Insurance and Deposit institutions

Automobile insurance

Guide to compliance program and use of FCSA data (pdf - 606 KB)This link will open in a new windowUpdated on March 12, 2019Guide to compliance autodit program and use of FCSA data. The purpose of this Guide to Compliance Audit Program and Use of FCSA Data is to facilitate understanding of the compliance audit process by all users of the system. (English version available soon)

Damage insurance

Syndicate of Co-owners Insurance Supervisory Report (pdf - 577 KB)This link will open in a new windowUpdated on November 30, 2022In May 2021, the Autorité des marchés financiers (the “AMF”) launched a cross-sectional analysis of syndicate of co-owners insurance in Québec (“syndicates insurance”). The goal was to develop an overall portrait of syndicates insurance in terms of profitability and current commercial practices in the industry and, specifically, to find out what adjustments insurers have made to those practices as a result of the recent changes to the divided co-ownership insurance framework and the divided co-ownership framework in general. The AMF also looked at the prevalence in Québec of the practice of using best terms pricing (BTP) for subscription insurance policies.
This report presents the results of the AMF intervention by communicating its overall findings and issuing certain reminders to insurers.

Managing Climate Change Risk (pdf - 2 MB)This link will open in a new windowUpdated on November 17, 2011Findings of 2010 survey of property and casualty (P&C) insurers operating in Quebec 

Insurance of persons

Group disability insurance cross-sectional analysis report (pdf - 514 KB)This link will open in a new windowUpdated on March 14, 2019The Guideline sets out the AMF’s expectations for sound commercial practices, which are intended to ensure: FTC, which is a core component of the governance and corporate culture of insurers; that consumers have information allowing them to be properly informed and make enlightened decisions regarding a product, before, during and after the purchase of the product; that claims and complaints are examined diligently and settled fairly, using a procedure that is simple and accessible to claimants.

Critical Illness Insurance Supervisory Report (pdf - 2 MB)This link will open in a new windowUpdated on January 14, 2022L’Autorité des marchés financiers (l’Autorité) rend publics les résultats de ses travaux de surveillance en assurance maladies graves (appelée également « assurance maladies redoutées ») auprès des principaux assureurs actifs dans ce domaine au Québec.

Result of the commercial practices self-assessment - Insurers

Notice (pdf - 116 KB)This link will open in a new windowUpdated on July 16, 2015"Notice, result, commercial practices, self-assessment, insurers"

Report (pdf - 610 KB)This link will open in a new windowUpdated on July 16, 2015commercial practices, self-assessment, report

Insurer disclosure analysis report on the offering of insurance products by dealerships

2019 report (pdf - 703 KB)This link will open in a new windowUpdated on June 1st, 2020This analysis report is based on data collected from 20 insurers for the years 2016, 2017 and 2018. It provides a picture as at December 31, 2018 of the market for insurance products offered by dealers, namely replacement insurance (Q.P.F. No. 5) and debtor life, health and employment insurance (DLHE).

2016-2018 report (pdf - 739 KB)This link will open in a new windowUpdated on June 3, 2020This analysis report is based on data collected from 20 insurers for the years 2016, 2017 and 2018. It provides a picture as at December 31, 2018 of the market for insurance products offered by dealers, namely replacement insurance (Q.P.F. No. 5) and debtor life, health and employment insurance (DLHE).

2016-2018 highlights (pdf - 45 KB)This link will open in a new windowUpdated on June 1st, 2020The sale of insurance products through automobile, recreational and leisure vehicle dealers in Québec