The Dominion, along with your broker who sells home, auto and business insurance, is committed to safeguarding your rights when you shop for insurance and when you submit a claim following a loss. Your rights include 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 The Dominion, the laws of Canada and the insurance laws of your province or territory. With rights, however, come responsibilities including, for example, the expectation that you will provide complete and accurate information to The Dominion. Your policy outlines other important responsibilities. Insurers and their distribution networks, and governments have important roles to play in ensuring that your rights are protected. For further information, please visit The Dominion's website at thedominion.ca.
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 that you understand what it covers and what your obligations are under it. 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 The Dominion or your broker of any material change in your circumstances.
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 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, The Dominion will advise you, or your broker, of changes to your policy at least 30 days prior to the expiration of your policy, if you provide information required for determining renewal terms of the policy at least 45 days prior to the expiration of the policy. Insurance companies must give notice of cancellation of a policy as required in the policy conditions. You have the right to cancel your policy at any time. You have the right to ask who is providing compensation to your broker for the sale of your insurance. The Dominion discloses compensation arrangements with brokers on our website. Your broker is committed to providing information relating to ownership, compensation, financing, and other relevant facts.
Right to complaint resolution
The Dominion and your broker 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 The Dominion’s complaint resolution process, which is available on our website or upon request. Consumers may also contact the independent General Insurance Ombudservice. You may also contact The Dominion's Ombudsman to provide feedback regarding the way The Dominion provides services to people with disabilities.
Right to access for people with disabilities
The Dominion is committed to excellence in serving all individuals, including those with disabilities. It is The Dominion's policy to allow people with disabilities to use personal assistive devices or service animals, unless prohibited by law. If you are a person with a disibility and require assistance in accessing claims service, please tell us how we may assist you.
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. Brokers must exhibit extensive knowledge of the product, its coverages and its limitations in order to best serve you. These standards are outlined in A Consumer’s Guide to Property and Casualty Insurance Transactions, supported by members of the Insurance Brokers Association of Canada.
Right to privacy
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*This Code is voluntarily adopted by The Dominion and is based on the Code developed by the Insurance Bureau of Canada.