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Contest rules

2025

Contest

The contest is sponsored and organized by The Personal Insurance Company (hereinafter "The Personal"). The contest runs from February 1 to November 21, 2025, at 11:59 PM (Eastern Time).

Exclusivity

The contest is open exclusively to people who are eligible for home or auto insurance under the Bell group insurance plan at The Personal.

Prizes

There is a total of 6 cash prizes available, valued at CAN$1,000 each, for a total amount of CAN$6,000. The prizes will be awarded in the form of a cheque.

Eligibility

  1. To be eligible for the contest, entrants must:
    • Be a resident of Canada
    • Have reached the age of majority in the province or territory where they reside at the time of the draw
    • Be eligible for home or auto insurance under the Bell group insurance plan on the date of each draw
    • Have obtained a home or auto insurance quote from The Personal between February 1, 2025, and the date determined for each draw OR have a home or auto insurance policy with The Personal in force on the date of each draw
      For more information, see Draw details.

    Exclusions
    The following individuals are not eligible to enter the contest:

    • Employees, managers, directors and officers of The Personal or any other entity that is part of Desjardins General Insurance Group or one of its subsidiaries, members of their immediate families (siblings, children, parents), their legal or common-law spouses, or people with whom they reside
    • Employees, managers, directors and officers of any other entity that is part of Bell involved in organizing the contest and people with whom they reside
  2. No entry form or purchase necessary. One entry per insurance product (home or auto) per person. Maximum of 2 entries per person.

Draw details

  1. The winners of the 6 prizes will be selected by 2 computerized draws held at 6300 Guillaume-Couture Boulevard, Lévis QC G6V 6P9, on the following dates:
    • Draw 1 on July 10, 2025. One draw among all eligible entrants who obtained a home or auto insurance quote with The Personal between February 1 and May 31, 2025, OR who had a home or auto insurance policy with The Personal in force on May 31, 2025. Prize: CAN$1,000 each.
    • Draw 2 on December 12, 2025. One draw among all eligible entrants who obtained a home or auto insurance quote with The Personal between June 1 and November 21, 2025 OR who had a home or auto insurance policy with The Personal in force on November 21, 2025. Prize: CAN$1,000 each.
  2. The odds of winning depend on the number of completed insurance quotes and the number of policyholders in the Bell group in The Personal's databases that have a home or auto insurance policy in force during the period that applies to each draw, in accordance with the Eligibility section.
  3. To obtain their prize, winners must meet the eligibility conditions set out in these contest rules and meet the following criteria:
    1. Be reached by phone within 10 days of the draw
    2. Correctly answer a time-limited mathematical skill-testing question that will be asked over the phone
    3. Accept the prize listed above as awarded
    4. Consent to the use of their name without compensation for the purposes of announcing the winners

    If a winner does not meet the eligibility conditions or above criteria, the prize will be automatically cancelled and The Personal may, at its sole discretion and without further action, select another winner according to the terms and conditions set out in the contest rules.
  4. If 2 people co-own an insurance policy or jointly request an insurance quote, the person who is eligible for the Bell insurance plan must answer the mathematical skill-testing question and receive the prize in their name. If both people are eligible for the Bell group insurance plan, either of them can answer the mathematical skill-testing question, but the prize will be awarded to both.
  5. Winners cannot win more than 1 prize in this contest.
  6. The prizes (cheques for CAN$1,000) will be mailed to the winners within 6 weeks of the date of each draw.

General conditions

  1. Personal information. For individuals to enter the contest, The Personal needs to collect, use and share some of their personal information. For more information, see The Personal's Privacy Policy.
    When they enter the contest, individuals authorize The Personal or its authorized agents to collect, use and share their personal information for administering the contest and awarding the prizes per applicable regulations and The Personal's Privacy Policy.
  2. Disqualification. Anyone who enters or attempts to enter this contest by means that violate these rules or that are unfair to other eligible entrants (such as by hacking or using a voting group or false names) will be automatically disqualified and may be reported to the appropriate legal authorities.
  3. Acceptance of prizes. Prizes must be accepted as described in these rules and cannot, under any circumstances, be transferred, in whole or in part, to anyone else, or substituted for another prize.
  4. Limitation of liability. If The Personal is unable to award the prizes as described in these rules, it reserves the right to award a similar prize of equal value, at its sole discretion.
  5. Limitation of liability – Receipt of entries. The Personal cannot be held liable for any lost, misdirected or late entries, for any person's inability to enter the contest for any reason whatsoever, or for any malfunction whatsoever that could affect the availability or operation of the website or any component of the telecommunications systems or networks during the contest. Furthermore, The Personal cannot be held liable for any damage to an entrant's computer or any component of a computer system used to enter this contest.
  6. Limitation of liability – Contest entry. By entering or attempting to enter the contest, individuals agree to release The Personal from any direct or indirect liability or damage that may result from entering or attempting to enter the contest.
  7. Limitation of liability – Use of prize. The winners accept the prize as described and fully release The Personal from any direct or indirect liability for any damage whatsoever that may arise from accepting or using the prize. The Personal cannot be held liable for any lost or stolen prize.
  8. Limitation of liability – Situation beyond the organizer's control. The Personal cannot be held liable in any way whatsoever if its inability to act results from a situation beyond its control or from a strike, lockout or other labour dispute occurring in the institutions, organizations or companies whose services are used for contest operation.
  9. Contest changes. The Personal reserves the right to modify the contest terms and cancel, suspend or terminate the contest at any time, at its sole discretion and without notice.
  10. Decisions. All entrants must follow these rules. Any decision by The Personal is final and binding.
  11. Property. All information and documents related to the contest, including insurance quotes, are and remain the property of The Personal.
  12. If a section of these rules is declared or deemed illegal, unenforceable or invalid by a court of competent jurisdiction, that section will be considered null and void, but all other sections that are not affected will be enforced to the extent permitted by law.
  13. A French version of these rules is also available. In the event of a discrepancy between the French and English versions of these rules, the French version will prevail.
  14. The contest is subject to all applicable laws and the exclusive jurisdiction of the courts of Quebec.
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