Conditions of use and legal notice

Last update: June 10, 2018

All products and services of The Personal Insurance Company (hereinafter “The Personal”) are subject to the terms of the applicable agreements governing their use.

Conditions of Use

By using this site, you acknowledge that you have read, understood and accepted the following conditions of use, as well as our Privacy Code. If you do not accept one or more of these conditions, do not continue to use or access this website. You also acknowledge and agree that any claim relative to this site and its contents, or arising from its use, is subject to the applicable law and that the competent courts constitute the only authority for settling any litigation that could arise from the use of this site.

The information on this site, including the present Conditions of use, may be modified without notice. By using this site, you recognize that it is your responsibility to check for updates to this information.

Protection of personal information

At The Personal, an important part of our commitment to provide you with service excellence is our respect for your privacy.

In order for us to provide you with general insurance products and services, we will be collecting personal information from you and from other external sources, including other property and casualty insurers, public and private sector underwriting or claims information databases, and credit reporting agencies. By proceeding with an online quote, you give us consent to collect, use and disclose this personal information as reasonably required for that purpose.

To get access to your personal information or to obtain a copy of our Privacy Code, contact us.

Online services

You can access secured transactions related to the insurance policies you bought from The Personal through our Online Services. These services allow you to consult, download and print your home and auto insurance documents, make certain changes to your policies, such as the replacement of your vehicle or adding a driver or another vehicle, and also submit a claim. If you’re already insured at The Personal, you can view your insurance documents in the Online Services.

Any insurance transactions you carry out in our Online Services environment are protected; however, while we use the best security measures available, there is always a risk that your information may be disclosed through no fault on our part.

Any operation pertaining to general insurance carried out with the Online Services offered is recognized as being performed by the actual policyholder; it is therefore up to you to make sure that you are the only person who knows your user ID and password.

When performing an operation related to your general insurance, you are responsible for carefully reading the terms and conditions relative to the processing of your application (conditions, delays, etc.).

If you believe that an error has occurred in the information concerning your general insurance policies, please contact us.

Getting a quote and buying an insurance policy online

On this site, you can get a quote for home and auto insurance, or buy an insurance policy.

To ensure that you receive and benefit from the coverage you have selected, it’s important that you disclosedeclare all known circumstances and information that may influence our decision to provide you with insurance, our assessment of the risk, and the calculation of your premium.

If you purchase your insurance policy online, you must also provide information for pre-authorized or credit card payments. It’s important to read the conditions for your chosen payment method and give your consent, if required. You have to make sure the information you provide is accurate and up to date. We reserve the right to not proceed with an online quote or insurance policy purchase at our sole discretion, if the information provided is not accurate or up to date.

Online quotes must be completed individually and are based on the information you provide and a set of standardized assumptions. If we provide you with an online quote, this does not signify that we agree to insure you and it is not a guarantee of insurability. Online quotes are provided on the condition that you meet our underwriting critera. Quotes are valid for 55 days, as long as the information provided for the quote remains unchanged until the day the insurance policy is issued.

The premium calculated as part of your online quote is an estimate. It is not guaranteed and may change based on additional information you may provide us and coverages you may choose. If you have any additional questions or would like to finalize your insurance purchase by telephone, if applicable, you can contact one of our insurance agents.

Purchasing an insurance policy online is subject to certain underwriting conditions. You may need to contact one of our insurance agents for additional information before finalizing the purchase.

When available, if you purchase your insurance online, your insurance policy will be based exclusively on the information you provided us. Online quotes, confirmations of insurance and information displayed online do not constitute an insurance policy, nor are they proof of an insurance policy. Your policy will be mailed to you or sent to you electronically, based on your preference.

You may be required to contact one of our insurance agents to answer additional questions and to conclude the purchase of your insurance policy. In exceptional circumstances, one of our insurance agents may also contact you to get more information after you have purchased your insurance policy.

The coverages and exclusions described on our website, including in all insurance quotes and purchase confirmations, are not exhaustive and are for illustrative purposes only. Complete coverage and exclusion details are outlined in your insurance policy, which always prevails. Conditions, exclusions and limitations may apply.

By clicking the navigation button at the bottom of the transaction and operation pages on our website, you confirm that you have carefully read and understand the terms and conditions related to obtaining quotes and purchasing and modifying your insurance policy online. You also recognize that this action constitutes your electronic signature and proof of your agreement to be bound by these terms and conditions.

We do not claim or guarantee that the options you select on our website are suited to your insurance needs. We invite you to communicate with one of our insurance agents for personalized advice or if you have questions about your online quote or to purchase your insurance.

Transmitting Material and Information to Us

The Personal is not responsible for any damages resulting from the interception, loss of, or modification of any email you have sent.

We would like to remind you that information sent by email is not secure. We recommend that you take care to not include confidential information, such as your policy number, personal information, etc., when sending email.

Email address

We are committed to maintaining the confidentiality of your email address and not using it inappropriately. Email addresses collected are used for the purpose of sending information about our products and services, or to communicate with our clients about their insurance (such as insurance operations and transactions completed on our website), or to make them any offers they may be interested in. They may be shared in an encrypted fashion with third party ad servers in order to allow for the identification of similar or customized audiences and for the purpose of providing you with advertisements that are suitable for you according to your interests and profile. This sharing in an encrypted fashion does not allow the third party ad servers to identify the email addresses. External service providers include advertising networks, publishers and social media platforms. You may disable customized advertising functions by adjusting your settings on the websites of the third party ad servers.

You have the right to be removed from our mailing list at any time by contacting us or by using the unsubscription hyperlink at the bottom of our electronic communications.

Site Content

This site is intended to inform our clients and the public concerning our products and services, and to offer them a secure platform to purchase insurance products and services and complete transactions related to their insurance policies using our Online Services environment. The information it contains is subject to the conditions of the relevant contracts. Please refer to your insurance policies to learn about the exact extent of your coverage, limits, deductibles, conditions, and limitations that specifically apply to you. In case of discrepancy between the information on this site and your insurance contract, the insurance contract will prevail.

The information on this site regarding products and services offered is intended for use in Canada only, where these products and services can legally be offered, and is not intended for use or sale where prohibited by law.

Certain products and services described on this site may not be offered in your province or territory of residence, and are therefore not available for purchase on our online platform.

We go to great lengths to keep the information on this site updated; however, we cannot guarantee its completeness, accuracy, or correctness at all times. When in doubt or to advise us of an inaccuracy, you should contact us.

Third party sites and tools

This site may direct you to certain tools developed by third party suppliers, particularly for geolocation. These tools may collect your data if you use them and accept that the use of these tools is subject to the third party suppliers’ conditions of use.

This site provides links to other sites for informational purposes only. It does not constitute an endorsement on our part nor do we sanction the information they contain. When you access one of these sites, you do it at your own risks and we expressly exclude any liability for it.

Disclaimer and limitations of liability

The Personal and its directors, employees and representatives are not responsible for losses and damage caused directly or indirectly to you as a result of the use of this site, its tools or its content, in particular of any action taken based on the information provided, sent or exchangedon this site or via email. We exclude any liability that may result from the sending or the exchange of personal information or confidential information to us through this site or by email.

Although the information on this site is considered accurate when it is posted, we do not guarantee that the information is complete and up to date at all times. We cannot be held liable for the contents of this site or for the accuracy of the information presented on this site. We reserve the right to change it at any time, without notice.

Finally, we do not guarantee that the site and its tools will be available or functional at all time. We do not guarantee that the information provided on this site will meet any specific need, that the elements that can be used after copying or downloading will be error-free, will not cause technical or other problems, nor will these errors or problems be corrected, that this site or any other Web site to which it is linked does not have computer viruses, Trojan horses, or any other potential hazardous element.

Copyrights and trademarks

The information available on this site is protected by Canadian copyright laws. It is prohibited to copy, reproduce, publish, or distribute, in part or in whole, the content of this site, except for non-commercial or personal use. In such a case, you must mention its source and ensure that the elements that have been reproduced were not altered in any way.

The Personal is the owner of trademarks relative to certain products and services mentioned in this site, whether in the form of names, images, logos, or icons. These trademarks are protected by Canadian laws.

Our written authorization must be obtained prior to any other use of the material contained on this site. To do so, please contact us.

Any unauthorized use of the content of this site or of the trademarks may constitute a violation of applicable copyright or trademark laws, and any person who commits such a violation may be prosecuted.

The information on this site, including these Conditions of use, may be modified without notice. By using this site, you recognize that you are responsible for making sure that the information is up to date.