Last updated: January 1, 2025
Please read these Terms and Conditions carefully before using the Smart Insurance Hub website or services. By accessing our website or purchasing an insurance policy, you agree to be bound by these terms.
By using our website or services, you confirm that you are at least 18 years of age, have the legal capacity to enter into a binding agreement, and agree to comply with these Terms and Conditions in full.
Smart Insurance Hub acts as a licensed insurance broker and/or insurer. All insurance products are subject to the terms, conditions, and exclusions outlined in the individual policy documents provided at the time of purchase. Online quotes are estimates only and are subject to underwriting approval.
You are responsible for providing accurate and complete information when applying for insurance or filing a claim. Providing false or misleading information may result in policy cancellation, claim denial, and potential legal action under Canadian law.
You agree not to:
All content on this website, including text, graphics, logos, and software, is the property of Smart Insurance Hub and is protected by applicable Canadian copyright and trademark laws.
Smart Insurance Hub shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services. Our total liability shall not exceed the amount paid by you for the relevant insurance policy.
You may cancel your insurance policy at any time by contacting us. Cancellation terms, including any applicable refunds, are outlined in our Refund Policy and your individual policy documents. We reserve the right to cancel a policy for non-payment, misrepresentation, or material change in risk.
These Terms and Conditions are governed by the laws of the Province of Ontario and the federal laws of USA applicable therein. Any disputes shall be subject to the exclusive jurisdiction of the courts of Ontario.
We reserve the right to modify these Terms and Conditions at any time. Continued use of our website or services after changes are posted constitutes your acceptance of the updated terms.
For questions about these Terms and Conditions, please contact Smart Insurance Hub at: