Auto Policy Change automobile
Policy Number: 00142139437
Thank you for choosing us to insure your vehicle.
OSWALDO RODRIGUEZ
94 TRETHEWEY SUITE 1
YORK ON M6M 4B4
Policy Term:
March 16, 2023, to March 16, 2024
Change effective date:
January 20, 2024
Questions about your coverage or need advice?
Call 1-888-588-5999
Our offices are open weekdays from 8:00 a.m.
to 8:00 p.m. and Saturdays from 9:00 a.m. to
4:00 p.m. or visit www.tdinsurance.com
Register online and make changes
to your policies, 24/7, at
myinsurance.td.com
See over for highlights of the changes.
Page 1 of 12
TD General Insurance Company
Summary of your insured vehicle.
1. 2018 JEEP COMPASS LIMITED 4DR 4WD
For complete details, please refer to the enclosed
Certificate of Automobile Insurance.
As a result of the change, your
total premium payable is now:
$4,856.00
Taxes and fees, if applicable, are not included.
For complete details, please refer to your invoice.
Enclosed are your policy documents
confirming recent changes to your policy.
Please review them and contact us with any
questions - we’re here to help you!
Changes? Remember to contact us.
To make sure your coverage continues to fit your
needs, keep us informed if, for example:
• Your address is changing;
• There's a change in the usage of your vehicle; or
• There's a change in drivers for your vehicle.
To report or file a claim, or simply to
obtain advice before reporting a claim,
call our toll-free claims service number:
1-866-454-8910.
At your service, 24/7.
>
AUMACA002E-800598-20170701
HIGHLIGHTS of changes - review your policy documents for details

Veh No. Description Action

1 Vehicle Information Changed
Driver Oswaldo Rodriguez Removed
Driver Martin Emilio Rodriquez Added

The TD Insurance home and auto policies are underwritten by TD General Insurance Company and distributed by TD Insurance Direct Agency Inc.

Page 2 of 12
 TD Insurance
Direct Agency Inc.
101 McNabb Street
2nd Floor
Markham, ON L3R 4H8
T: 1-888-588-5999
F: 1-877-821-7505
January 20, 2024 www.tdinsurance.com

OSWALDO RODRIGUEZ
94 TRETHEWEY SUITE 1
YORK ON M6M 4B4

Welcome to TD MyAdvantage™, where your good driving helps you

pay less for your auto insurance policy # 00142139437, account #0049465154
Insured by: TD General Insurance Company

Dear Oswaldo Rodriguez,

Congratulations on signing up for TD MyAdvantage, helping your safe driving save you money! To
thank you for joining, we’re pleased to offer you a one-time enrollment discount for all new drivers
in the TD MyAdvantage program.

Your policy documents are enclosed. On your Certificate of Automobile Insurance, you’ll find:
• The names of all new drivers enrolled in the TD MyAdvantage program;
• The program effective date for newly added drivers;
• The confirmation of your TD MyAdvantage enrollment discount for each new driver in the
program.

Here’s how to start saving

• Follow the link in the e-mail we sent to each driver listed on your policy, and download the
TD MyAdvantage Mobile App to each enrolled driver’s smartphone.
• Activate the app on each smartphone right away to start collecting and analyzing each
enrolled driver’s driving data, and begin enjoying the driving insights the app can provide.
• Learn everything you need to know to make the most of TD MyAdvantage by consulting the
FAQ page in the app, or visit TDMyAdvantage.com for additional helpful information.

The safer you drive, the more you save - up to 25% upon renewal!

With every trip, the TD MyAdvantage Mobile App will help each driver learn more about their
driving. At your policy renewal, the driving data that has been transmitted will be analyzed and each
driver’s score will help determine the savings you could get.

(over, please)

The TD Insurance home and auto policies are underwritten by TD General Insurance Company and distributed by TD Insurance Direct
Agency Inc.

Page 3 of 12 AULECA274E-800928-20171101
Please note that the app is designed to use only a minimal amount of your data capacity. We’re not
liable for any data charges associated with the use of the app or any other applications.

Questions? We're ready for you

You are important to us, and we value you as a customer. If you have any questions about TD
MyAdvantage, or if you need technical assistance, please don’t hesitate to call 1-866-223-1030. Our
offices are open weekdays from 8:00 a.m. to 8:00 p.m. and Saturdays from 9:00 a.m. to 4:00 p.m.
You can also learn more by visiting TDMyAdvantage.com. We look forward to continuing to serve
you.

Sincerely,

P.S. Please be sure the TD MyAdvantage Mobile App is downloaded and activated for each
driver on the program. Then simply drive safely and you could be on your way to a lower
premium!

Encl.: Policy Documents

Page 4 of 12
 TD Insurance
Direct Agency Inc.
101 McNabb Street, 2nd Floor
Markham, ON L3R 4H8

Automobile Insurance Policy Change Details Invoice

Policy no.: 00142139437 Account no.: 0049465154
Invoice date: January 20, 2024
Insured by: TD General Insurance Company
Policy term: March 16, 2023 to March 16, 2024 You're benefiting
Change effective date: January 20, 2024
from these savings.
Payment Summary ü
Graduated Licensing
Discount-Principal Operator
Total term premium prior to change: $7,073.00 ü Multi-line discount
ü Winter Tire Discount
New term premium following change: $4,856.00 TD MyAdvantage Discount-Principal
ü
Premium adjustment as of effective date of change to end of Operator
$332.00CR ü Online quote discount
policy term:
ü Claims Free Reward
Total remaining balance excluding fees: $366.96

Questions?
No taxes applicable
If you have questions about your invoice,
Confirmation of Pre-Authorized Debits Agreement visit us online at
tdinsurance.com/myinsurance.
Thank you for your payment. Your pre-authorized debit payments including
installment fees, will be withdrawn in 1 installments on the dates below. You can view billing and payment details,
modify your payment plan or chat with an
Date & Premium Installment Total Amount advisor. You can also access MyInsurance
Fees Including Fees by scanning this QR code:
January 22, 2024 $366.96 $4.77 $371.73

Please verify your banking information below and contact us if any changes are
required. The first digits have been concealed to protect your personal information.

Name of bank account holder(s): Oswaldo Rodriguez

Financial institution: The Toronto-Dominion Bank
Transit number: ***82
Account number: ***3239
PAD category: Personal

You can also call us at 1-800-268-8955.

Please note that an administration fee of $35.00 will be charged when there are
insufficient funds for withdrawals. Payments received are applied to oldest charges
first on any balance owing. Please also note, if you choose to cancel your policy Reminder
before its expiry date, a cancellation fee will be charged based on your policy's When it's time to renew your policy, rest
cancellation table. See reverse side for information about pre-authorized debits. assured that your coverage will not be
interrupted and your payments will be
automatically withdrawn, up to 45 days
prior to the renewal date. We will be sure to
send you details of your payments before
your renewal date.

Page 5 of 12 ARINCA100E-801532-20190701
Page 6 of 12
 TD General Insurance Company
Certificate of Automobile Insurance - Ontario

Agency TD Insurance Direct Agency Inc. Replacing

Policy No. 00142139437 Policy No.
101 McNabb Street
2nd Floor This is your Certificate of Automobile Insurance. Contact your Broker/Agent with any questions or if you require
Markham, ON L3R 4H8 1-888-588-5999 clarification regarding your coverage choices.

Insurer TD General Insurance Company

66 Wellington St W., 39th FL
TD Bank Tower
Toronto, ON M5K 1A2

Name Insured

Oswaldo Rodriguez Lessor(s) (if applicable)

94 Trethewey DR UNIT 1 Auto No.
York ON M6M 4B4

Policy Period
Y M D Y M D
2023-03-16 < From To > 2024-03-16*
Y M D
Policy Change Effective Date > 2024-01-20 at 11:35 a.m.
* 12:01 a.m. All times are local times at the Named insured's primary address shown on this
Certificate.

Particulars of Described Automobiles

Automobile(s) Year - trade name - model or cc - cyl - body type - VIN (serial number) Purchased price List price new

1 2018 - JEEP - COMPASS LIMITED 4DR 4WD - 3C4NJDCB1JT422161

Lienholders

Automobile(s) Name of Lienholders to whom loss may be jointly payable

1 Scotia Bank

Insurance Coverages Automobile No. 1 Automobile No.

Liability Limit Premium Premium for Limit Premium Premium for

Occasional Drivers Occasional Drivers

Bodily Injury 1,737

1,000,000
Property Damage 77

Accident Benefits (Standard Benefits) As stated in As stated in

1,599
Section 4 of Policy Section 4 of Policy

Optional Increased Accident Benefits Limit Premium Premium for Limit Premium Premium for
Occasional Drivers Occasional Drivers
Income replacement ($600/$800/$1,000) (up to $ per week) Not purchased (up to $ per week)

Medical, Rehabilitation & Attendant Care Not purchased

($130,000/$1,000,000)
Optional Catastrophic Impairment As stated in Not purchased As stated in
(additional $1,000,000 added to Standard Section 4 of Policy Section 4 of Policy
Benefit or Optional Medical, Rehabilitation
& Attendant Care Benefit)
Caregiver, Housekeeping & Home Not purchased
Maintenance

Death & Funeral Not purchased

Dependant Care Not purchased

Indexation Benefit (Consumer Price Index) Not purchased

Uninsured Automobile As stated in As stated in

51
Section 5 of Policy Section 5 of Policy

Page 7 of 12 AUCEON001E-800690-20240101
 Insurance Coverages (continued) Automobile No. 1 Automobile No.
Direct Compensation - Property Damage*

*This policy contains a partial payment Deductible Premium Premium for Deductible Premium Premium for
of recovery clause for property damage Occasional Drivers Occasional Drivers
if a deductible is specified for direct
compensation - property damage. 0 536

Loss or Damage** Deductible Premium Premium for Deductible Premium Premium for
Occasional Drivers Occasional Drivers
Specified Perils
Included
(excluding Collision or Upset)
Comprehensive
1,000 115
(excluding Collision or Upset)

Collision or Upset 1,000 731

All Perils Not covered

** This policy contains a partial payment of loss clause. A deductible applies for each claim except as stated in your policy.

Policy Change Forms (OPCF No. and Premium Premium for Premium Premium for
Name, including limit if applicable) Occasional Drivers Occasional Drivers
OPCF 44R Family Protection Coverage 10
OPCF No. 23A Lienholder Protection No cost

Premium $4,856
Subtotals

*Total Premium for each Automobile $4,856

*Premium Subtotal + Occasional Driver Subtotal

Additional
Total Policy Premium $4,856 Premium or $332 CR
Refund
Total Policy Cost
Minimum Non-Refundable Premium $50.00 Tax $4,856.00

Rating Information
Driver Marital Yrs Driver's Assignment to Auto Convictions
No. Driver Name Age Status Lic. Training Principal Secondary Occasional Excluded Serious Major Minor

2 Martin Emilio Rodriquez 49 M 1 X 1

Chargeable Claims Surcharges Discounts

Auto Date
No. yyyy/mm/dd BI PD AB COLL/AP % Description % Description

Graduated Licensing Discount-Principal Operator -

included
Multi-line discount - included
1 Winter Tire Discount - included
TD MyAdvantage Discount-Principal Operator -
included
Online quote discount - included

Kilometres Driven Class Description

Auto To Work Gross Vehicle Weight Rating

No. Annually (One Way) (Commercial vehicles only) Class Description

1 10,000 5 02 Pleasure/Pleasure and driven to work

Driving Record Rate Group

Terr. Rating Territory
Auto No. 1 1 Auto No. Code Description
BI 1
PD 1 1 717 METROPOLITAN TORONTO DISTRICT, MARKHAM, RICHMOND HILL, VAUGHAN PEEL DISTRICT
AB 1 6
DCPD 1 26
COLL/AP 1 18
COMP/SP 17
Methods of Payment (See details on the enclosed invoice)
Remarks

Page 8 of 12
 TD General Insurance Company
Certificate of Automobile Insurance - Ontario

This Certificate is proof of a contract of insurance between the Named Insured and the Insurer, subject in all respects to the
Ontario Automobile Policy (OAP 1). In return for the premium charged and the statements contained in the Application, the
contract provides the coverage outlined in this Certificate. You only have a particular coverage for a specific automobile if this
Certificate shows a premium for it, or shows the coverage is provided at no cost. All other terms of the Policy remain the same
unless stated otherwise in this Certificate. Your Insurer will provide you with a copy of the Policy if you request it. This
Certificate is only valid if it is signed by an authorized representative of the Insurer.

President and Chief Executive Officer

For purposes of the Insurance Companies Act (Canada), this document was issued in the course of the Insurer’s insurance
business in Canada.

Warning: The Insurance Act provides that where (a) an Applicant for a contract, (i) gives false particulars of the
described automobile to be insured to the prejudice of the Insurer, or (ii) knowingly misrepresents or fails to disclose
in the application any fact required to be stated therein; or (b) the Insured contravenes a term of the contract or
commits a fraud; or (c) the Insured wilfully makes a false statement in respect of a claim under the contract, a claim
by the Insured, for other than such statutory accident benefits as are set out in the Statutory Accident Benefits
Schedule, is invalid and the right of the Insured to recover indemnity is forfeited.

Cancellation Request Policy No. 00142139437

(fill out and sign if you are requesting to cancel your policy)

In return for the unearned portion of the premium, if any, this policy is cancelled. Any interim and renewal certificates are no
longer valid.

Effective Date of Cancellation Time of Cancellation a.m.

p.m.

Signature of Named Insured Signature of Lienholder/Lessor

Page 9 of 12 AUCEON001E-800690-20240101
 TD General Insurance Company
Certificate of Automobile Insurance - Ontario

This is a brief explanation of the insurance outlined in this Certificate.

Liability Loss or Damage

Provides coverage for you or other insured persons if someone else is
killed or injured or their property is damaged in an automobile accident.
It will pay for legitimate claims against you or other insured persons up
to the limit of your coverage, and the cost of settling claims.
Accident Benefits
Your insurance company is obligated to explain details of Accident
Benefits coverage to you.
Provides benefits that you and other insured persons are entitled to
receive if injured or killed in an automobile accident. These benefits may
include: income replacement for persons who have lost income;
payments to non-earners who suffer complete inability to carry on a
normal life; payment of medical, rehabilitation and attendant care
expenses; payment of certain other expenses; payment of funeral
expenses and payments to survivors of a person who is killed. You may
also purchase optional benefits to increase the standard level of
benefits provided in the policy. The optional benefits your Insurance
company must offer are: income replacement; medical, rehabilitation
and attendant care; optional catastrophic impairment; caregiver
housekeeping and home maintenance; death and funeral; dependant
care; and an indexation benefit.
Uninsured Automobile
Provides coverage if you or other insured persons are injured or killed
by an uninsured motorist or by a hit-and-run driver. It covers damage to
your automobile and its contents caused by an identified uninsured
motorist.
Provides a selection of optional coverages for your own automobile.
Payments cover direct and accidental loss of, or damage to, a described
automobile and its equipment. There is usually a deductible amount
indicated for each coverage and this amount is either paid by you toward the
cost of repairs or is deducted from the loss settlement. Higher deductibles
may reduce your premium. There are four types of coverages:
• Specified Perils: Covers the described automobile against loss
or damage caused by certain specified perils. They are: fire;
theft or attempted theft; lightning; windstorm; hail or rising water;
earthquake; explosion; riot or civil disturbance; falling or forced
landing of aircraft or parts of aircraft; or the stranding, sinking,
burning, derailment or collision of any kind of transport in or
upon which the described automobile is being transported.
• Comprehensive: Covers a described automobile against loss
or damage other than those covered by Collision or Upset,
including perils listed under Specified Perils, falling or flying
objects, missiles and vandalism.
• Collision or Upset: Covers damage when a described
automobile is involved in a collision with another object or tips
over.
• All Perils: Combines the Collision or Upset and Comprehensive
coverages.

Direct Compensation - Property Damage

Provides coverage in Ontario, under certain conditions, for damage to
your automobile and to property it is carrying, when another motorist is
responsible. It is called Direct Compensation because you will collect
from us, your insurance company, even though you are not at fault for
the accident. There may be a deductible amount, and this amount is
either paid by you toward the cost of repairs or is deducted from the
loss settlement. Higher deductibles may reduce your premium. If you
elect not to recover damages from your insurance company under this
coverage, you may make such an election by providing written
confirmation to your insurance company of this election.

Warning – Offences

It is an offence under the Insurance Act to knowingly make a
false or misleading statement or representation to an Insurer in
connection with the person’s entitlement to a benefit under a
contract of insurance, or to wilfully fail to inform the Insurer of a
material change in circumstances within 14 days, in connection
with such entitlement. The offence is punishable on conviction
by a maximum fine of $250,000 for the first offence and a
maximum fine of $500,000 for any subsequent conviction.
It is an offence under the federal Criminal Code for anyone to
knowingly make or use a false document with
the intent it be acted on as genuine and the offence is punishable, on
conviction, by a maximum of 10 years imprisonment.
It is an offence under the federal Criminal Code for anyone, by
deceit, falsehood or other dishonest act, to defraud or to attempt to
defraud an insurance company. The offence is punishable, on
conviction, by a maximum of 14 years imprisonment for cases
involving an amount over $5,000 or otherwise a maximum of 2 years
imprisonment.

This Certificate contains important information about your automobile insurance.

Page 10 of 12
 Automobile Insurance Policy
Appendix

Attached to and forming part of this policy

Policy no. Effective date (yyyy-mm-dd) Insurer

00142139437 2023-03-16 at 11:35 a.m. TD General Insurance Company

Insured
Oswaldo Rodriguez

OPCF 23A
Lienholder Protection
1. Purpose of This Change
1.1 This change is part of your policy. It protects the
lienholder's interest in your automobile if you have a
claim for a loss covered under Section 6 "Direct
Compensation - Property Damage" and Section 7 of
your policy, "Loss or Damage Coverages."
Lienholder Name and Address (the "Lienholder")
Scotia Bank
10 Wright BLVD
Stratford ON N4Z 1H3
to the extent of the lienholder's interest.
2. Joint Payment
If we are settling a claim with you and your automobile is not
repaired or the lost or damaged parts are not replaced, we will jointly
pay you and the lienholder for any loss covered under Section 6 of
your policy, "Direct Compensation - Property Damage", provided you
have not made an election not to recover from us under this coverage,
and Section 7 of your policy, "Loss or Damage Coverages."
3. Notifying the Lienholder
If any coverage in Section 6 and/or in any subsection of Section 7 of
your policy is cancelled, we must notify the lienholder in writing at
least fifteen days before the cancellation. However, this obligation
ends on the expiry date shown on this form.

If you have purchased any coverage under Section 7 but do not

cooperate with any reasonable arrangements we make to inspect your
automobile, we must notify the lienholder in writing. The lienholder's
rights under the coverage will not be affected except after 15 days
1.2 This change applies to the following automobile(s): following the date of mailing of such notice.

Automobile Number Model Year Make and Model Serial Number/V.I.N. Expiry Date of this
Endorsement
1 2018 JEEP COMPASS 3C4NJDCB1JT422161 2024-02-04
LIMITED 4DR 4WD
Insurance provided under Section 6 and/or Section 7 of your policy.

Direct Compensation - Property Damage $0 Deductible

Specified Perils Included
Comprehensive $1,000 Deductible
Collision $1,000 Deductible
All Perils Not covered

All other terms and conditions of your policy remain the same.

Page 11 of 12 AUAPON23AE-800730-20240101
Page 12 of 12