If I could rate them a ZERO, I would! Prices are great. I guess they are based on the fact that they don't intend on paying any claims. I appealed their decision with the manager, regional manager, ombudsmans, and finally the GIO of Canada. The representative from GIO stated "the insurance company can have 50 inspections done and base their decision on the one of their choice". How can an insurance company have 5 inspection reports and base their decision on the one that suits them best while contradicting the rest?! Ridiculous. Absolutely disgusting. Insurance is meant to protect the client, instead I got robbed.