Last Updated: October 23, 2026

These Terms & Conditions govern the use of this website (insurewithanshul.ca), the client portal (portal.insurewithanshul.ca), online forms and related online services. By creating or using a portal account, submitting an inquiry, requesting insurance assistance or otherwise using this website, you acknowledge and agree to these Terms & Conditions.

1. About This Website

This website and client portal are operated by Anshul Ghai, a licensed insurance agent in British Columbia. They are not an insurance company, insurance agency or insurance brokerage. Insurance services are provided through the licensed insurance agency identified below for each type of insurance.

2. General Insurance Services

Anshul Ghai and Himanshu Puri are Level 2 General Insurance Agents in British Columbia. General insurance services are provided through Cascade Insurance Agencies.

General insurance services may include, where available and authorized:

  • Auto Insurance, including ICBC Autoplan

  • Home Insurance

  • Condo Insurance

  • Tenant Insurance

  • Landlord Insurance

  • Farm Insurance

  • Commercial & Business Insurance

  • Commercial Fleet Insurance

  • Other general insurance products available through the agency

Insurance products are subject to insurer availability, eligibility, underwriting requirements, policy terms, conditions, limits, deductibles and exclusions.

3. Life, Accident & Sickness, Travel and Super Visa Insurance Services

Anshul Ghai is a licensed Life Insurance Agent in British Columbia. These services are provided separately through Punjab Insurance Agency Inc. and may include, where available and authorized:

  • Life Insurance

  • Critical Illness Insurance

  • Disability Insurance

  • Travel Insurance

  • Super Visa Insurance

  • Health and Dental Insurance

  • Accident & Sickness Insurance

  • Segregated Funds

  • Annuities

  • Other products available through the applicable insurer or agency

These services are subject to applicable licensing, supervision, insurer contracting, suitability, needs-analysis, underwriting and regulatory requirements.

4. Separate Insurance Agencies

Cascade Insurance Agencies and Punjab Insurance Agency Inc. are separate organizations.

  • General insurance inquiries are handled by Anshul Ghai and Himanshu Puri through Cascade Insurance Agencies.

  • Life, accident & sickness, travel and super visa insurance inquiries are handled by Anshul Ghai through Punjab Insurance Agency Inc.

If you ask for help with both, your information is handled and routed according to the services you select and the consent you give. Selecting one category does not by itself authorize use of your information for the other.

5. No Insurance Is Bound Through This Website

Creating a portal account, completing a questionnaire, submitting an inquiry, uploading documents, requesting a quote, booking an appointment or sending a message through this website or the portal does not by itself:

  • Bind insurance coverage or issue a policy

  • Renew, change, amend or cancel a policy

  • Add or remove a vehicle, driver or insured

  • Confirm claim coverage

  • Guarantee an application will be approved

Coverage, amendments, renewals and cancellations take effect only when confirmed by the applicable authorized insurance agency or insurer.

6. Quotes, Premiums and Insurance Availability

Any quote, premium indication, estimate, illustration, insurance option or coverage information is subject to eligibility, underwriting, insurer approval, the accuracy and completeness of the information you provide, the policy wording, limits, deductibles, conditions, exclusions, and the insurer’s rules and requirements. Submitting information does not guarantee approval, availability of insurance, a particular premium or a particular level of coverage.

7. Information You Provide

You agree to provide information that is accurate and complete to the best of your knowledge. Insurance decisions may rely on it, so tell your licensed insurance agent promptly if important information changes. If you give us information about another person, you confirm you are authorized or legally permitted to do so. Additional consent may be needed before it can be used for insurance purposes.

8. General Information and Insurance Advice

Information on this website is for general information and education. It does not by itself confirm that any product, coverage, limit, deductible or policy is right for your circumstances. Personal recommendations may need more information, a needs assessment, a suitability review, insurer requirements or other review by a licensed insurance agent.

9. Urgent Requests and Coverage Changes

Do not rely only on website forms, portal messages, email, text messages, social media messages or voicemail for urgent insurance matters or immediate coverage changes. A request sent electronically is not effective just because it has been sent or received. Any request to bind, change, renew or cancel insurance must be reviewed and confirmed by the applicable authorized insurance agency or insurer.

For urgent insurance or claims matters, call 778-793-3322 or contact the applicable agency or insurer directly. Agency contact details are on the Contact Us page.

10. Client Portal Accounts

You are responsible for keeping your portal login details confidential and secure. You must not:

  • Share your password with anyone not authorized to use your account

  • Access another person’s account without authorization

  • Try to bypass website or portal security

  • Try to access client or administrative information without authorization

  • Use the website or portal for fraudulent, unlawful or abusive purposes

Tell us promptly if you believe your account has been compromised.

11. Privacy and Personal Information

Personal information submitted through this website or the portal is collected, used, disclosed, protected, kept and destroyed in line with BC’s Personal Information Protection Act, the Privacy Policy and the consent you provide. Information collected for general insurance purposes will not automatically be used for life or accident & sickness insurance purposes, or the reverse, except with appropriate consent or where the law permits. Please read the Privacy Policy before submitting personal information.

12. Consent and Electronic Communications

Submitting an insurance inquiry authorizes the communications reasonably needed to respond to it, using the contact information and preferences you give.

Consent to receive marketing or promotional messages is separate and optional. Promotional messages are sent by Anshul Ghai, identify him as the sender, and include a way to unsubscribe. If you subscribe, you can unsubscribe at any time, and we act on unsubscribe requests within 10 business days. Messages about an active inquiry, application, policy, appointment or service request may continue separately from marketing messages.

13. Documents and Sensitive Information

Submit sensitive insurance information only through methods we specifically provide or approve for that purpose. Do not send highly sensitive personal, financial, medical or identity information through social media direct messages or other unsecured channels. Submitting documents through the portal does not mean coverage is accepted, approved or confirmed.

14. Insurance Companies and Service Providers

Insurance products may be issued or underwritten by third-party insurance companies. This website and the portal may also use third-party technology providers for hosting, secure document storage, appointment scheduling, communications, email delivery, authentication, analytics and other operational services. Personal information they process is handled under applicable privacy requirements and the Privacy Policy. Third-party websites and services may have their own terms and privacy policies.

15. Website and Portal Availability and Security

We use reasonable administrative, technical and organizational measures to protect the website, the portal and the information processed through them. However, no electronic system can guarantee uninterrupted availability or absolute security. The website or portal may occasionally be unavailable for maintenance, security updates, upgrades, technical issues, third-party service interruptions or circumstances beyond reasonable control.

16. Renewal Reminders

The website or portal may let you record renewal dates and receive reminders. Reminders are a convenience only. You remain responsible for monitoring your policies, expiry dates, payments, renewal requirements and messages from your insurer or insurance agency. A reminder does not mean a policy has been renewed or that coverage will continue automatically.

17. Appointment Requests

Submitting an appointment request does not guarantee the time you asked for. An appointment is confirmed only when your insurance agent or the scheduling system confirms it.

18. Intellectual Property

Unless otherwise stated, the original text, branding, graphics and design of this website may not be copied, reproduced or used for commercial purposes without permission. Insurance company names, trademarks and logos belong to their owners.

19. No Guarantee of Results

Nothing on this website or the portal is a guarantee of insurance approval, insurance availability, the lowest premium, premium savings, claim payment, specific coverage, an underwriting outcome, investment performance or a financial return. Insurance and investment-related insurance products, such as segregated funds and annuities, involve terms, conditions, eligibility requirements, risks and insurer-specific considerations.

20. Changes to Website Services

Website and portal features, insurance categories and available services may change from time to time. A product appearing on this website does not guarantee it is available from a particular insurer or suitable for a particular person.

21. Changes to These Terms

We may update these Terms & Conditions to reflect changes to website or portal features, insurance services, laws, regulatory requirements, privacy practices or security practices. The latest version and its date will be posted on this page. Where a material change requires additional consent under applicable law, we will ask for it.

22. Limitation of These Terms

Nothing in these Terms & Conditions waives, restricts, excludes or reduces consumer rights, privacy rights, insurance licensee responsibilities, regulatory obligations, professional duties or statutory obligations that cannot legally be waived, restricted or excluded.

23. Governing Law

These Terms & Conditions are governed by the laws of the Province of British Columbia and the applicable federal laws of Canada.

24. Contact Information

For questions about this website, the portal or these Terms & Conditions, contact:

For questions about a specific policy, application, coverage, claim or transaction, you may also be directed to the applicable insurance agency or insurer.