At Gore Mutual Insurance Company (“Gore Mutual”), we want our customers to be completely satisfied with their insurance purchase or claims settlement, and we can proudly say that we usually accomplish this. However, should you have any concerns about your policy, your claim, or our service, the following information will provide you with your next steps towards resolving your concern.
The first step in resolving a complaint is to contact your broker. Your independent insurance broker works for you; not Gore Mutual. Your broker can speak to us on your behalf to obtain a solution which is acceptable to you or help you contact a Gore Mutual representative who can best resolve your complaint.
Concerns are solved faster when you speak directly to the person responsible for your business. First inquiries will be directed to the supervisor or manager who is in the best position to help you. If an agreement cannot be reached, your complaint will be escalated to the appropriate senior manager or director. Following this escalation, if an agreement cannot be reached within 15 days, your complaint should be escalated to our Ombudsman Liaison Officer.
If the Gore Mutual senior manager or director was unable to resolve the matter to your satisfaction, you may contact our Ombudsman Liaison Officer.
Overseeing our complaint handing process;
Ensuring your complaint is addressed;
Ensuring that you receive a letter outlining our final position if your complaint cannot be resolved;
Working with the Mutual Insurance Companies OmbudService to address any complaints that could not be resolved by us; and
Working with the Financial Consumer Agency of Canada for any complaints pertaining to loans, credit card charges and other similar transactions that could not be resolved by us.
Enter into the investigation, negotiation or settlement of an insurance claim.
Inquire into matters that are being, will be, or have been dealt with by a court or a dispute resolution process.
Ombudsman Liaison Officer Gore Mutual Insurance Company PO Box 70 252 Dundas Street N, Cambridge, ON N1R 5T3
1-800-265-8600 ext. 2496
Please submit your complaint to the Ombudsman Liaison Officer in writing. Your letter should include:
Your name, address and policy number
A phone number you can be reached during normal business hours
The nature of the dispute
A description of your expectations and what you want Gore Mutual to do
If a lawyer for the matter in dispute represents you, he or she should write to the Ombudsman Liaison Officer. Alternatively, Gore Mutual should receive written authorization from your lawyer to deal directly with you to resolve your complaint. If you are writing on behalf of someone else, Gore Mutual must receive a notarized note signed by that person stating that you are authorized to act for him or her in this matter.
If we are unable to resolve the matter to your satisfaction, our Ombudsman Liaison Officer will ensure that you receive a letter outlining Gore Mutual’s final position. Depending on the nature of your complaint and your residential location, you may then write to the Mutual Insurance Companies OmbudService, General Insurance OmbudService (if you reside in Alberta or British Columbia) or Financial Consumer Agency of Canada.
MICO assists in the resolution of conflicts between policyholders (customers, insured) and participating property and casualty mutual insurance companies. When a dispute arises between the insurer and the policyholder and the issue cannot be solved with the help of the company’s Ombudsman Liaison Officer, an independent mediator is appointed with the objective of helping both parties work towards an acceptable solution.
MICO is the insurance Ombudsman Liaison Officer you should contact if you reside anywhere in Canada except Alberta and British Columbia and if your claim is not about a loan, line of credit, credit card payment or disclosure matters.
MICO deals with complaints about claims related matters or interpretation of policy coverage. MICO does not handle matters that have not been submitted to the insurance company or that have not been yet considered by the insurer’s Ombudsman Liaison Officer; settlement procedures established by legislation; matters that have been, or are currently, before the courts; and cases that have already been dealt with by MICO.
GIO assists in the resolution of conflicts between policyholders (customers, insured) and participating insurance companies. When a dispute arises between the insurer and the policyholder and the issue cannot be solved with the help of the company’s Ombudsman Liaison Officer, a customer service officer will be assigned to assist with various alternatives including mediation and adjudication.
GIO is the insurance Ombudsman Liaison Officer you should contact if you reside in Alberta or British Columbia and if your claim is not about a loan, line of credit, credit card payment or disclosure matters.
GIO deals with complaints about claims related matters or interpretation of policy coverage, policy processing and handling. GIO does not handle matters relating to the cost of insurance and rates, availability of insurance; dispute settlement procedures as required by law or designated regulatory authorities; and matters that have been or are before the courts.
General Insurance OmbudService 10 Milner Business Court, Suite 701, Toronto, ON M1B 3C6
FCAC assists in the resolution of conflicts between policyholders (customers, insured) and federally regulated financial institutions. FCAC investigates complaints regarding possible violations of legal obligations that relate to breach of law, code of conduct or public commitment.
FCAC is the agency you should contact if your claim is about a violation of legal obligation relating to a loan, line of credit, credit card payment or disclosure matters.
FCAC does not handle complaints involving: the pricing of products; the quality of service; loan and credit granting practices; billing errors or other general service issues.
Financial Consumer Agency of Canada 427 Laurier Avenue West, 6th Floor, Ottawa, ON, K1R 1B9
Additional information may be found at the Financial Services Commission of Ontario website at www.ontarioinsurance.com.