Under section 180 of the Automobile Insurance Act (CQLR, c. A-25) each authorized insurer must file a copy of its rate manual with the Autorité des marchés financiers. The AMF has determined that two annual filings of the Automobile Rate Manual are required by the following dates:

  • April 1st – Rate Manual to be effective as of March 1st
  • October 1st - Rate Manual to be effective as of September 1st

The rate manual is a manual that is made up of the documents of an authorized insurer in which his rules of underwriting of risks and the premiums applicable to each are identified and defined.

We invite you to consult the Notice of the Autorité des marchés financiers concerning the new procedure and format requirements concerning the electronic rate manual, which was published in the AMF Bulletin (in French only) dated November 28, 2019, vol. 16, No. 47.

For information purposes, the document titled Rate manual e-filing guide (pdf - 977 KB)This link will open in a new windowUpdated on 26 November 2019rate manual,e-filing guide contains the specific instructions and procedure to follow when filling the rate manual are posted on the AMF website. For any question regarding the automobile rate manuals, please write to info-automobile@lautorite.qc.ca.

Rate manual e-filing guide (pdf - 977 KB)This link will open in a new windowUpdated on 26 November 2019rate manual,e-filing guide

Summary of filed amendments (xlsx - 87 KB)This link will open in a new windowUpdated on 26 November 2019summary, filed amendments

Security notice (pdf - 326 KB)This link will open in a new windowUpdated on 26 November 2019avis, sécurité (In French only)

Files 2 and 3 to file in disclosure for insurers not filing a rate manual (pdf - 36 KB)This link will open in a new windowUpdated on 26 November 2019files

Information on automobile insurance experience in Québec (xlsx - 174 KB)This link will open in a new windowUpdated on 10 December 2019Renseignements;opérations;assurance automobile;Québec;décembre 2018

Consultation of the automobile rate manuals

The rate manuals are available to the public for information purposes, thereby promoting competitiveness in the Québec automobile insurance industry. These manuals can be consulted by appointment by contacting the AMF Direction, Supervison of Insurers by writing to info-automobile@lautorite.qc.ca.