Preface
Author | Denis Boivin |
Pages | 23-25 |
xxiii
PR EFAC E
Insurance is everywhere in Canadian society: health, employment, trans-
portation, commerce, industry, and communications are all sectors of
activity affected by insurance. Whether public or private, compulsory
or voluntary, insurance touches everyone on a daily basis. It touches
adults, children, governments, associations, partnerships, and corpor-
ations. We enjoy activities that could not occur without insurance; we
take chances that could not be accepted without insurance; we make
purchases that but for insurance could not be rationalized; and we
pursue professions, businesses, ventures, and relationships that would
become too costly in the absence of insurance. Where there are risks,
there is a need for insurance — and one cannot live in the twenty-first
century without encountering risk day in and day out.
The ubiquity of insurance comes at a cost. This price is paid by all
Canadians and not only by those who hold insurance policies. Every
year, Canadian policyholders pay billions of dollars in premiums to
private insurance companie s. The figure is high, but it does not include
the taxes, levies, and fees that are collected on a regular basis to fund
public insurance schemes such as health care, workers’ compensa-
tion, and employment insurance. Nor does the sum total of premiums
include the costs of publicly funded automobile insurance in British
Columbia, Saskatchewan, Manitoba, and Québec. Moreover, there are
indirect costs associated with insurance. Consumers respond to pricing
in a number of ways, a truism that applies equally to the insurance
marketplace. Some abstain from purchasing insurance and modify
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