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OPC Travel Counsellor overview

OPC Travel Counsellor: Duties to customers and travel insurance

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A customer is going to a country that requires a visa. Which duty requires telling the customer?

Study reference: Editorial source checking, no licensed review — Duties to customers and travel insurance

All 12 questions in this test

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  1. A customer is going to a country that requires a visa. Which duty requires telling the customer?

    1. The duty to inform
    2. The security bond duty
    3. The bookkeeping duty
    4. The road safety duty
    Show answer and explanation

    Correct answer: The duty to inform

    Relevant information about required documents is part of prudent service. Check current requirements for the traveller with the competent authorities; do not promise a visa or guaranteed admission.

    Based on: Code civil art. 2100–2102; official source in French checked 2026-10-24

    Official reference ↗

  2. The customer paid for an ocean-view room and gets one facing the parking lot. Which obligation is breached?

    1. Security bond
    2. Conformity
    3. Confidentiality
    4. Certification
    Show answer and explanation

    Correct answer: Conformity

    The obligation of conformity requires the service provided to match what was sold in the contract.

    Based on: LPC art. 40; official source in French checked 2026-10-24

    Official reference ↗

  3. A customer fills out a medical questionnaire for travel insurance. What may the counsellor do with that information?

    1. Keep it to offer the customer other products later
    2. Share it with the tour operator to adapt the package
    3. Send it only to the insurer, keeping no copy
    4. Keep a copy on file for the customer's next trip
    Show answer and explanation

    Correct answer: Send it only to the insurer, keeping no copy

    Sections 437 and 35–36 apply the adapted medical/lifestyle-information rules to distributors: insurer-only transmission, no retained copy and confidentiality. The counsellor gains no right to reuse the information for marketing.

    Based on: LDPSF art. 437, 35–36; official source in French checked 2026-10-24

    Official reference ↗

  4. What distinguishes civil liability from penal liability?

    1. One covers agencies, the other only tour operators
    2. One covers deposits, the other only final payments
    3. One repairs harm, the other punishes an offence
    4. One applies in Québec, the other only abroad
    Show answer and explanation

    Correct answer: One repairs harm, the other punishes an offence

    Civil liability leads to damages to repair harm; penal liability leads to fines for breaking the law.

    Based on: LAV art. 37–40; Code civil art. 1458; official source in French checked 2026-10-24

    Official reference ↗

  5. An agency promises to arrange reachable assistance at the destination. What duty does that promise engage?

    1. Arranging help at the destination during the stay
    2. Paying for all the customer's meals at the destination
    3. Driving the customer to the airport personally
    4. Providing a personal interpreter for the whole trip
    Show answer and explanation

    Correct answer: Arranging help at the destination during the stay

    The agreed assistance must be honoured with prudence and diligence. Scope depends on the service and contract; every travel sale does not automatically include unlimited personal accompaniment.

    Based on: Code civil art. 1458, 2100; official source in French checked 2026-10-24

    Official reference ↗

  6. Which of these is a duty of a counsellor selling travel insurance?

    1. Making the customer buy insurance
    2. Pointing out the coverage exclusions
    3. Guaranteeing every claim will be paid
    4. Choosing the coverage for the customer
    Show answer and explanation

    Correct answer: Pointing out the coverage exclusions

    The distributor describes the product, points out exclusions, explains the claim procedure and deadline, and puts no pressure on the customer.

    Based on: AMF — décision éclairée, exclusions et absence de contrainte; official source in French checked 2026-10-24

    Official reference ↗

  7. Which body oversees the law governing the sale of travel insurance?

    1. The Office de la protection du consommateur
    2. The Canadian Transportation Agency
    3. The Administrative Tribunal of Québec
    4. The Autorité des marchés financiers
    Show answer and explanation

    Correct answer: The Autorité des marchés financiers

    The Autorité des marchés financiers oversees the Act respecting the distribution of financial products and services, which governs selling travel insurance.

    Based on: AMF — distribution sans représentant; official source in French checked 2026-10-24

    Official reference ↗

  8. When selling travel insurance, when must you disclose your remuneration to the customer?

    1. Only if the customer is over 65 or ill
    2. When it exceeds 30% of the product's cost
    3. When it exceeds $5
    4. Never, it is confidential
    Show answer and explanation

    Correct answer: When it exceeds 30% of the product's cost

    The distributor must disclose the remuneration received for the sale when it exceeds 30% of the product's cost.

    Based on: LDPSF art. 431; official source in French checked 2026-10-24

    Official reference ↗

  9. Where the Montreal Convention applies, which defence concerning delay damage appears in article 19?

    1. Posting only a general no-refund clause
    2. Showing only that the ticket was discounted
    3. Taking the reasonable measures, or proving they were impossible
    4. Stating that every liability belongs to the agency
    Show answer and explanation

    Correct answer: Taking the reasonable measures, or proving they were impossible

    The carrier may establish that it and its servants or agents took all reasonably required measures to avoid the damage, or that taking them was impossible. Other conditions and limits remain separate from the Canadian APPR.

    Based on: Convention de Montréal art. 19; official source in French checked 2026-10-24

    Official reference ↗

  10. Which authority publishes Canadian APPR information to check passenger rights after a flight delay or cancellation?

    1. The Autorité des marchés financiers
    2. The Office de la protection du consommateur
    3. The Canadian Transportation Agency
    4. The FICAV, which always pays first
    Show answer and explanation

    Correct answer: The Canadian Transportation Agency

    The Canadian Transportation Agency publishes passenger-protection rules. Rights depend on the circumstances and scope; every cancellation does not automatically entitle the passenger to monetary compensation.

    Based on: Office des transports du Canada — RPPA; official source in French checked 2026-10-24

    Official reference ↗

  11. What is the difference between an obligation of means and an obligation of result?

    1. Acting diligently, versus delivering what was promised
    2. Paying cash at deposit, versus paying on credit later
    3. Advising verbally, versus advising in writing
    4. Selling within Québec, versus selling outside Québec
    Show answer and explanation

    Correct answer: Acting diligently, versus delivering what was promised

    Prudence and diligence describe the required effort; a result obligation concerns the applicable defined result. Article 2100 states the force-majeure defence where a result is owed. The service’s nature and the contract must be examined.

    Based on: Code civil art. 2100; official source in French checked 2026-10-24

    Official reference ↗

  12. A counsellor sells a hotel he knows is dirty and poorly rated without warning the customer. Which obligation is at issue?

    1. Renewing the certificate
    2. Keeping books
    3. Paying the FICAV contribution
    4. Prudent supplier selection and relevant information
    Show answer and explanation

    Correct answer: Prudent supplier selection and relevant information

    Article 2100 requires prudence, diligence and attention to the client’s interests. Knowingly withholding a material problem engages those duties. Liability and damages do not automatically follow from a poor online rating.

    Based on: Code civil art. 2100; official source in French checked 2026-10-24

    Official reference ↗

Duties to customers and travel insurance: key rules to remember

Our summary of what the official handbook says on this topic, in our own words. Read it before or after the practice questions above, then check the original chapter. Read the official chapter ↗

Duties to customers and travel insurance

  • What is the difference between an obligation of means and an obligation of result?: Prudence and diligence describe the required effort; a result obligation concerns the applicable defined result. Article 2100 states the force-majeure defence where a result is owed. The service’s nature and the contract must be examined.
  • A counsellor sells a hotel he knows is dirty and poorly rated without warning the customer. Which obligation is at issue?: Article 2100 requires prudence, diligence and attention to the client’s interests. Knowingly withholding a material problem engages those duties. Liability and damages do not automatically follow from a poor online rating.
  • An agency promises to arrange reachable assistance at the destination. What duty does that promise engage?: The agreed assistance must be honoured with prudence and diligence. Scope depends on the service and contract; every travel sale does not automatically include unlimited personal accompaniment.
  • A customer is going to a country that requires a visa. Which duty requires telling the customer?: Relevant information about required documents is part of prudent service. Check current requirements for the traveller with the competent authorities; do not promise a visa or guaranteed admission.
  • The customer paid for an ocean-view room and gets one facing the parking lot. Which obligation is breached?: The obligation of conformity requires the service provided to match what was sold in the contract.
  • What distinguishes civil liability from penal liability?: Civil liability leads to damages to repair harm; penal liability leads to fines for breaking the law.
  • Where the Montreal Convention applies, which defence concerning delay damage appears in article 19?: The carrier may establish that it and its servants or agents took all reasonably required measures to avoid the damage, or that taking them was impossible. Other conditions and limits remain separate from the Canadian APPR.
  • When selling travel insurance, when must you disclose your remuneration to the customer?: The distributor must disclose the remuneration received for the sale when it exceeds 30% of the product's cost.
  • A customer fills out a medical questionnaire for travel insurance. What may the counsellor do with that information?: Sections 437 and 35–36 apply the adapted medical/lifestyle-information rules to distributors: insurer-only transmission, no retained copy and confidentiality. The counsellor gains no right to reuse the information for marketing.
  • Which of these is a duty of a counsellor selling travel insurance?: The distributor describes the product, points out exclusions, explains the claim procedure and deadline, and puts no pressure on the customer.
  • Which body oversees the law governing the sale of travel insurance?: The Autorité des marchés financiers oversees the Act respecting the distribution of financial products and services, which governs selling travel insurance.
  • Which authority publishes Canadian APPR information to check passenger rights after a flight delay or cancellation?: The Canadian Transportation Agency publishes passenger-protection rules. Rights depend on the circumstances and scope; every cancellation does not automatically entitle the passenger to monetary compensation.

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