Private companies sell car insurance in all the provinces and territories of Canada. However, they are not the only ones to do so since government-run companies tend to sell it as well.
Those companies operate primarily in British Columbia, Manitoba and Saskatchewan, where they sell strictly the required minimum insurance, which usually covers injuries to the driver and those around them. Government and private insurers also compete to sell “top-ups” or “additions” to the basic policy, such as car damage and/or theft coverages.
Quebec has a form of government-run insurance as well, which only covers injury and death claims, while the rest is covered by private companies. Private insurers also cover vehicle and property damage claims and bodily injury liability claims caused by accidents outside the province.
Other provinces and the territories deal with private companies only. However, regardless of whether the insurer is private or government-run, strict provincial laws define what they can and cannot do. Multiple government agencies, including provincial rate review boards and provincial/federal regulators, supervise these laws to make sure insurance companies do not violate them.
Provincial governments essentially dictate the basic car insurance policy in each province. However, there is still enough wiggle room for insurance companies to make choices when it comes to coverage limits, deductibles and top-ups. This means that car insurance coverage may vary from one car owner to another.
If you have any additional questions, feel free to contact us at any time or visit the Unhaggle.com.
Updated on March 26, 2013
The use of the Site indicates your unconditional acceptance of these terms of service. We reserve the right, in our sole discretion to update or revise these terms of service. Your continued use of the site following the posting of any changes to the terms of service constitutes acceptance of those changes.
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Limitation of Liability: IN NO EVENT SHALL UNHAGGLE OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, SUBSIDIARIES, DIVISIONS, DISTRIBUTORS, SUPPLIERS, AFFILIATES OR THIRD PARTIES PROVIDING INFORMATION ON THIS SITE BE LIABLE TO ANY USER OF THE SITE OR ANY OTHER PERSON OR ENTITY FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, PUNITIVE, CONSEQUENTIAL OR EXEMPLARY DAMAGES (INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA OR LOSS OF USE) ARISING OUT OF THE USE OR INABILITY TO USE THE SITE OR OTHERWISE, EVEN IF UNHAGGLE HAS BEEN ADVISED OF OR SHOULD HAVE KNOWN OF THE POSSIBILITY OF SUCH DAMAGES OR LOSS. IN NO EVENT SHALL THE TOTAL LIABILITY OF UNHAGGLE OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, SUBSIDIARIES, DIVISIONS, DISTRIBUTORS, SUPPLIERS, AFFILIATES OR THIRD PARTIES PROVIDING INFORMATION ON THIS SITE TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION RESULTING FROM YOUR USE OF THIS SITE WHETHER IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE) OR OTHERWISE EXCEED THE AMOUNT YOU PAID TO UNHAGGLE IN CONNECTION WITH THE APPLICABLE EVENT OR PROMOTION GIVING RISE TO SUCH LIABILITY. WITHOUT LIMITING THE FOREGOING, IN NO EVENT SHALL UNHAGGLE OR THEIR RESPECTIVE OFFICERS DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS, SUBSIDIARIES, DIVISIONS, DISTRIBUTORS, SUPPLIERS, AFFILIATES OR THIRD PARTIES PROVIDING INFORMATION ON THIS SITE HAVE ANY LIABILITY FOR ANY DAMAGES OR LOSSES ARISING OUT OF OR OTHERWISE INCURRED IN CONNECTION WITH THE LOSS OF ANY DATA OR INFORMATION CONTAINED IN YOUR ACCOUNT OR OTHERWISE STORED BY OR ON BEHALF OF UNHAGGLE.
You hereby acknowledge that the preceding paragraph shall apply to all content, merchandise and services available through the Site. Because some provinces do not allow limitations on implied warranties or the exclusion or limitation of certain damages in such provinces some or all of the above disclaimers or exclusions may not apply and liability will be limited to the fullest extent permitted by applicable law.
International Use: We make no representation that information on this Site is appropriate or available for use outside Canada. Those who choose to access this Site from outside Canada do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.
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Copyright Infringement: Notice and Take Down Procedures: If you believe that any materials on this Site infringe your copyright, you may request that they be removed. This request must bear a signature of the copyright holder or an authorized representative and must : (a) identify the allegedly infringing materials; (b) indicate where on the Site the infringing materials are located; (c) provide your name and contact information; (d) state that you have a good faith belief that the materials are infringing; (e) state that the information in your claim is accurate; and (f) indicate that "under penalty of perjury" you are the lawful copyright owner or are authorized to act on the owner's behalf. Our contact for copyright issues relating to this Site is: Copyright Agent: Unhaggle Inc., [email protected].
Choice of Law and Forum: These Terms of Service and any dispute of any sort that might arise between you and Unhaggle or its parent, subsidiaries or affiliates shall be governed by and construed in accordance with the laws of the province of Ontario, without regard to its conflict of law principles, as it is applied to agreements entered into and performed therein, and excluding the United nations Convention on Contracts for the Sale of Goods, as amended from time to time. Any action brought to enforce this Agreement or matters related to the Site will be brought in either the provincial or federal courts in Ontario, provided, however, that notwithstanding anything contained in these Terms of Service to the contrary we shall have the right to institute judicial proceedings against you or anyone acting by, through or under you, in order to enforce our rights hereunder through reformation of contract specific performance, injunction or similar equitable relief. You consent to the jurisdiction of such courts and irrevocably waive any objection including without limitation any objection to the laying of venue or based on the grounds of forum non conveniens which you may now or hereafter have to the bringing of any such action or proceeding in such jurisdiction. Any claim or cause of action you have with respect to use of the Site must be commenced within one (1) year after the claim arises.
Miscellaneous: Unless otherwise specified herein, these Terms of Service, together with the Privacy Policy, constitute the entire agreement between you and Unhaggle with respect to the Site and supersede all prior or contemporaneous communications and proposals (whether oral, written, or electronic) between you and Unhaggle with respect to the Site. If any part of these Terms of Service is held invalid or unenforceable, that portion shall be construed in a manner consistent with applicable law to reflect, as nearly as possible the original intentions of the parties, and the remaining portions shall remain in full force and effect. The failure of Unhaggle to act with respect to a breach by you or others does not waive Unhaggle's right to act with respect to subsequent or similar breaches. Unhaggle's failure to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision. The section headings contained in these Terms of Service are included for convenience only and shall not limit or otherwise affect the terms of these Terms of Service.
Updated on September 16, 2019
Unhaggle is committed to protecting the privacy of visitors to this Site. This Privacy Policy applies to the Site. This Privacy Policy does not apply to other websites to which we link.
Information Collected: In order to access this Site, you must first complete the registration process. During the registration process, we collect personal information such as your name and email address. Once you complete and submit your registration, you have opted-in to receive email communication from Unhaggle.
We also collect personal information when you choose to use certain other features of the Site, such as making purchases, we require you to provide additional information such as your phone number, billing addresses and credit card information, and we may request additional personal information such as your shopping preferences and demographics.
In addition, we automatically gather certain information about the use of the Site, such as how frequently certain areas of the Site are visited, including through the use of cookies, web beacons and other technologies. Most browsers can be set to prevent cookies or to notify you when one is being placed.
How We Use Your Information: We will not share or disclose your information to anyone except as described in this Privacy Policy.
We use personally identifiable information in order to give you a more enjoyable convenient shopping experience and to help us identify and/or provide information, products or services that may be of interest to you. We use your personally identifiable information to support and enhance your use of the Site and its features, including without limitation: fulfilling your order; providing customer service; tracking email invitations you send; and otherwise supporting your use of the Site. We may also track your past purchases to provide you with a personalized profile of your shopping history. In addition, we may notify you about new services or special promotional programs, or send you offers or information.
In connection with the performance of services to maintain and operate the Site and certain features on the Site, certain trusted third parties may be permitted to access your information. For example, we may use third parties to host the Site; operate various features available on the Site; send emails; analyze data; provide search results and links and assist in fulfilling your orders.
We may transfer personally identifiable information as an asset in connection with a proposed or actual merger or sale (including any transfers made as part of an insolvency or bankruptcy proceeding) involving all or part of our business or as part of a corporate reorganization, stock sale or other change in control. In such a circumstance the Transferee would be bound by the terms of this privacy policy.
We reserve the right to disclose information in order to comply with a subpoena, court order, administrative or governmental order, or any other requirement of law, or when we, in our sole discretion, believe it is necessary in order to protect our rights or the rights of others, to prevent harm to persons or property, to fight fraud and credit risk reduction.
We use non-personally identifiable information in the aggregate, so that we can improve the Site and for business and administrative purposes. We may also use or share with third parties for any purpose aggregated data that contains no personally identifiable information.
How We Protect Your Information: We are committed to protecting the information we receive from you. We follow reasonable technical and management practices to help protect the confidentiality, security and integrity of data stored on our system. While no computer system is completely secure, we believe the measures we have implemented reduce the likelihood of security problems to a level appropriate to the type of data involved.
The Site encrypts your credit card number and other personal information using secure socket layer (SSL) technology to provide for the secure transmission of the information from your PC to our servers. In addition, only those employees and third parties who need access to you information in order to perform their duties are allowed such access.
We will store your personal information for as long as necessary to fulfill the purpose for which it was collected, except where otherwise required or permitted by law. Once no longer required, your personal information will be securely destroyed or anonymized (so that the information no longer identifies you).
Some of our authorized third-party service providers operate in the United States. In the course of providing their services to us, these service providers may access, process, store or use your personal information in the United States. In that case, your personal information is subject to the law of the United States, including any law permitting or requiring disclosure of the information to the government, government agencies, courts and law enforcement in the United States.
During your visits to other websites, we (or third parties) may use certain anonymous, non-personal data collected on our site to show you advertisements likely to be of greater interest to you, which is called Online Behavioural Advertising (OBA).
Our partners use OBA to show you ads based on your behaviour. If you want to opt out of receiving online behavioural advertising via the Google Network, please visit this page and click on the Opt-Out Settings that reads "Opt out of interest-based Google Ads Across the Web". This does not mean that you will no longer receive advertising when visiting other sites. It just means that the advertising you see will not be customized for you based on your behaviour on this and all other sites on the Google Network.
We may allow third-parties, including our authorized service providers and advertising companies, to employ third-party cookies to collect anonymous information about you. This information may allow them to deliver targeted advertisements and gauge their effectiveness and are covered by their Privacy Policies.
Most browsers have cookies enabled by default, but you can usually modify your browser settings to disable cookies. The option to change cookies settings is typically found in the 'options' or 'preferences' menu of your browser. In order to understand these settings, please use the 'Help' option in your browser for more details.
Accessing and Updating Your Personal Information and Preferences: If you are a registered user, you may access and update your registration information and your preferences to receive email or other communications from us by sending an email to [email protected]. Any user who receives an email invitation to join the Site may choose not to receive such invitations in the future by following the instructions in the email invitations and, in addition, if you are a member, you may also choose not to receive such invitations by changing your preferences as indicated above. We will take commercially reasonable steps to implement your opt-out requests promptly, but you may still receive communications from us for up to ten business days as we process your request.
In addition, you may update, change or correct your personal information or preferences by sending an email to [email protected].
While we make efforts to accommodate requests to restrict our use of your information, we reserve the right to delete all or any portion of customer information if we are not able to reasonably accommodate a requested restriction.
Children's Privacy and Parental Controls: We do not solicit any personal information from children. If you are not 18 or older, you are not authorized to use the Site. Parents should be aware that there are parental control tools available online that you can use to prevent your children from submitting information online without parental permission or from accessing material that is harmful to minors.
Privacy Policy Changes: If we decide to change our Privacy Policy for the Site, we will post the revised Privacy Policy here so that you will always know what information we gather, how we might use that information and whether we may disclose it to anyone.
If you have any questions about this Privacy Policy, please contact us at:
Unhaggle Inc.
20 Queen Street West, Suite 2800
Toronto, ON M5H 3R3
Canada
1-866-215-7868
[email protected]