Consumer Resources IBC consumer resources – brochures; information about dispute resolution and how insurers use credit information; and campaigns and studies conducted by IBC – are designed to help you understand your insurance options. We represent the companies that insure your home, car and business. Glossary The language of insurance can be quite complex and confusing. Insurance professionals with whom you may come into contact should be prepared to explain these terms. If you don't understand, ask!BrochuresCurrent home, auto and business insurance topics are covered in IBC’s comprehensive consumer brochures. You can download and print a PDF or order multiple brochures by emailing email@example.com.Dispute ResolutionTo resolve an insurance dispute, contact your insurer first. If you need more assistance, contact your insurer’s ombudsperson, the General Insurance OmbudService (GIO), or a federal or provincial Superintendent of Insurance. Credit InformationThe practice of reviewing your credit score is restricted – insurers that use your credit score assess many other factors to determine your premium and most follow IBC's code of conduct. StudiesIBC studies assess the potential of severe weather and natural disasters to hurt Canadians, damage property, increase insurance premiums and potentially change how insurers assess risks.Classes of Insurance - Office of the Superintendent of Financial Institutions (OSFI) The classes of insurance, defined by OSFI, are for ease of reference; however, please refer to your primary regulator's legislation or regulations. – OSFI Useful LinksGlossaryThe language of insurance can be quite complex and confusing. Insurance professionals with whom you may come into contact should be prepared to explain these terms. If you don't understand, ask!Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions. How to Buy Insurance When driving a car, buying a home or establishing a business, insurance can give you peace of mind. Learn about the purchasing options available in your province.How Insurance WorksInsurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events.