Bulletins, notices, enforcement activities

Superintendent of Insurance Bulletins, Notices and Guidelines

Issued in 2025

• Guideline 02-2025: Automobile insurance rating and underwriting controls and sound practices guideline – effective January 15, 2025 – posted January 23, 2025
  • In accordance with section 792.1 of the Insurance Act, this Guideline provides sound practices for insurer operations, controls, and governance with respect to automobile insurance rating (“rating OCG”).
• Notice 01-2025: Superintendent of Insurance 2022-24 industry-wide auto insurance premium over-charge examination – effective January 15, 2025 – posted January 23, 2025 (updated February 2025)
  • This Notice is to provide details of the industry-wide automobile insurance premium over-charge examination conducted by the Superintendent of Insurance from 2022 to 2024. In connection with the examination, the Superintendent also publishes Guideline 02-2025 Automobile insurance rating and underwriting controls and sound practices.

Issued in 2024

• Notice 08-2024: Captives reinsuring third-party risks – effective December 12, 2024 – posted December 5, 2024
• Interpretation Bulletin 07-2024: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – December 12, 2024. Effective January 1, 2025, replaces Bulletin 09-2023.
• Notice 06-2024: Minor Injury Regulation Amendment – effective January 1, 2025 – posted December 12, 2024.
  • This Notice is to advise that Government is changing the way adjustments are made to account for inflation in select tax, benefit, and other programs, including the annual adjustment to the “minor injury cap” under the Minor Injury Regulation (MIR), which will come into effect January 1, 2025.
• Interpretation Bulletin 05-2024: Motor Vehicle Warranty Contracts, Dealership Loyalty Programs and Vehicle Protection Products (revised) – effective December 19, 2024
  • Pursuant to section 792.1 of the Insurance Act, this Bulletin is to provide Superintendent of Insurance interpretation of insurance legislation with respect to products commonly marketed by automobile and equipment dealerships in conjunction with the sale of motor vehicles. This Bulletin applies to all those involved in the marketing, sale, and provision of these products.
• Notice 04-2024: Consumer Alert: Fraudulent auto insurance from unlicensed insurance agent/broker ('ghost broker') – September 23, 2024
  • This notice is to caution Albertans about fraudulent, unlicensed insurance agents or brokers commonly known as 'ghost brokers' offering fake automobile insurance for sale in Alberta.
• Guideline 03-2024: Diagnostic and Treatment Protocols Regulation (DPTR) Interpretative Guideline – April 10, 2024
• Guideline 02-2024: Wildfire (and other threat) insurance moratoria Guideline – April 10, 2024
  • In accordance with section 792 of the Insurance Act, the purpose of this guideline is to provide guidance on the provision of property and automobile insurance when property and automobiles are exposed to an elevated environmental threat (a “threat”).
• Notice 01-2024: Consumer Alert: Caution against Unlicensed Insurer NUN2X3 – March 1, 2024
  • This notice is to warn Albertans about an unscrupulous company and/or individuals purporting to be a licensed insurance company in Alberta and offering automobile insurance for sale.

Issued in 2023

• Notice 10-2023: Automobile Insurance Reform Measures – effective January 1, 2024 – posted December 21, 2023
  • This notice is to advise all insurers licensed for automobile insurance in Alberta of reform measures the Government of Alberta has implemented to improve the province’s automobile insurance system.
  • Notice 10-2023 rescinds previous Interpretation Bulletin 01-2023 effective January 1, 2024, and allows Interpretation Bulletin 02-2023 to expire on December 31, 2023.
• Interpretation Bulletin 09-2023: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – November 28, 2023. Effective January 1, 2024, replaced Bulletin 09-2022.
• Interpretation Bulletin 08-2023: Adoption of CCIR/CISRO Incentive Management Guidance – effective July 11, 2023
  • Pursuant to section 792.1 of the Insurance Act (Act) and with the cooperation of the Alberta Insurance Counsel (AIC), this Interpretation Bulletin is for the Superintendent of Insurance and the Alberta Insurance Council to inform all insurers and insurance companies (intermediaries) carrying on business in Alberta of their expectations to develop incentive arrangements which align with Fair Treatment of Customers (FTC). Insurers and intermediaries are expected to put in place policies, procedures, and controls to meet their obligations and avoid or properly manage conflict of interest risks in their incentive arrangements.
• Interpretation Bulletin 07-2023: Auto Insurance Take All Comers Rule Interpretation – effective April 5, 2023
  • Pursuant to section 792.1 of the Insurance Act, and further to June 1, 2023 amendments to the Adverse Contractual Actions Regulation, this Interpretation Bulletin sets out Superintendent of Insurance expectations for adverse contractual actions and quoting procedures used by automobile insurers. In addition, it interprets that certain adverse and quoting actions taken by insurers are unfair acts under section 509 of the Insurance Act.
• Notice 06-2023: New Standard Endorsement Forms: 26(B) Single Deductible Per Occurrence Endorsement, 45(A) & 45(B) Extension of Termination Notice Period Endorsements - effective March 1, 2023, the following SEFs are authorized for use in Alberta:
  • SEF #26B – Single Deductible Per Occurrence Endorsement
  • SEF #45A – Extension of Termination Notice Period (For other than Non-Payment of Premium or Misrepresentation) Endorsement
  • SEF #45B – Extension of Termination Notice Period (For other than Misrepresentation) Endorsement
• Interpretation Bulletin 05-2023: Amended Standard Endorsement Forms: 26(A) Disappearing Deductible(s) Endorsement, 44 Family Protection Endorsement, 81 Garage Family Protection Endorsement, 90 Limitation to Operation of Automobiles by Partners, Officers and Employees Endorsement – effective March 1, 2023, the following SEF amendments are authorized for use in Alberta:
  • SEF #26A – Disappearing Deductible(s) Endorsement (formerly S.E.F. No. 26)
  • SEF #44 – Family Protection Endorsement (amended)
  • SEF #81 – Garage Family Protection Endorsement (amended)
  • SEF #90 – Limitation to Operation of Automobiles by Partners, Officers and Employees Endorsement
• Interpretation Bulletin 04-2023: DCPD Deletion Endorsement Forms – effective March 1, 2023, the following SEFs are authorized for use in Alberta:
  • SEF #49A – DCPD Deletion Endorsement (New)
  • SEF #49B – Blanket Basis DCPD Deletion Endorsement (new)
  • SEF #30A – Attached Machinery, Apparatus or Equipment Exclusion Endorsement (amended)
• Notice 03-2023: Consumer Alert: Caution Against Unlicensed Insurer – Greenan Insurance Ltd.
  • The purpose of this notice is to warn Albertans about an unscrupulous company and/or individuals purporting to be a licensed insurance company based in Canada and offering insurance products for sale online.
• Interpretation Bulletin 02-2023: Underwriting Rules Pertaining to Section C (collision and comprehensive) Coverage – effective January 25, 2023 (expires on December 31, 2023)
  • Pursuant to section 792.1 of the Insurance Act, this Interpretation Bulletin advises auto insurers that the Superintendent of Insurance has interpreted that changing eligibility rules for Section C coverage in the period January 25 to December 31, 2023, is an unfair act or practice prohibited under section 509 of the Act.
• Interpretation Bulletin 01-2023: Premium Payment Plans for Private Passenger Vehicle Insurance – effective January 25, 2023 – rescinded effective January 1, 2024
  • Pursuant to section 792.1 of the Insurance Act, this Interpretation Bulletin advises auto insurers that the Superintendent of Insurance has interpreted that denying a premium payment plan for PPV insurance, except under limited circumstances, is an unfair act or practice prohibited under section 509 of the Act.

Issued in 2022

• Interpretation Bulletin 09-2022: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – November 25, 2022. Effective January 1, 2023, replaced Bulletin 05-2021.
• Notice 08-2022: Captive Insurance Implementation – effective July 1, 2022 – posted June 8, 2022
  • The Captive Insurance Companies Act (CICA), the Captive Insurance Companies Regulation (CICR), the Captive Insurance Companies (Prescribed Enactments) Regulation and consequential amendments to the Insurance Enforcement and Administration Regulation (IEAR) and the Recovery of Insurance Administration Costs Regulation (RIACR), come into effect on July 1, 2022.
  • For more information, see Information for captive insurers.
• Interpretation Bulletin 07-2022: Unlicensed Insurance – effective May 31, 2022 – posted June 7, 2022
  • This bulletin replaces Interpretation Bulletin 02-2017 and provides updated clarification on the requirements for disclosure of unlicensed insurance in accordance with the Insurance Act.
  • For more information, see Unlicensed insurance.
• Notice 06-2022: Insurance Amendment Act, 2022 – posted June 7, 2022
  • This notice is to advise that the Government of Alberta has implemented statutory amendments to keep Alberta’s regulatory framework efficient and to support the growth of Alberta’s insurance industry.
  • These changes were implemented through Bill 16: Insurance Amendment Act, 2022. Bill 16 contains amendments to the Captive Insurance Companies Act (effective July 1, 2022) and Insurance Act (effective May 31, 2022).
  • For more information, see Information for captive insurers.
• Guideline 05-2022: New Home Warranty Insurance Claims and Claims Disputes Guideline – posted June 1, 2022
  • In accordance with section 792.1 of the Insurance Act, this Guideline is to direct warranty providers (for example: insurers) on how to adjust home warranty claims and resolve home warranty claim disputes in Alberta.
• Interpretation Bulletin 04-2022: Charitable Donations of Life Insurance – posted May 27, 2022
  • In accordance with section 792.1 of the Insurance Act, this Interpretation Bulletin provides the Superintendent of Insurance’s interpretation that in certain specified circumstances, the donation of life insurance policies to bona fide charities is not trafficking in life insurance.
• Interpretation Bulletin 03-2022: Alberta Automobile Insurance Standard Endorsement Forms Amendments – posted June 1, 2022
  • In accordance with section 792.1 of the Insurance Act, this Interpretation Bulletin advises, pursuant to section 551 of the act and effective June 1, 2022, the Superintendent of Insurance has approved amendments to 53 standard endorsement forms (SEFs).
  • Form amendments applicable to Direct Compensation for Property Damage are listed in the Superintendent’s Interpretation Bulletin 04-2021.
  • See all SEFs on the Automobile Insurance page.
• Interpretation Bulletin 02-2022: Best Terms Pricing – effective March 30, 2022
  • In accordance with section 792.1 of the Insurance Act, this Bulletin notifies property insurers in Alberta that the Superintendent of Insurance has expanded the application of Superintendent of Insurance Bulletin 03-2020: Best Terms Pricing to all subscription insurance policies in Alberta. For the purposes of this Bulletin, the meaning of Best Terms Pricing (“BTP”) is the same as that defined in Bulletin 03-2020.
• Notice 01-2022: Insurance Intermediaries Amendments – effective February 23, 2022
  • This notice alerts all insurers and insurance professionals that the Insurance Act has been amended by Bill 80: the Red Tape reduction Implementation Act, 2021 (No. 2). Various Orders in Council were also passed, which amend the Insurance Agents and Adjusters Regulation (IAAR), the Certificate Expiry, Penalties and Fees Regulation (CEPFR) and the Insurance Councils Regulation (ICR).

Issued in 2021

• Interpretation Bulletin 05-2021: Minor Injury Regulation – Annual Increase in Amount for Non-Pecuniary Damages – November 18, 2021. Effective January 1, 2022, replaced Bulletin 01-2020.
• Interpretation Bulletin 04-2021: Alberta Automobile Insurance Forms – Direct Compensation for Property Damage (DCPD) Amendments – October 18, 2021
  • See all policies, forms and endorsements on the Automobile Insurance page
• Notice 03-2021: Direct Compensation for Property Damage (DCPD) Implementation – October 18, 2021. Effective January 1, 2022.
• Interpretation Bulletin 02-2021: Submitting Notices of Appeal of Insurance Council Decisions – February 26, 2021
• Notice 01-2021: Alberta Standard Automobile Insurance Policy Forms (SPFs) Amendments effective May 1, 2021 – January 30, 2021
  • See all SPFs on the Automobile Insurance page

Issued in 2020

• Notice 05-2020: Revoking previous Notices on Rating Territories and Usage Based Insurance for Private Passenger Vehicles – effective December 11, 2020
  • This notice informs stakeholders of changes to rating territories and usage based insurance as a result of legislative and regulatory changes, which transfers authority to the Automobile Insurance Rate Board for rating programs and approvals.
• Interpretation Bulletin 04-2020: Additional automobile insurance reform measures – December 16, 2020 – this bulletin summarizes changes to:
  • the Insurance Act arising from Bill 41: Insurance (Enhancing Driver Affordability and Care) Amendment Act, 2020, and
  • the Automobile Insurance Premiums Regulation (AIPR)
• Interpretation Bulletin 03-2020: Best Terms Pricing (to all licensed property insurers underwriting condominium corporation insurance policies in Alberta) – effective December 1, 2020
• Interpretation Bulletin 02-2020: Automobile Insurance Reform Measures – November 13, 2020
• Interpretation Bulletin 01-2020: Minor Injury Regulation – Annual Increase in Amount for Non-pecuniary Damages – November 9, 2020. Effective January 1, 2021, replaced 12-2019.

Issued in 2019

• Interpretation Bulletin 12-2019: Minor Injury Regulation – Annual Increase in Amount for Non-pecuniary Damages – November 25, 2019. Effective January 1, 2020, replaced 10-2018.
• Notice 11-2019: Updated or new Standard Endorsement Forms (SEFs) – November 18, 2019
  Effective November 14, 2019, the following SEFs are authorized for use in Alberta:
  • SEF #28a – Reduction of Coverage as Respects to Operation on Airport Property (revised)
  • SEF #28b – Reimbursement of Claim Paid on Airport Property (new)
• Notice 10-2019: Updated or new Standard Endorsement Forms (SEFs) – November 18, 2019
  Effective November 14, 2019, the following SEFs are authorized for use in Alberta:
  • SEF #21a – Monthly Reporting Basis Fleet Endorsement (revised)
  • SEF #21b – Blanket Basis Fleet Endorsement (revised)
  • SEF #21c – Monthly Reporting Basis Fleet Omission Endorsement (new)
  • SEF #21d – Blanket Basis Fleet Omission Endorsement (new)
• Notice 09-2019: Regulatory Amendments – Insurance Agents and Adjusters Amendment Regulation and Fair Practices Amendment Regulation – October 10, 2019
• Notice 08-2019: Private Passenger Vehicle Usage Based Insurance Implementation Process – revoked effective December 11, 2020
  • Note: this notice was revoked (see Notice 05-2020: Revoking previous Notices on Rating Territories and Usage Based Insurance for Private Passenger Vehicles – effective December 11, 2020
• Interpretation Bulletin 07-2019: Summing Convictions or Accidents/Claims Across Operators – October 4, 2019
• Interpretation Bulletin 06-2019: Use of Not At-fault and At-Fault Claims/Accidents – October 4, 2019
• Interpretation Bulletin 05-2019: Approved Form of Electronic and Paper Financial Responsibility Card (Pink Card) – updated August 22, 2019
  • See related news release: Modernizing auto insurance.
  • This bulletin replaces the previous Bulletin 01-2015 effective August 12, 2019.
• Notice 04-2019: Standard Endorsement Form 35 (SEF #35) Emergency Service Expense Endorsement – July 4, 2019
  • Effective June 24, 2019, SEF #35 is authorized for use in Alberta.
• Notice 03-2019: Electronic Certified Examiner Selection Process – June 30, 2019
• Interpretation Bulletin 02-2019: Adoption of Canadian Council of Insurance Regulators (CCIR) / Canadian Insurance Services Regulatory Organizations (CISRO) Fair Treatment of Customers Guidance – June 11, 2019
• Notice 01-2019 : Standard Endorsement Form 39b (SEF #39b) – Designated Operator Traffic Safety Conviction Rating Waiver Endorsement – March 13, 2019
  • Effective March 13, 2019, SEF #39b is authorized for use in Alberta.

Issued in 2018

• Interpretation Bulletin 10-2018: Minor Injury Regulation – Annual Increase in Amount for Non-pecuniary Damages – December 14, 2018. Effective January 1, 2019, replaced 03-2017.
• Interpretation Bulletin 09-2018: Fees and Disbursements for Accident Benefit Claims – September 18, 2018
• Notice 08-2018: Updated Diagnostic and Treatment Protocols Regulation (DPTR) Interpretative Guide – August 23, 2018
  • Superseded by: Guideline 03-2024: Diagnostic and Treatment Protocols Regulation (DPTR) Interpretative Guideline – April 10, 2024
• Notice 07-2018: Alberta Launches Electronic Administrative Cost Recovery Invoice – August 21, 2018
• Notice 06-2018: Alberta Automobile Insurance Claims and Costs Study Request for Proposal – July 19, 2018
• Notice 05-2018: Updated Automobile Insurance Motor Vehicle Inspection Report – May 29, 2018
• Notice 04-2018: Clarification of Minor Injury Regulation – May 17, 2018
  • see related news release: Keeping auto insurance affordable
• Notice 03-2018: Successful Vendor of the Automobile Insurance Rate Board Review – April 24, 2018
• Notice 02-2018: Wood Buffalo Wildfire: Statutory Limitation on Property Insurance Claims – March 29, 2018
• Interpretation Bulletin 01-2018: Review of the Automobile Insurance Rate Board – February 14, 2018

Issued in 2017

• Interpretation Bulletin 03-2017: Minor Injury Regulation - Annual Increase in Amount for Non-Pecuniary Damages – December 21, 2017. Effective January 1, 2018, replaced 07-2016.
• Interpretation Bulletin 02-2017: Unlicensed Insurance – October 17, 2017
  • Note: this Bulletin was replaced by Interpretation Bulletin 07-2022: Unlicensed Insurance – effective May 31, 2022 – posted June 7, 2022
• Interpretation Bulletin 01-2017: Updates to Prescribed Automobile Insurance Accident Benefit and Minor Injury Forms – May 9, 2017

Issued in 2017 or earlier

All Superintendent of Insurance Bulletins and Notices are available in the Open Government Portal, including archived:

• 2023 on
• 2017 to 2022
• 2004 to 2016

Superintendent of Insurance Enforcement Activities

To protect consumers and enhance public confidence in insurance, the Superintendent of Insurance monitors, investigates and takes appropriate regulatory action when there is non-compliance with the Insurance Act and Regulations under the Act (see Insurance legislation, orders and agreements).

Regulatory action includes Administrative Penalties, Cease and Desist Orders, Compliance Undertakings and Court Prosecutions. In all cases involving regulatory action, there will be public notification on this web page. Public information notices or news releases may be issued where it is in the public interest to do so.

• Alberta Superintendent of Insurance Enforcement Activities – updated January 2025

Automobile Insurance Rate Board documents

For additional guidance specific to Automobile Insurance, please refer to the documents on the Automobile Insurance Rate Board website.

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Contact

If you have trouble opening fillable PDF forms, see the Forms page for instructions.

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]

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