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I am a former loyal customer. I have never filed a claim. As a service industry, BCAA is supposed to serve the customer. Their best interest lies in profit and liability. I decided to rebuild my house on my existing property. BCAA harassed me dozens of times to get dates when this will happen. The City of Vancouver does not provide any definite dates. So BCAA went ahead and changed my policy without my authorization. If they have the right to change my policy, I should have the right to cancel. BCAA does not care about the customer's well-being. They care about their liability and profitability.