Industry committee  I'm glad as well, Mr. Chair. Thank you. My name is Randy Bundus, and I am senior vice-president, legal and general counsel, with lnsurance Bureau of Canada. I am joined by my colleagues Maddy Murariu, with IBC government relations, and Rick Dubin, with IBC's investigative servic

Industry committee  I'm going to ask my colleague Mr. Dubin to address that question.

Industry committee  Our opinion on that is unchanged from our previous testimony. The reason is that harmonization is critically important for our industry. Our members operate across the country, and if they were to have to take separate approaches for different parts of the country, it would make

Industry committee  That is the critical word, finding the right balance. Insurers will respect the privacy of their customers; they have to. They compete with each other. Once a breach happens, once they are known to be abusive of information, customers will no longer go there. In addition, the i

Industry committee  I'd like to highlight four of them. It's not that we would say, “Stop the bill and make these happen”, but in our mind, they would make for a better bill. For example, in paragraph 7(1)(b), which is collect without consent in certain circumstances, we would also like to have a r

Industry committee  I would suggest that insurers will comply with the privacy law as they do their data mining. I'm not sure, really, how to answer that question, to be honest with you.

Industry committee  I'll give it a try. It's very difficult for any particular government to control the Internet. There is always a risk that rules you make here just drive the wrongdoers outside the country—not that you should make the rules for here, but they will just move away. You need coope

Industry committee  We have an agreement among insurers that they will conduct themselves according to certain ethics. That's set out in a claims agreement among themselves. As my colleague Mr. Dubin said, because insurers are subject to bad faith claims, if they act inappropriately in handling a cl

Industry committee  Yes: specifically with regard to a code of conduct, apart from what's in the claims agreement, no, we do not have one in our industry.

Industry committee  We would support it going ahead as well, as it achieves better balance than what we had before. We've learned, over the past number of years, of the weaknesses of the existing legislation, and this bill addresses a number of them. In five years we'll look at this again and maybe

Industry committee  The Insurance Corporation of British Columbia, as a government-owned insurer, is not one of our members. We have privately owned insurers as our members.

Industry committee  The Spencer decision, which relates to the ability of the police to request information of the service provider—the Internet service provider, if I recollect the facts properly—doesn't really have a big impact on our industry. However, we do require as an industry that, when the

Industry committee  With regard to what's meant by a reasonable expectation of privacy, we have to balance privacy rights against the fact that there's fraud out there, so what is reasonable has to be determined in that context.

Information & Ethics committee  Thank you, Mr. Chair. My name is Randy Bundus, and I am senior vice-president, legal and general counsel with the Insurance Bureau of Canada. I am joined by my colleague Steven Lingard, who is IBC's director, legal services, and chief privacy officer. We are pleased to represen

Information & Ethics committee  I'd like to build on the “right to be forgotten” concept. We have to deal with that very carefully going into the future so that it does not result in unintended consequences. I have concerns on two fronts. Insurance fraud is a big issue in our industry. It's a concern. If so