Basically just what Macker has pointed out, it is a short rate cancellation or penalty for opting out of a contract mid term. Standard process, it is not just one particular company trying to screw the customer around.
Not sure about the "protected driveway", I don't know much on how it runs in Alberta but in other provinces the insurance companies have rating territories (usually determined by postal code) and statistics are drawn from each territory or district. It factors into the premiums charged (just one segment, there are other factors such as vehicle details).
Last edited by Finny61; 02-12-2011 at 09:17 PM.
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