Common use of Right to be informed Clause in Contracts

Right to be informed. 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 insurers calculate price based on relevant facts. Under normal circumstances, insurers will advise an insurance customer or the customer’s intermediary of changes to, or the cancellation of a policy within a reasonable prescribed period prior to the expiration of the policy, if the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is usually 45 days prior to expiry of the policy. You have the right to ask who is providing compensation to your broker or agent for the 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 it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. 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. Responsibility to Resolve Disputes 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.

Right to be informed. You 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- easy-to-understand explanation of how insurance works and how it will meet your needs. You also have a right to know how insurers calculate price premiums are calculated based on relevant facts. Under 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, insurers they will advise an insurance customer or the customer’s intermediary who approaches them of any changes to, or to the cancellation of a policy within a reasonable prescribed period 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 customer provides information required for determining renewal terms expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of the policy within the time prescribedways, which could vary by province, but is usually 45 days prior to expiry may include the payment of commissions. Lloyd's strongly supports the policydisclosure and transparency of these commission arrangements. You have the right to ask who is providing compensation to your broker or agent for the 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 intermediary with whom you deal for details of how and by whom it the intermediary is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. 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 Underwriters accept business as members of syndicates each of which is heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for informationmanaged 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 member of an independent complaint resolution office, the General Insurance OmbudService. Responsibility related company to Resolve Disputes 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 processLloyd's managing agent.

Right to be informed. You 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- toeasy-to- understand explanation of how insurance works and how it will meet your needs. You also have a right to know how insurers calculate price premiums are calculated based on relevant facts. Under 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, insurers they will advise an insurance customer or the customer’s intermediary who approaches them of any changes to, or to the cancellation of a policy within a reasonable prescribed period 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 customer provides information required for determining renewal terms expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of the policy within the time prescribedways, which could vary by province, but is usually 45 days prior to expiry may include the payment of commissions. Lloyd's strongly supports the policydisclosure and transparency of these commission arrangements. You have the right to ask who is providing compensation to your broker or agent for the 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 intermediary with whom you deal for details of how and by whom it the intermediary is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. 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 Underwriters accept business as members of syndicates each of which is heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for informationmanaged 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 member of an independent complaint resolution office, the General Insurance OmbudService. Responsibility related company to Resolve Disputes 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 processLloyd's managing agent.

Right to be informed. You 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- toeasy-to- understand explanation of how insurance works and how it will meet your needs. You also have a right to know how insurers calculate price premiums are calculated based on relevant facts. Under 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, insurers they will advise an insurance customer or the customer’s intermediary who approaches them of any changes to, or to the cancellation of a policy within a reasonable prescribed period 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 customer provides information required for determining renewal terms expiration date. Intermediaries may receive payments from Lloyd’s Underwriters in a variety of the policy within the time prescribedways, which could vary by province, but is usually 45 days prior to expiry may include the payment of commissions. Lloyd's strongly supports the policydisclosure and transparency of these commission arrangements. You have the right to ask who is providing compensation to your broker or agent for the 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 intermediary with whom you deal for details of how and by whom it the intermediary is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. 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 Underwriters accept business as members of syndicates each of which is heard and promptly handled. Consumers may also contact their respective provincial insurance regulator for informationmanaged 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 member of an independent complaint resolution office, the General Insurance OmbudService. Responsibility related company to Resolve Disputes 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 processXxxxx'x managing agent.

Right to be informed. 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 insurers calculate price based on relevant facts. Under normal circumstances, insurers will advise an insurance customer or the customer’s intermediary of changes to, or the cancellation of a policy within a reasonable prescribed period prior to the expiration of the policy, if the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is usually 45 days prior to expiry of the policy. You have the right to ask who is providing compensation to your broker or agent for the 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 it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. For purposes of the Insurance Companies Act (Canada), this document was issued in the course of Lloyd's Underwriters' insurance business in Canada. LSW1565C 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 Xxxxx'x 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 Xxxxx'x is a 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 timely manner, and remain open to recommendations made by independent observers as part of that process.

Right to be informed. You 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 processprocess . You have the right to an easy- toeasy-to- understand explanation of how insurance works and how it will meet your needsneeds . You also have a right to know how insurers calculate price premiums are calculated based on relevant factsfacts .‌ A policy issued by Lloyd’s Underwriters will expire on the day specified in the policy . Under 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, insurers they will advise an insurance customer or the customer’s intermediary who approaches them of any changes to, or to the cancellation of a policy within a reasonable prescribed period terms at least 30 days prior to the expiration of the policy, policy . Terms may subsequently change if there is a change in material facts prior to the customer provides information required for determining renewal terms expiration date . Intermediaries may receive payments from Lloyd’s Underwriters in a variety of the policy within the time prescribedways, which could vary by province, but is usually 45 days prior to expiry may include the payment of commissions . Lloyd’s strongly supports the policydisclosure and transparency of these commission arrangements . You have the right to ask who is providing compensation to your broker or agent for the 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 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 being paida related company to a Lloyd’s managing agent . Brokers and agents are committed to providing information relating to ownershipDepending on the jurisdiction, financing, and other relevant facts. 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 disclosure may be required in your circumstances. 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. Responsibility to Resolve Disputes 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 processwriting .

Right to be informed. You 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 processprocess . You have the right to an easy- toeasy-to- understand explanation of how insurance works and how it will meet your needsneeds . You also have a right to know how insurers calculate price premiums are calculated based on relevant factsfacts . Under 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, insurers they will advise an insurance customer or the customer’s intermediary who approaches them of any changes to, or to the cancellation of a policy within a reasonable prescribed period terms at least 30 days prior to the expiration of the policy, policy . Terms may subsequently change if there is a change in material facts prior to the customer provides information required for determining renewal terms expiration date . Intermediaries may receive payments from Lloyd’s Underwriters in a variety of the policy within the time prescribedways, which could vary by province, but is usually 45 days prior to expiry may include the payment of commissions . Lloyd’s strongly supports the policydisclosure and transparency of these commission arrangements . You have the right to ask who is providing compensation to your broker or agent for the 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 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 being paida related company to a Lloyd’s managing agent . Brokers and agents are committed to providing information relating to ownershipDepending on the jurisdiction, financing, and other relevant facts. 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 disclosure may be required in your circumstances. 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. Responsibility to Resolve Disputes 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 processwriting .

Right to be informed. 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 insurers calculate price based on relevant facts. Under normal circumstances, insurers will advise an insurance customer or the customer’s intermediary of changes to, or the cancellation of a policy within a reasonable prescribed period prior to the expiration of the policy, if the customer provides information required for determining renewal terms of the policy within the time prescribed, which could vary by province, but is usually 45 days prior to expiry of the policy. You have the right to ask who is providing compensation to your broker or agent for the 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 it is being paid. Brokers and agents are committed to providing information relating to ownership, financing, and other relevant facts. 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. 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. Responsibility to Resolve Disputes 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. 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. 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 are subject to Canada’s privacy laws - with respect to their business in Canada.