Terms of use

Notice to all users of the French website assurances-bnc.ca and its English version nbc-insurance.ca

PLEASE CAREFULLY READ THE TERMS OF USE BELOW. By accessing the National Bank Insurance website (our "Site")[1] at nbc-insurance.ca, you agree to the terms and conditions below, which are subject to change without notice. Furthermore, you agree to consult these Terms of Use periodically and acknowledge that continuing to use the Site signifies your agreement with any changes that have been made to it.

National Bank Insurance
nbc-insurance.ca Terms of Use

For the purposes of the Site, "National Bank Insurance," "we," "us" and "our" refer collectively to:

National Bank Insurance Auto | Home (NBI AH) is a damage insurance firm owned by National Bank of Canada that distributes insurance products offered by Belair Insurance Company Inc.

National Bank Insurance Firm Inc. (NBIF), a financial services firm registered to offer insurance products for individuals and groups and financial services

National Bank Life Insurance Company (NBLIC), an insurance company offering insurance products for individuals and groups.

NBC Assistance Inc., a Canadian company providing various support services including identity, concierge and health.

Unless otherwise stipulated, when the name of an entity is used on the Site or in these Terms of Use, only that specific entity is intended.

Responsibility of the user

As a user of the Site, you agree to use it responsibly and with discretion. You agree to follow both the applicable laws in force and our security standards, which are described under Security.

Accessing and using the website

We do not warrant that the Site will be accessible at all times and without interruption, that it will meet your needs, that it will be free of delays, defects, errors, omissions, that information will not be lost during transmission, that the Site will not contain viruses or other contaminated or harmful components, or that your computer system will not be damaged as a result of using it. We shall not be held liable for any damage that may result from the inaccessibility of the website or from any difficulties that you may experience while accessing or using the Site, including: interruption of service; network failure, the malfunction of any computer hardware or software, or any faulty, incomplete, incomprehensible or deleted transmission, whether or not such difficulties have been brought to our attention.

We reserve the right to suspend at any time, without notice, full or partial access to our Site and to each of our pages accessible through certain social media sites. We additionally reserve the right to discontinue uploading information to such sites, in which case we shall not be held responsible for any damage that you may incur.

You are responsible for ensuring that you have legal access to the Site.


The content of the Site is provided for informational purposes only, unless otherwise stipulated. This content does not constitute an official version of informational documents for National Bank Insurance and may not be the most up-to-date information. This content does not constitute an offer to purchase or sell our products or services, nor does it constitute solicitation on our part or on the part of our authorized third parties. The products and services described in the information contained on our site are only available at the locations where such products or services may be legally offered. If you access the site from outside Canada, you must ensure that you comply with local, national and international laws applicable to the jurisdiction in which you are located. Our products and services are not necessarily available in each region of Canada. Our products and services which may be of interest to residents of another country are not necessarily available in that country. Our products and services comply with the laws of the jurisdiction in which they are offered. Furthermore, eligibility for these products and services is subject to the terms and conditions established for each of them. You acknowledge that all products and services appearing on the Site are subject to the conditions and restrictions set out in your insurance policy or contract and applicable legislation.

The content of the Site must not be interpreted, considered or used as advice of a technical, financial, legal, tax, commercial or accounting nature, or related to investments, insurance or another professional topic. We shall not be held responsible for any damage that you may incur as a result of relying on such content. Please contact your representative, accountant, lawyer or other advisor who can help you understand your situation and advise you accordingly. You may also contact us if you wish.

Accuracy and changes in information on our website

While we cannot warrant its accuracy, compliance or completeness, we consider the data and information on the Site that comes from other sources to be reliable when posted. Despite our best efforts, however, we cannot guarantee that the information is exact or complete, free of errors or omissions, or that it is up-to-date at all times.

The data and information available on the Site may be changed, moved or deleted without notice.


Tools and functionalities

When available, the tools and functionalities contained on the Site, such as the glossary, search tools, calculator and FAQ, may only be used for non-commercial purposes. Use of these tools to sell products or services or for a particular website is strictly prohibited.

Many of the terms and concepts appearing on the Site refer to terms and concepts that are stipulated in the insurance contracts or other types of contracts to which the Site refers. The clauses of such contracts shall always prevail over any other source of information, including information related to the scope of coverage and processing of claims. Please refer solely to the terms and conditions stipulated in your contract to ascertain your obligations and rights thereunder.

The answers appearing in the FAQ, when available, as well as those provided to those who send us questions should be used solely for informational purposes. They have no legal value and are not binding. Please consult your representative, accountant or lawyer who can assess your situation and advise you accordingly. You may also contact us if you wish.


The fact that the Site offers links to other websites does not mean that we endorse or approve the content of these sites or the products, services or publications that may appear thereon. We shall not be held responsible for any damage that you may incur when you are redirected to another website by way of a hyperlink. The content available through these hyperlinks is not subject to our policies. Linking to any other site is at your sole risk.

You are prohibited from linking a website to our Site without contacting and obtaining the express consent of National Bank Insurance.


With the exception of software that is expressly identified as belonging to us, any software that can be downloaded from the Site is provided by a third party in accordance with the terms and conditions of a licence or other type of arrangement between said third party and the software users. We shall not sell, resell, license or sublicense the software, or be held liable in any way for said software. For questions, complaints or claims regarding said software, you must contact the appropriate software distributor. In the event of a discrepancy between these Terms of Use and those set out in a licence contract with a software distributor, the terms herein shall prevail.

Precautions to be taken before downloading and installing software

If you choose to access a software program through one of the links offered on the Site, you are responsible for taking the necessary precautions to detect and destroy possible viruses and for ensuring that the software is compatible with your computer. You must also ensure that you have up-to-date backup copies of the entire contents of your hard drive before installing software downloaded from the Site. You are solely responsible for saving any data and protecting any hardware used in relation to any software downloaded from the Site.


Electronic solutions

When you use our electronic solutions, you are responsible for ensuring that all user names, passwords, and personal identification questions used on the Site are protected. We shall not be held responsible for any damage that you may incur as a result of the unauthorized or illegal use of the user name(s), password(s), or personal identification question(s), or your failure to ensure the secure and confidential nature of transactions.

You assume full responsibility for the use of your password with or without your consent. We are not required to confirm a user's identity or access rights if the user entered the right user name and password. You must contact us immediately if someone other than you becomes aware of your user name or password. In such an event, we will block access to your personal file until you have obtained a new user name and password.

When using our mobile solutions, you may not have access to all of the features, functions, content or information related to our products and services, and they may not be accessible outside Canada. Any fees charged by your service provider for the use of our mobile solutions are your sole responsibility. We may use cookies and other information-gathering technologies to collect information on your online activity in order to evaluate the effectiveness of our online promotions and to collect data on the functioning of the Site in order to enhance our understanding of your needs and interests, offer you a personalized online experience, and provide you with information on our products and services that may be of interest to you. We may make software available for you to download that will enable you to use our mobile solutions. We reserve at all times our intellectual property rights to this software and you may not copy such software in whole or in part, or make it accessible to third parties. Please consult the Security section for more information on this topic.

Social media

National Bank Insurance has a presence on Facebook, Google+, YouTube and LinkedIn. Before consulting or using our pages on social media, you must read and comply with their respective terms of use.

Confidentiality and security

We comply with the applicable legislation governing the protection of personal information. In addition, we use the latest encryption techniques to guarantee the confidentiality of the information exchanged with you through our electronic and mobile solutions. We cannot, however, protect information exchanged when the Site is accessed through a non-secure platform or in a public location, which could compromise the confidentiality of your personal information. We shall not be held responsible for any damage caused to you under such circumstances. Please consult the Security section for more information on this topic.

Internet use and email communications are neither secure nor confidential. They can be lost or intercepted, in much the same way as other methods of communication (i.e., regular mail). You assume the risks associated with said Internet use and email communications. You alone are responsible for ensuring the protection and safekeeping of your data and computer platforms and devices.


Disclosure of use

We use Google's "remarketing" or "similar audiences" feature to present customized messages to visitors to our Site and its subdomains.

Remarketing allows targeted messages to be displayed to visitors for 30 days following a visit to our Site and its subdomains. These messages are displayed on banners (Displays) and in keyword advertising (AdWords) on sites throughout the Google network. We use DoubleClick cookies for remarketing. When visitors browse our Site's pages and sections where a tag has been inserted, their cookie ID is added to a list based on interest categories.

You can deactivate the use of remarketing at any time by deleting your cookies or by clicking here. You can also change your remarketing preferences by visiting the Ad Preferences page. By using Google's remarketing service, we adhere to the Google Privacy Policy.

For more information about cookies, click here.

Some pages on the Site may include content or functionalities provided by third parties, such as embedded videos or "Share" buttons. As of January 19, 2016, the Site contained the following third-party content:



These service providers may use measurement and customization tools (e.g., cookies) that are combined with the functionalities they offer. We recommend that you read the confidentiality policies of these third parties. We shall not be held liable for changes to the policies or techniques used by said third parties.

Intellectual property

The content of the Site is the property of National Bank Insurance and is protected by Canadian and foreign copyright laws.

Material on the Site, including but not limited to text, images, illustrations, software, audio and video clips, and tools (collectively, "material") is owned or otherwise provided by us, and we do not represent or warrant that such material does not infringe the rights of any other person or entity.

Certain names, graphics, logos, icons, drawings, words, titles or phrases (collectively, "marks") used on the Site may constitute trademarks or trade names that belong to us, belong to National Bank of Canada and are being used by us with its authorization, belong to a third party and are being used by us with its authorization, or are being used by an authorized third party. Certain trademarks are registered in Canada and/or other countries. However, use of these marks on the Site does not necessarily mean that a licence of any kind has been granted. The ® and TM symbols designate registered trademarks and other trademarks, respectively.  Other trademarks that belong to other holders may be designated by different symbols, such as ‡.

The content appearing on the Site may be used for your personal use and non-commercial purposes, provided that you ensure that it is not modified, you indicate the source and you reference the intellectual property rights assigned to it. The material and marks appearing on the Site may not be copied, reproduced, republished, downloaded, posted, framed, transmitted, distributed or modified, in whole or in part, whether in text, graphic, audio, video or executable form, without the express consent of NBI AH, NBIF, NBLIC or NBCA to use the material or marks in question. You must contact us and request such consent before copying, reproducing, republishing, downloading, posting, framing, transmitting, distributing or modifying, in whole or in part, such content. The use, reproduction or distribution of information or data from the Site is prohibited, except where stipulated herein. All other access to the Site or use, reproduction or distribution of information or data obtained via the Site is prohibited.

Liability for computer system

You will at all times remain liable for any damage caused to your computer system as a result of (i) the connection, configuration, or compatibility of the various components of your computer system, (ii) the use of any material from any website, (iii) access to any website, or (iv) the downloading of data, software and viruses.


Limitation of liability

In general and without limiting the specific cases of limitation of liability indicated above, and notwithstanding any provisions to the contrary, we, National Bank Insurance, our directors, employees and officers shall not be held liable for any damage that may result from or relate to the Site and/or its content. In particular, and without limiting the generality of the foregoing, we shall not be held liable for issues of access, use, accuracy of content, or the loss of data or information, whether or not we have been informed of the possibility of such issues.


You undertake to take up the defense of, and indemnify and hold us, as well as our directors, officers and employees, harmless against all third-party claims, proceedings and damages whatsoever (including reasonable legal and expert fees) arising from your failure to comply with the terms and conditions hereof, or an act or omission or your negligence resulting from use of the Internet or access to any website, including our Site, by you or any other person to whom you have provided access to your computer system and who is using it on your behalf.

Survival of obligations

These Terms of Use apply while you are accessing the Site and remain in effect thereafter.

Modifications to Terms of Use

We may modify, alter or otherwise update Terms of Use applicable to the Site from time to time, without notice, and you agree to be bound by the terms and conditions that are in effect at the time that you access the Site. You undertake to review the Terms of Use each time you access and use the Site and to be bound by such Terms of Use as are in effect at that time. Your access and use of our Site constitutes irrefutable proof of your consent to be bound by these Terms of Use.

Applicable legislation

The Site will be governed by, and construed in accordance with, the laws of Canada, with the exclusion of its principles of conflicts of laws. Any litigation, dispute or claim arising from or related to the use of the Site shall be subject to the jurisdiction of the courts of Quebec and you hereby agree to attorn to the exclusive jurisdiction of the courts of Quebec in this respect.

National Bank Insurance Auto | Home
Car insurance quoting engines terms of use

This tool is only intended for new National Bank Insurance Auto | Home, a damage insurance firm owned by National Bank of Canada that distributes only insurance products offered by Belair Insurance Company Inc.

Use of personal information

Your personal information will be collected and used to provide you with a car insurance estimate and for the purpose of creating a profile in your name. For more details, please see our Privacy Promise.


Cookies are small data files sent to the Internet browser when a user visits an Internet site. Cookies record information on the visitors or on the pages visited.

Belair Insurance Company Inc. uses cookies for your convenience in order to facilitate your future visits. They do not contain or transmit any personal information.

To access our tool, you must allow our server to save a cookie on your device. When you leave the tool, this file will be deleted automatically. If you deactivate this option on your Internet browser, you will be unable to obtain a quote or to purchase an insurance policy via Internet.

Also, Belair Insurance Company Inc. has retained the services of a specialized firm to help us evaluate the effectiveness of our advertising and to determine the behavior of visitors on our tool. To this end, Belair Insurance Company Inc. uses Internet tags and cookies provided by this firm and added to the web pages. We gather only information pertaining to your behavior on our tool, for example which pages you visit; no personal information is gathered.

Credit score verification

This verification will not affect your credit score and will be used to determine payment options. If you become a client, this information will be updated periodically and used to determine your potential savings.

Detailed quote specific terms of use

This site offers a secure way of obtaining a car insurance quote and may offer you a secure way of purchasing a car insurance policy online. To allow us to process your request or to issue your policy, you must declare all known facts which are likely to materially influence us in the setting of the premium, the appraisal of the risk or the decision to provide coverage. In addition, you must provide information concerning your mode of payment (credit card or preauthorized debits), where applicable. The information provided to us must be correct; otherwise it is possible that you will be unable to obtain an insurance quote or to purchase an insurance policy online. Additional information may be required by our certified insurance agents over the phone in order to process or review your request.

In the event where you provide personal information regarding a third party, you confirm that such third party has authorized you to disclose such personal information to us.

You also agree that clicking on certain buttons stating “yes”, “next”, “confirm”, “continue” and any other similar descriptions, will constitute your signature and confirm your intention to purchase an insurance policy online once you have received an acceptable quote. You agree to be bound by these terms of use and to pay the premiums and any applicable taxes.

Please note that any quote or premium provided through the site is not guaranteed and may be reviewed with you over the phone by one of our certified insurance agents.

Express quote specific terms of use

The initial price provided is not a guaranteed amount: it is conditional to your qualification under Belair Insurance Company Inc.’s underwriting standards and it is based on the information you have provided as well as certain assumptions and preselected values used for the purpose of providing a time-efficient quote. These can be modified to reflect your situation more accurately and to provide you with a more accurate quote.

A certain number of factors are not taken into consideration by this tool to determine the accuracy of your premium or your qualification under Belair Insurance Company Inc.’s underwriting standards. As a result, additional information will be required from you over the phone by National Bank Insurance Auto | Home’s certified insurance agents. This may lead to variances in your coverage or an adjustment in your premium.

In certain circumstances, and notwithstanding the fact that you are provided with a price by the tool, we may not be able to insure you (in whole or in part) or your premium may be adjusted. For example, if:

  • You use your vehicle outside of Quebec for more than 3 consecutive weeks at a time;
  • You have a learner’s permit or a driving license from another province or country;
  • Your insurance was previously cancelled;
  • You live in an area for which we do not provide coverage;
  • You use your vehicle for commercial purposes or to transport goods/materials;
  • Modifications have been made to your vehicle and they exceed $5,000 or enhance your vehicle’s performance;
  • In the last 3 years, you or any drivers listed on your contract or any people living with you had a driver's license suspended or revoked;
  • You or any other people living in your household have a criminal record.

Questions relating to these and other scenarios will be asked by National Bank Insurance Auto | Home’s certified insurance agents to confirm we can insure you according to our underwriting rules and to assess the insurance risk, as the case may be.

Coverage, limits and deductibles

For your convenience, coverage, limits and deductibles have been preselected. These preselected options may not suit your needs. If you would like to change these options, they can be customized over the phone with a National Bank Insurance Auto | Home certified insurance agent. Changing your coverage, limits or deductibles may affect your premium. The basic coverage summary that appears on the tool is provided to you for informational purposes only. Your insurance contract prevails at all times; please consult it for a complete description of coverage and exclusions.

To proceed with your quote

To proceed with your quote, you must contact one of National Bank Insurance Auto | Home’s certified insurance agents at the telephone number shown. Further information will be required and your premium may be adjusted. The premium quoted by the agent will supersede the premium provided online. Conditions apply to the monthly payment option shown.

These Terms of Use may be changed at any time without notice.



[1]  National Bank Insurance is a trademark of National Bank of Canada used under licence by National Bank General Insurance inc., National Bank Insurance Firm inc., National Bank Life Insurance Company and NBC Assistance inc.