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In the event of a partial insured loss, no devaluation is applied to the substitute price of called for parts. Banned acts under the insurance act, discrimination in between people of exact same lesson as well as expectations of life, unfair discrimination in any kind of rate or routine, misrepresentation, bribes, unreasonable hold-up, misclassification. RIBO (signed up insurance brokers of Ontario) regulates brokers under the Registered Insurance Brokers Act. Responsible for the insurer's picture and obligation to insurance purchasing public and also employers to stay clear of errors.