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Claims adjustment

Title: Claims Adjuster

A representative authorized to act in the claims adjustment sector is authorized to act with respect to personal and commercial claims. 

Title: Claims Adjuster in Personal-lines Damage Insurance

A representative authorized to act in the Claims Adjustment in Personal-lines Damage Insurance sector class is only authorized to act with respect to claims pertaining to:

  1. property and civil liability of a domestic nature of a natural person or an independent worker at his residence;

  2. residential buildings containing not more than six dwellings.

Title: Claims Adjuster in Commercial-lines Damage Insurance

A representative authorized to act in the Claims Adjustment in Commercial-lines Damage Insurance sector class is only authorized to act with respect to claims of commercial businesses, including in respect of independent workers.

How to obtain a representative’s certificate

Step 1: Satisfy the minimum qualifications

The minimum qualifications for the damage insurance sector are as follows:

 

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Step 2: Pass the AMF's examinations

The AMF requires future professionals to pass the following examinations, based on the sector or sector class in which they plan to practice, in order to ensure they have the necessary skills to properly advise clients.

An examination is valid for two years from the date passed. A failed exam may be rewritten three times.

The AMF offers manuals and other tools to help you prepare for the examinations.

If you wish to write an AMF examination, you must complete and submit the appropriate follow the registration process.

Skill code

Exams

Full class

Claims adjustment in personal-lines damage insurance

Claims adjustment in commercial-lines damage insurance

05-115

Integrate into practice the general principles of law applicable to damage insurance and the rules governing the activities of claims adjusters

X

X

X

05-511

Settle personal property insurance claims based on the client’s coverage

X

X

 

05-512

Settle personal-lines and commercial-lines automobile insurance claims based on the client’s coverage

X

X

X

05-513*

Settle commercial-lines property and civil liability insurance claims based on the client’s coverage

X

 

X

*Exam 05-513 will not be required if all the relevant past exams (05-406 Analyzing commercial-lines insurance products, in particular civil liability insurance products for an enterprise and deposit products, 05-409 Analyzing direct and indirect damage insurance products and complementary products for enterprises and 05-502 Settling claims in commercial-lines damage insurance) have been passed and are still valid when presenting the application. If you have passed one of the previous exams (05-406, 05-409 or 05-502), you are required to pass the 05-513 exam.

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Step 3: Complete a probationary period

Once you have passed all the required examinations, you must complete a probationary period where you will apply, in a real but supervised setting, the knowledge and skills necessary to practice your profession. Trainees must work a minimum of 28 hours per week. All successfully completed examinations must be valid when beginning the probationary period, which extends for:

  • 12 weeks for the Damage Insurance sector

  • 6 weeks for the Personal-lines Damage Insurance sector class

  • 6 weeks for the Commercial-lines Damage Insurance sector class

Step 4: Apply for a representative’s certificate in the sector or a sector class

In order to obtain a representative’s certificate, you must submit an application to the AMF before the validity of your examinations expires. If the validity expires during your probationary period, you have 30 days from the end of this period to apply.

While your application is being processed, and on receipt of a notice to this effect from the AMF, the probationary certificate will remain in effect for a maximum of 45 days as of the end of the probationary period.

It should be noted that before issuing a representative’s certificate the Authority will take into account information related to the applicant's degree of honesty (criminal record, bankruptcy, etc.) as well as information related to the job held in case of dual employment

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Exceptions

Rules for Reinstatement