Terms of Use and Conditions
Please read these terms and conditions carefully. By using and accessing this site, you acknowledge these terms of use and conditions and agree, without limitation or qualification, to be bound by them and by applicable laws.

Information or data contained in this website is not guaranteed to be current, accurate, or complete, and is subject to change without notice. Changes to the information, products or services described in this website may be made without updating this site to reflect such changes. Please contact us for confirmation before acting on any information or data.
This website is presented on an "as is" basis only, for your reference. Internet software or transmission problems may download and display inaccurate or incomplete information.

Use of Information
Availability of Products
Insurance products
Email disclaimer
Links to other sites
Disclaimer of liability
Compensation and Ownership/Code of Consumer Rights and Responsibilities
Principles for the Sale of Insurance – A Consumer Protection Document for Residents of Newfoundland and Labrador
Final provisions

Use of Information
The content of this website is provided for information purposes only, unless otherwise indicated, and is not intended to provide specific insurance, investment, tax, legal, or accounting advice to users, and should not be relied upon for that purpose. Users should not act or rely on the information without seeking the advice of a professional.

Availability of Products
Primmum Insurance Company products and services are available only in those jurisdictions where they may be legally offered.

The information on this site does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make an offer or solicitation.

Due to provincial legislation, our automobile insurance products and services are not available in British Columbia, Manitoba or Saskatchewan.

For any information specific to a provincial jurisdiction, users should contact their advisors.

If users choose to access the site from outside Canada, they do so on their own initiative and are responsible for compliance with applicable local, national, and international laws. Users must be aware of the laws of their countries of origin or that otherwise apply to them in relation to any of the matters described in these pages. Users may not use, export, or re-export the information or any copy or adaptation in violation of any applicable laws or regulations, including export laws and regulations of Canada in force from time to time.

Insurance Products
All insurance products are subject to limitations and conditions in the insurance policies and applicable legislation.

Email disclaimer
Email sent over the Internet is not a secure medium and privacy cannot be assured. Primmum Insurance Company cannot assume any responsibility for any injury, harm or damage you may experience or incur by sending personal or confidential information to Primmum Insurance Company over the Internet by email, or if we send such information at your request.

Links to other sites
References in this website to third parties' goods or services are not endorsements or approval of such goods or services; links to other websites are not endorsements or approvals of such sites, the third parties named therein, or their products and services, nor is any liability assumed for inaccuracies contained therein, or for incompatibility, non-suitability, viral infection, worms, trojan horses, or other destructive/disruptive components on or from such sites. You should always use appropriate anti-virus or other protective software to protect your data and equipment.

Trade-marks and Copyrights
Certain names, logos, designs, titles, words and phrases on this page or other pages of this website may constitute trade-marks, service marks or trade names of Meloche Monnex Inc. or third parties and used under licence.

Trade-marks are identified on this site at first time use with the appropriate trade-mark symbol: ® or TM. Unless otherwise specifically mentioned on a particular page or pages of this website, the symbol ® refers to registered trade-marks of Meloche Monnex Inc. used under licence and the symbol TM refers to trade-marks of Meloche Monnex Inc. used under licence.

All information in this website is protected under the copyright laws of Canada and/or other countries.
Except for the purposes of downloading the pages of this site for viewing, unauthorised downloading, re-transmission, storage in any medium, copying, redistribution, reproduction, or republication of any part of this website for any purpose is strictly prohibited. No content from this site may be posted to news groups, mail lists or electronic bulletin boards, or incorporated into any other website, nor may links be created to this website without prior written consent of PRIMMUM INSURANCE COMPANY.
The display of trade-marks, trade names, or service marks on this website does not convey or create any licence or privilege of any kind. Unauthorized use or exploitation of such marks and names is strictly prohibited.

Disclaimer of liability
Primmum Insurance Company is not responsible in any way for any damages, (direct, indirect, incidental, special, economic, consequential, exemplary or punitive) or harm suffered or incurred by anyone arising out of or in connection with:

  • The use or inability to use this website, any of its content or any Web browser;
  • Any error, negligence, interruption, omission, or delay in information, data, or quotes contained in or displayed on this website;
  • Primmum Insurance Company’s failure to take corrective measures.

Compensation and Ownership/Code of Consumer Rights and Responsibilities
As part of our ongoing commitment to helping you make informed property and casualty insurance choices, we at Primmum Insurance Company put together an insurance disclosure document on our compensation to duly licensed and fixed salaried representatives. For more information, click here. For more information on the Code of Consumer Rights and Responsibilities, click here.

Principles for the Sale of Insurance – A Consumer Protection Document for Residents of Newfoundland and Labrador
It’s important that all our clients understand their rights regarding insurance. We take pride in ensuring that your rights are protected at all times and that your insurance meets your needs and keeps you properly protected. As your insurance provider of choice, we offer you a wide range of coverage options along with various deductible levels and discounts. To ensure you have the deductible that meets your needs and that you’re benefiting from all eligible discounts, please visit us online or contact your local Client Services Centre.

Principles for the Sale of Insurance – A Consumer Protection Document
A special document developed by the Superintendent of Insurance for Newfoundland & Labrador is available for consultation. If you would like to consult the document, please click here. Its purpose is to keep you informed of your rights regarding the sale and purchase of home and auto insurance. Contact information is also available if you have any questions or concerns.

For additional information, you may also refer to:

Summary of Coverage, Deductibles and Discounts – Auto
Summary of Coverage, Deductibles and Discounts – Home
Summary of Coverage, Deductibles and Discounts – Motorcycle
The Most Frequent Questions and Answers

Final Provisions

  1. Changes to terms
    Primmum Insurance Company may modify, alter or otherwise update the Terms of Use and Conditions applicable to this website from time to time, without notice, by updating this posting. Users agree to review the Terms of Use and Conditions regularly and to be bound by their continued access and use by such Terms of Use and Conditions as are in effect at the time when they access this Primmum Insurance Company website.
  2. Changes to information
    The Information contained in this website is subject to change at any time without notice.
  3. Reservation of rights
    All rights not expressly granted in these Terms of Use and Conditions are reserved to PRIMMUM INSURANCE COMPANY. Nothing contained in these Terms of Use and Conditions shall be construed as conferring by implication, estoppels or otherwise any licence or right under any copyright, patent, trade-mark or other intellectual right of Primmum Insurance Company to any other person or entity.

The Terms of Use and Conditions of this Primmum Insurance Company legal information page are of general application and shall be read to be supplementary to, and in harmony with, any disclaimer, term, or condition of specific application (for example online quote) on a particular page or pages of this website. In case of conflict, the specific shall take precedence over the general.