The province’s Personal Information Protection Act, which came into force Jan. The Information and Privacy Commissioner in 2011 appointed a delegate to conduct an inquiry. However, Hughes later found out that Economical had sought information on his credit score prior to renewing his policy, so he complained to the provincial Information and Privacy Commissioner that Economical had breached his privacy by looking into his credit score. In September 2008, the Hughes’ home was burglarized and they settled a claim the following year. That form included a statement that the applicants “agree that reports containing personal, credit, factual record, premium payment or claims history information may be sought or exchanged in connection with this application for insurance or renewal, extension, variation or cancellation thereof.” When they applied for their policy in 2003, they used a standard form created in October 1996 by the Centre for Study of Insurance Operations (CSIO). In 2011, a delegate for the Information and Privacy Commissioner ruled that Economical had “not adequately” informed one home policyholder, Alfred Hughes, and his wife, that their credit information could be collected for the purpose of underwriting or assessing future risk of loss.Ĭourt records indicate that Hughes and his wife were insured by Federated Insurance Company of Canada, later acquired by Economical. A British Columbia court ruled last week in favour of Economical Mutual Insurance Company when it set aside orders from the province’s Information and Privacy Commissioner that would have required the carrier and its brokers to review all credit score consent forms obtained from home policyholders since 2004.
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