At TWIS we try to keep things straightforward—in what we do and what we say. Our Terms and Conditions inform you of our legal responsibilities as well as your agreement to them.

Terms of Use

When you access this Internet site, website (hereinafter called the “Site”), which is the property of TWIS, you accept and agree to be bound by and comply with the terms and conditions which are described on this page of the Site (hereinafter called the “Agreement”). Please take a few moments to become familiar with the terms and conditions. If you do not accept the terms and conditions, you should immediately discontinue the use of this Site.


At TWIS, we do our best to ensure all information is accurate so you can make an informed choice. The world moves quickly however and TWIS cannot guarantee that the information available on the Site will be accurate or complete or current at all times.

These terms of use may be changed at any time without notice.

The terms, exclusions and conditions of the insurance products mentioned on this Site are described in a detailed and complete manner – and personal advice is available from our call center representatives should you have any questions.

Interpretation and jurisdiction

When it is appropriate for the interpretation of the text, for the sake of brevity, a word used in the masculine gender may be used to include both women and men and vice versa.

If any provision of the Agreement, in whole or in part, is found to be unlawful, void, or for any reason unenforceable, then that provision shall be deemed to be severable from the rest of the provisions and shall not affect the validity and enforceability of any remaining provisions of the Agreement.
Access to and use of this Site is subject to all Federal and Provincial laws and regulations.

Insurance products mentioned in this Site are sold in Quebec only. Only residents who have reached the age of majority and who can validly be bound by an agreement under applicable laws can buy insurance through this Site.

Our commitment

TWIS adhere to a code of ethics to protect the confidentiality of your personal information. TWIS has taken all reasonable measures to ensure the security of your personal information and transactions carried out on this site.


As a commonly accepted fact, you recognize that the Internet environment is not entirely secure and the confidentiality of the information cannot be guaranteed. For more information on ways to transact business online safely and securely, please read our Privacy Policy. TWIS is not liable for any direct or indirect damages that may arise if you do not take the necessary steps to protect your security when using the Internet for online transactions.

Confidentiality and privacy

When you contact TWIS to obtain a car or home insurance quote or to purchase an insurance policy, TWIS will collect certain personal information, in order to guarantee the right coverage at the best rates. For more information, please read our Privacy Policy carefully.

Personal information

TWIS gathers personal information for the following purposes: to establish and maintain communication with its clientele and its staff, to enable our insurer partners to implement an effective risk assessment process, to review files in terms of applications and claims, to compile statistics, and to comply with Federal and Provincial laws and legislation.

Use of cookies

Cookies are small data files sent to the Internet browser when you visit an Internet Site. Cookies record information on the visitors along with the pages visited. This allows Internet based companies to better understand your interests and requirements in an effort to continuously enhance your customer experience.

Whilst it is possible to deactivate cookies in your web browser, to do so will impair your user experience.


The Site is protected by the Copyright Act, by the copyright laws of other countries and by International Agreements on such matters.

The text, illustrations, graphics and images displayed on the Site are proprietary and will remain at all times the property of TWIS unless stipulated otherwise herein. They may not under any circumstances be sold, reproduced, copied, modified, published, distributed, uploaded, broadcast or retransmitted, in whole or in part, without permission.

General informative content articles may be used for the purposes of social media and links may be created to this site as part of newsgroups, blogs and bulletin boards provided the source of the material is credited and clearly indicated as TWIS


Certain names, words, titles, expressions, phrases, logos, icons, graphics or designs or other content in the pages of the Site are, as the case may be, trade names or trademarks of TWIS and its affiliated companies.

This list is not exhaustive and can be modified at any time and without notice. Certain names, words, titles, phrases, logos, icons, graphics or designs or other content in the pages of the Site can constitute trademarks or trade names, registered or not, property of third parties and may be used under license. The display of trademarks and trade names on pages on the Site does not imply that a license of any kind has been granted to anyone else. The users are not permitted to use these marks or names without express consent from TWIS or from the third party proprietor of these marks or names. Any unauthorized downloading, re-transmission, or other copying or modification of trademarks, trade names or the content of the Site is strictly forbidden and may be a violation of any federal, provincial or other law that may apply to trademarks and/or copyrights and give rise to legal action.


At TWIS, we aim to save you money but we are only human. Therefore we do not represent or warrant that the Site will be available or will function without interruption or that it will be free of errors. In addition, TWIS do not represent or warrant that the use of the Site, including the browsing and downloading of any content, will be free of viruses, Trojan horses, worms or other disruptive components or that your use of the Site and its content will not infringe the intellectual property or other rights of any third party.

TWIS disclaims all liability arising from the use of the information contained on this Site by you or any user. Further, and without limiting the generality of the foregoing, in no event shall TWIS be liable for any direct, indirect, incidental, consequential or special damages, losses, claims or expenses arising from the use of the site, its interruption or any error, omission or inaccuracy in any way connected with its content.

Links to other sites

Links from or to Internet sites outside this Site are meant for your convenience only. The owners of these outside sites manage their content for which TWIS is not responsible. The links should not be construed as an endorsement, a guarantee or a recommendation of the products or services offered on these sites and you access these sites at your own risk. TWIS is not responsible for damages or prejudice of any nature resulting from the use or the content of the Site or of other sites connected to the Site by hyperlink.

Your questions

If you have any questions or concerns regarding this Agreement, please contact us at

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