Part of Insurance

Insurance – Legislation, orders and agreements

Legislation and regulations, ministerial orders and directives from the Minister of Finance and interprovincial agreements.

Insurance Act

Captive Insurance Companies Act

Alberta’s regulatory framework enabling captive insurance companies is effective July 1, 2022. Captives provide insurance coverage for the entities that create and own them. Captives may be set up in any sector as an alternative to using a traditional insurer.

For details including legislation and regulations, see Information for captive insurers.

Insurance Regulations

Adverse Contractual Action Regulation

Automobile Accident Insurance Benefits Regulation

Automobile Insurance Premiums Regulation

Automobile Insurance Rate Board Fees Regulation

Certificate Expiry, Penalties and Fees Repeal Regulation

Classes of Insurance Regulation

Complaint Resolution Regulation

Diagnostic and Treatment Protocols Regulation

Direct Compensation for Property Damage Regulation

Fair Practices Regulation

Home Warranty Insurance Regulation

Insurance Agents and Adjusters Regulation

Insurance Councils Regulation

Insurance Enforcement and Administration Regulation

Minor Injury Regulation

Miscellaneous Insurance Provisions Regulation

Provincial Companies Regulation

Reciprocal Insurance Exchange Regulation

Recovery of Administration Costs Regulation

Replacement of Life Insurance Contracts Regulation

Transitional (Insurance Amendment act, 2008) Regulation

Changes effective July 2014

Stronger oversight of automobile insurance premiums

Changes to the Insurance Act were proclaimed (except sections 3, 5 and 28) into force on July 1, 2014. The changes allow for stronger oversight of automobile insurance premiums, by providing the Automobile Insurance Rate Board with the responsibility to regulate the entire (both basic and additional) automobile insurance premium.

Overview of the changes

See the following Superintendent of Insurance Notices and other documents:

Changes effective July 2012

Updates clarify and strengthen consumer rights

Legislative changes were implemented to amend the provisions of the act applicable to the various types of insurance contracts such as: life, accident and sickness, liability, business and property.

These changes modernize the framework for insurance contracts, strengthen consumer protection, and address issues identified by stakeholders, including consumers, legal counsel and insurers.

Overview of the changes

Ministerial Orders and Directives

Ministerial Orders and Directives under insurance legislation

Cease and Desist Orders under s.764 of the Insurance Act

Interprovincial agreements

Memoranda of Agreements with Manitoba Public Insurance Corporation (MPI) and Saskatchewan Government Insurance (SGI)

The Provinces of Manitoba and Saskatchewan have enacted a system of no-fault insurance that applies principally to residents of their respective provinces who suffer bodily injuries in automobile accidents.

MPI (for Manitoba) and SGI (for Saskatchewan) are authorized by statute to enter into agreements with governments of other provinces respecting compensation for bodily injury of (a) residents of other provinces who are involved in accidents in Manitoba or Saskatchewan, and (b) their residents who are involved in accidents outside Manitoba or Saskatchewan.

The Province of Alberta may by regulation require that automobile insurance policies issued in Alberta provide for payment of no-fault benefits to residents of Alberta who suffer bodily injuries in automobile accidents in Manitoba and Saskatchewan.

MPI (Manitoba) and SGI (Saskatchewan) and the Province of Alberta entered into the agreements available below.

Memoranda of Agreements

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Connect with the Office of the Alberta Superintendent of Insurance:

Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-643-2237
Toll free: 310-0000 before the phone number (in Alberta)
Fax: 780-420-0752
Email: [email protected]

Alberta Superintendent of Insurance
Alberta Treasury Board and Finance
Financial Sector Regulation and Policy
402 Terrace Building
9515 107 Street
Edmonton, Alberta  T5K 2C3