However, there are some other federal and provincial laws that allow for exceptions. The biggest exception is Bill S-4, or the Personal Information Protection and Electronic Documents Act. One of the implications for insurance companies is that it they can share personal information without consent if it reasonably allows them to discover and prevent fraud.
Would you like to see your good driving rewarded? You can earn up to 25%* off your insurance when you enroll in our en-route Auto Program. It's very simple: we send you a free wireless device† that is easily installed in your vehicle. Once in place, it will track your driving, and you will be rewarded for travelling less, avoiding late-night journeys and braking/accelerating safely. The program is free and cannot result in premium increases because we only use the data to determine your discount. Sign up now for an immediate 5% discount on your insurance!
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
Our guarantee is that within 30 minutes of answering your call, a claims representative will start the claims process, and will have the ability to take charge of the situation and arrange emergency support if required (the "Guarantee"). This applies only in respect of new loss or damage not previously reported to us in respect of a valid belairdirect personal auto or home policy (the "Policy"). The support offered by our claims representatives depends on your insurance coverage and when we receive your call. To activate the Guarantee, the policyholder must call and speak to a claims representative. No other form of communication is permitted to activate the Guarantee. The Guarantee is not valid if our operations are impacted by a system failure or catastrophic situation occurring in Canada at the time of your call, such as: earthquake, blackout, hailstorm, forest fire, flood, act of terrorism, war or other major natural disaster, or political unrest. If we are not able to live up to the Guarantee we will write you a cheque in the amount of the annual premium of your home or auto insurance Policy relating to the claim to a maximum of $1,000. Your coverage will not be affected as a direct result of this payment. Terms and conditions of this Guarantee may change without notice.
Getting married? Moving? Adding a teen driver to your policy? Make sure your insurer still offers you the best deal: As your life changes, so will your auto insurance rates which means your current insurer may no longer be the one who offers you the most affordable coverage. At minimum, you should be putting your insurer’s auto insurance premiums to the test every year by shopping around.
Keep in mind that the minimum car insurance coverage required is determined by the Government of Ontario and may vary in comparison to Alberta, New Brunswick, Newfoundland/Labrador, Nova Scotia, Prince Edward Island, and Quebec. In addition, premiums can vary depending on the area in which you reside, typically being higher in major urban centres, such as Toronto.