occurrence. We will pay the lesser of the following amounts:

1. $2,500 in the aggregate per burglary occurrence.
2. The actual replacement value of the property at the time of loss or damage.
3. The amount for which the property could be replaced with property of like kind and quality if an identical replacement cannot reasonably be obtained.
4. The amount for which the property could be repaired to its condition prior to the damage.

General Exclusions

The Insurer will not pay for any expenses incurred directly or indirectly as a result of:

1. The loss of cash.
2. Your failure to take reasonable precautions to safeguard your possessions or to secure your hotel or motel room.
3. Act of foreign enemies or rebellion, voluntarily and knowingly exposing yourself to risk from an act of war (declared or not) or voluntarily participating in a riot or civil disorder.
4. Your committing or attempting to commit a criminal offence.

What to do if you have a claim?

If you call Assured Assistance at the time of the loss as shown under "How to contact Assistance Services" you will receive the necessary claims assistance.

If you do not call Assured Assistance, you must notify the Claims Centre of your claim within 30 days of the date of the cause of loss.

(Note: a legal guardian must complete the claim process on behalf of a covered person under the age of 18 in Quebec or under the age of 16 for the rest of Canada),

For your claim to be reviewed, you must submit the following original documentation:

• charge slip for the hotel or motel room;
• proof that the hotel or motel room was paid for using your card;
• a police report that confirms forced entry;
• the hotel or motel burglary report; and
• receipts for repaired or replaced items.

Submission of claims must be made to the Claims Centre:

RBC Insurance Company of Canada^®
Claims Centre
PO Box 97, Station A
Mississauga, ON L5A 2Y9

1-800-464-3211

You must submit the information required for your claim within 90 days of the date of the cause of the loss. If it is not reasonably possible to provide such information within 90 days, you must do so within one year or your claim will not be paid.

Other Claim Information

If you disagree with the claim decision of the Insurer, the matter will be submitted to arbitration under the arbitration law in the Canadian province or territory in which you permanently reside. You must begin arbitration proceedings to recover a claim within 12 months of the occurrence. If, however, this limitation is invalid according to the laws of the Canadian province or territory where you permanently reside, you must commence your claim within the shortest time limit permitted by that province or territory. All arbitration proceedings must be brought in the Canadian province or territory in which you permanently reside. Where requested by the Insurer, you consent to the transfer of any proceedings to the province or territory where you permanently reside.

What other terms should you know about?

1. This insurance is classified as supplemental, in that it covers expenses in excess of expenses payable by any other insurance plan.
2. If you are eligible, from any other insurer, for benefits similar to the benefits provided under this insurance, the total benefits paid to you by all insurers cannot exceed the actual expense that you have incurred. We will coordinate the payment of benefits with all insurers from whom you are eligible for benefits similar to those provided under this insurance, to a maximum of the largest amount specified by each insurer.
3. If you incur expenses covered under this insurance due to the fault of a third party, the Insurer may take action against the third party. You agree to cooperate fully with the Insurer or its agents and to allow the Insurer or its agents, at its/their own expense, to bring a lawsuit in your name against a third party.
4. All amounts are shown in Canadian dollars. If you have paid a covered expense, you will be reimbursed in Canadian currency at the prevailing rate of exchange quoted by RBC Royal Bank on the date the last service was rendered to you. This insurance will not pay for any interest.
5. To substantiate a claim under this insurance, you must provide the requested/required documents. Failure to provide the requested/required documentation will invalidate your claim.
6. The Insurer may, at its discretion, void this insurance contract in the case of fraud or attempted fraud by you, or if you conceal or misrepresent any material fact or circumstance concerning this insurance contract.

At RBC Royal Bank and RBC Insurance, we take your privacy very seriously. For more information, please turn to the section “Your Privacy Matters To Us”.