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Legal Notice

Please read the following terms and conditions carefully. Your access to and use of this website ( constitutes acceptance of these terms and conditions.

The CUMIS Group of Companies

References to "CUMIS" or "The CUMIS Group of Companies" means The CUMIS Group Limited and any of its related, affiliated and subsidiary corporations and entities including without limitation, CUMIS Life Insurance Company and CUMIS General Insurance Company. In this document “you” and “your” refer to person(s) using the information and tools on this website. By using this website you accept the terms of use detailed below. If you do not agree, please exit this site immediately. The CUMIS Group Limited (“CUMIS”) currently does not collect any data input into this site, with the exception of information required to contact you, as provided by you, if you request a referral, or feedback from CUMIS. The information collected in each field of the online tools is for calculation purposes only. Personal information is not collected, used or disclosed in any manner, except for the purposes of the calculations on this site. You have the option of directing the results of your calculations on to an advisor, at your sole discretion. All information practices shall comply with applicable federal and provincial laws. CUMIS respects the private and confidential nature of your personal information. However, the Internet is not a secure medium, so we do not nor can we guarantee the privacy of any information you place on the site or transmit to us electronically. While CUMIS will handle your information with due care, we will not assume any responsibility for damages you may suffer as a result of the loss of confidentiality of your information on the site or transmitted to CUMIS.

Copyright and Trademarks

The information on this website is protected by copyright. Users of the website are not authorized to redistribute, reproduce, republish, store in any medium, re-transmit, modify or make public for commercial use of the information without the written authorization of CUMIS. Unless otherwise noted, the graphic images, buttons, layout and text contained on this website are the exclusive property of CUMIS, and may not be copied or distributed, in whole or in part, without the prior written consent of CUMIS. Users of this website shall be entitled to copy any information and to display and use such information for their own personal use, but may not republish or reproduce any such information in any manner, including electronic reproduction by uploading or downloading for commercial or other uses without the prior written consent of CUMIS. Republishing and reproducing includes any uploading, downloading or accessing the information contained on this site onto the Internet or any other local or international computer system. An acknowledgment of the source must be included whenever our materials are permitted by us to be copied or published. Other than as authorized herein, no one has permission to copy, redistribute, reproduce or republish, in any form, any information found on the pages of this website. CUMIS and our affiliated companies disclaim any and all liability, which may result from any unauthorized reproduction or use of the information on this website. CUMIS and its related companies own all trademarks used on or in connection with this website and are protected by applicable Canadian trademark laws. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks or other contents of this website may be a violation of statutory or common law rights which could subject the violator to legal action. The display of logos on pages of the website does not imply that a license of any kind has been granted to anyone else. Any unauthorized downloading, re-transmission or other copying or modification of logos and/or the content of the website may be a violation of any federal or other law that may apply to logos and or copyrights and could subject the copier to legal action. CUMIS prohibits the use of the logos and registered names as hyperlinks to any other websites without written authorization. All rights reserved.

Specific Attributions

The symbols ® and TM designate Canadian registered trademark and unregistered trademark status respectively.
  • CLICTM and the CLICTM design are trademarks of CUMIS Life Insurance Company and are used under license.
  • CUISTM and the CUISTM design are trademarks of Credit Union Central of Canada and are used under license.
  • CUMIS® is a trademark of CUMIS Insurance Society, Inc. and is used under license.
  • The Co-operators® is a trademark of The Co-operators Group Limited.

Information Accuracy

Online tools and interactive calculators are made available to you for informational purposes only and are NOT intended to provide financial, legal, accounting or tax advice, and should NOT be relied upon in that regard. Although we believe the calculators to be accurate and complete, CUMIS makes no warranty, nor accepts any liability related to their use. While these calculators are helpful tools, CUMIS does not intend, nor should you regard the results of your usage as financial, legal, tax or accounting advice, or advice regarding the suitability or profitability of any product or investment, or any decision in respect thereof. No reliance may be placed on us for any such advice and we encourage you to seek personalized advice from qualified professionals. The information contained in this notice and on this website is subject to change and update at any time without prior notice.


CUMIS does not warrant that the website will be available or that it will meet your requirements, nor does it warrant that access will not be interrupted, that there will be no delays, failures, errors or omissions, or loss of transmitted information, that no viruses or other contaminating or destructive properties will be transmitted, or that no damage will occur to your computer system. CUMIS assumes no liability for loss or damages that may result from the unavailability of this website.


The definitions provided have no contractual value and may differ from the definitions within a contract. A person must refer solely to the terms and conditions of the applicable agreement governing it to establish its rights and obligations there under. Calculations or projected results are provided for illustration only and are not guaranteed to be accurate or complete, being based on hypotheses. The default values are provided for illustrative purposes only and solely as a reference.

Product Information

Products and services of CUMIS are only offered in jurisdictions where they may be lawfully offered for sale. Any insurance coverage made available is either underwritten by The CUMIS Group of Companies or by third party insurance companies, which have networking agreements with CUMIS. Not all products and services are available in all geographical regions. All products and services are subject to the terms of the applicable agreements that apply thereto. The information on this website does not constitute an offer or solicitation by anyone in any jurisdiction in which an offer or solicitation cannot legally be made, or to any person to whom it is unlawful to make a solicitation.

Electronic Communication


    CUMIS and its representatives are committed to respecting the privacy of your personal information. However, it must be understood that the Internet is not a secure medium of communication and that privacy cannot be assured. Since we cannot guarantee the privacy of any information that you input to this website that is sent over the Internet, we will not be responsible for any damages that you or others may suffer as a result of the loss of confidentiality of any such personal information during transmission, or in our communicating such personal information to you at your request.

    Data Protection

    CUMIS reserves the right (but does not accept an obligation) to monitor any transmissions made to or from this website.

    Software Quality

    Although CUMIS is committed to provide information, software or other material accessible through this Website that we believe is free of viruses, worms, Trojan horses or other harmful or destructive software component, we cannot guarantee this. Accordingly, we recommend that any material that you are authorized to upload, download or access from this Website through the Internet to your or any other local or international computer system be first passed through a commercial virus detection software program.


    Links to other websites or references to products, services or publications are provided only for your convenience, and do not imply the endorsement or approval of such websites, products, services or publications by CUMIS. We cannot vouch for the currency, accuracy, completeness or authenticity of any website content or functionality, or of any such references. Linking to any other site shall be at your sole risk, and CUMIS will not be responsible or liable for any damages in connection with any such linking. Links to downloadable software sites are provided for your convenience only and CUMIS is not responsible for or liable for any damages, difficulties or consequences associated with downloading any software. Use of any downloaded software is governed by the terms of the subject site’s software licensing agreement.

Governing Law

The laws of the province of Ontario govern CUMIS, this website and all content (excluding linked websites or linked content). Your use of this website indicates your agreement to be subject to the laws of Ontario in relation to all elements of your usage of this website.

Home and Auto Estimate

This is an estimate only, it is neither an acceptance of insurance nor a guarantee of insurability. It is based on the information you have provided and does not include any applicable taxes. For your convenience, we have preselected the coverages, limits, and deductibles most often chosen by our clients. You can customize your coverage to better suit your needs and budget.
Further information will be necessary to provide you with a complete quote and your final premium may be adjusted. You must contact a Licensed Insurance Representative (LIR) to finalize your transaction. In the event of a difference between the premium estimated on-line and that quoted by the LIR, whether higher or lower, the premium quoted by the LIR will apply. A monthly payment option is also available, some conditions apply.


Please be advised that in requesting a quote you are consenting to the collection use and disclosure of your personal information, such collection use and disclosure shall be governed by our privacy policy. For more information on our privacy policy and the third party sources that may be involved please click here.