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Do not rely solely on the information contained in this site to make insurance (or related) decisions. You are responsible for reading your own policies to ensure they are suitable for you.

It is possible that there are errors and omissions in this website and, or its authors, take no responsibility. is written from the perspective of a former Insurance broker. Information may vary substantially in other jurisdictions. Only a broker or agent licensed in your province (or State) can give insurance advice pertaining to your needs. You are strongly encouraged to seek out such advice.

The information on is general and possibly over simplified.

Because of the general nature of the information provided it is possible that there are errors or omissions in the content. All insurance policies contain exclusions, limitations, definitions, conditions and terms. They can vary greatly from one insurance policy to another so you are advised to always consult official policy wordings when making an insurance decision. provides this website as a service. While the information contained within the site is periodically updated, no guarantee is given that the information provided in this website is correct, complete, and/or up-to-date. Always refer to your own policy for official details.

The materials contained on this website are provided for general information purposes only and do not constitute legal or other professional advice on any subject matter. , and its author(s), does not accept any responsibility for any loss which may arise from reliance on information contained on this site.

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