Common use of Right to Be Informed Clause in Contracts

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under normal circumstances, they will advise the intermediary who approaches them of any changes to the policy terms at least 30 days prior to the expiration of the policy. Terms may subsequently change if there is a change in material facts prior to the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangements. You have the right to ask the intermediary with whom you deal for details of how and by whom the intermediary is being paid. Lloyd's Underwriters accept business as members of syndicates each of which is managed by a 'managing agent'. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agent.

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-easy- to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under Under normal circumstances, they insurers will advise an insurance customer or the customer’s intermediary who approaches them of any changes to to, or the cancellation of a policy terms at least 30 days within a reasonable prescribed period prior to the expiration of the policy. Terms may subsequently change , if there the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is a change in material facts usually 45 days prior to expiry of the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangementspolicy. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. You have a right to be told about insurers' compensation arrangements with their distribution networks. You have a right to ask the broker or agent with whom you deal for details of how and by whom the intermediary it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through one-on-one meetings with your broker or agent. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your broker or agent of any change in your circumstances. Right to Complaint Resolution Insurers, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access Lloyd's Underwriters accept business as members of syndicates each of which Underwriters’ complaint resolution process for Canada. Your agent or broker can provide you with information about how you can ensure that your complaint is managed by a 'managing agent'heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for information. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company member of an independent complaint resolution office, the General Insurance OmbudService. Responsibility to Resolve Disputes You should always enter into the dispute resolution process in good faith, provide required information in a Lloyd's managing agenttimely manner, and remain open to recommendations made by independent observers as part of that process.

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-easy- to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by LloydUnder normal circumstances, insurers will advise an insurance customer or the customer’s Underwriters will expire on intermediary of changes to, or the day specified in cancellation of a policy, at least thirty days prior to the policy. If you wish to renew expiration of the policy, if the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the customer provides information they require to determine required for determining renewal terms for of the policy at least 45 days prior to its expiry, under normal circumstances, they will advise the intermediary who approaches them of any changes to the policy terms at least 30 forty-five days prior to the expiration of the policy. Terms may subsequently change if there is a change in material facts prior to the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangements. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. Insurance companies will disclose their compensation arrangements with whom their distribution networks. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you deal should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through brochures and websites, as well as through one-on-one meetings with your broker, agent, or company representative. You have the option to shop the marketplace for details the combination of how coverages and by whom service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your insurance company or broker or agent of any change in your circumstances. Information required to determine renewal terms of your policy must be provided at least forty-five days prior to the intermediary is being paid. Lloyd's Underwriters accept business as members of syndicates each of which is managed by a 'managing agent'. Lloyd's has risk management procedures in place in respect expiration of the relationship between Lloyd's managing policy. Right to Complaint Resolution Insurance companies, their brokers and agents and any related companies that act as intermediariesare committed to high standards of customer service. This is If you have a complaint about the service you have received, you have a right to access your company’s complaint resolution process. Your insurer, agent or broker can provide you with information about how you can ensure that your complaint is heard and promptly handled. Consumers may also contact the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agentindependent General Insurance OmbudService (xxx.xxxxxxxxx.xxx).

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-easy- to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under Under normal circumstances, they insurers will advise an insurance customer or the customer’s intermediary who approaches them of any changes to to, or the cancellation of a policy terms at least 30 days within a reasonable prescribed period prior to the expiration of the policy. Terms may subsequently change , if there the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is a change in material facts usually 45 days prior to expiry of the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangementspolicy. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. You have a right to be told about insurers' compensation arrangements with their distribution networks. You have a right to ask the broker or agent with whom you deal for details of how and by whom the intermediary it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through one-on-one meetings with your broker or agent. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your broker or agent of any change in your circumstances. Right to Complaint Resolution Insurers, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access Lloyd's Underwriters accept business as members of syndicates each of which Underwriters’ complaint resolution process for Canada. Your agent or broker can provide you with information about how you can ensure that your complaint is managed by a 'managing agent'heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for information. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agentmember of an independent complaint resolution office, the General Insurance OmbudService.

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under Under normal circumstances, they insurers will advise an insurance customer or the customer’s intermediary who approaches them of any changes to to, or the cancellation of a policy terms at least 30 days within a reasonable prescribed period prior to the expiration of the policy. Terms may subsequently change , if there the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is a change in material facts usually 45 days prior to expiry of the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangementspolicy. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. You have a right to be told about insurers' compensation arrangements with their distribution networks. You have a right to ask the broker or agent with whom you deal for details of how and by whom the intermediary it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through one-on-one meetings with your broker or agent. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your broker or agent of any change in your circumstances. Right to Complaint Resolution Insurers, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access Lloyd's Underwriters accept business as members of syndicates each of which Underwriters’ complaint resolution process for Canada. Your agent or broker can provide you with information about how you can ensure that your complaint is managed by a 'managing agent'heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for information. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agentmember of an independent complaint resolution office, the General Insurance OmbudService.

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under Under normal circumstances, they insurers will advise an insurance customer or the customer’s intermediary who approaches them of any changes to to, or the cancellation of a policy terms at least 30 days within a reasonable prescribed period prior to the expiration of the policy. Terms may subsequently change , if there the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is a change in material facts usually 45 days prior to expiry of the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangementspolicy. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. You have a right to be told about insurers' compensation arrangements with their distribution networks. You have a right to ask the broker or agent with whom you deal for details of how and by whom the intermediary it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through one-on-one meetings with your broker or agent. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your broker or agent of any change in your circumstances. Right to Complaint Resolution Insurers, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access Lloyd's Underwriters` complaint resolution process for Canada. Your agent or broker can provide you with information about how you can ensure that your complaint is heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for information. Lloyd's is a member of an independent complaint resolution office, the General Insurance OmbudService. ResponsibilitytoResolveDisputes You should always enter into the dispute resolution process in good faith, provide required information in a timely manner, and remain open to recommendations made by independent observers as part of that process. RighttoProfessionalService You have the right to deal with insurance professionals who exhibit a high ethical standard, which includes acting with honesty, integrity, fairness and skill. Brokers and agents must exhibit extensive knowledge of the product, its coverages and its limitations in order to best serve you. RighttoPrivacy Because it is important for you to disclose any and all information required by an insurer to provide the insurance coverage that best suits you, you have the right to know that your information will be used for the purpose set out in the privacy statement made available to you by your broker, agent or insurance representative. This information will not be disclosed to anyone except as permitted by law. You should know that Lloyd's Underwriters accept are subject to Canada’s privacy laws - with respect to their business as members of syndicates each of which is managed by a 'managing agent'. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agentCanada.

Right to Be Informed. In dealing with Lloyd’s Underwriters, you will be represented by an intermediary, such as a broker acting as your agent, and they may deal with other intermediaries. From the intermediary with whom you deal, you You can expect to access clear information about your policy, your coverage, and the claims settlement process. You have the right to an easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how premiums are calculated insurers calculate price based on relevant facts. A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy. If you wish to renew the policy, the intermediary with whom you deal will have to approach the Underwriters participating in it, often through another intermediary. If Lloyd’s Underwriters are given the information they require to determine renewal terms for the policy at least 45 days prior to its expiry, under Under normal circumstances, they insurers will advise an insurance customer or the customer’s intermediary who approaches them of any changes to to, or the cancellation of a policy terms at least 30 days within a reasonable prescribed period prior to the expiration of the policy. Terms may subsequently change , if there the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is a change in material facts usually 45 days prior to expiry of the expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of ways, which may include the payment of commissions. Lloyd's strongly supports the disclosure and transparency of these commission arrangementspolicy. You have the right to ask who is providing compensation to your broker or agent for the intermediary sale of your insurance. Your broker or agent will provide information detailing for you how he or she is paid, by whom, and in what ways. You have a right to be told about insurers' compensation arrangements with their distribution networks. You have a right to ask the broker or agent with whom you deal for details of how and by whom the intermediary it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. Responsibility to Ask Questions and Share Information To safeguard your right to purchase appropriate coverage at a competitive price, you should ask questions about your policy so that you understand what it covers and what your obligations are under it. You can access information through one-on-one meetings with your broker or agent. You have the option to shop the marketplace for the combination of coverages and service levels that best suits your insurance needs. To maintain your protection against loss, you must promptly inform your broker or agent of any change in your circumstances. Right to Complaint Resolution Insurers, their brokers and agents are committed to high standards of customer service. If you have a complaint about the service you have received, you have a right to access Lloyd's Underwriters accept business as members of syndicates each of which Underwriters` complaint resolution process for Canada. Your agent or broker can provide you with information about how you can ensure that your complaint is managed by a 'managing agent'heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for information. Lloyd's has risk management procedures in place in respect of the relationship between Lloyd's managing agents and any related companies that act as intermediaries. This is to ensure that the managing agent makes proper disclosures of any such arrangements. A policyholder may ask the intermediary whom he is dealing to disclose if it is a related company to a Lloyd's managing agentmember of an independent complaint resolution office, the General Insurance OmbudService.