CONTEST RULES

The Co-operators [2025 Group Home and Auto Contest] (the “Contest”) begins April 1, 2025 at 12:01 a.m. E.T. and ends on December 31, 2025 at 11:59 p.m. E.T. (the “Contest Period”). The deadline for receiving Contest entries is December 31, 2025 at 11:59 p.m. E.T (the “Entry Deadline”). The Contest is sponsored by Co-operators General Insurance Company (the “Contest Sponsor”). No purchase is necessary to enter. Entry in the Contest constitutes acceptance of the terms, conditions and provisions set out below.

1. ELIGIBILITY

1.1 The Contest is open only to individuals who meet the eligibility criteria below (“Eligible Participants”):

• (a) Subject to the exclusions below in paragraph (b), the Contest is open to all individuals who are members and/or employees of the following Participating Groups:

• (i) CISSS des Laurentides
• (ii) Club de récréation d’Hydro Québec – Montréal
• (iii) CISSS de Laval
• (iv) Olymel
• (v) CISSS de l’Outaouais
• (vi) CISSS de Chaudière-Appalaches
• (vii) Fédération des coopératives de Paramédics du Québec
• (viii) Réseau des EÉSAD
• (ix) CHU de Québec – Université Laval
• (x) Sollio
• (xi) Groupe Deschênes
• (xii) Légion royale canadienne, Division provinciale du Québec
• (xiii) Le Groupe Maurice
• (xiv) La Confédération québécoise des coopératives d'habitation
• (xv) CIUSSS de l’Est-de-l’Île-de-Montréal


• (b) The following are excluded from being an Eligible Participant: (a) employees, representatives and mandataries (and persons with whom they are domiciled) of the Contest Sponsor, their advertising and promotional agencies and any independent contest judging organization

2. HOW TO ENTER

Eligible Participants will earn one (1) entry into the Contest by calling: 1-800-387-1963 and speaking to a licensed insurance representative or by visiting https://quoting.cooperatorsgroupinsurance.ca/quote and obtaining a free, no-obligation auto or home insurance quote.

If you are a resident of British Columbia, Manitoba or Saskatchewan, an auto insurance quote is not available so you must obtain a home insurance quote to earn an entry into the Contest.

All entries must be received by 11:59:59 p.m. EST on December 31, 2025 (the “Contest Closing Date”). All entries received by the Contest Closing Date will be eligible and included in the corresponding Prize draw based on the date of receipt. Sponsor will not be responsible for late, lost, stolen or destroyed entries.

Limit of one (1) entry per Eligible Participant per draw, regardless of method of entry. In the event it is discovered that an entrant attempted to enter more than once, all of that entrant's entries will be void.

3.PRIZES

3.1 The prizes to be awarded:

• Fifteen (15) prizes will be awarded during the Contest Period, for a total of seven thousand five hundred dollars ($7,500) in prizes during the Contest Period.


• At the time of winning, selected entrants will be given the choice between one (1) a Rona gift card ($500 CAD value) or one (1) La Forfaiterie gift card ($500 CAD value).

3.2 The odds of winning prizes:

• The odds of winning will depend on the number of qualifying entries received during the Contest Period. The total number of prizes available to be won, and the odds of winning any particular prize, will diminish as prizes are claimed.

3.3 Draws will take place:

• On July 11, 2025 (Prize 1 draw), October 17, 2025 (Prize 2 draw), and January 16, 2026 (Prize 3 draw), at 10:00 AM EST, in Laval, Quebec five (5) winners will be randomly selected from all eligible entries received during each Prize draw time period.


• The cut off of periods (“Time Periods”) for eligible entries for each Prize draw are as follows:
  
  
  • (a) April 1, 2025 at 12:00:01 a.m. EST to July 10, 2025 at 11:59:59 p.m. EST (the “Prize 1 draw Time Period”)
  
  
  • (b) July 11, 2025 at 12:00:01 a.m. EST to October 16, 2025 at 11:59:59 p.m. EST (the “Prize 2 draw Time Period”)
  
  
  • (c) October 17, 2025 at 12:00:01 a.m. EST to December 31, 2025 at 11:59:59 p.m. EST (the “Prize 3 draw Time Period”)



Odds of an entry being selected depend on the number of eligible entries. The selected entrants will be notified by e-mail and telephone and thee (3) attempts will be made to contact the selected entrants over five (5) business days. If a selected entrant cannot be contacted in the manner described above, or if a selected entrant is not eligible or otherwise does not comply with the Contest Rules, their entry will be declared void and a further entry will be randomly selected. A person may not be declared a winner more than once, regardless of the number of draws.

The prize will be sent by Purolator to the selected entrant’s address within 90 days after contact has been established as described above and all other conditions under the Contest Rules have been fulfilled.

3.4 To claim any prize, a selected entrant will be required:

• (a) to sign and return the Contest Sponsor’s release of liability releasing the Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, from any liability in connection with the Contest or the acceptance, possession or use of the prize;

• (b) to sign and return an affidavit/certificate of eligibility to the effect that he/she is an eligible entrant and have complied in all respects with the Contest Rules; and

• (c) to correctly answer, without assistance of any kind, whether mechanical or otherwise, a time-limited mathematical skill-testing question.

3.5 If a selected entrant is ineligible, or fails to comply with the provisions described above within the proscribed time limit, the prize will be forfeited and an alternate selected entrant may be selected.

3.6 All prizes must be accepted as awarded. Prizes are not transferable or convertible into cash. No transfer, substitution or conversion of prizes will be allowed, except by the Contest Sponsor as described below.

3.7 Except as expressly represented or warranted herein, all prizes are provided to winners “as is” without any additional or further representation or warranty of any kind.

3.8 No interest will be paid on any cash prizes.

3.9 All taxes, fees, and surcharges on prizes are the sole responsibility of the prize winner.

3.10 The Contest Sponsor reserves the right to substitute any and all prizes for prizes of equal retail value in the event that the intended prizes become unavailable for any reason beyond the reasonable control of the Contest Sponsor.

4. GENERAL PROVISIONS

4.1 By submitting an entry or claiming a prize, the participant agrees to be bound by all of the terms, conditions and provisions set out in these Contest Rules.

4.2 The Contest is subject to all applicable federal, provincial and municipal laws and regulations.

4.3 All decisions of the Contest Sponsor, and any judge or judges appointed by the Contest Sponsor, with respect to any aspect of the Contest shall be final and without appeal.

4.4 The Contest Sponsor accepts no liability whatsoever arising in respect of any individual’s participation in the Contest by any individual or the awarding or use of any prize.

4.5 A maximum of one prize will be awarded for each Contest entry. A maximum of one prize will be awarded to an individual.

4.6 A list of official Contest winners may be obtained by sending a self-addressed stamped envelope, during the one-year period commencing one month following the completion of the Contest Period to Co-operators [2025 Group Home and Auto Contest], 5600 Cancross Court, Mississauga, Ontario, L5R3E9.

4.7 All entries and prize claims become the sole and exclusive property of the Contest Sponsor and will not be returned.

4.8 Entry forms and prize claims are subject to verification and any entry form or prize claim that is received by the Contest Sponsor and is defaced, mutilated, illegible, forged, tampered with or altered in any way, contains printing errors, or has not been obtained through legitimate channels is automatically void

4.9 Persons found to be tampering with or abusing any aspect of the Contest, as determined in the sole discretion of the Contest Sponsor, will be disqualified.

4.10 In the event that circumstances beyond the reasonable control of the Contest Sponsor result in the determination by the Contest Sponsor, in its sole discretion, that the fairness or integrity of the Contest has been materially compromised, the Contest Sponsor reserves the right to suspend, delay or terminate the Contest.

5. PRIVACY

5.1 By entering into the Contest, you consent to the collection, use and sharing of information about you:

• (a) between the Contest Sponsor and its agents and representatives for the sole purpose of administering the Contest;


• (b) to initiate, maintain and develop a relationship with you in connection with the offering of goods or services of the Contest Sponsor;


• (c) to make available to you from time-to-time information, promotional material and other material which may be of interest to you;

5.2 By entering into the Contest, you consent to the use and disclosure of your name and photograph, without compensation, by the Contest Sponsor for the purposes of the disclosure of the identity of prize winners and for the general promotional purposes of the Contest Sponsor in connection with the Contest

5.3 For more information regarding the privacy policy of the Contest Sponsor, please review our privacy policy available at www.cooperators.ca/en/PublicPages/Privacy.aspx or send a stamped self-addressed envelope with a request for a copy of the Contest Sponsor’s privacy policy to Co-operators Privacy Office, 101 Cooper Drive, Guelph, ON, N1C 0A4.

6. LIMITATIONS ON LIABILITY

6.1 The Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, shall not, in any circumstances whatsoever, be liable for:

• (a) any cost, liability, expense, injury, damage or claim of any kind, arising in connection with or related to the Contest or resulting from acceptance, possession or use of any prize including, without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy; or


• (b) any incidental, consequential, special or indirect damages, even if they have been advised of the possibility of such damages.

6.2 The Contest Sponsor will not be liable for late, lost, invalid, ineligible, illegible, incomplete, stolen, misdirected or postage due entries or prize claims.

6.3 The Contest Sponsor, assumes no responsibility for any problems or technical malfunction of any telephone network, telephone lines, computer online systems, servers, access providers, computer equipment, software, or the failure of any entry or prize claim to be received by the Contest Sponsor on account of technical problems or traffic congestion on the internet or at any website, or any combination thereof.

7. RELEASE

7.1 By entering into the Contest, each participant releases and holds harmless the Contest Sponsor, its affiliates and subsidiaries, advertising and promotional agencies, any judge or judges appointed by the Contest Sponsor, and in each case their respective directors, officers, owners, employees, agents, representatives, successors and assigns, from any and all liability in connection with or related to the Contest or resulting from acceptance, possession or use of any prize including, without limitation, personal injury, death, and property damage, and claims based on publicity rights, defamation, or invasion of privacy.