Consumer Rights and Responsibilities

Insurance companies, brokers, agents, and the government all play important roles in protecting your rights. By knowing your rights and fulfilling your responsibilities, you help ensure you get the coverage and service you need.

Consumer Rights and Responsibilities

You deserve clear info about your policy, coverage, and how claims are handled. This includes understanding how your premium is calculated and being notified of any policy changes at least 15 days before they take effect. You should also get your renewal terms at least 30 days before your policy expires. If you’re curious about how your broker or agent is compensated, just ask—they’ll provide the details.

Expect prompt responses and clear updates on your claim’s status. If a claim is denied, you have the right to know why.

If you’re unhappy with the service, you can access your insurance company’s complaint resolution process. For disputes about claims, you can turn to the independent General Insurance OmbudService.

You should receive service from knowledgeable and ethical insurance professionals who act with honesty, integrity, and fairness.

Your personal information will be used only for the purposes stated in the privacy policy provided by your insurance company, broker, or agent. Your info is protected under Alberta’s privacy laws.

To get the best coverage at a competitive price, ask questions about your policy and make sure you understand it. Keep your insurance company, broker, or agent informed about any changes in your circumstances.

Report accidents or claims with complete and accurate details as soon as possible.

Approach the dispute resolution process with good faith, provide necessary information promptly, and be open to recommendations from independent mediators.