P-40.1, r. 3 - Regulation respecting the application of the Consumer Protection Act

Section 32 Disposition versions

2019-08-01

32. If subscription to or participation in an insurance is a condition for entering into a credit contract or a long-term contract of lease of goods, the contract must contain the following compulsory clause:

“Clause required under the Consumer Protection Act.

(Insurance)

Before entering into this contract, the merchant requires the consumer to hold an insurance (indicate the type of insurance required).

A consumer may meet that requirement

(a)  either by subscribing to or participating in the insurance that may be recommended by the merchant;

(b)  by subscribing to or participating in an insurance with an insurer and the insurance representative chosen by the consumer; or

(c)  with an insurance the consumer already holds.

The merchant may not refuse the insurance chosen or held by the consumer without reasonable grounds.

It is in the consumer’s interest to refer to sections 111 and 112 of the Consumer Protection Act (chapter P-40.1) and, if further information is necessary, to contact the Office de la protection du consommateur.”.

R.R.Q., 1981, c. P-40.1, r. 1, s. 32; O.C. 600-92, s. 4; O.C. 994-2018, s. 18.

2012-09-01

32. If subscription to an insurance policy is a condition for making of a contract of credit or of a long-term contract of lease of goods, the contract must contain the following compulsory clause:

“Clause required under the Consumer Protection Act.

(Insurance)

Before entering into this contract, the merchant requires the consumer to hold a(n) (indicate the type of insurance required) insurance policy.

A consumer may meet that requirement:

(a)  either by subscribing to an insurance policy with an insurer recommended to him by the merchant;

(b)  or by subscribing to an insurance policy equivalent to that required by the merchant with an insurer chosen by the consumer;

(c)  or with an insurance policy he already holds.

It is in the consumer’s interest to refer to sections 111 and 112 of the Consumer Protection Act (chapter P-40.1) and, where necessary, to communicate with the Office de la protection du consommateur.”.

R.R.Q., 1981, c. P-40.1, r. 1, s. 32; O.C. 600-92, s. 4.