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Privacy Policy


At SmartCoverage Insurance Services Inc. & SmartCoverage Insurance Agency Inc. (SmartCoverage Insurance) we respect your privacy and value our relationship with you. We protect the personal information we gather. It may be used only by SmartCoverage Insurance, our affiliates and related companies, dealers/retailers, our suppliers (for our service requirements only) and SmartCoverage Insurance business partners (solely for use in promoting joint marketing programs), to enhance SmartCoverage Insurance products and services and marketing initiatives aimed at supporting and improving your total customer experience. Our goal is to enhance your product and service experience with us. By submitting this personal information to us, you are consenting to its use and disclosure for the following purposes:

  • assess your application for insurance, including underwriting your policy;
  • communicate with you for customer service, and to better manage our relationship with you;
  • respond to your inquiries and maintain the accuracy of our records;
  • evaluate and settle a claim;
  • to detect and prevent fraud;
  • provide you with SmartCoverage Insurance, SmartCoverage Insurance affiliate and related companies, and SmartCoverage Insurance business partner products, services and related information and/or promotional materials to meet your needs;
  • analyze business results; and
  • to meet legal and regulatory requirements.

If these intended uses are not reasonably obvious from the circumstances in which personal information is collected, we will provide you with an opportunity to withhold your consent to the collection, use or disclosure of the information. For example, we will give you an opportunity to tell us not to use for marketing purposes the contact information that you provide us when requesting an insurance quote or purchasing your insurance policy. Keep in mind, however, that there are limited situations in which applicable laws require or allow us, our affiliates and associated companies, suppliers, business partners and our dealers/retailers to use/disclose personal information without consent. They include, for example, safety and law enforcement/compliance activities.

What information about me is collected by SmartCoverage Insurance and how is it used?

SmartCoverage Insurance collects personal information about you that is reasonably necessary for the purposes described above. We may collect this information directly from you or from our SmartCoverage Insurance web sites, dealers/retailers, affiliates, service providers, and other sources that compile lists of potential vehicle purchasers, always with your consent when required by law.

For example, when you purchase insurance from us we collect information about you, other drivers in your household, your vehicles and their uses etc. in order to properly underwrite your policy. Further, when you purchase or lease a vehicle, a Dealer/Retailer, as the case may be, will collect information about you that may be shared with SmartCoverage Insurance for the above stated purposes. SmartCoverage Insurance also conducts contests, quizzes, surveys, promotions and offers several forms of personalized services such as vehicle insurance, in respect of which you may be requested to provide certain contact and eligibility information such as name, mailing address, telephone number, e-mail address, date of birth and other information that may be required to provide or administer these services or promotions. We may also ask you to provide additional information about your purchasing patterns and preferences, gender and other financial, insurance and demographic information such as family income. We use this information as described in our list of uses set out above. The more information you volunteer, and the more accurate it is, the better we are able to customize and improve your experience with SmartCoverage Insurance.

What Information SmartCoverage Insurance May Collect Through its Web Site:

What Information SmartCoverage Insurance May Collect Through its Web Site:
During normal Web site usage, you can visit our site without communicating any personal information. However, as part of your request for an auto insurance quote, SmartCoverage Insurance will require contact information such as name, mailing address, telephone number, e-mail address, date of birth and other data required to assess your request for auto insurance and enable SmartCoverage Insurance to contact you.

As described above, we may also ask you to provide additional personal information. We use this information as described in our list of uses set out above. Again, the more information you volunteer, and the more accurate it is, the better we are able to customize and improve your experience with SmartCoverage Insurance.

SmartCoverage Insurance's Web Site Cookies:
When you visit one of the SmartCoverage web sites, we may collect and store information about your visit on an anonymous, aggregate basis using "cookie" technology. A cookie is an element of data that a Web site can send to your browser, which may then store the cookie on your hard drive. Cookies may tell us the time and length of your visit, the pages you look at on our sites, and the site you visited just before coming to ours. We may also record the name of your Internet service provider, browser type, IP address and Web activity. This information allows us to measure site activity to tailor and optimize the consumer's experience within our Web site. The goal is to save you time and provide you with a more meaningful visit. Cookies used by SmartCoverage on its Web sites are solely to facilitate navigation and security across the site, and are not used to capture or reveal personal information.

If you are concerned about cookies, you may modify your browser settings to notify you when you receive a cookie. If you do not know how to modify your browser settings please consult your browser documentation or the supplier web site. You may visit the SmartCoverage Web site with your cookies turned off. However, you may not be able to access some of the areas of our site, which require cookies for customization and personalization.


Will SmartCoverage Insurance share my information with other parties?

When you provide SmartCoverage Insurance with personally identifiable information, SmartCoverage Insurance may share that information with our affiliates and related companies, dealers/retailers, our suppliers (for our service requirements only) and SmartCoverage Insurance business partners (solely for use in promoting joint marketing programs). Before we share your information with any of these or other organizations we will ensure we have the consent required under applicable law. For a list of the affiliates and associated companies, business partners or dealers/retailers with whom we may share your information, please contact us. SmartCoverage Insurance may also share your personal information with our suppliers for the exclusive purpose of providing services for us (e.g. mailings to you in response to your request for information, or to fulfill our obligation in binding your insurance policy).

We may disclose your personal information as required by law, in conjunction with a government inquiry or in litigation or dispute resolution. In addition, if a SmartCoverage Insurance service provider is located outside of Canada, your personal information may be processed and stored outside of Canada and the governments of those jurisdictions (eg. The United States of America) may be able to obtain disclosure of your personal information under their local laws.

Additionally, our Web sites, and do contain links to sites outside of and not controlled by SmartCoverage Insurance. SmartCoverage Insurance is not responsible for these sites, their omissions or for the policies or content of their Web sites. We recommend that you read the privacy policies of these sites before making a decision to provide your personal information to the site operators.


How is my personal information protected?

SmartCoverage Insurance is committed to protecting your personal information in full compliance with this Privacy Policy and applicable laws. SmartCoverage Insurance understands your concerns about online security and about the security of your information otherwise collected by us and we take reasonable precautions to prevent the loss, misuse or alteration of information under our control. In addition, we employ generally accepted information security policies, procedures and techniques. Your personal information may be stored and/or processed or otherwise used by or on behalf of SmartCoverage Insurance inside and outside of Canada.

We encourage you, the user, to observe the security features built into your browser. Upgrading to the latest version of an Internet browser will often provide increased security.


Can I opt-out of SmartCoverage Insurance marketing promotions and initiatives?

If you do not want to be contacted for product, service or marketing initiatives, or if you would like to be removed from any direct marketing initiatives, corporate surveys, telemarketing or direct mail or e-mail lists, or if you would otherwise like to limit our use or disclosure of your personal information, please contact us as indicated below.

Except as required or permitted by applicable law, we will respect your wishes relating to the use of your personal information and we will ensure that your file reflects the limitations that you have requested. Unless they are obvious, we will advise you of the consequences of withdrawing your consent. For example, if you withdraw your consent, SmartCoverage Insurance may not be able to provide you or continue to provide you with the services or products of your choice, or information about products or services that may be of value to you.


How can I access and correct errors in my information?

You can access and correct errors in your personally identifiable information by contacting us as indicated below. Note: If a correction involves your insurance policy, you will be asked for your policy number, name, address and additional contact information.

While SmartCoverage Insurance uses reasonable efforts to ensure that the information we hold about you is accurate, complete and current, we often rely on you to inform us about changes to your contact or other relevant information (eg. name, address, telephone number, etc.).


How do I contact SmartCoverage Insurance?

If you wish to limit the use of any of your personal information that we may have, you may contact SmartCoverage Insurance in one of the following ways.

SmartCoverage Insurance
P.O. Box 489, Station A
Windsor, ON  N9A 6M6
Attention: Privacy Officer


Online Form
To limit our use of your personal information for marketing purposes only, complete the Marketability Form.

Phone: 1-800-268-7649 and follow the Privacy telephone prompts.


Will SmartCoverage Insurance update its privacy policy?

We are always looking for ways to improve and update our web site to further enhance its effectiveness. Consequently our policies including this privacy policy will continue to evolve and SmartCoverage Insurance reserves the right to alter this privacy policy from time to time and such changes will be effective ten days following the date on which this privacy policy is revised and posted to our web sites. We encourage you to visit our Privacy page from time to time to view our most current privacy policy.

This statement is effective as of March 17, 2008.


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