canada insurance british-columbia
Am I obligated to pay prorated insurance premium if broker renewed without my agreement?
<p>My home insurance broker sent us a renewal email over a month late. I told them we were not interested, and were changing providers.</p>
<p>They want payment for the time between our previous policy with them expiring and the official cancellation.</p>
<p>I can find no mention of auto renewal in our previous policies. Additionally, the provider, coverage and premiums were all changed without our knowledge.</p>
<p>I am in BC, Canada. Am I obligated to pay them?</p>

<blockquote>
<p>Am I obligated to pay prorated insurance premium if broker renewed without my agreement?</p>
</blockquote>
<p>No, since you did not agree to auto-renewals either. The broker's unilateral change of the terms and conditions further violates the contract law tenet of the <a href="https://en.wikipedia.org/wiki/Meeting_of_the_minds" rel="nofollow noreferrer">meeting of the minds</a>.</p>
<p>Even in the unlikely event that BC statutes allow auto-renewals, from the standpoint of consumer protection it seems that the underwriter/broker would still have some obligation to inform the client about them, including the required steps in order to prevent their policy[-ies] from renewing automatically.</p>
