Code of consumer rights and responsibilities
As an insurance company, we at ING Insurance, along with the brokers who sell home, auto and business insurance, are committed to safeguarding your rights when you shop for insurance and when you submit a claim following a loss.
You have the right:
These rights are grounded in the contract between you, our client, and our company 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 your insurer. Your policy outlines other important responsibilities, including your responsibility to:
Insurers and their distribution networks, and governments, also have important roles to play in ensuring that your rights are protected.
Your 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.
You have the right to ask who is providing compensation to your broker for the sale of your insurance. Your broker will provide information detailing for you how he or she is paid, by whom and in what ways.
Insurance companies will disclose their compensation arrangements with their distribution networks. Brokers are committed to providing information relating to ownership, financing and other relevant facts. Under normal circumstances, insurers will advise you, as an insurance customer, or your intermediary of changes to, or the cancellation of, a policy at least thirty days prior to the expiration of the policy if you provide information required for determining renewal terms of the policy at least 45 days prior to the expiration of the policy.
Your right to complaint resolution
ING Insurance and our brokers are committed to high standards of customer service. If you have a complaint about the service you have received, you have the right to access our complaint resolution process. Your insurer, agent or broker can provide you with information about how you can ensure that your complaint is heard and promptly handled. Consumers may also contact the independent General Insurance OmbudService (www.gio-scad.org).
Your 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.
Your right to privacy
Because it is important for you to disclose any and all information that we require 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 broker or insurance representative. This information will not be disclosed to anyone except as permitted by law. You should know that insurers are subject to Canada’s privacy laws.
Your 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.
Your 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 can access information through brochures and websites, as well as through one-on-one meetings with your broker or company representative. 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 your insurance company or broker of any change in your circumstances. Information required to determine renewal terms of your policy must be provided at least 45 days prior to the expiration of the policy.
