PART ONE: DEFINITIONS
This Agreement contains certain words and terms which, for the purposes
of this Policy, have a specic meaning. The following “Denitions” apply to
the words and terms used in your Agreement and have the following stated
meaning:
“Agreement and/or Policy” means and/or refers to this Vehicle Extended
Warranty Service Agreement.
“Authorized Repair Facility” means and/or refers to one of Global’s Preferred
Repair Centres or a Licenced Repair Facility pre-approved by Global.
“Claim” means and/or refers to all covered costs of mechanical breakdown
and/or failure at time of repair visit.
“Commercial Purposes” means and/or refers to any vehicle used for route
service, repair or service, job site activities, rental, shuttle, landscaping, taxi,
livery, limousine, heavy delivery, courier, public hire, eet use, snow removal,
towing, road repair, construction, hauling farming, ranching, mining, forestry,
ambulance, police, emergency service, civil service, driving school, off-road
use, racing, or competitive driving as deemed solely by Global Warranty.
“Covered Parts and/or Benets” means and/or refers to the parts and/or
benets described and listed in PART THREE of this Agreement.
“Covered Vehicle” means and/or refers to your vehicle described in this
Agreement.
“Dealer” means and/or refers to a fully provincially licenced seller of
automotive, recreational vehicle, or power sports in the province in which the
seller conducts business.
“Deductible” means and/or refers to the rst monetary portion of the vehicle
repair costs due to mechanical breakdown and/or failure of a covered part
under the Agreement.
“Exclusions” means and/or refers to parts/services/benets/conditions not
covered in the Agreement.
“Fee” means and/or refers to the total sum payable by you through the Dealer
to Global for this Agreement and shall include ALL applicable surcharges,
options and taxes.
“Global” means and/or refers to Global Warranty™ or Global Warranty
Corporation where the owner/lessee resides in the Yukon, Northwest and/
or Nunavut Territories, the Provinces of Manitoba, Ontario, New Brunswick,
Nova Scotia, Prince Edward Island or Newfoundland or Global Warranty (West
Coast) Corporation where the owner/lessee resides in the Provinces of British
Columbia, Alberta or Saskatchewan.
“Light Commercial Purposes” means and/or refers to any vehicle up
to a 1,000 kg/1 ton size (max. 5,500 lb load capacity ) used for any other
Commercial Purpose that does not fall under the “Commercial Purposes”
denition as deemed by Global Warranty.
“Limits of Liability” means and/or refers to the maximum limits of any coverage or
benet of your Agreement, and shall include all applicable taxes.
“Maintenance Obligations” means and/or refers to PART FOUR, clause 4.1.
“Manufacturer Warranty” means and/or refers to the full factory warranty or
the original factory powertrain warranty provided by the manufacturer of the
covered vehicle.
“Mechanical Breakdown/Failure” means and/or refers to the inability of a
covered part to perform the function for which it was originally designed under
normal service.
“Original In-Service Date” means and/or refers to the date the factory brand
new vehicle rst went into service by the original owner.
“Reasonable Cost” means and/or refers to charges to repair or replace covered
parts including labour at prevailing labour rates at a Licenced Repair Facility and
according to the Current Industry Labour Guide (Global uses Snap-On Shopkey)
using new, rebuilt, or parts of like kind and quality, which may, from time to time,
include serviceable Used parts.
“Repair or Repairs” means and/or refers to the xing or replacement of
covered parts relevant to your covered vehicle.
“Selling Dealer” means and/or refers to the Licenced Vehicle Dealership or
Leasing Company where you purchased this Agreement.
“Term” means and\or refers to the length of time and/or kilometers selected
by you on this Agreement.
“Wear and Tear” means and/or refers to the gradual reduction of operating
performance due to normal usage of a covered part.
“Wholesale Value” means and/or refers to the actual cash value as indicated in
the current Canadian Black Book at the time of your repair visit.
“You, Your” means and/or refers to the applicant (owner, lessee or transferee
of the vehicle) in this Agreement.
“Zero Deductible” means and refers to the waiver of the monetary deductible
if you have purchased this option under this agreement.
PART TWO: COVERAGE SECTION
2.1 In return for the payment of a fee by yourself through the Dealer to Global
Warranty to purchase this Agreement, and:
• provided that all statements made by you and your Dealer in this Agreement
are correct, and
• provided you have complied with all Terms and Conditions contained in this
Agreement and the vehicle, subject to all limitations and exclusions
Global agrees to pay the reasonable costs for authorized repairs or replacement
of covered parts which cause a mechanical breakdown and/or failure.
2.2 You shall indicate in the applicable space on the face of this Agreement
the selected Warranty term and options which you desire:
1 Star: “POWERTRAIN DRIVE” coverage as listed in PART THREE, clauses
3.1 to 3.11.
2 Star: “ADVANTAGE DRVIE” coverage as listed in PART THREE, clauses
3.1 to 3.15.
3 Star: “MAXIMUM DRIVE” coverage as listed in PART THREE, clauses 3.1
to 3.18.
4 Star: “ULTIMATE DRIVE” coverage as listed in PART THREE, clauses 3.1
to 3.27.
“ULTIMATE FACTORY TOP UP” coverage as listed in PART THREE,
clauses 3.10 to 3.27.
2.3(a) Coverage for Ultimate 1 Star through to 4 Star programs shall begin
on the date of sale or lease of your vehicle at the then current odometer
reading, and shall end when your covered vehicle has travelled the stipulated
kilometers or when the stipulated time period has ended indicated in this
Agreement, whichever occurs rst.
(b) Coverage for Ultimate Factory Top Up program shall start from the Original
In Service Date when the odometer reading was zero (0), and shall end
when your covered vehicle has travelled the stipulated kilometers or when
the stipulated time period has ended indicated in this Agreement, whichever
occurs rst, provided that the Manufacturer’s Full or Powertrain Warranty is in
effect at time of sale or lease.
(c) Ultimate 1 Star through 4 Star programs can be Deferred at the time of sale
or lease of your vehicle to start when the Manufacturer’s Powertrain Warranty
expires (which shall not exceed 160,000 kilometres on all 1 and 2 Year Terms
and which shall not exceed 120,000 kilometres on all 3 and 4 Year Terms.)
either by date or kilometers, whichever occurs rst.
2.4 Your Agreement shall carry a maximum limit of liability, which shall
not exceed the Wholesale Value of your vehicle at the time of a covered
breakdown/failure. With respect to each individual claim under your
Agreement, Global’s maximum liability shall be as indicated by you on the
face of your Agreement or the Wholesale Value whichever is the lesser.
2.5 In the event of a covered mechanical breakdown/failure, on Ultimate 1
and 2 Star programs, you shall pay a Deductible fee of the rst $100 (one
hundred) for each repair visit and the rst $150 (one hundred and fty) on
Ultimate 3, 4 Star programs and the Ultimate Factory Top Up program. You
shall not pay a Deductible for Towing, Trip Interruption, or if you have selected
the Zero Deductible option.
PART THREE: COVERED PARTS AND BENEFITS
ULTIMATE 1 STAR “POWERTRAIN DRIVE” coverage includes: Parts 3.1
to 3.11 inclusive.*
3.1 ENGINE ALL internally lubricated parts; engine block, cylinder heads,
intake manifolds & plenums, exhaust manifolds, timing belt, cover, oil pan,
valve covers, harmonic balancer & pulley, engine mounts, engine torque
struts, dip stick & tube, oil pressure sending unit, temperature sending unit,
water pump, starter/solenoid, alternator/regulator & engine wiring harness.
Excludes high pressure oil pump.
3.2 TRANSMISSION
a) Automatic ALL internally lubricated parts: case, torque converter, vacuum
modulator, oil pan, ex plate, dip stick & tube & transmission mounts,
transmission cooler and lines, shift lever sub assembly & transmission wiring
harness.
b) Standard ALL internally lubricated parts: case, ywheel, ring gear & mounts,
Excludes: Clutch & all related components, slave cylinder, pressure plate,
clutch bearing, external linkages & shifter.
3.3 DIFFERENTIAL
a) Front Wheel Drive Vehicles (transaxle) ALL internally lubricated parts:
case, housing, cover, mounts & viscous coupler.
b) Rear Wheel Drive Vehicles (differential) ALL internally lubricated parts:
case, housing, cover, mounts & viscous coupler.
3.4 TRANSFER CASE (4X4 & AWD) ALL internally lubricated parts: case,
housing, electronic & vacuum engagement components, cover & mounts.
3.5 AUXILIARY DIFFERENTIAL ALL internally lubricated parts: case,
housing, locking hubs, cover, mounts & viscous coupler.
3.6 TURBOCHARGER ALL internal parts: housing, waste gate controller, inter
cooler, hard lines & bearings. {Turbo engines must use turbo-rated oil}
3.7 SUPERCHARGER ALL internal parts: housing, compressor, clutch, pulley,
bearings, by-pass valve, intercooler & coolant pump.
3.8 TOWING (for mechanical failure) Reimbursement shall be made to you up
to a maximum of $50 (fty) per occurrence for towing expenses incurred due
to a mechanical failure and/or breakdown covered in your Agreement. A valid
towing receipt including a valid odometer reading must be submitted.
3.9 TRIP INTERRUPTION Reimbursement shall be made up to $150 (one
hundred and fty) maximum for the term of the Agreement chosen with a $50
(fty) maximum per day for lodging, meals, bus or taxi, if you are more than 150
(one hundred and fty) kilometers away from home (one way) and a Licensed
Repair Facility cannot provide same day/emergency service covered under
your Agreement. (Valid receipts must be provided)
3.10 SEALS AND GASKETS ALL Seals/Gaskets used within the listed parts.
3.11 WEAR AND TEAR ALL listed part failures caused by Wear and Tear.
2 STAR “ADVANTAGE DRIVE ” coverage includes: Parts 3.1 to 3.15
inclusive.*
3.12 DIAGNOSTICS In the event of a covered claim, diagnostics shall be covered
at Global’s sole discretion, excluding the rst hour. {Pre-approval required}
3.13 DRIVELINE PLUS Drive shafts, hanger bearings, axle shafts, CV joints
& boots, & universal joints.
3.14 BRAKING SYSTEM Master cylinder, assist booster, proportioning valves,
wheel cylinders, backing plates/return springs, front/rear calipers, hard lines/
ttings, brake linkage, cables & ex lines.
3.15 ELECTRICAL SYSTEM Ignition coil, windshield wiper motors & washer
pumps, heater motor & fan, electronic ignition module (excluding computer
system), & horn assembly.
3 STAR “MAXIMUM DRIVE” coverage includes: Parts 3.1 to 3.18 inclusive:*
3.16 AIR CONDITIONING (Front & Auxiliary) Compressor, clutch assembly
& pulley, condenser, evaporator, accumulator & receiver dryer, expansion
valve, orice tube, idler pulley & bearings, POA valve, high/low pressure
cut off switches, pressure cycling switches & temperature/climate control
module(s) A/C hard lines, belt tensioner, oil & refrigerant (with covered repair),
& refrigerant lines.
3.17 FUEL AND INJECTION SYSTEMS Fuel pumps, injection & distribution
pumps, fuel tank & sending unit, fuel injectors & rails, fuel hard lines, pressure
regulators, & diesel vacuum pump.
3.18 STEERING SYSTEMS Rack & pinion, power steering pump & pulley,
uid reservoir & steering gear, inner & outer tie rod ends & bellows, main &
intermediate shafts, pitman arms, idler arms, centre link, steering knuckle
(spindle), king pins & bushings, cooler & hard lines, control valve, phase
control unit, power steering hoses, rear steering shafts & couplings, relays &
sensors, steering dampener, stepper motor, & tilt steering mechanism.
4 STAR “ULTIMATE DRIVE” coverage includes: Parts 3.1 to 3.27 inclusive:*
3.19 HEATING & COOLING Radiators, radiator fan motor, fan motor blades,
heater core, fan clutch assembly, heater control valve, coolant recovery unit,
thermostat, & fan shroud.
3.20 SUSPENSION SYSTEM Upper/lower control arms, upper/lower ball
joints, control arm shafts, stabilizer shafts, linkage & bushings, torsion bar &
mounts, wheel bearings, control module, mode selector, rear control arms,
links & bushings, rear spindle, rear sway bar, links, mounts & bushings.
3.21 ELECTRONIC HI – TECH Electronic ABS & TCS including: brake control
module, exciter rings, pump motor/hydraulic unit, relays, accumulators,
pressure modulator valve assembly; electronic transmission controller, body
control module (BCM), fuel ignition computer control modules, cruise control
servo, transducer & cable, digital & analog dash instrumentation, electronic
load leveling compressor motor, lines & limiter valve, anti-theft module, idle air
control, isolation dump valve, image processor, data communication module,
& distance module(s).
3.22 SENSORS & SWITCHES Cam sensors, crank angle sensor, knock
sensor, wheel speed sensors, oxygen sensors, fuel level sensor, height
sensors, spark detonation sensors, rear defrost switch, stop lamp switch, turn
signal switch, wiper switch, multi-function switch, headlight switch, ignition
switch, cruise switches, power tailgate switches, heater & A/C blower switch,
obstacle sensor, distance sensor, & radar sensor.
Global Warranty
471 Waterloo St., London, ON, Canada N6B 2P4
TL: 1.800.265.1519 www.globalwarranty.com
TERMS AND CONDITIONS
on weekends or holidays, you must: access a list of Preferred Repair
Centres at our website, www.globalwarranty.com; make all necessary
arrangements; and call Global directly on the rst business day following
the breakdown/failure and follow (b & c) above;
(f) Once Global is satised that all Terms and Conditions have been met,
Global shall determine whether the claim is covered under your Agreement.
If coverage is extended, Global shall issue an authorization number to
proceed with the repair(s);
(g) After the repair(s) is/are completed, Global shall pay the Repair Facility
directly for covered costs, LESS any applicable charges which are your
responsibility including any Deductibles, unauthorized diagnostic fees or
charges, consequential repairs or services, miscellaneous items, and all
applicable taxes to these items. Note, in the event that circumstances arise
where the above procedures are not practical, and repairs must occur at a
Non Authorized Repair Facility, Global shall reimburse you (upon receipt of a
valid itemized invoice) the amount it would normally pay for similar repairs at
an Authorized Repair Facility LESS your portion, providing prior approval has
been obtained and you have submitted the repair invoice within 30 (thirty) days.
Global Warranty reserves the right to:
(a) Refuse any repair cost or estimate deemed unreasonable (in its sole
discretion) relative to other alternatives;
(b) Recommend alternative costing or parts supply directives;
(c) Examine the covered vehicle at its sole discretion;
(d) Ownership of all covered replaced parts of your vehicle.
PART SIX: PARTS AND SERVICES NOT COVERED
This Agreement provides NO COVERAGE to you for the following:
(a) Any Part or Benet not specically listed in PART THREE;
(b) Maintenance services & parts as described in the vehicle owner’s
manual for your covered vehicle and other normal maintenance services
and parts which include but are not limited to: All lters, distributor cap and
rotor, spark plugs/wires, glow plugs, hoses, tubes, belts, brake pads/shoes/
rotors/drums, McPherson struts and/or shock absorbers, coil/leaf springs,
wiper blades/arms, block heaters, glass, lenses, fuses, light bulbs, wiring
(unless specically listed), exhaust system, tire & rims, batteries & battery
cables, and/or the service operations required;
(c) Other services, which include but are not limited to: adjustments,
cleaning, alignments, wheel balancing, tune-ups, retrots, recalibrations
and/or reprogramming, excessive diagnostic charges;
(d) Any items which include but are not limited to: upholstery, convertible
tops, plastic/panels or trims, carpet, safety restraint systems, heated seats,
speakers, remote control units, paint, body panels, weather stripping, door
handles, bumpers, mouldings, running boards, spare tire carrier or any
other after factory add-on.
PART SEVEN: WARRANTY COVERAGE EXCLUSIONS*
This Agreement provides NO COVERAGE to you for the following:
(a) Damage caused by failure to maintain your vehicle or fully adhere to
and comply with your Obligations under PART FOUR of this Agreement,
maintenance obligations, or any manufacturer suggested service
schedules, recommendations, parts replacements; or
(b) Failure of a non-covered part. Note: Coverage shall also exclude the
cost of repairs and replacement of covered parts where their replacement
is made necessary as a result of or due to the failure of a non-covered
part. If a part is not covered, then the labour to replace the part is also
not covered; or
(c) Repair or replacement of any part if a mechanical breakdown and/or
failure has not occurred; or
(d) On Ultimate 1 thru 4 Star programs and the Ultimate Factory Top Up
program: any repair or replacement on any part that the eld tolerances
have not exceeded the manufacturer’s specications for your covered
vehicle; or any part which has not failed but which a repair facility
“recommends/requires/suggests” to be repaired/replaced; or
(e) Any breakdown and/or failure caused by collision, re, theft, vandalism,
explosion, freezing, overheating, rust/corrosion, contamination, water, acts of
God, salt and environmental damage; or any squeaks, rattles, whines, noises; or
(f) Any repair or replacement of parts due to carbonized or burnt valves,
seized piston rings or resultant breakage; or
(g) Any damage caused by misuse, abuse, negligence, or failure to
immediately protect your covered vehicle from further damage when a
breakdown and/or failure has occurred; or failure to maintain proper levels
of oil, lubricants, coolants, uids, and lters; or
(h) Damage as a result or contributed by the vehicle towing anything
weighing more than 1,000 (one thousand) kilograms, unless the vehicle
is equipped with a factory installed or authorized tow package; or
(i) Any problems/conditions existing prior to this Agreement or existing
during the Manufacturer’s Warranty Term, any breakdown and/or
failure covered by any warranty, manufacturer recall or any repairer’s
guarantee; or
(j) Any damage if your odometer does not reect the correct reading,
has been altered, broken, disconnected and repairs have not been
made; or
(k) Loss of vehicle use, time, prot, inconvenience, or other incidental
or consequential loss that results from a breakdown and/or failure; or
(l) Any consequential and/or resultant loss, damage, injury or death
(including any costs or expenses, legal or otherwise related) of any
kind or nature whatsoever, suffered by any person, rm or corporation
arising directly or indirectly from any repair, delay or failure to make
repairs covered under this Agreement, including (but so as not to limit
or restrict the generality of the denition of “repair” herein), labour &
workmanship incidental to such repairs; or
(m) Any breakdown and/or failure caused by contamination or loss of
uids, fuels, coolants, or lubricants; or
(n) Any Emission Control or related parts replacement as recommended
by or the result of either a Federal or Provincial legislation/regulation; or
corrections to the manufacture of the covered vehicle as recommended
by Special Service Bulletins; or
(o) Any damage to your covered vehicle as a result of but not limited
to incorrect tires/rims, emissions or exhaust modications, fuel system
or ignition modications, frame or suspension modications, any
after-factory modications such as add-ons, high performance parts,
equipment or accessories, snow plow; or
(p) Any repairs made without Global’s full authorization regardless of
the situation.
PART EIGHT: MISCELLANEOUS PROVISIONS
CANCELLATION: You may cancel your Agreement (providing you
submit a written request) through the Selling Dealer within 10 (ten) days
of purchase, subject to Global’s consent, less any Claims authorized,
less an administration fee of $100 (one hundred), and all applicable
taxes, thus causing termination of your Agreement.
REFUND: Your Agreement may only be refunded (for a $100
administration fee) to the lien-holder only, on a pro-rata basis, in the
event of a total loss or repossession of your covered vehicle, subject to
Global’s consent, less any claims authorized, all applicable taxes, and
subject to submitting proper documentation to Global.
TRANSFER: You may transfer this Agreement, if active, to an eligible
private party to whom the covered vehicle is sold providing all Terms &
Conditions and maintenance obligations have been met and subject
to Global’s consent. You must send Global all maintenance records, a
$100 (one hundred) transfer fee (plus applicable taxes), and the name
and address of the new purchaser within fteen 15 (fteen) days of a
change of ownership. Subsequent transfers are not permitted.
RENEWAL: You may renew this Agreement through the Selling Dealer
prior to expiration of coverage at Global’s current Price Fees, with
eligibility provided by this Agreement subject to Global’s guidelines,
and provided that you are not in breach of this Agreement, its Terms
& Conditions, and you have met and complied with all maintenance
obligations under this Agreement. In order to renew, you must send
Global all maintenance records for approval, and provide an inspection
of your vehicle (if requested) at your expense.
OTHER/MISCELLANEOUS: This Agreement is governed by the laws
of the Province of the Selling Dealer and shall be binding upon and
ensure to the benet of the heirs, successors and permitted assigns
Global Warranty and you. Global Warranty (West Coast) Corporation
(“Global Warranty”) is the duty appointed administrator of the Global
Warranty Policy (“The Policy”) for Fenchurch General Insurance
Company. Notice to Global Warranty is hereby deemed to be notice
to Fenchurch. The obligations of your Agreement are insured by:
Fenchurch General Insurance Company located at Promontory II, 2655
North Sheridan Way, Suite 115, Mississauga, Ontario, Canada, L5K
2P8, under Master Surety Agreement #FG-GW01.
3.23 POWER ACCESSORIES Hidden headlamp motors, daytime running
light module, power window motors & switches, power regulators, keyless
entry systems (excluding remotes), door control module, power door lock
actuators & switches, power seat motors & switches, power antenna,
electronic trunk release actuators, exterior mirror motors, sunroof motors,
convertible top motors, child safety door lock mechanism, fuel door release
cable, glove box & console lock mechanism, hood latch, hood release
cable, inside door handle, jack, hood & hatch supports, trunk latch, trunk
release cable, & rear defrost grid (excluding glass replacement).
3.24 EMISSIONS Air bypass valve, ASD & EEC relays, canister purge
solenoid, map & barometric sensors, mass air ow, PCV valve tube, &
vapour canister.
3.25 AIR BAGS ALL components of the Air Bag system.
3.26 AUDIO/VIDEO ALL original factory installed audio & video equipment
& GPS/Navigation System.
3.27 HYBRID COMPONENTS Battery charger, electric motor, generators,
high voltage cables, power controller, & convertor/invertor.
“ULTIMATE FACTORY TOP UP” coverage includes: Parts 3.10 to 3.27
inclusive.*
PART FOUR: YOUR MAINTENANCE OBLIGATIONS
4.1 In order to receive any coverage described in this Agreement with
respect to any necessary and required repairs covered by this Policy, you
must maintain and service the covered vehicle (at a licenced repair/service
facility) by completing. (the following minimum requirements) from the date
of vehicle purchase and with the then current odometer reading:
(1) Change the engine oil and lter on your covered vehicle;
(2) Check and maintain ALL uid levels;
(3) Check and/or replace ALL lters as required;
In addition to having completed the above, you must follow ALL Manufacturer’s
suggested maintenance (severe) service schedules as specically outlined in
the vehicle warranty booklet or manufacturer’s website.
“Do-it-yourself” oil changes or related services shall not be accepted
as proof of maintenance on any ULTIMATE SERIES programs.
4.2 For Ultimate 1 & 2 Star Series Policyholders, the maintenance
requirements are:
Every 4 (four) months or 8,000 (eight thousand) kilometers, whichever
occurs rst.
4.3 For Ultimate 3, 4 Star and Ultimate Factory Top Up Policyholders, the
maintenance requirements are: Oil Life Monitor, or 8 (eight) months or
12,000 (twelve thousand) kilometers, whichever occurs rst.
4.4 For all Policyholders, maintenance services must be completed within
the Grace Period of 30 (thirty) days of due date, or within 1,000 (one
thousand) kilometers of the above (whichever occurs rst) and you must
retain all invoices detailing dates and services completed, with VIN and the
then odometer reading. Failure to produce such valid invoices, regardless
of cause, constitutes non completion of services and shall, at Global’s
sole discretion, result in the denial of coverage as you shall be in non-
compliance with the Terms and Conditions of this Agreement.
4.5 For Policyholders using Synthetic Oil, the maintenance requirements
are 8 (eight) months or 12,000 (twelve thousand) kilometers, whichever
occurs rst. Grace Period also applies.
PART FIVE: CLAIMS & PROCEDURES
5.1 In the event of a mechanical breakdown and/or failure expressly
covered under this Agreement, and so as to not exclude coverage under
this Agreement, you must follow the specic procedures listed below:
(a) Take immediate action to prevent further vehicle damage and taking
reasonable steps to secure timely repairs and/or calling for towing;
(b) Contact Global’s Claims Department directly during regular business
hours: Monday-Friday 9:00 AM – 5:00 PM EST @ 1-800-265-1519 in
Canada or the U.S. or by fax at 1-519-663-8013 or visit our website at
www.globalwarranty.com;
(c) Give your full name & phone number, current odometer reading on your
vehicle, the last six digits of your V.I.N. or the Warranty # as provided on
your Warranty Policy Conrmation;
(d) Global shall direct you to an Authorized Repair Facility. You must give
full consent for inspection/teardown to determine the exact cause of the
mechanical breakdown and/or failure. Diagnostic/teardown charges or
expenses may be your responsibility;
(e) In the event you have a Claim after our normal business hours,
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