When does a consumer NOT have a continuing relationship with a licensee?

A consumer does not have a continuing relationship with a licensee when they purchase travel insurance in isolation, meaning that the purchase is a standalone transaction and does not imply ongoing interaction or dependence on the licensee’s services. This situation contrasts with the other scenarios where ongoing relationships or interactions are evident.

When a consumer is a claimant under a policy or files a claim with the licensee, there is a clear ongoing relationship since these actions require communication, support, and service from the licensee. Similarly, receiving regular updates about insurance products also establishes a continuing relationship, as it involves ongoing engagement and an exchange of information between the consumer and the licensee. Thus, the isolated purchase of travel insurance does not create a sustained bond, making it the correct choice in identifying when a consumer does not maintain a continuing relationship with the licensee.