Little, or not much information had been relayed to new driving migrants in the country with regards to this.
Disagreements between insurance companies and their customers can often be quickly and easily resolved.
Problems often arise over a simple misunderstanding. If your matter is not resolved with your insurer’s complaints liaison officer, request a final position letter and contact General Insurance OmbudService (GIO).
GIO is an independent, regionally based consumer dispute-resolution system for the insurance industry. Its members include most federally licensed and several provincially incorporated insurers. GIO helps you and your insurer resolve differences about claims-related matters and interpretation of policy coverage in a fair, independent and impartial environment.
GIO was created in 2002, with the sole purpose of helping Canadian consumers resolve disputes or concerns with their home, auto or business insurers.
GIO employees are impartial professionals with experience in the insurance industry and related sectors, but with no direct ties to specific insurance companies or their boards of directors. They utilize their extensive experience and industry-related insight to work towards a fair solution between individuals and their insurance providers.
GIO’s services are available free of charge, in both English and French to any home, auto or business insurance policyholder of a member company, anywhere in Canada. The majority of issues we deal with concern claims, interpretation of policy coverage and policy processing and handling, including its Mediation (or Senior Adjudication – where applicable) that are arranged for you.
GIO is governed by a seven-member Board of Directors, committed to the ideals of fairness and integrity. Five of the Directors are individuals from outside the insurance industry who bring experience from a wide range of professions. The regionally diverse Board also has two industry appointed directors who provide an industry perspective.
Who can use GIO?
Any home, car or business insurance policyholder who has a concern, problem or dispute with a General Insurance OmbudService (GIO) member company can use the service. The types of consumer complaints that GIO generally deals with include claims, interpretation of policy coverage, policy processing and handling.
Some matters are beyond the scope of GIO services. These include:
The cost of insurance and rates. (In Alberta only, GIO assists policyholders in resolving complaints about auto premiums in accordance with provincial legislation);
Availability of insurance;
Dispute settlement procedures as required by law or designated regulatory authorities;
Matters that have been, or are, before the courts.
GIO’s experienced Consumer Service Officers will review a matter to determine if the company acted appropriately, verify those situations where GIO’s dispute resolution services do not apply and discuss other options available to the consumer. Your GIO representatives will guide you through the options and will on occasion follow up with your insurance company to address preliminary issues or questions concerning the complaint.