If this involves insurance of persons, you can contact Assuris. Subject to certain maximum amounts, Assuris protects Canadian policyholders against loss due to the financial failure of a life and health insurance company. For more information regarding insurance coverage, visit the website www.assuris.ca This link will open in a new window.

For damage insurance companies, namely, automobile and home insurance, you can contact the Property and Casualty Insurance Compensation Corporation. Visit the website www.pacicc.com This link will open in a new window.

Most insurers offer a 10-day review period after receipt of the contract within which you may return the contract and obtain a reimbursement of the premium paid. This right is provided for in the contract and not in law.

An insurer may refuse payment if the suicide occurs within two years following the signing of the insurance policy. After this time period, the insurer is required to pay.
(Civil code of Québec, art. 2441)

A divorce cancels any and all designations of a spouse as a beneficiary.
(Civil Code of Québec, art. 2459)

The insurer is bound to pay the sums insured and the other benefits provided in the policy, in accordance with the conditions of the policy, within thirty days after receipt of the required proof of loss. (Civil Code of Québec, art. 2436)