This is directly from the Financial Services Commision of Ontario in reference to the Ontario Automobile Policies.

"we" represents your insurance company
"you" well...represents you tongue

The facts below have been in effect as of Jan 2007 and have NOT been amended therefore they should be taken as being enforced TODAY.

I was bored tonight tongue

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1.7.2 When We Cancel

Where your policy has been in effect for less than 60 days, we may only cancel your policy for a reason that we have filed with the Financial Services Commission of Ontario.


Where your policy has been in effect for more than 60 days, we may only cancel your policy for one of the following reasons:

- non-payment of premium,
- you have given false particulars of the automobile,
- you have knowingly misrepresented or failed to disclose information that you were required to provide in the application for automobile insurance, or
-the risk has changed materially.

If we cancel your policy, we will calculate the premium you owe on a proportionate basis. Proportionate means you will pay for the actual number of days you were covered. For example, if half the premium period is over, you will pay half the premium.
There may be a minimum premium shown on your Certificate of Automobile Insurance. This will not be refunded.

If you have paid more than the premium you owe, we will refund the difference on cancellation. Your refund may be delayed if the amount of premium you owe is subject to adjustment, or we are waiting for reports in order to determine the premium paid or owing. We will make the refund as soon as possible in that case.

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Lou
The hunt for his and hers begins