NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS ENDORSEMENT – (ND-PVSE 07 14)

PERSONAL VEHICLE SHARING EXCLUSION ENDORSEMENT With respect to coverage provided by this endorsement, the provisions of the policy apply unless

modified by this endorsement.

On Page 3, Definitions is modified by adding the following:

11. Personal Vehicle Sharing Program – means:

A program that allows your auto to be used by a person other than you or a household

member under the terms of a written agreement.

The policy is additionally modified by this endorsement, as follows:

While your auto is:

a. Enrolled in a personal vehicle sharing program; and

b. Being used in connection with such personal vehicle sharing program by anyone other than

you or a household member. We will not pay for any claim for injury or property damage under the following Parts of the

policy:

Part 1. Bodily Injury To Others

Part 3. Bodily Injury Caused By An Uninsured Auto

Part 4. Damage To Someone Else’s Property

Part 5. Optional Bodily Injury To Others

Part 6. Medical Payments

Part 7. Collision

Part 8. Limited Collision

Part 9. Comprehensive

Part 10. Substitute Transportation

Part 11. Towing and Labor

Part 12. Bodily Injury Caused By An Underinsured Auto

ND-PVSE 07 14 Page 1 of 1

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY MANDATORY ENDORSEMENT ND-0099-S (ED. 7-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

ND-0099-S 07 14 Page 1 of 1

21. Actual Cash Value 22. Unlicensed Operators

General Provisions and Exclusions On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a

consideration of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator

is operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

If your auto is not registered or its registration has been suspended, we may refuse to pay

claims or limit our payments arising from accidents that occur while you or anyone who

customarily operates your auto is operating your auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

23. Suspended Registration

ND-0001-S (Ed. 07/14) Page 1 of 3

The Norfolk & Dedham Mutual Fire Insurance Company®

MASSACHUSETTS ENDORSEMENT – ND-0001-S

PersonalPak™ Auto

With respect to the additional coverages provided by this endorsement, the terms of the policy apply unless

modified below.

These additional coverages apply only if the Coverage Selection Page indicates that Part 7, Collision and Part

9, Comprehensive coverages apply to your auto.

1. Accidental Discharge of Airbag Coverage

A. Airbag Coverage

We will pay the cost to repair or restore a safety airbag in your auto which has accidentally

discharged. No deductible applies to this Airbag Coverage.

B. Conditions

If you are entitled by other insurance or warranty for the cost to repair or restore the airbag, we will

pay only the cost not covered by the other insurance or warranty.

2. Auto Loan/Lease Coverage

A. Definitions

For the purpose of this coverage the following definition is added to the Definitions of your policy:

“Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to its

pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. Auto Loan/Lease Coverage

The Auto Loan/Lease coverage applies if a covered, total loss occurs to your auto and:

(1) The auto is a private passenger, pick-up or van, as defined in Rule 27, except that antiques, motor

homes/camper bodies are not eligible.

(2) The total loss occurred:

a. Within 36 months of the date you financed/leased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 45,000.

C. What We Pay

In the event of a covered total loss to which this endorsement applies, we will pay any unpaid amount

due on the auto loan or lease up to the limit stated in (4) D below for the auto, less:

(1) Any amount paid for the loss under Part 7, Collision or Part 9, Comprehensive of the policy; and

(2) The amount of the applicable deductible subtracted from the loss paid under Part 7, Collision or

Part 9, Comprehensive of the policy; and

(3) Any:

a. Overdue loan or lease payments at the time of the loss; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high

mileage;

ND-0001-S (Ed. 07/14) Page 2 of 3

c. Security deposits not refunded by a lessor;

d. Costs for Extended Warranties, Credit Life insurance, Health, Accident or Disability insurance

purchased with the loan or lease; and

e. Carry-over balances from previous loans or leases.

(4) Condition

If you are entitled to other insurance for this coverage, we will pay only the cost in excess of the other insurance, subject to the limitations listed above.

D. The Most We Will Pay

The most we will pay under this additional coverage part is limited to $5,000 greater than the Actual

Cash Value of the covered auto. 3. Excellent Driver Reward

A. Conditions

This applies if a covered loss occurs to your auto and:

(1) The operator at the time of the loss was licensed at least 6 years and has an Operator SDIP Rating

of 99, 98, or 00; and

(2) Is a listed operator on your policy; and

(3) The Deductible Reduction coverage has not been provided during the current policy term.

B. Deductible Reduction coverage

Under Part 7, Collision or Part 9, Comprehensive, the following is added to the deductible provisions:

In the event of a covered loss the deductible amount shown on the Coverage Selection Page will be

reduced by $250.

4. New Car Protection

A. Definitions

For the purpose of this coverage the following definitions are added to the Definitions of your policy:

(1) “New” does not mean

a. Previously titled under the motor vehicle laws of any state. b. Substitute or non-owned vehicle.

c. Leased vehicle.

d. Motorcycle, motor home/camper body or trailer.

(2) “Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to

its pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. New Car Protection

The New Car Protection amends the amount we pay under Part 7, Collision coverage or Part 9,

Comprehensive coverage if a covered total loss occurs to your auto and:

(1) Your auto is new; and

(2) The total loss occurred:

a. Within 12 months of the date you purchased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 15,000.

ND-0001-S (Ed. 07/14) Page 3 of 3

C. What We Pay

We will pay, less the applicable deductible:

(1) The cost in cash for you to obtain a new auto. The new auto will be the same year, make, model

and optional equipment installed at the date you purchased your auto.

(2) If such an auto is unavailable, we will pay the cost in cash for you to obtain an available auto

which will be similar in class and body type to the year, make, model, and optional equipment

installed at the date you purchased your auto.

D. Condition

The most we will pay under this additional coverage is the lesser of the amount you paid for your

auto plus any rebate and/or trade-in value, or the Manufacturers Suggested Retail Price (MSRP) of

the vehicle of the same year, make, model, and optional equipment installed at the date you purchased

your auto.

5. Pet Injury Coverage

We will pay, regardless of the number of pets involved:

A. Up to $500 for reasonable and customary costs actually incurred by you within 96 hours for

veterinary fees arising out of a collision; and

B. Up to $1,000 of the amount you have actually incurred to replace your pet if it dies in the collision.

Coverage only applies if your pet is inside the covered auto or non-owned auto at the time of the collision.

Pet is defined as a cat or dog. However, this coverage does not apply to the following dog breeds, or any

mixed breed dogs containing any part of a breed, listed below:

(1) Akita (4) German Shepherd (7) Rottweiler

(2) Chow Chow (5) Perro de Presa Canario (8) Shibu Inu

(3) Doberman Pinscher (6) Pit Bull or Pit Bull Type (9) Wolf Hybrid

If you have a claim which provides coverage under both: 2. Auto Loan/Lease Coverage and 4. New Car

Protection, the most we will pay is the greater amount of either: 2. Auto Loan/Lease Coverage or 4. New

Car Protection but in no circumstance will we make payments under both: 2. Auto Loan/Lease Coverage

and 4. New Car Protection.

6. Actual Cash Value

We shall determine the auto’s Actual Cash Value as stated in Mandatory Endorsement – ND-0099-S.

iii Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

2014 MEMORANDUM OF CHANGES

1. Private Passenger Endorsement Index

B-1 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PRIVATE PASSENGER ENDORSEMENTS - ALPHABETICAL INDEX

ENDORSEMENTS FORM NO.

Agreed Amount – Comprehensive MPY-0034-S Antique Auto M-0047-S Coverage for Anyone Renting An Auto To You M-0070-S Coverage for Customized Vans and Pickups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion - Motorcycles M-0002-S Medical Payments Endorsement M-109-S Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S Notice to Policyholders ND-0003-PN Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Stated Amount Coverage MPY-0027-S Suspension of Coverage - Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S Use of Other Autos - Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0052—S Waiver of Deductible MPY-0016-S FORMS

Massachusetts Automobile Insurance Policy Application for Massachusetts Motor Vehicle Insurance Coverage Selections Page Massachusetts Renewal Form Annual Mileage Discount Form Application for Benefits – Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer N&D® FORM NO.

PersonalPak™ Auto ND-0001-S Accident Forgiveness ND-0003-S Mandatory Endorsement ND-0099-S Personal Vehicle Sharing Exclusion ND-PVSE

B-2 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PERSONAL AUTO FORMS INDEX

(MASSACHUSETTS)

For Vehicles Not Subject to the Compulsory Law

FORM TITLEPOLICY FORM NUMBER

Personal Auto Policy PP 00 01 Amendment of Policy - Massachusetts MP 00 99

Endorsements Additional Insured – Lessor PP 03 19 Auto Loan/Lease Coverage PP 03 35 Certificate of Insurance - Trusts PP 03 33 Change of Endorsement PP 03 10 Coverage for Damage to Your Auto (Maximum Limit of Liability) PP 03 08 Coverage for Damage to Your Auto Exclusion Endorsement PP 13 01 Customizing Equipment Coverage PP 03 18 Excess Electronic Equipment Coverage PP 03 13 Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP 03 06 Extended Non-Owned Coverage – Vehicles Furnished or Available for Use as a Public or Livery Conveyance

PP 13 05

Federal Employees using Autos in Government Business PP 03 01 Joint Ownership Coverage PP 03 34 Liability Coverage Exclusion Endorsement PP 03 26 Limited Mexico Coverage PP 03 21 Miscellaneous Type Vehicle Amendment (Motor Homes) PP 03 28 Miscellaneous Type Vehicle Endorsement PP 03 23 Named Non-Owner Coverage PP 03 22 Optional Limits Transportation Expenses Coverage PP 03 02 Reinstatement of Insurance PP 02 02 Single Liability Limit PP 03 09 Single Underinsured Motorists Limit PP 04 02 Single Uninsured Motorists Limit PP 04 01 Snowmobile Endorsement PP 03 20 Suspension of Insurance PP 02 01 Towing and labor Costs Coverage PP 03 03 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07 Trip Interruption Coverage PP 13 02 Trust Endorsement PP 13 03 Underinsured Motorists Coverage PP 03 11

Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 2003.

ND-0001-S (Ed. 047/124) Page 1 of 3

The Norfolk & Dedham Mutual Fire Insurance Company®

MASSACHUSETTS ENDORSEMENT – ND-0001-S

PersonalPak™ Auto

With respect to the additional coverages provided by this endorsement, the terms of the policy apply unless

modified below.

These additional coverages apply only if the Coverage Selection Page indicates that Part 7, Collision and Part

9, Comprehensive coverages apply to your auto.

1. Accidental Discharge of Airbag Coverage

A. Airbag Coverage

We will pay the cost to repair or restore a safety airbag in your auto which has accidentally

discharged. No deductible applies to this Airbag Coverage.

B. Conditions

If you are entitled by other insurance or warranty for the cost to repair or restore the airbag, we will

pay only the cost not covered by the other insurance or warranty.

2. Auto Loan/Lease Coverage

A. Definitions

For the purpose of this coverage the following definition is added to the Definitions of your policy:

“Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to its

pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. Auto Loan/Lease Coverage

The Auto Loan/Lease coverage applies if a covered, total loss occurs to your auto and:

(1) The auto is a private passenger, pick-up or van, as defined in Rule 27, except that antiques, motor

homes/camper bodies are not eligible.

(2) The total loss occurred:

a. Within 36 months of the date you financed/leased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 45,000.

C. What We Pay

In the event of a covered total loss to which this endorsement applies, we will pay any unpaid amount

due on the auto loan or lease up to the limit stated in (4) D below for the auto, less:

(1) Any amount paid for the loss under Part 7, Collision or Part 9, Comprehensive of the policy; and

(2) The amount of the applicable deductible subtracted from the loss paid under Part 7, Collision or

Part 9, Comprehensive of the policy; and

(3) Any:

a. Overdue loan or lease payments at the time of the loss; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high

ND-0001-S (Ed. 047/124) Page 2 of 3

mileage;

ND-0001-S (Ed. 047/124) Page 3 of 3

c. Security deposits not refunded by a lessor;

d. Costs for Extended Warranties, Credit Life insurance, Health, Accident or Disability insurance

purchased with the loan or lease; and

e. Carry-over balances from previous loans or leases.

(4) Condition

If you are entitled to other insurance for this coverage, we will pay only the cost in excess of the other insurance, subject to the limitations listed above.

D. The Most We Will Pay

The most we will pay under this additional coverage part is limited to $5,000 greater than the Actual

Cash Value of the covered auto. 3. Excellent Driver Reward

A. Conditions

This applies if a covered loss occurs to your auto and:

(1) The operator at the time of the loss was licensed at least 6 years and has an Operator SDIP Rating

of 99, 98, or 00; and

(2) Is a listed operator on your policy; and

(3) The Deductible Reduction coverage has not been provided during the current policy term.

B. Deductible Reduction coverage

Under Part 7, Collision or Part 9, Comprehensive, the following is added to the deductible provisions:

In the event of a covered loss the deductible amount shown on the Coverage Selection Page will be

reduced by $250.

4. New Car Protection

A. Definitions

For the purpose of this coverage the following definitions are added to the Definitions of your policy:

(1) “New” does not mean

a. Previously titled under the motor vehicle laws of any state. b. Substitute or non-owned vehicle.

c. Leased vehicle.

d. Motorcycle, motor home/camper body or trailer.

(2) “Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to

its pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. New Car Protection

The New Car Protection amends the amount we pay under Part 7, Collision coverage or Part 9,

Comprehensive coverage if a covered total loss occurs to your auto and:

(1) Your auto is new; and

(2) The total loss occurred:

a. Within 12 months of the date you purchased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 15,000.

ND-0001-S (Ed. 047/124) Page 4 of 3

C. What We Pay

We will pay, less the applicable deductible:

(1) The cost in cash for you to obtain a new auto. The new auto will be the same year, make, model

and optional equipment installed at the date you purchased your auto.

(2) If such an auto is unavailable, we will pay the cost in cash for you to obtain an available auto

which will be similar in class and body type to the year, make, model, and optional equipment

installed at the date you purchased your auto.

D. Condition

The most we will pay under this additional coverage is the lesser of the amount you paid for your

auto plus any rebate and/or trade-in value, or the Manufacturers Suggested Retail Price (MSRP) of

the vehicle of the same year, make, model, and optional equipment installed at the date you purchased

your auto.

5. Pet Injury Coverage

We will pay, regardless of the number of pets involved:

A. Up to $500 for reasonable and customary costs actually incurred by you within 96 hours for

veterinary fees arising out of a collision; and

B. Up to $1,000 of the amount you have actually incurred to replace your pet if it dies in the collision.

Coverage only applies if your pet is inside the covered auto or non-owned auto at the time of the collision.

Pet is defined as a cat or dog. However, this coverage does not apply to the following dog breeds, or any

mixed breed dogs containing any part of a breed, listed below:

(1) Akita (4) German Shepherd (7) Rottweiler

(2) Chow Chow (5) Perro de Presa Canario (8) Shibu Inu

(3) Doberman Pinscher (6) Pit Bull or Pit Bull Type (9) Wolf Hybrid

If you have a claim which provides coverage under both: 2. Auto Loan/Lease Coverage and 4. New Car

Protection, the most we will pay is the greater amount of either: 2. Auto Loan/Lease Coverage or 4. New

Car Protection but in no circumstance will we make payments under both: 2. Auto Loan/Lease Coverage

and 4. New Car Protection.

6. Actual Cash Value

We shall determine the auto’s Actual Cash Value as stated in Massachusetts Mandatory Endorsement –

NDM-0099-S.

iii Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

2014 MEMORANDUM OF CHANGES

1. Rule 36 Accident Forgiveness

1. Private Passenger Endorsement Index

B-1 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PRIVATE PASSENGER ENDORSEMENTS - ALPHABETICAL INDEX

ENDORSEMENTS FORM NO.

Agreed Amount – Comprehensive MPY-0034-S Antique Auto M-0047-S Coverage for Anyone Renting An Auto To You M-0070-S Coverage for Customized Vans and Pickups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion - Motorcycles M-0002-S Massachusetts Mandatory Medical Payments Endorsement M-01099-S Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S Notice to Policyholders ND-0003-PN Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Stated Amount Coverage MPY-0027-S Suspension of Coverage - Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S Use of Other Autos - Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0052—S Waiver of Deductible MPY-0016-S FORMS

Massachusetts Automobile Insurance Policy Application for Massachusetts Motor Vehicle Insurance Coverage Selections Page Massachusetts Renewal Form Annual Mileage Discount Form Application for Benefits – Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer N&D® FORM NO.

B-2 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PersonalPak™ Auto ND-0001-S Accident Forgiveness ND-0003-S Mandatory Endorsement ND-0099-S Personal Vehicle Sharing Exclusion ND-PVSE

PERSONAL AUTO FORMS INDEX

(MASSACHUSETTS)

For Vehicles Not Subject to the Compulsory Law

FORM TITLEPOLICY FORM NUMBER

Personal Auto Policy PP 00 01 Amendment of Policy - Massachusetts MP 00 99

Endorsements Additional Insured – Lessor PP 03 19 Auto Loan/Lease Coverage PP 03 35 Certificate of Insurance - Trusts PP 03 33 Change of Endorsement PP 03 10 Coverage for Damage to Your Auto (Maximum Limit of Liability) PP 03 08 Coverage for Damage to Your Auto Exclusion Endorsement PP 13 01 Customizing Equipment Coverage PP 03 18 Excess Electronic Equipment Coverage PP 03 13 Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP 03 06 Extended Non-Owned Coverage – Vehicles Furnished or Available for Use as a Public or Livery Conveyance

PP 13 05

Federal Employees using Autos in Government Business PP 03 01 Joint Ownership Coverage PP 03 34 Liability Coverage Exclusion Endorsement PP 03 26 Limited Mexico Coverage PP 03 21 Miscellaneous Type Vehicle Amendment (Motor Homes) PP 03 28 Miscellaneous Type Vehicle Endorsement PP 03 23 Named Non-Owner Coverage PP 03 22 Optional Limits Transportation Expenses Coverage PP 03 02 Reinstatement of Insurance PP 02 02 Single Liability Limit PP 03 09 Single Underinsured Motorists Limit PP 04 02 Single Uninsured Motorists Limit PP 04 01 Snowmobile Endorsement PP 03 20 Suspension of Insurance PP 02 01 Towing and labor Costs Coverage PP 03 03 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07 Trip Interruption Coverage PP 13 02 Trust Endorsement PP 13 03 Underinsured Motorists Coverage PP 03 11

Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 2003.

AUTOMOBILE INSURERS BUREAU OF MASSACHUSETTS

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT MND-0099-S (ED. 9-117-

14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

21. Actual Cash

Value

22. Unlicensed

Operators

23. Suspended

Registration

General Provisions and Exclusions (Page 30)

On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a

consideration of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator

is operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

If your auto is not registered or its registration has been suspended, we may refuse to pay

claims or limit our payments arising from accidents that occur while you or anyone who

customarily operates your auto is operating your auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

ND-0099-S 07 14 Page 1 of 1

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS ENDORSEMENT – (ND-PVSE 07 14)

PERSONAL VEHICLE SHARING EXCLUSION ENDORSEMENT With respect to coverage provided by this endorsement, the provisions of the policy apply unless

modified by this endorsement.

On Page 3, Definitions is modified by adding the following:

11. Personal Vehicle Sharing Program – means:

A. A program that allows your auto to be used by a person other than you or a household

member under the terms of a written agreement.

The policy is additionally modified by this endorsement; as follows:

While your auto is:

a. Enrolled in a personal vehicle sharing program; and

b. Being used in connection with such personal vehicle sharing program by anyone other than

you or a household member; We will not pay for any claim for injury or property damage under the following Parts of the

policy:

Part 1. Bodily Injury To Others

Part 2. Personal Injury Protection

Part 3. Bodily Injury Caused By An Uninsured Auto

Part 4. Damage To Someone Else’s Property

Part 5. Optional Bodily Injury To Others

Part 6. Medical Payments

Part 7. Collision

Part 8. Limited Collision

Part 9. Comprehensive

Part 10. Substitute Transportation

Part 11. Towing and Labor

Part 12. Bodily Injury Caused By An Underinsured Auto

However, Part 2. Personal Injury Protection will apply to injuries sustained to any passengers

occupying your Auto or a pedestrian struck by your auto.

ND-PVSE 07 14 Page 1 of 1

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NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT ND-0099-S (ED. 7-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

ND-0099-S 07 14 Page 1 of 2

18. False

Information

21. Actual Cash

Value

General Provisions and Exclusions

On Page 29, provision 18. False Information is deleted in its entirety and replaced with the

following:

If you or someone on your behalf gives us false, deceptive, misleading or incomplete

information in any application or policy change request and if such false, deceptive,

misleading or incomplete information increases our risk of loss, we may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 3 and Part 4 if such payment would benefit the

person who provided the false, deceptive, misleading or incomplete information.

Such information includes the description and the place of garaging of the vehicles to be

insured; it also includes the names of all household members and the names of the

customary operators required to be listed and the answers given for all listed operators.

We may also limit our payment to those amounts that we are required to sell under Part 3

and Part 4 of this policy.

On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a consideration

of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT ND-0099-S (ED. 7-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

ND-0099-S 07 14 Page 2 of 2

22. Unlicensed

Operators

23. Suspended

Registration

On Page 30, the following is added:

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator is

operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

On Page 30, the following is added:If your auto is not registered or its registration has

been suspended, we may refuse to pay claims or limit our payments arising from accidents

that occur while you or anyone who customarily operates your auto is operating your

auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT ND-0099-S (ED. 7-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

ND-0099-S 07 14 Page 1 of 2

18. False

Information

21. Actual Cash

Value

General Provisions and Exclusions

On Page 29, provision 18. False Information is deleted in its entirety and replaced with the

following:

If you or someone on your behalf gives us false, deceptive, misleading or incomplete

information in any application or policy change request and if such false, deceptive,

misleading or incomplete information increases our risk of loss, we may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 3 and Part 4 if such payment would benefit the

person who provided the false, deceptive, misleading or incomplete information.

Such information includes the description and the place of garaging of the vehicles to be

insured; it also includes the names of all household members and the names of the

customary operators required to be listed and the answers given for all listed operators.

We may also limit our payment to those amounts that we are required to sell under Part 3

and Part 4 of this policy.

On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a consideration

of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT ND-0099-S (ED. 7-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

ND-0099-S 07 14 Page 2 of 2

22. Unlicensed

Operators

23. Suspended

Registration

On Page 30, the following is added:

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator is

operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

On Page 30, the following is added:If your auto is not registered or its registration has

been suspended, we may refuse to pay claims or limit our payments arising from accidents

that occur while you or anyone who customarily operates your auto is operating your

auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy.

iii Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

2014 MEMORANDUM OF CHANGES

1. Rule 36 Accident Forgiveness

1. Private Passenger Endorsement Index

B-1 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PRIVATE PASSENGER ENDORSEMENTS - ALPHABETICAL INDEX

ENDORSEMENTS FORM NO.

Agreed Amount – Comprehensive MPY-0034-S Antique Auto M-0047-S Coverage for Anyone Renting An Auto To You M-0070-S Coverage for Customized Vans and Pickups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion - Motorcycles M-0002-S Massachusetts Mandatory Endorsement M-0099-S Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S Notice to Policyholders ND-0003-PN Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Stated Amount Coverage MPY-0027-S Suspension of Coverage - Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S Use of Other Autos - Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0052—S Waiver of Deductible MPY-0016-S FORMS

Massachusetts Automobile Insurance Policy Application for Massachusetts Motor Vehicle Insurance Coverage Selections Page Massachusetts Renewal Form Annual Mileage Discount Form Application for Benefits – Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer N&D® FORM NO.

B-2 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PersonalPak™ Auto ND-0001-S Accident Forgiveness ND-0003-S Massachusetts Mandatory Endorsement N&D®-0099-S Personal Vehicle Sharing Exclusion N&D®-PVSE

PERSONAL AUTO FORMS INDEX

(MASSACHUSETTS)

For Vehicles Not Subject to the Compulsory Law

FORM TITLEPOLICY FORM NUMBER

Personal Auto Policy PP 00 01 Amendment of Policy - Massachusetts MP 00 99

Endorsements Additional Insured – Lessor PP 03 19 Auto Loan/Lease Coverage PP 03 35 Certificate of Insurance - Trusts PP 03 33 Change of Endorsement PP 03 10 Coverage for Damage to Your Auto (Maximum Limit of Liability) PP 03 08 Coverage for Damage to Your Auto Exclusion Endorsement PP 13 01 Customizing Equipment Coverage PP 03 18 Excess Electronic Equipment Coverage PP 03 13 Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP 03 06 Extended Non-Owned Coverage – Vehicles Furnished or Available for Use as a Public or Livery Conveyance

PP 13 05

Federal Employees using Autos in Government Business PP 03 01 Joint Ownership Coverage PP 03 34 Liability Coverage Exclusion Endorsement PP 03 26 Limited Mexico Coverage PP 03 21 Miscellaneous Type Vehicle Amendment (Motor Homes) PP 03 28 Miscellaneous Type Vehicle Endorsement PP 03 23 Named Non-Owner Coverage PP 03 22 Optional Limits Transportation Expenses Coverage PP 03 02 Reinstatement of Insurance PP 02 02 Single Liability Limit PP 03 09 Single Underinsured Motorists Limit PP 04 02 Single Uninsured Motorists Limit PP 04 01 Snowmobile Endorsement PP 03 20 Suspension of Insurance PP 02 01 Towing and labor Costs Coverage PP 03 03 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07 Trip Interruption Coverage PP 13 02 Trust Endorsement PP 13 03 Underinsured Motorists Coverage PP 03 11

Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 2003.

file://NoURLProvided[2/12/2014 1:39:13 PM]

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NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT N&D®-0099-S (ED. 5-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

N&D-0099-S 05 14 Page 1 of 2

18. False

Information

21. Actual Cash

Value

General Provisions and Exclusions

On Page 29, provision 18. False Information is deleted in its entirety and replaced with the

following:

If you or someone on your behalf gives us false, deceptive, misleading or incomplete

information in any application or policy change request and if such false, deceptive,

misleading or incomplete information increases our risk of loss, we may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person who provided the false, deceptive, misleading or incomplete information.

Such information includes the description and the place of garaging of the vehicles to be

insured; it also includes the names of all household members, the names of the customary

operators required to be listed and the answers given for all listed operators. We may also

limit our payment to those amounts that we are required to sell under Part 3 and Part 4 of

this policy.

On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a consideration

of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT N&D®-0099-S (ED. 5-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

N&D-0099-S 05 14 Page 2 of 2

22. Unlicensed

Operators

23. Suspended

Registration

On Page 30, the following is added:

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator is

operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person operating the auto; and/or

3.) Limit our payments to those amounts that we are required to sell under Part 3 of

this policy if such payment would not benefit the person operating the auto; and/or

4.) Limit our payments to those amounts that we are required to sell under Part 4 of

this policy.

On Page 30, the following is added:

If your auto is not registered or its registration has been suspended, we may refuse to pay

claims or limit our payments arising from accidents that occur while you or anyone who

customarily operates your auto is operating your auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person that was operating the auto.

3.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy if such payment would not benefit the person operating the

auto.

4.) Limit our payments to those amounts that we are required to sell under Part 4 of

this policy.

ND-0001-S (Ed. 045/124) Page 1 of 3

The Norfolk & Dedham Mutual Fire Insurance Company®

MASSACHUSETTS ENDORSEMENT – ND-0001-S

PersonalPak™ Auto

With respect to the additional coverages provided by this endorsement, the terms of the policy apply unless

modified below.

These additional coverages apply only if the Coverage Selection Page indicates that Part 7, Collision and Part

9, Comprehensive coverages apply to your auto.

1. Accidental Discharge of Airbag Coverage

A. Airbag Coverage

We will pay the cost to repair or restore a safety airbag in your auto which has accidentally

discharged. No deductible applies to this Airbag Coverage.

B. Conditions

If you are entitled by other insurance or warranty for the cost to repair or restore the airbag, we will

pay only the cost not covered by the other insurance or warranty.

2. Auto Loan/Lease Coverage

A. Definitions

For the purpose of this coverage the following definition is added to the Definitions of your policy:

“Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to its

pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. Auto Loan/Lease Coverage

The Auto Loan/Lease coverage applies if a covered, total loss occurs to your auto and:

(1) The auto is a private passenger, pick-up or van, as defined in Rule 27, except that antiques, motor

homes/camper bodies are not eligible.

(2) The total loss occurred:

a. Within 36 months of the date you financed/leased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 45,000.

C. What We Pay

In the event of a covered total loss to which this endorsement applies, we will pay any unpaid amount

due on the auto loan or lease up to the limit stated in (4) D below for the auto, less:

(1) Any amount paid for the loss under Part 7, Collision or Part 9, Comprehensive of the policy; and

(2) The amount of the applicable deductible subtracted from the loss paid under Part 7, Collision or

Part 9, Comprehensive of the policy; and

(3) Any:

a. Overdue loan or lease payments at the time of the loss; b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high

mileage;

ND-0001-S (Ed. 045/124) Page 2 of 3

c. Security deposits not refunded by a lessor;

d. Costs for Extended Warranties, Credit Life insurance, Health, Accident or Disability insurance

purchased with the loan or lease; and

e. Carry-over balances from previous loans or leases.

(4) Condition

If you are entitled to other insurance for this coverage, we will pay only the cost in excess of the other insurance, subject to the limitations listed above.

D. The Most We Will Pay

The most we will pay under this additional coverage part is limited to $5,000 greater than the Actual

Cash Value of the covered auto. 3. Excellent Driver Reward

A. Conditions

This applies if a covered loss occurs to your auto and:

(1) The operator at the time of the loss was licensed at least 6 years and has an Operator SDIP Rating

of 99, 98, or 00; and

(2) Is a listed operator on your policy; and

(3) The Deductible Reduction coverage has not been provided during the current policy term.

B. Deductible Reduction coverage

Under Part 7, Collision or Part 9, Comprehensive, the following is added to the deductible provisions:

In the event of a covered loss the deductible amount shown on the Coverage Selection Page will be

reduced by $250.

4. New Car Protection

A. Definitions

For the purpose of this coverage the following definitions are added to the Definitions of your policy:

(1) “New” does not mean

a. Previously titled under the motor vehicle laws of any state. b. Substitute or non-owned vehicle.

c. Leased vehicle.

d. Motorcycle, motor home/camper body or trailer.

(2) “Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to

its pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. New Car Protection

The New Car Protection amends the amount we pay under Part 7, Collision coverage or Part 9,

Comprehensive coverage if a covered total loss occurs to your auto and:

(1) Your auto is new; and

(2) The total loss occurred:

a. Within 12 months of the date you purchased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 15,000.

ND-0001-S (Ed. 045/124) Page 3 of 3

C. What We Pay

We will pay, less the applicable deductible:

(1) The cost in cash for you to obtain a new auto. The new auto will be the same year, make, model

and optional equipment installed at the date you purchased your auto.

(2) If such an auto is unavailable, we will pay the cost in cash for you to obtain an available auto

which will be similar in class and body type to the year, make, model, and optional equipment

installed at the date you purchased your auto.

D. Condition

The most we will pay under this additional coverage is the lesser of the amount you paid for your

auto plus any rebate and/or trade-in value, or the Manufacturers Suggested Retail Price (MSRP) of

the vehicle of the same year, make, model, and optional equipment installed at the date you purchased

your auto.

5. Pet Injury Coverage

We will pay, regardless of the number of pets involved:

A. Up to $500 for reasonable and customary costs actually incurred by you within 96 hours for

veterinary fees arising out of a collision; and

B. Up to $1,000 of the amount you have actually incurred to replace your pet if it dies in the collision.

Coverage only applies if your pet is inside the covered auto or non-owned auto at the time of the collision.

Pet is defined as a cat or dog. However, this coverage does not apply to the following dog breeds, or any

mixed breed dogs containing any part of a breed, listed below:

(1) Akita (4) German Shepherd (7) Rottweiler

(2) Chow Chow (5) Perro de Presa Canario (8) Shibu Inu

(3) Doberman Pinscher (6) Pit Bull or Pit Bull Type (9) Wolf Hybrid

If you have a claim which provides coverage under both: 2. Auto Loan/Lease Coverage and 4. New Car

Protection, the most we will pay is the greater amount of either: 2. Auto Loan/Lease Coverage or 4. New

Car Protection but in no circumstance will we make payments under both: 2. Auto Loan/Lease Coverage

and 4. New Car Protection.

6. Actual Cash Value

We shall determine the auto’s Actual Cash Value as stated in Massachusetts Mandatory Endorsement –

N&DM-0099-S.

ND-0001-S (Ed. 05/14) Page 1 of 3

The Norfolk & Dedham Mutual Fire Insurance Company®

MASSACHUSETTS ENDORSEMENT – ND-0001-S PersonalPak™ Auto

With respect to the additional coverages provided by this endorsement, the terms of the policy apply unless

modified below.

These additional coverages apply only if the Coverage Selection Page indicates that Part 7, Collision and Part

9, Comprehensive coverages apply to your auto.

1. Accidental Discharge of Airbag Coverage

A. Airbag Coverage

We will pay the cost to repair or restore a safety airbag in your auto which has accidentally

discharged. No deductible applies to this Airbag Coverage.

B. Conditions

If you are entitled by other insurance or warranty for the cost to repair or restore the airbag, we will

pay only the cost not covered by the other insurance or warranty.

2. Auto Loan/Lease Coverage

A. Definitions

For the purpose of this coverage the following definition is added to the Definitions of your policy:

“Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to its

pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. Auto Loan/Lease Coverage

The Auto Loan/Lease coverage applies if a covered, total loss occurs to your auto and:

(1) The auto is a private passenger, pick-up or van, as defined in Rule 27, except that antiques, motor

homes/camper bodies are not eligible.

(2) The total loss occurred:

a. Within 36 months of the date you financed/leased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 45,000.

C. What We Pay

In the event of a covered total loss to which this endorsement applies, we will pay any unpaid amount

due on the auto loan or lease up to the limit stated in (4) D below for the auto, less:

(1) Any amount paid for the loss under Part 7, Collision or Part 9, Comprehensive of the policy; and

(2) The amount of the applicable deductible subtracted from the loss paid under Part 7, Collision or

Part 9, Comprehensive of the policy; and

(3) Any:

a. Overdue loan or lease payments at the time of the loss;

b. Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high

mileage;

ND-0001-S (Ed. 05/14) Page 2 of 3

c. Security deposits not refunded by a lessor;

d. Costs for Extended Warranties, Credit Life insurance, Health, Accident or Disability insurance

purchased with the loan or lease; and

e. Carry-over balances from previous loans or leases.

(4) Condition

If you are entitled to other insurance for this coverage, we will pay only the cost in excess of the other insurance, subject to the limitations listed above.

D. The Most We Will Pay

The most we will pay under this additional coverage part is limited to $5,000 greater than the Actual

Cash Value of the covered auto. 3. Excellent Driver Reward

A. Conditions

This applies if a covered loss occurs to your auto and:

(1) The operator at the time of the loss was licensed at least 6 years and has an Operator SDIP Rating

of 99, 98, or 00; and

(2) Is a listed operator on your policy; and

(3) The Deductible Reduction coverage has not been provided during the current policy term.

B. Deductible Reduction coverage

Under Part 7, Collision or Part 9, Comprehensive, the following is added to the deductible provisions:

In the event of a covered loss the deductible amount shown on the Coverage Selection Page will be

reduced by $250.

4. New Car Protection

A. Definitions

For the purpose of this coverage the following definitions are added to the Definitions of your policy:

(1) “New” does not mean

a. Previously titled under the motor vehicle laws of any state. b. Substitute or non-owned vehicle.

c. Leased vehicle.

d. Motorcycle, motor home/camper body or trailer.

(2) “Total loss” means a loss in which we have determined the cost to replace or repair the vehicle to

its pre-loss condition plus salvage value equals or exceeds the Actual Cash Value.

B. New Car Protection

The New Car Protection amends the amount we pay under Part 7, Collision coverage or Part 9,

Comprehensive coverage if a covered total loss occurs to your auto and:

(1) Your auto is new; and

(2) The total loss occurred:

a. Within 12 months of the date you purchased your auto; and

b. The miles shown on the odometer at the time the total loss occurred was less than 15,000.

ND-0001-S (Ed. 05/14) Page 3 of 3

C. What We Pay

We will pay, less the applicable deductible:

(1) The cost in cash for you to obtain a new auto. The new auto will be the same year, make, model

and optional equipment installed at the date you purchased your auto.

(2) If such an auto is unavailable, we will pay the cost in cash for you to obtain an available auto

which will be similar in class and body type to the year, make, model, and optional equipment

installed at the date you purchased your auto.

D. Condition

The most we will pay under this additional coverage is the lesser of the amount you paid for your

auto plus any rebate and/or trade-in value, or the Manufacturers Suggested Retail Price (MSRP) of

the vehicle of the same year, make, model, and optional equipment installed at the date you purchased

your auto.

5. Pet Injury Coverage

We will pay, regardless of the number of pets involved:

A. Up to $500 for reasonable and customary costs actually incurred by you within 96 hours for

veterinary fees arising out of a collision; and

B. Up to $1,000 of the amount you have actually incurred to replace your pet if it dies in the collision.

Coverage only applies if your pet is inside the covered auto or non-owned auto at the time of the collision.

Pet is defined as a cat or dog. However, this coverage does not apply to the following dog breeds, or any

mixed breed dogs containing any part of a breed, listed below:

(1) Akita (4) German Shepherd (7) Rottweiler

(2) Chow Chow (5) Perro de Presa Canario (8) Shibu Inu

(3) Doberman Pinscher (6) Pit Bull or Pit Bull Type (9) Wolf Hybrid

If you have a claim which provides coverage under both: 2. Auto Loan/Lease Coverage and 4. New Car

Protection, the most we will pay is the greater amount of either: 2. Auto Loan/Lease Coverage or 4. New

Car Protection but in no circumstance will we make payments under both: 2. Auto Loan/Lease Coverage

and 4. New Car Protection.

6. Actual Cash Value

We shall determine the auto’s Actual Cash Value as stated in Mandatory Endorsement – N&D-0099-S.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS ENDORSEMENT – N&D®-PVSE 05 14

PERSONAL VEHICLE SHARING EXCLUSION ENDORSEMENT With respect to coverage provided by this endorsement, the provisions of the policy apply unless

modified by this endorsement.

On Page 3, Definitions is modified by adding the following:

11. Personal Vehicle Sharing Program – means:

A. A program that allows your auto to be used by a person other than you or a household

member under the terms of a written agreement.

The policy is additionally modified by this endorsement; as follows:

While your auto is:

a. Enrolled in a personal vehicle sharing program; and

b. Being used in connection with such personal vehicle sharing program by anyone other than

you or a household member; We will not pay for any claim for injury or property damage under the following Parts of the

policy:

Part 1. Bodily Injury To Others

Part 2. Personal Injury Protection

Part 3. Bodily Injury Caused By An Uninsured Auto

Part 4. Damage To Someone Else’s Property

Part 5. Optional Bodily Injury To Others

Part 6. Medical Payments

Part 7. Collision

Part 8. Limited Collision

Part 9. Comprehensive

Part 10. Substitute Transportation

Part 11. Towing and Labor

Part 12. Bodily Injury Caused By An Underinsured Auto

However, Part 2. Personal Injury Protection will apply to injuries sustained to any passengers

occupying your Auto or a pedestrian struck by your auto.

N&D-PVSE 05 14 Page 1 of 1

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT N&D®-0099-S (ED. 5-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

N&D-0099-S 05 14 Page 1 of 2

18. False

Information

21. Actual Cash

Value

General Provisions and Exclusions

On Page 29, provision 18. False Information is deleted in its entirety and replaced with the

following:

If you or someone on your behalf gives us false, deceptive, misleading or incomplete

information in any application or policy change request and if such false, deceptive,

misleading or incomplete information increases our risk of loss, we may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person who provided the false, deceptive, misleading or incomplete information.

Such information includes the description and the place of garaging of the vehicles to be

insured; it also includes the names of all household members, the names of the customary

operators required to be listed and the answers given for all listed operators. We may also

limit our payment to those amounts that we are required to sell under Part 3 and Part 4 of

this policy.

On Page 30, the following is added:

Whenever the appraised cost of repair of an auto plus the probable salvage value of the

auto may be reasonably expected to exceed the actual cash value of the auto, we shall

determine the auto’s actual cash value. Our determination shall be based on a consideration

of all of the following factors:

1.) the retail book value for an auto of like kind and quality, but for the damage

incurred;

2.) the price paid for the auto plus the value of prior improvements to the auto at the

time of the accident, less appropriate depreciation;

3.) the decrease in value of the auto resulting from prior unrelated damage which is

detected by the appraiser; and

4.) the actual cost of purchase of an available auto of like kind and quality but for the

damage sustained.

NORFOLK & DEDHAM MUTUAL FIRE INSURANCE COMPANY

MASSACHUSETTS AUTOMOBILE INSURANCE POLICY

MANDATORY ENDORSEMENT N&D®-0099-S (ED. 5-14)

This endorsement includes changes that affect your auto insurance. Please read this endorsement carefully to

see how it affects your policy.

N&D-0099-S 05 14 Page 2 of 2

22. Unlicensed

Operators

23. Suspended

Registration

On Page 30, the following is added:

If the driver license for you or anyone who customarily operates your auto has been

suspended or revoked or the driver’s license is not valid, we may refuse to pay claims or

limit our payments arising from accidents that occur while you or the customary operator is

operating any auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person operating the auto; and/or

3.) Limit our payments to those amounts that we are required to sell under Part 3 of

this policy if such payment would not benefit the person operating the auto; and/or

4.) Limit our payments to those amounts that we are required to sell under Part 4 of

this policy.

On Page 30, the following is added:

If your auto is not registered or its registration has been suspended, we may refuse to pay

claims or limit our payments arising from accidents that occur while you or anyone who

customarily operates your auto is operating your auto. We may:

1.) Refuse to pay claims under any or all of the Optional Insurance Parts of this policy;

and/or

2.) Refuse to pay claims under Part 2 and Part 3 if such payment would benefit the

person that was operating the auto.

3.) Limit our payments to those amounts that we are required to sell under Part 3 and

Part 4 of this policy if such payment would not benefit the person operating the

auto.

4.) Limit our payments to those amounts that we are required to sell under Part 4 of

this policy.

iii Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

2014 MEMORANDUM OF CHANGES

1. Private Passenger Endorsement Index

B-1 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PRIVATE PASSENGER ENDORSEMENTS - ALPHABETICAL INDEX

ENDORSEMENTS FORM NO.

Agreed Amount – Comprehensive MPY-0034-S Antique Auto M-0047-S Coverage for Anyone Renting An Auto To You M-0070-S Coverage for Customized Vans and Pickups MPY-0037-S Excess Electronic Equipment Coverage MPY-0041-S $100 Glass Deductible MPY-0039-S Guest Occupants Exclusion - Motorcycles M-0002-S Non-Renewal of Policy – Motorcycles, Recreational Vehicles and Trailers M-0103-S Notice to Policyholders ND-0003-PN Operator Exclusion Form M-0106-S Original Equipment Manufacturer Parts Coverage MPY-0040-S Stated Amount Coverage MPY-0027-S Suspension of Coverage - Reduction of Limits MPY-0032-S Transportation of Fellow Employees, Students or Others M-0004-S Use of Other Autos - Vehicles Furnished or Available for Regular Use M-0051-S Use of Other Autos - Vehicles Furnished or Available for Use As Public or Livery Conveyances M-0052—S Waiver of Deductible MPY-0016-S FORMS

Massachusetts Automobile Insurance Policy Application for Massachusetts Motor Vehicle Insurance Coverage Selections Page Massachusetts Renewal Form Annual Mileage Discount Form Application for Benefits – Personal Injury Protection Massachusetts Motor Vehicle Liability Bond Notice of Cancellation of the Massachusetts Motor Vehicle Liability Policy Notice of Non-Renewal of Your Massachusetts Automobile Insurance Policy Notice of Transfer of Insurer N&D® FORM NO.

PersonalPak™ Auto ND-0001-S Accident Forgiveness ND-0003-S Massachusetts Mandatory Endorsement N&D®-0099-S Personal Vehicle Sharing Exclusion N&D®-PVSE

B-2 Includes Copyrighted Material of Automobile Insurers Bureau, with its Permission, 2014

PERSONAL AUTO FORMS INDEX

(MASSACHUSETTS)

For Vehicles Not Subject to the Compulsory Law

FORM TITLEPOLICY FORM NUMBER

Personal Auto Policy PP 00 01 Amendment of Policy - Massachusetts MP 00 99

Endorsements Additional Insured – Lessor PP 03 19 Auto Loan/Lease Coverage PP 03 35 Certificate of Insurance - Trusts PP 03 33 Change of Endorsement PP 03 10 Coverage for Damage to Your Auto (Maximum Limit of Liability) PP 03 08 Coverage for Damage to Your Auto Exclusion Endorsement PP 13 01 Customizing Equipment Coverage PP 03 18 Excess Electronic Equipment Coverage PP 03 13 Extended Non-Owned Coverage for Vehicles Furnished or Available for Regular Use PP 03 06 Extended Non-Owned Coverage – Vehicles Furnished or Available for Use as a Public or Livery Conveyance

PP 13 05

Federal Employees using Autos in Government Business PP 03 01 Joint Ownership Coverage PP 03 34 Liability Coverage Exclusion Endorsement PP 03 26 Limited Mexico Coverage PP 03 21 Miscellaneous Type Vehicle Amendment (Motor Homes) PP 03 28 Miscellaneous Type Vehicle Endorsement PP 03 23 Named Non-Owner Coverage PP 03 22 Optional Limits Transportation Expenses Coverage PP 03 02 Reinstatement of Insurance PP 02 02 Single Liability Limit PP 03 09 Single Underinsured Motorists Limit PP 04 02 Single Uninsured Motorists Limit PP 04 01 Snowmobile Endorsement PP 03 20 Suspension of Insurance PP 02 01 Towing and labor Costs Coverage PP 03 03 Trailer/Camper Body Coverage (Maximum Limit of Liability) PP 03 07 Trip Interruption Coverage PP 13 02 Trust Endorsement PP 13 03 Underinsured Motorists Coverage PP 03 11

Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 2003.