belairdirect - Code of Consumers Rights & Responsibilities
This webpage is based on the Insurance Bureau of Canada’s Code of Consumer Rights and Responsibilities.
belairdirect'sbelairdirect Agency Inc.’s agents who sell car and home insurance are committed to safeguarding your rights when you shop for insurance and when you submit a claim following a loss.
This includes the right to be informed fully, to be treated fairly, to timely complaint resolution, and to privacy. These rights are grounded in the contract between you and your insurer and the insurance laws of your province. With rights, however, come responsibilities including, for example, the expectation that you will provide complete and accurate information to belairdirect. Your policy outlines other important responsibilities. belairdirect, its direct distribution networkBelair Insurance Company Inc., belairdirect Agency Inc.Trafalgar Insurance Company of Canada, belairdirect Agency Inc. and governments also have important roles to play in ensuring that your rights are protected.
Right to be informed
You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how insurers calculate price based on relevant facts. Under normal circumstances, we will advise you of changes to, or the cancellation of a policy, at least thirty days prior to the expiration of your policy. We encourage you to provide us with the information required for determining renewal terms of the policy at least forty-five days prior to the expiration of the policy.
You have the right to ask who is providing compensation to your agent for the sale of your insurance. If you are a first-time customer, your agent will provide written information detailing for you how he or she is paid, by whom, how much, and in what ways. Compensation arrangement information is also available here on our website.
Responsibility to ask questions and share information
To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so you understand what it covers and what your obligations are under it. You can access information through brochures and websites, as well as through phone conversations with one of our certifiedlicensed insurance agents. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform us of any change in your circumstances. We encourage you to provide us with the information required to determine renewal terms of your policy at least forty-five days prior to the expiration of your policy.
Right to complaint resolution
belairdirect and its agents Belair Insurance Company Inc. and belairdirect Agency IncTrafalgar Insurance Company of Canada and belairdirect Agency Inc. are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access our company's complaint resolution process. Our agent can provide you with information about how you can ensure your complaint is heard and promptly handled. Consumers may also contact the independent General Insurance OmbudService (www.giocanada.org).
Responsibility to resolve disputes
You should always enter into the dispute resolution process in good faith, provide required information in a timely manner, and remain open to recommendations made by independent observers as part of that process.
Right to professional service
You have the right to deal with insurance professionals who exhibit a high ethical standard, which includes acting with honesty, integrity, fairness and skill. AgentsBroker and agents must exhibit extensive knowledge of the product, its coverages and its limitations in order to best serve you
Right to privacy
Because it is important for you to disclose any and all information required by belairdirectBelair Insurance Company Inc.Trafalgar Insurance Company of Canada to provide the insurance coverage that best suits you, you have the right to know that your information will be used for the purpose set out in the privacy statement made available to you by your agent. This information will not be disclosed to anyone except as permitted by law. You should know that belairdirectBelair Insurance Company Inc.Trafalgar Insurance Company of Canada is also subject to Canada's federal or provincial privacy laws.