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In the event of a partial insured loss, no devaluation is put on the replacement price of required parts. Restricted acts under the insurance policy act, discrimination in between individuals of same class and also expectations of life, unreasonable discrimination in any type of price or schedule, misrepresentation, bribes, unreasonable hold-up, misclassification. RIBO (signed up insurance coverage brokers of Ontario) controls brokers under the Registered Insurance Brokers Act. Responsible for the insurer's image and obligation to insurance coverage buying public as well as employers to stay clear of blunders.

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