Your privacy and security

We follow generally accepted industry standards to protect the personal information submitted to us, both during transmission and once we receive it and use world-class encryption to protect your data. However, no method of transmission over the Internet, or method of electronic storage, is 100% secure. Therefore, while we strive to use commercially acceptable means to protect your personal information, we cannot guarantee its absolute security.

If you have any questions about security on our website or mobile apps, you can send us an email at [email protected]

Technologies such as: cookies, beacons, tags and scripts are used by COVER and our marketing partners, affiliates, or analytics or service providers. These technologies are used in analyzing trends, administering the site, tracking users' movements around the site and to gather demographic information about our user base as a whole. We may receive reports based on the use of these technologies by these companies on an individual as well as aggregated basis.

We use cookies to remember users' settings (e.g. language preference). Users can control the use of cookies at the individual browser level. If you reject cookies, you may still use our site, but your ability to use some features or areas of our site may be limited.

As is true of most Web sites, we and our third party tracking-utility partner to gather certain information automatically and store it in log files. This information includes internet protocol (IP) addresses, browser type, internet service provider (ISP), referring/exit pages, operating system, date/time stamp, and clickstream data.

We use this information, which does not identify individual users, to analyze trends, to administer the site, to track users' movements around the site and to gather demographic information about our user base as a whole.

Third parties with whom we partner to provide certain features on our site or to display advertising based upon your Web browsing activity use LSOs such as HTML 5 to collect and store information.

We partner with a third party ad network to manage our advertising on other sites as well as within our site. Our ad network partner uses cookies to collect non-personal information about your activities on this and other Web sites to provide you targeted advertising based upon your interests and your actions on our site. We do not have access or control over these cookies. If you wish to not have this information used to serve you targeted ads, you may opt-out of being served targeted ads by clicking here. Please note this does not opt you out of being served advertising. You will continue to receive generic ads. Please note that you have the option to set your browser to decline our cookies. If you choose not to receive cookies from COVER, you may not be able to use all the services available on the site. These cookies are not tied to your personal information.

We gather and store data about online usage on a collective rather than individual basis. For example, like most websites, we gather aggregate information about the number of visitors that visit our website and the pages that they view, NOT what pages were viewed by each individual. We use this information to anticipate bottlenecks, to gauge the capacity of our servers, and to improve the overall management of our website.

We also use Commission Junction to track visitors coming from our affiliate sites. This pixel tracking information helps determine the payments we are obliged to make to our affiliates for the traffic they send to us. We also use a third party tracking-utility company which uses pixel tracking to help us better manage content on our site by informing us what content is effective

Please note that our online usage and affiliate tracking systems do not gather or store personal information.

In some provinces, COVER offers visitors the option of personalized quotes and gathers personal information as part of this process. Depending on the province, this may include obtaining your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you enter will be used to provide you with a personalized offer and to determine the payment options that will be available to you.

Also, from time to time, COVER requests and collects personal information from visitors via surveys, contests, "Tell-a-friend" and Renewal Reminder services. Participation is completely voluntary (opt-in). Information requested has included your email address and that of the friend you are referring.

Finally, you can log in to our site using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

Additionally, COVER uses Plaid Inc. (“Plaid”) to gather visitors data from financial institutions. By using our service, you grant COVER and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the Plaid Privacy Policy

Our mobile app may collect driving data for users that opt in to our test drive program. This may include using activity and background location permissions to track driving behavior, driving locations, and individual trips one has taken.

At various points on the COVER website and when visitors contact COVER, visitors may be asked if they consent to sharing their personal information with our affiliates and/or 3rd parties, only in the ways that are described in this privacy policy. If they agree, COVER provides one or more affiliates and/or 3rd parties with their personal information for the purposes of either preparing or validating an insurance quote or providing marketing services as explicitly requested by the visitor.

By submitting your question, comment or suggestion online the information you provide becomes the property of COVER. Where necessary, we may share the information you provide in your email with 3rd parties in order to address your question, comments or concerns. The content of your email may be used for any purpose and COVER is free to use any idea contained in it for any purpose whatsoever, including, but not limited to, developing, manufacturing and marketing products using such information.

Information about our current, former, or potential customers may be disclosed, but only as permitted or required by law, or as permitted or directed by the customer or consumer. For example, we may disclose such information to affiliated and nonaffiliated insurance companies, insurance agents, reinsurance companies, insurance support organizations, such as consumer reporting agencies, government entities, and claims administrators. We may also disclose such information to nonaffiliated third parties that perform services or functions on our behalf including the marketing of our products or services. Further, we may also disclose such information as necessary to effect, administer or enforce a transaction that you request or authorize, or in connection with servicing or processing a transaction that you request or authorize.

The following are examples of situations in which we may disclose such information:

• Your information may be passed between us and our agents, appraisers, attorneys, investigators, and others who may be involved in the sales and marketing of Cover products and services, processing of applications, and servicing of policies or claims.
• If you request a quote, your information may be shared with an affiliated insurance agent and third party insurance companies in order to provide you with the requested quotes.
• We provide your policy information to adjusters and other appropriate business entities that make any necessary repairs to your vehicle or property insured by us when you have a claim.
• We may provide your information to others whom we determine need such information to perform insurance or other professional functions for us. These may include parties helping us with administrative services and consumer reporting agencies.
• We may supply information as required by search warrant, subpoena, or legal process, to state insurance departments, or other law enforcement or government authorities when required by law, or to protect our own legal interests in the event of suspected illegal or fraudulent activities.
• If we collect your information as an agent for one of our business partners, we may use it to contact you or make you an offer regarding insurance products that may be of interest to you. However, we will not share nonpublic personal information with third party companies for marketing purposes without your consent.

If you choose to use our referral service to tell a friend about our site, we will ask you for your friend's name and email address. We will automatically send your friend a one-time email inviting him or her to visit the site. COVER does not store this information. COVER uses this information for the sole purpose of sending this one-time email and tracking the success of our referral program.

Our surveys are used to identify consumer or improve visitor satisfaction with our site. The 'Tell-a-friend' service sends an email to a friend informing him/her about our site. With our Renewal Reminder service, visitors can elect to have an email reminder sent to them a month before their insurance policy expires.

We will use the email address you provide us to send you copies of the quotes you have requested to obtain a copy for your records.

If you apply online for Coverage or purchase a policy online through COVER, additional information is needed to process your request. This information may include your first and last name, email address, and dwelling address; your telephone number, driver's licence number, vehicle identification number (if purchasing auto insurance), your current insurance company, employer name and credit card number or bank account information. We may also need to obtain your credit score from a credit reporting agency, or require you to provide details regarding your credit history. This information, along with the other details you have provided will only be used to fulfill services you specifically request. They will not be used for any other reason.

We forward this information to the insurance company who will be reviewing your application or underwriting your policy. If you agree to purchase a policy from the insurance company, it may use your personal information for the purpose of fulfilling the requested insurance transaction and for future contact in accordance with the terms and conditions of its own privacy policy.

Some of our content is served on other pages using framing techniques to serve and provide our content and services on our partner's sites while preserving the look and feel of their site. Please be aware that you are providing your personal information to COVER for the services you are requesting and the use of your personal information is governed by this privacy policy.

Our select partners may also offer you the opportunity to opt-in to receiving information regarding their products and services. If you choose to receive these communications the information you provide is governed by their privacy policy.

In some cases, we use third parties to provide the online quotes you receive on our site or to assist us in advertising our services to you. With respect to the quotes you get, the only information shared with the third party is the information required to provide you with an accurate quote. Depending on the type of quote you are seeking, this information may be comprised of one or more of the following: your age, gender, marital status, smoking status, driving, and insurance history. This information is only shared as necessary for the third party to provide you with an accurate quote.

These third parties are prohibited from using your personal information for any other purpose.

We post customer testimonials on our web site which may contain personal information. We do obtain the customer's consent via email prior to posting the testimonial to post their name along with their testimonial.

You can change, update or delete your username (email address) and password through our mobile applications or emailing [email protected].

We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

Your password is your private, secret entry code to your account information at COVER. It is required when you first log in to view or to modify your saved information. Your password keeps your account information private and secure and you can change it as many times as you like.

COVER contains links to other websites. For example, you may find links to the suppliers featured in our comparison service or links to our affiliated brokerages. We do not exchange any information with these third-party sites if you click on them. If you do decide to click on one of these links, we encourage you to read the privacy statements of these linked sites as their policies may differ from ours.

We provide you the opportunity to 'opt-out' of having your personal information used for certain purposes. For example, in some provinces we may ask your permission to obtain your credit score from a credit reporting agency, or ask you to provide details regarding your credit history. This information, along with the other details you enter will be used to provide you with a personalized offer and to determine the payment options that will be available to you. You can opt to not provide us with this permission and still get quotes.

Another example in how you can opt out involves our newsletter or renewal reminder service. If you sign up for these optional services we automatically send you a confirmation email specifying the services you requested. From these confirmation emails, you can opt-out of both of these services at any time by replying and indicating your preference to be removed from our lists. You can also opt-out by emailing us at [email protected], following the unsubscribe instructions in the email communications you receive.

You will be notified when your personal information is collected by any third party that is not our one of our service providers, so you can make an informed choice as to whether or not to share your information with that party.

Our Web site offers publicly accessible blogs or review/community forums. You should be aware that any information you provide in these areas may be read, collected, and used by others who access them. To request removal of your personal information from our blog or community forum, contact us through our online form. In some cases, we may not be able to remove your personal information, in which case we will let you know if we are unable to do so and why.

Our Web site includes Social Media Features, such as the Facebook Like button and Widgets, such as the Share this button or interactive mini-programs that run on our site. These Features may collect your IP address, which page you are visiting on our site, and may set a cookie to enable the Feature to function properly. Social Media Features and Widgets are either hosted by a third party or hosted directly on our Site. Your interactions with these Features are governed by the privacy policy of the company providing it.

You can log in to our site and mobile apps using sign-in services such as Facebook Connect or an Open ID provider. These services will authenticate your identity and provide you the option to share certain personal information with us such as your name and email address to pre-populate our sign up form. Services like Facebook Connect give you the option to post information about your activities on this Web site to your profile page to share with others within your network.

We may obtain information about you from third parties when you provide us with your driver's licence such as name and date of birth. We use this information in order to make it easier for you to use our site and services.

If we decide to change our privacy policy, we will post those changes to this privacy statement, the homepage, and other places we deem appropriate so that you are aware of what information we collect, how we use it, and under what circumstances, if any, we disclose it. We reserve the right to modify this privacy statement at any time, so please review it frequently. If we make material changes to this policy, we will notify you here, by email or by means of a notice on our homepage prior to the change becoming effective.

We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.

We reserve the right to disclose your personal information as required by law and when we believe that disclosure is necessary to protect our rights and/or comply with a judicial proceeding, court order, or legal process served on our website.

We are committed to providing excellent service to you. However, if you have a concern or complaint, please contact us, because we are also committed to working with you to achieve a resolution and following through to a successful conclusion as quickly as possible. In most cases, complaints are resolved simply by discussing it with us. You should be able to get swift results by emailing us at [email protected].