Information & Ethics committee  We're working with our members to ensure that they are current. An example of something we're working on is electronic proof of auto insurance. You'd think it would be fairly simple. Rather than having to show your pink card to law enforcement—

Information & Ethics committee  —you could perhaps show your cellphone, like a boarding pass when you go to the airport. That has prompted considerable discussion with some of the provincial governments and some of the provincial privacy commissioners. The federal commissioner has not become involved yet. It l

Information & Ethics committee  Yes, I do. I think we have a very good culture. I think we have strong practices in place. I've said before, and I'll say it again: insurers appreciate and understand the need for protecting the information of their customers. I think we have a very good track record in that rega

Information & Ethics committee  The ombudsmen we were referring to are those at individual companies. We don't have records for those complaints. I'm sorry that we can't provide any information about that.

Information & Ethics committee  That's correct.

Information & Ethics committee  Actually, it's required under the provincial insurance acts. Not in all provinces, but I know that in Ontario there is a requirement for companies to have an ombudsman, with responsibility for handling customer or consumer complaints. We don't have any knowledge of the number of

Information & Ethics committee  I believe that we would hear about it, because we do have a good working relationship with the provincial superintendents. At the end of the day, if there is a complaint that cannot be resolved or is not resolved with the insurer, the consumer will go to the superintendent's of

Information & Ethics committee  In Ontario, that is FSCO. We would hear back that something was not being handled properly and that FSCO was going to do something about it.

Information & Ethics committee  We haven't had a meeting with the OPC in a year or so. We used to have annual meetings with them, and we got updates. My understanding is that there are not very many complaints made to the OPC, or to the Alberta or B.C. privacy commissioners. I think we have a pretty good track

Information & Ethics committee  We attribute it to the fact that, I think, our industry does a very good job, as was mentioned earlier, I believe, by Mr. Zinatelli of CLHIA. Insurers have long known the importance of protecting the privacy and personal information of their customers. In the meetings we had wit

Information & Ethics committee  Thank you very much for the question. I think our industry is actually being proactive and innovative. An example is usage-based insurance, which is something that has been sold in a number of other countries. Now, we are finding that just as P and C insurers are regulated at