Terms of Use

The following terms and conditions (“Terms of Use”) govern the access to and use of the services provided by National Insurance Quotes Inc. on this website (the “Services”) as well as the access to content and functionalities in relation to the Services. “We”, “Us” and “Our” refers to National Insurance Quotes Inc. and its subsidiaries and other affiliated companies as the case may be.

Use of this site

  1. By accessing or using any of the Services you agree to be bound by these Terms of Use which constitute a binding legal agreement between you and Us. We reserve the right to update these Terms of Use from time to time without notice. Continued use of the Services after any such update, as contained in the most current version of Terms of Use posted on this site, shall constitute your consent and acceptance to such update.

Legal notice

  1. The contents of this site are for information purposes only. Text and information contained on this site and references to resource material is not intended to provide any financial, insurance, legal, accounting or tax advice and shall not be relied upon by you in any such regard. This site should not be relied upon by you as a substitute for your own independent research and we strongly recommend that you speak to a professional broker for any questions you have about the information provided on this site.
  2. We do not underwrite products or process or pay claims on these products. All insurance products are offered through Our affiliated partners (“Insurance Provider”).
  3. The information provided on this site does not constitute an offer. The purchase of a policy from an Insurance Provider confirms your acceptance of the applicable policy wording, terms, conditions, limits, and exclusions set out therein. We are not responsible for differences between the information found on this site or provided through use of the Services and the actual quotes or coverage provided by the Insurance Provider and subject to change without notice.

Modification to services

  1. We reserve the right to at any time and from time to time modify the Services, or any part thereof, without notice.
  2. We reserve the right to discontinue – temporarily or permanently – the Services (or any part thereof) without notice. You acknowledge that We may prevent your access to the Services at any time in Our sole discretion.

Accuracy of information

  1. The information contained on this site, including without limitation quoted premiums, is believed to be accurate when posted, but is not warranted or represented in any way to be so. We assume no liability or responsibility for any errors or omissions on this site. Any use or reliance on such information is at your own risk.

Third party consent

  1. This site may contain links to other sites. To the extent the Services contain links to applications, websites and microsites operated by third parties (“Third Party Sites”), you acknowledge and accept that We exercise no control over such Third Party Sites and that We are providing you with access to such Third Party Sites for your convenience only. We make no warranties or representations whatsoever about any Third Party Site or service which you may access through the Services. If you choose to access a Third Party Site, you do so at your own risk and We are not responsible or in any way liable for the content, accuracy, compliance with relevant laws or accessibility of any information, data, advice or statements or for the quality of any products or services available on such Third Party Sites. The linking of any site to or through this site does not imply Our endorsement of any company, product or information offered, described or otherwise made available on or through such linked sites.

Trademarks and copyright

  1. This site contains content which is Our intellectual property, including without limitation text, graphics, images and software protected by copyright laws and logos, brands, designs and other marks protected by trademark laws (“Our Intellectual Property”). Nothing contained on this site should be construed as granting any license or right to use Our Intellectual Property displayed or used on this site, without Our prior written consent or the consent of any third party who may have rights to any such item or information displayed on this site. All rights in respect of all such trademarks or other intellectual property are reserved.
  2. You may freely browse this site but you may only download text, images, audio and video content for personal, non-commercial purposes. Nothing from this site may be used by you for public or commercial purposes, except as provided in these terms and conditions or in the text on this site, without Our prior written consent.

Limitation of liability and indemnity

  1. Your use of and browsing of this site are undertaken at your own risk. We will not be liable for any direct, incidental, consequential, indirect or punitive damages arising out of your access to, or use of this site or any consequences flowing there from.
  2. All content on this site is provided to you without any warranty or representation of any kind, whether expressed or implied, including implied warranties of merchantability, fitness for purpose, or non-infringement.
  3. This site may contain content from third party sources. We are not liable for any third party products, views or information presented on this site and such information or content does not reflect Our opinions, recommendations or practices, unless specifically stated otherwise.

Costs and payment

  1. When you select a quoted insurance product you wish to purchase, you will then be directed to complete the transaction with the applicable Insurance Provider and not Us. The Insurance Provider may accept the offer provided in the quote or decline, in their discretion and if accepted payment will be automatically be processed by the Insurance Provider.
  2. You understand and accept that You are solely responsible for all costs involved with using the Services and paying any administration fees of the Insurance Provider as well as the premiums on the purchased insurance product.
  3. If you choose to purchase a product through from an Insurance Provider through Our site, We will received commission on the transaction from the Insurance Provider directly and may receive a renewal (or service) commission if you retain that policy.

Data protection and privacy

  1. We will only use any personal information that We may collect about You in accordance with Our privacy policy. Please click here to view Our privacy policy. This policy forms an essential part of these Terms of Use and it is important that You read it. By accepting these Terms of Use You also accept and consent to Our privacy policy.

Security

  1. Unless encrypted, information sent or received over the internet is insecure and We cannot and do not make any representation, warranty or promise concerning the interception by third parties of your information, personal or otherwise. We take reasonable precautions to keep the information that we collect through this website secure, including organizational, physical and electronic precautions. However, no communication over the internet is fully secure. Consequently, we cannot guarantee the security or confidentiality of information that you transmit.

Licensing

  1. This site is operated by National Insurance Quotes operating as National Insurance Quotes. National Insurance Quotes Inc. is contracted with Assumption Life and is licensed in the province of Nova Scotia.
  2. National Insurance Quotes and its staff hold life and/or accident & sickness insurance agent licenses in the geographic areas served and only work through and with licensed insurance agents.

Jurisdiction

  1. These terms and conditions are governed by the laws of the Province of Nova Scotia, without respect to its conflict of laws principles and you expressly agree that exclusive jurisdiction for any dispute with National Insurance Quotes Inc. or its affiliates in any way relating to this site resides in the Courts of the Province of Nova Scotia.

If you have any questions about your coverage, please contact us at 1-877-429-2696 or info@nationalinsurancequotes.com

Our Affiliated Partners

  • The Empire Life Insurance Company
  • Manulife Financial
  • Medavie Blue Cross
  • Blue Cross Travel Insurance
  • BMO Life Insurance Company
  • Foresters Life Insurance
  • Assumption Mutual Life Insurance Company
  • Desjardins Financial Security Life Assurance Company
  • The Equitable Life Insurance Company of Canada
  • Industrial Alliance Insurance and Financial Services Inc.
  • RBC Life Insurance Company of Canada
  • Allianz Global Assistance
  • Ivari
  • Sun Life Financial
  • SSQ Life Insurance Company Inc.
  • Co-operators Life Insurance Company
  • Encon Group Inc.
  • Humania Assurance
  • Canada Protection Plan