Mechanical Breakdown Insurance Policy
Terms and Conditions

1A. INSURED POLICY STATEMENT: Obligation under this Policy are fully insured and guaranteed by:
QBE Insurance Corporation
[One QBE Way]
[Sun Prairie, Wisconsin 53596]
California Department of Insurance ID#: 4629-2

1B. ADMINISTRATION: All obligations under this Policy are administered by:
( Claims)
[QBE Administration Services, Inc.]
[P.O. Box 372790 ]
[Denver, CO 80237-9714]
[Toll-Free Number: 800-773-9980]

(Cancels/Transfers)
[Olive]
[308 South Jefferson Street, Suite 309]
[Chicago, IL 60661]
[Toll-Free Number: 866-822-1506]

2. ENTIRE POLICY: The Policy Terms and Conditions which includes the Declaration Page is the complete and exclusive statement of the Policy and is the understanding between You and Us regarding the Policy and related benefits for Your Vehicle.

3. DEFINITIONS: In this Policy, the following capitalized terms have the meanings assigned to them:
Administrator means [QBE Administration Service, Inc.] You may contact the Administrator’s office at any time to have coverage questions answered or receive assistance in filing a claim under this Policy at [1-800-773-9980].

Approved Vehicle means the vehicle identified by the VIN in the Declarations Page

Coverage means the Coverage You selected for the Approved Vehicle as fully described under Section 5.

COVERAGES.
Covered Part: if you purchased the olive powertrain Coverage or the olive powertrain plus Coverage, Covered Parts are the parts installed at the time of the manufacturing of the Approved Vehicle that are specifically listed after each component group heading of the Coverage plan purchased. Any part not listed on the Coverage You purchased is not covered, regardless of the cause for its failure. If you purchased the olive complete care Coverage, all mechanical and electrical operating parts installed at the time of the manufacturing of the Approved Vehicle are covered, except for those parts and services found in Section 8. EXCLUSIONS of this Policy. Repairs needed to a non-covered part caused by the Mechanical Breakdown of a Covered Part will also be covered under the olive complete care Coverage.

Deductible: means the amount shown in SECTION B-COVERAGE TYPE on the Declaration Page for which You are responsible to pay each time You go to a repair facility in the event of a claim being covered by this Policy. This does not include any non-covered repairs or expenses which You will be responsible for.

Effective Date means the date for which Your Policy will become effective for the selected Coverage.

Emergency Repair means a necessary repair to Your Approved Vehicle at a state licensed repair facility when the Administrator’s offices are closed.

Expiration Date means the date shown on the Declarations Page that will cause this Policy to expire, even if the Expiration Mileage has not been reached.

Expiration Mileage means the maximum total mileage indicated on the Vehicle’s odometer that will cause this Policy to automatically expire, even if the Expiration Date has not been reached.

Mechanical Breakdown means the failure of a Covered Part to perform its intended function due to defects in materials or faulty workmanship in its manufacturing. This does not include the normal reduction in operating performance of a Covered Part due to normal wear and tear, including parts in which wear tolerances that are outside the manufacturer’s specifications are exceeded that are not due to defect in material or faulty workmanship in the manufacturing of a Covered Part. (Please refer to Section 8. EXCLUSIONS for other exclusion that may apply). Leaks of a Covered Part will only be considered a Mechanical Breakdown if it is an active leak to a drip. Seepage and/or buildup is considered normal and will not be covered.

Policy means this complete Mechanical Breakdown Insurance Policy, which in includes the Declaration Page, that shows a specific duration to perform the repair, replacement, or maintenance for operational or structural failure due to a defect in materials or workmanship of Covered Parts.

Premium means the purchase price You paid for this Policy.

Retail Value of the Vehicle means the retail value of the Vehicle at the time of repair or service, as determined by NADA (https://www.nadaguides.com/Cars) taking into consideration the location, mileage and condition of the Approved Vehicle.

Vehicle means the vehicle identified in the Policy by the VIN.

Vehicle Identification Number (VIN) means the 17 alpha-numeric identifier assigned to a motor vehicle by the manufacturer.

We, Us, and Our means QBE Insurance Corporation, located at [One QBE Way, Sun Prairie, Wisconsin 53596], [1-800-773-9980].

You and Your means the purchaser of this Policy.

4. HOW TO MAKE A CLAIM

a) If the Vehicle is inoperable, and to prevent any further damage, immediately stop the Vehicle and call for towing or roadside assistance. It is Your responsibility to use all reasonable means and precautions to protect the Vehicle from further damage. Continued operation of the Vehicle after any Mechanical Breakdown shall constitute failure to protect the Vehicle. Any damage from failure to protect the Vehicle shall not be recoverable.

b) Prior to starting repairs, the repair facility must contact the Administrator’s claims office at [1- 800-773-9980] with diagnosis and estimate of repairs. If You experience an Emergency Repair when a covered Mechanical Breakdown occurs when the Administrator’s office is closed, You must have the repair facility contact the Administrator during the next business day. Failure to contact the Administrator and report the claim on the next business day may result in nonpayment (see Section 8. EXCLUSIONS).

c) You must authorize Your chosen state licensed repair facility to inspect and diagnose the Mechanical Breakdown, as necessary, to determine the cause of failure and the cost of parts and labor to repair. IMPORTANT: You must call the Administrator prior to any engine or transmission disassembly. You are responsible for the cost of disassembly in the event the Mechanical Breakdown is NOT payable under this Policy (see Section 8. EXCLUSIONS).

d) If requested, permit inspection of the Vehicle by the Administrator BEFORE repairs are performed.

e) Upon request, provide proof of maintenance (see Section 7. YOUR RESPONSIBILITIES).

f) You must pay the Deductible and any other non-covered expenses as applicable.

g) Payment for covered Mechanical Breakdowns will be made to either the repair facility or You in accordance with the Policy provisions within thirty (30) days after receipt of the repair order. Repair orders must be received by the Administrator within ninety (90) days of completion of repairs and the repair order must be signed by You. Failure to sign repair order may cause delays in processing Your claim.

Claims mailed in without prior authorization from the Administrator will be denied.

5. COVERAGES
olive powertrain Coverage
If You elected the olive powertrain Coverage, the following parts listed after each component group heading are covered:

Engine: Engine block; cylinder head; rotor housing (rotary engine); oil pan; valve cover; timing cover; all internally lubricated parts contained within the engine block, cylinder head, or rotor housing; oil pump; timing chain, timing chain gears and timing chain tensioners; timing belt and timing belt tensioner; balance belt; variable valve camshaft actuator (not the variable valve solenoid); intake and exhaust manifolds (If the catalytic converter is permanently attached to the exhaust manifold, the exhaust manifold will not be covered if the mechanical breakdown is the catalytic converter.); harmonic balancer; engine mounts; water pump; flywheel or flexplate.

Transmission, transaxle and transfer case: Case housings, housing covers and pans; all internally lubricated parts contained within the housings; torque converter; viscous couplings; vacuum modulator; transmission mounts; transfer case shift/encoder motor; transmission/transaxle range position sensor/switch.

Drive axle (includes FWD, 4WD and AWD vehicles): Front and rear drive axle housings and covers; all internally lubricated parts contained within the drive axle housings; axle shafts; constant velocity joints and boots; driveshafts; universal joints; flex discs; driveshaft center support bearing; driveshaft yokes; 4WD engagement actuators and motors; 4WD manual locking hubs.

Air and Fuel System: Fuel pumps; supercharger/turbocharger housing and all internal parts of the housings (does not include wastegates or other attaching parts).

Seals and Gaskets: Seals and Gaskets are covered for only the listed parts in this section.

olive powertrain plus Coverage
If You elected the olive powertrain plus Coverage, your Coverage includes olive powertrain Coverage and the additional parts listed after each component group heading are covered for olive powertrain plus Coverage:

Odometer & Speedometer: Odometer and speedometer and their cables and connectors.

Steering: Steering gear assembly; rack and pinion housing all internally lubricated parts contained within the housing; power steering pump and it’s reservoir; seals and gaskets for the steering gear assembly and the rack and pinion housing; power steering pump pulley; steering column shafts, their couplings and bearings; tie rod ends; pitman arm, idler arm, and all other steering linkages; power steering metal lines.

Front Suspension: MacPherson struts; upper and lower control arms; control arm shafts and bushings; upper and lower ball joints; Front wheel hub and bearing; steering knuckles and spindles; stabilizer bar, stabilizer bar bushings and links; coil springs; torsion bars.

Brakes: Master cylinder, vacuum or hydro booster; calipers; wheel cylinders; equalizer and distributing valves, proportioning valve.
Interior Climate Control: A/C Compressor, compressor clutch and it’s pulley; accumulator; receiver dryer; evaporator; condenser; serpentine belt tensioner and idler pulley; expansion valve; orifice tube; A/C pressure switches, blower motor and blower motor resistor.

Electrical: Alternator; voltage regulator; starter motor; starter solenoid; manually operated electrical switches; ignition switch; wiper motors; electronic ignition control module; radiator fan relay; wiring harnesses; and electrical components of a heated back glass defroster. NOTE: Heated back glass coverage is for electrical components only and does not include general glass or other physical damage.
Seals and Gaskets: Seals and Gaskets are covered for only the listed In parts in this section

olive complete care Coverage
If You elected the olive complete care Coverage, all mechanical and electrical operating parts installed at the time of the manufacturing of the Vehicle are covered, except for those parts and services found in Section 8. EXCLUSIONS section of this Policy. Repairs needed to a non-covered part caused by the Mechanical Breakdown of a Covered Part will also be covered under the olive complete care Coverage.

6. ADDITIONAL BENEFITS

Towing Reimbursement:
If towing is necessary because a covered Mechanical Breakdown occurs or services provided by Your Coverage are required, We will reimburse You for towing costs up to $100 per covered claim occurrence.

Car Rental:
If Your Approved Vehicle becomes inoperative due to a Mechanical Breakdown that is covered by this Policy or any repair being covered under a manufacturer’s warranty, We will pay for Car Rental reimbursement up to $35 per day, not to exceed 5 days for a total of $175 for any one (1) period. Car Rental will be based on the number of labor hours approved for the Mechanical Breakdown repair. Each eight (8) hours or portion thereof of approved labor counts as one (1) day Car Rental. In the event the Approved Vehicle needs to be inspected by Us, We will pay up to an additional two (2) days Car Rental. Car Rental is not provided for delays because of shop scheduling or for work not covered by this Policy. Car Rental will be reimbursed only upon receipt of an invoice from a licensed car rental agency.

7. YOUR RESPONSIBILITIES
To obtain coverage or reimbursement under this Policy, You must: (i) properly operate the Vehicle and (ii) provide proof of scheduled maintenance services. Proof of scheduled maintenance services includes maintenance records that show mileage, date of maintenance service, VIN and the maintenance that was performed.

Scheduled maintenance service requires periodic service checks based on mileage and/or time intervals based on the year, make and model of Your Vehicle. Please review the Owner’s Guide for Your Vehicle for the scheduled maintenance service requirements. If You perform Your own scheduled maintenance services, You must maintain a log including date, mileage and description of each maintenance service and provide corresponding receipts for purchases of parts and fluids. Covered Parts that require replacement at certain time and/or mileage intervals are not covered due to scheduled maintenance service requirements. In the event a Covered Part was not replaced at its prescribed replacement interval it will not be covered in the event a Mechanical Breakdown occurs, nor will any consequential damage caused by the failure of that Covered Part.

8. EXCLUSIONS

a. Any claim submitted without the authorization of the Administrator prior to starting any repairs. (see How to Make a Claim)

b. Any Mechanical Breakdown or damage resulting from continued operation, such as not stopping Your Vehicle immediately or having it towed or caused by Your failure to take reasonable precautions to prevent further damage when an apparent problem exists (see section 4. HOW TO MAKE A CLAIM).

c. The repair or replacement of any Covered Part if a Mechanical Breakdown has not occurred.

d. Any costs incurred for diagnostics or disassembly work if a Mechanical Breakdown is not covered by this Policy (see 12. PAYMENT OF COVERED REPAIRS).

e. Any preexisting conditions (a condition that already existed on the Approved Vehicle when You purchased Your Policy) or any Mechanical Breakdown occurring prior to the Effective Date of the Policy, whether it be known or unknown.

f. Any repair or replacement of a Covered Part that has failed due to normal wear and tear and not due to a defect in material or faulty workmanship in the manufacturing of a Covered Part.

g. Repair or replacement of an engine due to oil consumption, loss of compression or misfires (which may cause a check engine light), if the only problem is due to normal wear and tear such as worn piston and/or piston rings, lining up of piston rings, worn engine block, worn valves, worn valve guides or valve guide seals, or carbon/sludge build up on these parts.

h. Any environmental surcharges, waste disposal fees, shop supplies, and other similar miscellaneous charges.

i. For olive powertrain Coverage and olive powertrain plus Coverage: Any part that is not listed for coverage is not covered.

j. Any non-covered parts or services, including but not limited to, the performance of normal maintenance services as set forth in the owner’s guide for the Approved Vehicle, scheduled replacement of parts and wear items, and parts and services such as: adjustments of any type unless required with a repair being covered by this Policy; all rubber, plastic and metal lines, hoses and tubes; fittings and connectors for lines, hoses and tubes; spark plugs; tune-ups; fan, engine, and serpentine belts; all filters; oil drain plug and oil filter housing caps and covers; glow plugs; engine block plugs (also called Welch or freeze plugs); adjustments to carburetors or fuel injection systems; complete exhaust systems including catalytic converters and particulate filters; brake rotors; brake drums; brake shoes; brake pads; brake springs and other brake mounting hardware; all batteries; external charging stations or systems; battery cables and connectors; fuses and circuit breakers; clutch slave and master cylinder; clutch disc, pressure plate, throw-out (release) bearing, dry clutch assemblies for automatically shifted manual transmissions, and pilot bearings; body and frame mounts; wheel alignments; wheel balance; tires, wheels and rims; flushing or cleaning of any system; wiper blades and arms; clamps; attaching hardware; grommets; glass; mirror glass; body parts; body and glass seals; paint/trim; soft trim; moldings; bright metal and chrome; door and window weather stripping; upholstery; fabric; convertible top frames and upholstery; electronic device software; digital video and compact audio discs; all HID, LED, halogen bulbs and standard incandescent bulbs; headlight, taillight, turn light and all other all other lighting assemblies; freight and core charges; any part that was not originally installed by the manufacturer; oil, coolant, additives, and refrigerants or other fluids, except in conjunction with the repair of a Covered Part (this is limited to necessary amounts required to refill the system one (1) time for the repair of the Covered Part); nuts, bolts, and fasteners except when required to complete a covered repair on a Covered Part.

k. Any part that a repair facility or manufacturer recommends or requires to be repaired, replaced, or is an update (including updated software or programming), and is not a Mechanical Breakdown. This includes modifications, replacement or alteration of existing parts or systems necessitated by the replacement of an obsolete, superseded, or unavailable part, and improper maintenance or repair.

l. Any Mechanical Breakdown or damage resulting from misuse; abuse; negligence; damage due to overcharging; jump starting; allowing an electric or hybrid drive vehicle’s high voltage drive battery to reach zero or near zero; exposing the vehicle to temperatures above 120 degrees Fahrenheit over 24 hours or -13 degrees Fahrenheit for over 7 days; use of any electric or hybrid vehicle charger not recommended by the manufacturer.

m. Any Mechanical Breakdown or damage resulting from collision or upset; fire or smoke; theft or attempted theft; vandalism; riot or civil commotion; acts of war or invasion; terrorism; explosion; lightning; earthquake; freezing; rust or corrosion; windstorm; hail; water or flood; acts of God; salt; pollution or contamination; environmental and road hazard damage; chemical or nuclear incident; ionizing radiations or contamination by radioactivity from any irradiated nuclear fuel.

n. Any Mechanical Breakdown caused by a lack of required maintenance as set forth under Section 7. YOUR RESPONSIBILITIES; contaminants or contaminated fluids, fuel, coolants, oils, and lubricants; foreign objects; improper amounts or types of lubricants, fuels, or coolants; sludge and/or varnish.

o. Any loss or expense that is a direct result of a mechanical or structural defect for which a manufacturer has announced a recall or other announcement for the purpose of correcting a defect, or the repair of any part covered by the Federal Emission Warranty, whether collectable or not.

p. Any vehicle that currently has or at any time has had an altered, or inoperative odometer that has been left unrepaired, whether such repair is covered by this Policy or not.

q. Any vehicle modified or altered with, but not limited to, high performance, off-road equipment, and/or battery/electrical system that is not original factory equipment, done before or after the Effective Date of this Policy. Any vehicle used for any type of competitive driving or racing.

r. Any vehicle that is used or equipped with any of the following: Any tire or wheel sizes and/or offsets not recommended by the manufacturer. Any vehicle equipped with a lift kit or has any parts that are used to lift a vehicle or its suspension.

s. Mechanical Breakdown or failure as a result of spinning of tires or over revving.

t. Any vehicle used for pulling a trailer, unless the vehicle was properly equipped beforehand for this purpose as recommended by the manufacturer.

u. Any vehicle that is reconstructed from salvage; declared a total loss; is a manufacturer or Dealer buyback; declared a lemon; the vehicle identification number has been changed or altered; or if the original manufacturer’s warranty has been voided for any reason.

v. Any loss or expense if Your Approved Vehicle is used for the following: Any commercial or business use (full or part time), taxi, livery or ride share services; municipal, volunteer or professional emergency services; fleet or pool services; towing a trailer whose weight exceeds the manufacturer’s recommendations for that vehicle, or is used for any snowplowing.

w. Any vehicle that has the following characteristics: step-van; high-cube van; box body; cab and chassis or other incomplete vehicle; right hand steering; any vehicle that has business related equipment permanently mounted to the chassis or bed of the vehicle; or that have special bodies designed for construction, hauling or delivery.

x. Any vehicle not originally manufactured to be sold in the U.S. meeting U.S. specifications, commonly known as a gray market vehicle.

y. Consequential damages to non-covered parts caused by the failure of a Covered Part are excluded from Coverage unless You have purchased the olive complete care Coverage.

z. Our liability for incidental and consequential damages including, but not limited to, personal injury, physical damage, property damage, loss of use of Your Approved Vehicle, loss of time, inconvenience, and commercial loss resulting from the operation, maintenance, or use of Your Approved Vehicle is expressly excluded.

aa. Any Mechanical Breakdown covered by any limited warranty, manufacturer’s warranty, manufacturer’s and/or dealer customer assistance program, repairer’s guarantee, road club, or any other guarantee, warranty, or insurance policy, whether collectible or not. It is Your responsibility for making sure that all remaining manufacturer’s original warranties are transferred to You.

bb. Any Loss, damage, cost, expense, or any other sum payable under this Policy of whatsoever nature directly or indirectly caused by, resulting from or in connection with:
i. any actual or threatened unauthorized, malicious, or criminal act, or series of actual or threatened unauthorized, malicious, or criminal acts, or any hoax relating to any of these.
ii. any failure to act, error, omission or accident or series of related failures to act, series of related errors, series of related omissions or series of related accidents; or
iii. partial or total unavailability or failure, or series of related partial or total unavailability or failures,
involving or affecting the use or operation of, access to, or the processing of any computer, hardware, software, data, information technology and communications system, electronic device, server, cloud or microcontroller including any similar system or any configuration of the aforementioned, and including any associated input, output or data storage device.

cc. We shall not provide cover nor be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose Us or any member of Our group to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of any country.

9. LIMIT OF LIABILITY
This Policy is limited to the repair or replacement of a failed Covered Part, due to a covered Mechanical Breakdown, only to restore the Approved Vehicle to the same or like condition prior to the Mechanical Breakdown. The aggregate total of all claim paid will not exceed the Retail Value of the Vehicle at the time of a current claim. Once this limit has been reached no further claims will be payable.

10. PARTS REPAIR AND REPLACEMENT
Replacement of parts shall be made with parts of like kind and quality, which may include new, remanufactured, rebuilt, refurbished, reconditioned, or used parts. Aftermarket parts that meet original equipment specification may also be used. At times it may be necessary to request repair facilities to send out parts for refurbishing at special facilities. You may also request a betterment offer in which You may pay the difference between the part We authorize and the part You wish to use (Example: We will authorize a rebuilt part but You wish to use a new part. We will pay the amount that we would authorize towards the new part and You will pay the difference).

11. REPAIRERS GUARANTEE
Any repair facility repairing Your Vehicle for a Mechanical Breakdown covered by this Policy is fully responsible for that repair for the term of the warranty indicated on the repair order or verbally given to Us at the time of the claim (minimum ninety (90) days is required). This Policy has no liability for similar repairs to the same part(s) during the warranty period. If more than one mechanical breakdown contract or insurance policy can be applied to a Mechanical Breakdown covered by this Policy, then this Policy shall be excess over all other contracts or policies, regardless of collectability.

12. PAYMENT OF COVERED REPAIRS
We will pay for the reasonable cost or reimburse You for the reasonable cost to repair a covered Mechanical Breakdown (diagnostic and repair time are allowed only for Covered Repairs and as indicated in a current edition of a Mitchell or AllData labor guides, or in the event there is a Technical Service Bulletins (TSB) We will use that published time listed on the TSB.), when repaired by a state licensed repair facility or, if necessary, We will arrange for the repair of such covered Mechanical Breakdown at Our expense. The payment of sales tax on repairs covered by this Policy will be made in accordance with the regulations of the taxing authority in the state where Your Vehicle has been repaired. Payment of covered Mechanical Breakdowns will only be released upon the receipt of a verifiable invoice signed by the Policy holder shown on the Declaration Page or the person to whom this Policy was properly transferred, indicating that the authorized repairs were properly performed and completed. Failure to sign the repair order may cause delays in processing Your claim. In the event We will be reimbursing You for repairs, reimbursement will be made via electronic fund transfer and We will contact You with instructions for this.

13. DEDUCTIBLE
The Deductible is the amount stated on the Declaration Page that You must pay for each repair visit.

14. GENERAL PROVISIONS

a. Dispute Resolution & Arbitration
Any controversy or claim arising out of or relating to this Policy or the breach thereof, may be settled by mutually agreed upon arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association and judgment upon the award rendered by the arbitrators may be entered in any court having jurisdiction thereof. Unless both parties agree otherwise, arbitration will take place in the county in which the address shown in the Declarations is located. Local rules of law to procedure and evidence will apply.

b. Fraud or Misrepresentation
This Policy is issued in reliance upon the truth of all representations made by You. We will not pay a claim where You have made any misrepresentations, omissions, concealment of fact or made incorrect statements that were fraudulent or are material in either Our acceptance of the risk or hazard from the Policy holder.

c. Transferability
You may transfer the remaining coverage of this Policy if You or the new Vehicle owner initiates the transfer process and provides the following items to Us, within thirty (30) days of the Vehicle sale:
(i) a statement of the mileage on the Vehicle at the time of transfer; and
(ii) the name, address and phone number of the transferee.
You may not transfer coverage if the Vehicle becomes ineligible for coverage or is repossessed. Transferred Policies may not be cancelled by You.

d. Legal Action Against Us
No suit or action may be brought against Us unless there has been full compliance with all terms of this Policy.

e. Right to Recover
If anything is paid under this Policy and You have the right to recover from another party, Your rights became subrogated to Us up to the amount paid by this Policy. You must do whatever is necessary to enable Us to enforce these rights.

f. No Benefit to Bailee
We do not cover, directly or indirectly, any person or organization transporting or holding property for a fee.

g. Non-Renewal
We are under no obligation to renew this Policy. Once We choose to non-renew this Policy or condition its renewal upon changes of limits or elimination of any Coverages, We shall mail or deliver written notice to You at least thirty (30) days before the end of the Policy’s Expiration Date. The notice of non-renewal or conditional renewal shall include the reason for non-renewal or conditional renewal, which may be based on Your involvement in an accident, a change in, or addition of, a vehicle or an insured; a change in the location of the use or storage of the Vehicle, payment of claims filed by You or someone else, or other reasons that are both lawful and not unfairly discriminatory.

h. Entire Policy
This Policy represents the entire agreement between You and Us. No person has the authority to change this Policy or to waive any provisions.

i. Territory
This Policy applies to a Mechanical Breakdown that has occurred within the United States of America or Canada. A Mechanical Breakdown that occurs outside of the United States of America or Canada is not covered.

15. CANCELLATIONS

a. You may cancel this Policy by returning it to Us; or by notifying Us in writing when, at a future date, cancellation is to take effect.

b. We may only cancel this Policy for the following reasons:

(i) Nonpayment of Premium.
(ii) Fraud by You.
(iii) Material misrepresentation by You.
(iv) Gross negligent acts or omissions by You which substantially increase the hazards insured against; or
(v) Physical changes in the property causing it to be uninsurable.

If We cancel due to nonpayment of Premium, We will give You at least ten (10) days advance written notice. If We cancel because of fraud or material misrepresentation by You, We will give You at least twenty (20) days written notice. If We cancel for any other reason, We will give You at least thirty (30) days advance written notice.

Notice of cancellation shall state the reason for cancellation. Proof of mailing will be sufficient proof of notice. A lienholder or financer of this Policy, if any, may cancel this Policy for nonpayment or if the Vehicle is declared a total loss or is repossessed by providing written notice of cancellation at least ten (10) days before the effective date of cancellation. If the Policy is canceled for any of these reasons, any refunds will be issued to the lienholder on behalf of Your account.

16. REFUNDS
If We receive a written cancellation request, including a copy of Your Declaration Page and proof of payment on or before the 30th day from the signature date or Effective Date and no claims have been filed under this Policy, We will cancel this Policy and refund any premium paid either to You, or if there is a lienholder or financer, back to the lienholder or financer.

If We receive a written cancellation request, including a copy of Your Declaration Page and proof of payment after the 30th day or if a claim has been filed at any time during the term of this Policy from the signature date or Effective Date, We will refund Your premium on a pro rata basis either to you, or if there is a lienholder or financer, back to the lienholder or financer.

CALIFORNIA DISCLOSURE
WE ARE PROHIBITED BY LAW FROM REQUIRING THAT REPAIRS BE DONE AT A SPECIFIC AUTOMOTIVE REPAIR DEALER. YOU ARE ENTITLED TO SELECT THE REPAIR SHOP TO REPAIR DAMAGE COVERED BY US. IF WE HAVE RECOMMENDED AN AUTOMOTIVE REPAIR DEALER THAT WILL REPAIR YOUR DAMAGED VEHICLE, YOU MAY CONTACT ANY OTHER AUTOMOTIVE REPAIR DEALER YOU ARE CONSIDERING TO CLARIFY ANY QUESTIONS YOU MAY HAVE REGARDING SERVICES AND BENEFITS. IF YOU AGREE TO USE OUR RECOMMENDED AUTOMOTIVE REPAIR DEALER, WE WILL CAUSE THE DAMAGED VEHICLE TO BE RESTORED TO ITS CONDITION PRIOR TO THE LOSS AT NO ADDITIONAL COST TO YOU OTHER THAN AS STATED IN THE POLICY OR AS OTHERWISE ALLOWED BY LAW. IF YOU EXPERIENCE A PROBLEM WITH THE REPAIR OF YOUR VEHICLE, PLEASE CONTACT US IMMEDIATELY FOR ASSISTANCE.