Website policy

Website Terms & Insurance Disclaimer

Last updated: July 25, 2026

General information only

This website provides general educational information for Ontario and Canadian audiences. It is not an insurance contract, binder, guarantee of coverage, immigration advice, legal advice, tax advice, medical advice or a personalized recommendation.

Quotations and coverage

A website estimate, calculator result, price range or discussion is illustrative unless an authorized insurer issues a formal quotation. Availability, premium, eligibility, exclusions, deductibles, stability periods, effective dates and benefits depend on the applicant, insurer, application, underwriting and policy wording. Coverage is not in force until all insurer requirements are satisfied and the insurer confirms it.

Advisor and insurer roles

Cover & Protect is an Ontario-licensed independent insurance advisory practice. Sertac Tekin holds FSRA licence #10112782. Insurance products are issued and claims are adjudicated by the applicable insurer. Insurer names and product descriptions do not imply that every product is available to every applicant.

Time-sensitive information

Government rules, tax limits, immigration requirements, insurer products and pricing can change. Publication or review dates show when content was prepared, but you should confirm current requirements with the responsible government body, insurer and qualified professional before acting.

External services and links

Links to government websites, insurers, booking platforms, maps and other third parties are provided for convenience. Cover & Protect does not control their availability, security, content or privacy practices.

Permitted use

You may use this website for personal information and legitimate inquiry purposes. You may not interfere with the site, attempt unauthorized access, submit false information, reproduce substantial content without permission, or use the site unlawfully.

Limitation

To the extent permitted by law, Cover & Protect is not responsible for loss resulting from reliance on general website information, third-party content, service interruption, or information supplied inaccurately or incompletely by a user. Nothing in these terms excludes obligations that cannot legally be excluded.

Contact

Questions may be sent to contact@coverandprotect.ca or 647-366-9495.