Insurance Bulletins, Notices and Enforcement Activities
Superintendent of Insurance Bulletins and Notices
On this page
Following are links to all Bulletins and Notices issued by the Office of the Superintendent of Insurance. Most are directed to insurance companies licensed to operate in Alberta. They will also be of interest to health care practitioners.
Please visit the Information for Health Care Practitioners and Information for Insurers pages for effective and archived bulletins which specifically apply to those groups.
See below for Superintendent of Insurance Enforcement Activities.
Superintendent of Insurance Bulletins
and Notices Released in 2012
| Bulletin / Notice No. and Title | pdf |
Released mm/dd/yy |
02-2012: The Alberta Standard Automobile Insurance Policy (SPF # 1) used in Alberta has been revised to reflect the changes which will become effective July 1, 2012 with the implementation of the Insurance Amendment Act, 2008. See also: Section 556 (statutory conditions). |
05/17/12 |
|
01-2012: Automobile Insurance Motor Vehicle Inspection Report - effective May 1, 2012 (replaces 06-2005) |
01/19/12 |
Superintendent of Insurance Bulletins
and Notices Released in 2011
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
04-2011: Minor Injury Regulation amendment - effective January 1, 2012 (replaces 01-2011) |
11/29/11 |
|
03-2011: Automobile Insurance Premium Arrears Limitation Period |
10/26/11 |
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02-2011: Rating Program Guidelines in Alberta - effective April 11, 2011 |
04/11/11 |
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01-2011: Minor Injury Regulation amendment - effective January 1, 2011 - replaced by 04-2011 effective January 1, 2012 |
01/04/11 |
Superintendent of Insurance Bulletins and Notices Released in 2010
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
01-2010: Miscellaneous
Provisions Amendment Regulation: |
11/30/10 |
Superintendent of Insurance Bulletins and Notices Released in 2009
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 04-2009: Minor Injury Regulation amendment - effective January 1, 2010 - replaced by 01/2011 effective January 1, 2011 | 12/16/09
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| 03-2009: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective August 1, 2009 | 07/21/09
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| 02-2009: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective August 1, 2009 | 07/21/09
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| 01-2009: Minor Injury Regulation amendment - effective January 1, 2009 - replaced by 04/2009 effective January 1, 2010 | 02/13/09 |
Superintendent of Insurance Bulletins and Notices Released in 2008
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 04-2008: Insurance Companies Use of Credit Score | 12/16/08
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| 03-2008: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - Effective June 1, 2008 (replaced by 03/2009 effective August 1, 2009) | 05/26/08
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| 02-2008: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - Effective June 1, 2008 (replaced by 02/2009 effective August 1, 2009) | 05/26/08
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| Notice: To mortgage insurers concerning unfair practice under the Insurance Act | 05/07/08
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| 01-2008: Decision on the Constitutional Challenge to the Minor Injury Regulation | 02/11/08
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Superintendent of Insurance Bulletins and Notices Released in 2007
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 07-2007: Standard Garage Automobile Insurance Renewal Certificate (SRC No. 4) - effective April 1, 2008 | 12/12/07
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| 06-2007:
Updates to forms prescribed pursuant to the Minor Injury Regulation |
12/07/07
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| 05-2007: Minor Injury Regulation amendment - effective January 1, 2008 - replaced by 01/2009 effective January 1, 2009 | 12/03/07
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| 04-2007:
Standard Garage Automobile Application Form (S.A.F. #4) and
Standard Garage Automobile Policy Form (S.P.F. # 4) - Effective
September 1, 2007 |
06/14/07
|
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| 03-2007: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective June 1, 2007 to May 31, 2008 (replaced by 03/2008 effective June 1, 2008) | 03/30/07
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| 02-2007: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective June 1, 2007 to May 31, 2008 (replaced by 02/2008 effective June 1, 2008 | 03/30/07
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| 01-2007: Determining Years of Driving Record Following a Lapse in Automobile Insurance Coverage | 01/10/07
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Superintendent of Insurance Bulletins and Notices Released in 2006
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 01-2006: Minor Injury Regulation amendment - Amount effective January 1, 2007- replaced by 05/2007 effective January 1, 2008 | 11/20/06
|
Superintendent of Insurance Bulletins and Notices Released in 2005
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 08-2005: Automobile Insurance Update - As part of our ongoing review of the process and requirements for diagnosing, treating and making claims under automobile insurance regulations, this Information Bulletin highlights important changes and reminders. | 11/10/05
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| 07-2005: Superintendent
of Insurance Bulletin --> - New Automobile Insurance Application Form (SAF No. 1) approved for use in Alberta, effective January 1, 2006 --> |
07/22/05
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| 06-2005: Adverse Contractual Action Regulation (and Automobile Insurance Motor Vehicle Inspection Report Form, to be completed by a licensed mechanic if the vehicle is 12 years or older) - replaced by 01-2012, effective January 2012. | 06/15/05
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| 05-2005: Equalization of Automobile Insurance Rating Programs | 05/12/05
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| 04-2005: Notice of Fees & Disbursements for Chiropractic Services under the Insurance Act - effective April 14, 2005 to May 31, 2007 - replaced by 02/2008 effective June 1, 2008 |
04/08/05 |
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| 03-2005: Notice of Fees & Disbursements for Physical Therapy Services under the Insurance Act - effective April 14, 2005 to May 31, 2007 - replaced by 03/2008 effective June 1, 2008 |
04/08/05 |
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| 02-2005: Diagnosis & Treatment Protocol Forms; Injury Management Consultant (IMC); Differences in Diagnosis; Whiplash Associated Disorder (WAD); Number of Treatment Visits |
03/16/05 |
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01-2005: Notice of Fees & Disbursements for services related to the diagnostic & treatment protocols regulation & the minor injury regulation |
01/17/05 |
Superintendent of Insurance Bulletins and Notices Released in 2004
| Bulletin / Notice No. and Title |
pdf |
Released mm/dd/yy |
| 03-2004: Complaint Resolution Regulation |
12/21/04 |
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| 02-2004: Interpretation on use of S.E.F. No. 6a - Permission to Carry Passengers For Compensation Endorsement |
11/25/04 |
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| 01-2004: Insurance Act Section 613.1 - Adverse Contractual Actions & Fair Practices Regulation |
10/06/04 |
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.
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 page of Alberta Treasury Board and Finance's website and public information notices or news releases may be issued where it is in the public interest to do so.
Ministerial Cease and Desist Orders
| Orders under s.764 of Alberta Insurance Act, R.S.A. 2000, c.1-3: |
pdf |
Date mm/dd/yy |
| State Farm Mutual Automobile Insurance Company | 12/09/05 |
|
Centennial Insurance Company |
11/29/04 |
|
| Puget's Sound Agricultural Society |
03/27/02 |
Superintendent of Insurance Enforcement Activities in 2012
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
Information |
$ amount |
date |
Superintendent of Insurance Enforcement Activities in 2011
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
Canadian Direct Insurance Incorporated - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1 of the Insurance Act |
$ 250,000 |
12/08/11 |
Millennium Insurance Corporation - Charging private passenger automobile insurance premiums in excess of approved rates - section 659 of the Insurance Act. |
$ 25,000 |
09/30/11 |
Security National Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659 of the Insurance Act. |
$ 10,000 |
09/15/11 |
Primmum Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659 of the Insurance Act. |
$ 10,000 |
09/15/11 |
TD Home and Auto Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659 of the Insurance Act. |
$ 10,000 |
09/15/11 |
Royal & Sun Alliance Insurance Company of Canada - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1 of the Insurance Act. |
$ 130,000 |
05/11/11 |
Alberta Motor Association Insurance Company - for entering into a prohibited related party transaction in contravention of section 437 of the Insurance Act. |
$ 25,000 |
03/29/11 |
| Cumis Life Insurance Company - Compensating an unauthorized insurance agent - Section 452(5) of the Insurance Act. | $ 1,000 |
01/27/11 |
Superintendent of Insurance Enforcement Activities in 2010
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| The Nordic Insurance Company of Canada - Non-compliance with Superintendent of Insurance Bulletin 01/07 – Lapse In Coverage. Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $ 15,000
|
07/16/10
|
| Economical Mutual Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659 | $25,000 |
07/16/10 |
| William T. Grieve knowingly authorized, permitted or acquiesced in the making of prohibited related party transactions within the meaning of section 785 of the Insurance Act thereby contravening section 437 of the Insurance Act. | $ 50,000
|
06/08/10
|
| Cumis Life Insurance Company - Compensating three unauthorized insurance agents - sections 499(1) and 452(5) of the Insurance Act | $3,000 |
01/01/10 |
Superintendent of Insurance Enforcement Activities in 2009
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| Peace Hills General
Insurance Company - Charging private passenger automobile
insurance premiums in excess of approved rates - Section 659.
|
$10,000
|
11/16/09
|
| Western Life Assurance Company - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). | $2,000
|
08/25/09
|
| Intact Insurance Company
- Compensating an unauthorized insurance agent - Sections
499(1) and 452(5). |
$2,500
|
08/25/09
|
| ACE INA Life Insurance - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). | $1,000
|
08/25/09
|
| Transamerica Life Canada – 08/25/09 Administrative penalty rescinded. Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). | $1,000 |
09/05/11 |
| Transamerica Life Canada
- Compensating an unauthorized insurance agent - Sections
499(1) and 452(5). |
$4,000
|
08/25/09
|
| Saskatchewan Mutual Insurance Company - Compensating an unauthorized insurance agent - Sections 499(1) and 452(5). | $1,000
|
08/25/09
|
| Security National Insurance
Company - Charging private passenger automobile insurance
premiums in excess of approved rates - section 659. |
$75,000
|
07/08/09
|
| Lombard General Insurance
Company of Canada - Refused to renew private passenger
automobile insurance policies - section
613.1. |
$32,500
|
04/17/09
|
| Royal & Sun Alliance Insurance Company of Canada - Use of non-approved endorsements - section 610(1). | $15,000
|
04/17/09
|
| Industrial Alliance Pacific Insurance and Financial Services Inc. – Compensating an unauthorized insurance agent – sections 499(1) and 452(5). | $2,500
|
03/16/09
|
| Co-operators General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. | $10,000
|
03/06/09
|
| Industrial Alliance Pacific Insurance and Financial Services Inc. - Compensating an unauthorized insurance agent - sections 499(1) and 452 (5). | $2,500
|
02/04/09
|
| The Manufacturers Life Insurance Company - Compensating an unauthorized insurance agent - sections 499(1) and 452 (5). | $5,000
|
02/03/09
|
Superintendent of Insurance Enforcement Activities in 2008
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| RBC Insurance Company of Canada - Compensating three unauthorized insurance agents - section 499(1) and 452 (5). | $3,000
|
12/18/08
|
| Coseco Insurance Company - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1. | $44,000
|
10/10/08
|
| Cumis General Insurance Company - Refused to issue, renew or cancel private passenger automobile insurance policies - Section 613.1. | $46,000
|
10/10/08
|
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - Section 659. | $15,000
|
10/07/08
|
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - Section 659. | $2,500
|
10/07/08
|
| American Home Assurance Company - Compensating an unauthorized insurance agent for 5 years - section 499(1). | $25,000
|
08/08/08
|
| Lloyd's Underwriters - Compensating an unlicensed agent - section 499. | $3,000
|
08/08/08
|
| Mennonite Mutual Insurance Company (Alberta) Ltd. - Failing to report a change in the board of directors - section 45. | $1,000
|
07/21/08
|
| Lombard General Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). | $1,000
|
01/18/08
|
Superintendent of Insurance Enforcement Activities in 2007
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| ING Insurance Company of Canada - Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1. |
$114,000 |
12/06/07 |
| Unifund Insurance Company - Improper cancellation of, and failure to renew private passenger automobile insurance policies - section 613.1. |
$94,000 |
12/06/07 |
| Manufacturers Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/14/07 |
| Co-operators Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/11/07 |
| Markel Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$60,000 |
08/28/07 |
| ING Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$5,000 |
08/03/07 |
| ING Novex Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$1,000 |
08/03/07 |
| Cumis Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$20,000 |
07/16/07 |
| Coseco Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$10,000 |
07/16/07 |
| Jevco Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$14,000 |
07/16/07 |
| First Canadian Insurance Company - Holding shares in excess of the regulated amount - section 428. |
$10,000 |
07/13/07 |
| Millennium Insurance Company - Holding shares in excess of the regulated amount - section 428. |
$10,000 |
07/13/07 |
| State Farm Mutual Automobile Insurance - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$11,000 |
06/09/07 |
| Kingsway General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$30,000 |
04/20/07 |
| Millennium Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$5,000 |
03/29/07 |
| Certas Direct Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$5,000 |
03/12/07 |
| The Personal Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$5,000 |
03/12/07 |
Superintendent of Insurance Enforcement Activities in 2006
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| Trans Global Life Insurance Company - Failing to report a change in the board of directors - section 45. |
$1,000 |
12/07/06 |
| Trans Global Life Insurance Company - Failing to report a change in the board of directors - section 45. |
$1,000 |
12/07/06 |
| St. Paul Guarantee Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
10/17/06 |
| Western Life Assurance Company - Transacting a class of insurance business for which they were not authorized, contrary to section 18(2). |
$5,000 |
10/17/06 |
| Coseco General Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$15,000 |
10/17/06 |
| Unity Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
10/12/06 |
| State Farm Mutual Automobile Insurance Company - Charging private passenger automobile insurance premiums in excess of approved rates - section 659. |
$45,000 |
10/10/06 |
| Aviva Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Innovative Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Economical Mutual Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Perth Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Pembridge Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Kingsway General Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| Peace Hills Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| ING Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
08/02/06 |
| CIGNA Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
06/19/06 |
| Reliable Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). | $1,000 |
03/27/06 |
Superintendent of Insurance Enforcement Activities in 2005
| Administrative
Penalty issued to; Violation and section of the Insurance Act |
Total Amount |
Date mm/dd/yy |
| Millennium Insurance Corporation - Compensating an unauthorized insurance agent - section 499(1). |
$4,000 |
09/22/05 |
| Old Republic Insurance Company of Canada - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/22/05 |
| Sovereign General Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$2,000 |
09/22/05 |
| American Bankers Insurance Company of Florida - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/22/05 |
| Canada Life Assurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/22/05 |
| CIGNA Life Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$1,000 |
09/22/05 |
| Motors Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$2,000 |
09/22/05 |
| St. Paul Guarantee Insurance Company - Compensating an unauthorized insurance agent - section 499(1). |
$3,000 |
09/22/05 |
| Life Investors Insurance Company of America - Compensating an unauthorized insurance agent - section 499(1). |
$4,000 |
09/22/05 |
| Traders General Insurance Company - Failing to provide premium refunds, which is a violation of sections 2 and 3 of the Automobile Insurance Premiums Regulation. |
$20,000 |
05/31/05 |
Page last updated:
May 20, 2012
