Check out the insurance industry's Code of Consumer Rights and Responsibilities

<From the Insurance Bureau of Canada website,  www.ibc.ca>

The code summarizes core rights that consumers enjoy when purchasing home,car or business insurance.  These include the right to clear information about coverage and the claims settlement process, and the right to information about how an insurance sales representative is being paid.

But consumers have responsibilities, too. For example, an informed consumer will be aware of his/her key duty to share pertinent and timely facts about his/her car and property with an insurer. Insurance is a contract, and the insurer and the consumer share a responsibility to act in good faith at all times in their dealings with each other.

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