BCAA Home Insurance Reviews

I have been a BCAA member for about a year and purchased their home insurance on the top of my condo insurance. I was away for about three months and my insurance expired in between. I am a first home buyer and I am new to the whole insurance system. I was not aware that insurance cancelled because of non-payment is a huge deal here in Canada. I simply thought this is something I purchase on a voluntary base and if I do not renew or make payment, it just expired. However, I called BCAA yesterday to buy a new home insurance(3 months after my insurance expired). Firstly, they treat me like some sort of criminal, asking me all kinds of personal questions. Then they just told me that they refuse to provide me insurance in the future (He even said, Permanently..) I was shocked by their attitude and how they made a decision based on a few questions.

During my absence, my house was occupied by a very close friend and my boyfriend only, my deductible limit is very high as well and I do not understand how a company could treat a member like this. I am just gonna cancel my membership and "permanently" I am gonna purchase anything from them anymore. (I am not even allowed to in this case..)

Canadian Veteran permanently disabled with PTSD since 2006, with symptoms that include significant memory and concentration loss. I was late renewing my home insurance in 2010 and again in 2017 which was an oversight due to my medical condition. They sent a registered letter advising me my insurance was cancelled and would not let me make the payment within 30 days of the renewal date to continue with my home insurance plan as it was the second time in 7 years. BCAA is aware of my mental health condition and the reason for missing the renewal date but remained unwilling to let me continue with my insurance coverage or renewal. I did find another company but without the discounts for membership, it is costing me about $300 dollars more a year home insurance.