Saskatchewan changing auto insurance to allow lawsuits against drunk drivers



REGINA _ A new bill is being introduced in Saskatchewan to give families of those killed by a drunk driver the chance to file a lawsuit.

Don McMorris, the minister responsible for Saskatchewan Government Insurance, brought in the bill on Tuesday.

It includes 20 amendments to Automobile Accident Insurance Act.

Crimes triggering a lawsuit will now be expanded to include criminal negligence causing death or bodily harm, criminal negligence causing bodily injury, street racing, or flight from police.

These changes will impact those with no fault, reduced no fault or tort insurance coverage.

The law is expected to be passed during the fall session and come into effect Jan. 1.

Two previously promised recommendations will not become law this year because McMorris says the costs are too high right now.

One is updating amounts paid for living expenses to reflect current market rates, increasing the overall amount available for assistance to those with cognitive impairment and implementing a process for those with no-fault insurance to regularly review the amounts for alignment with market rates.

The other is ending the practice in no-fault coverage of reducing income benefits by the amount a customer receives through Canada Pension Plan disability.

McMorris estimated the cost to implement those recommendations at between $53 and $63 million in the first year with an extra $8 million each year after that.

“That’s a huge cost … we’re not going to back away from it but at this point as a financial decision 1/8we are 3/8 not able to move forward with it,” he said.



WICC celebrates 20 years of fighting cancer


2016 marks the 20th year for the Women In Insurance Cancer Crusade (WICC)’s fight against the disease. Since 1996, thousands of Canadian insurance professionals have raised more than $12.6 million dollars for the Canadian Cancer Society.

To celebrate this milestone, WICC will host its largest ever Relay For Life event in Toronto this Friday. The event will feature a record number of participants and is well on track to reach its goal of raising $421,000 . To date, 47 teams have raised a grand total of $130,486 . One team, Northbridge Insurance leads the pack, raising nearly $18,000 so far.

The WICC Relay For Life raises money to fund lifesaving research. Driven by an aging and growing population, the number of cancer cases in Canada is expected to increase by 40% within 15 years, so supporting the event has never been more urgent.

With only two days left, organizers are calling for a last minute push to put the event over the top. “With the event just around the corner, now is your chance to register or donate. We ask you to invite your colleagues, friends and family to join us in the fight against cancer,” said WICC Relay For Life Co-Chair Shari Dodsworth , Senior Vice President, Sales & Distribution at Northbridge Insurance. “Preventing cancer will benefit everyone – but we have to work together to achieve this goal.”

The WICC Relay For Life will be held at Downsview Park on June 17 from 6 p.m. to midnight . WICC and the Canadian Cancer Society are pleased to present a variety of activities for attendees of all ages including: Zumba, themed laps ( Hawaii , the eighties), a scavenger hunt, prizes and a prop-filled photo booth to create unforgettable memories. The Luminary Ceremony will occur after sunset, and feature heartfelt and hand-written messages on candle-filled bags that line the track and illuminate the path for event participants.

This year’s organizers also have some advice for participants attending the event. “Bring your glow sticks because it’s going to be a lot of fun! Relay For Life isn’t just an opportunity to fund cancer research. It’s a celebration of the lives of those who have won the fight or live on in spirit,” said Maria Dal Cin, Insurance Bureau of Canada (IBC) Team Captain and Senior Vice-President, Operations at IBC.

This industry-hosted event has grown and flourished over the years. “I’m extremely proud of the insurance industry’s commitment to Relay For Life each and every year,” said Paul Martin , Relay For Life Past Co-Chair and President and COO of RRJ Insurance Group. “The growth in participation, sponsorship and fundraising as the years pass is amazing to witness.”

Accept the baton and join the fight against cancer.  To register or donate to the WICC Relay For Life, please visit,

SOURCE Insurance Bureau of Canada

belairdirect tops customer satisfaction among home insurers

belairdirect tops customer satisfaction among home insurers

Canadian homeowner insurance customers in two Canadian regions, Atlantic/Ontario andQuebec, have rated belairdirect highest for its outstanding customer satisfaction, according to the 2016 J.D Power Canadian Home Insurance Study.

belairdirect, which provides comprehensive and innovative car and home insurance solutions directly to the consumer, was acclaimed for its customer experience, scoring highest in two factors for homeowner insurance: policy offerings; and billing and payment. The survey of more than 7,000 home insurance customers was conducted in March and April.

“We are very proud to have reached this highest ranking for customer satisfaction in the Atlantic/Ontario and Quebec regions, considering that this recognition covers all aspects of the customers’ journey,” said Louis Gagnon, President, Service and Distribution, Intact Financial Corporation. “At belairdirect, we pride ourselves on delivering consistent and exceptional service with simple and innovative products. This is an integral part of our business strategy and we are honoured that our clientele has recognized it.”

About belairdirect

Founded in Quebec in 1955, belairdirect provides car and home insurance products directly to consumers. It currently employs more than 1,600 people. The company offers a simple but complete solution, allowing customers to communicate with an agent by phone, online or in person through its network of branches. belairdirect was the first property and casualty insurer in the world to sell car insurance products online (, attesting to the company’s innovative character. belairdirect is a subsidiary of Intact Financial Corporation, the largest provider of property and casualty insurance in Canada (TSX : IFC – For more information, please visit or follow belairdirect on Facebook, Instagram and Twitter.


SOURCE Belairdirect

New Management Structure at Desjardins

Press Release:

Desjardins Group, the leading cooperative financial group in Canada, reveals the new management team tasked with helping President and CEO Guy Cormier fulfill his goal to once again make Desjardins everyone’s number one choice. To make this happen, the organization will be pursuing three ambitions, which are to reconnect Desjardins with its purpose, harness its full potential and invest in people first. Desjardins wants to be known for being simple to do business with, people-focused, modern and high-performing.

Appointment of Denis Berthiaume
Desjardins announces the appointment of Denis Berthiaume to the position of Senior Executive Vice-President and Chief Operating Officer. Reporting directly to the President and CEO, his mandate will be to supervise Desjardins Group’s overall operations. Mr. Berthiaume will continue to act as Senior Vice-President and General Manager of Wealth Management and Life and Health Insurance, a position he has held since 2011, on an interim basis until his successor has been appointed. “Over the course of his career with Desjardins, Denis has taken on key management roles, with Desjardins Financial Security in particular. He’s a team player and I have great faith in his ability to carry out the mandate I’ve given him,” said Guy Cormier.

“As President and CEO, I want to first and foremost focus my attention on defining our cooperative’s key priorities and mobilizing our people – the elected officers and employees who help keep our cooperative moving forward each day. I’m also going to make sure we continue to fulfill our role as a socio-economic leader in Quebec, Ontario and the rest of Canada to the best of our abilities,” added Cormier.

The President and CEO’s responsibilities will therefore also include supervising the teams in charge of officer relations and support, the cooperative difference, internal audit, as well as Desjardins Group strategy and innovation.

Consolidation of expertise supporting the Caisse Network
All employees of the Federation and its subsidiaries involved in the distribution of products and services offered to members of caisses in Quebec and Ontario and to clients in Quebec will be grouped together to promote a better member/client experience. They will be reporting to the new Caisse Network and Member and Client Services Executive Division.

Four other executive divisions will be responsible for designing the offers for the various client groups served by Desjardins Group, thereby also supporting the Caisse Network and the other distribution networks across Canada.

The following appointments were announced today:

  • Éric Lachaîne, Senior Vice-President, Caisse Network and Member and Client Services
  • André Chatelain, Senior Vice-President, Personal Services and Desjardins Group Marketing
  • Marie-Claude Boisvert, Senior Vice-President, Business Services
  • Denis Berthiaume, Senior Vice-President, Wealth Management and Life and Health Insurance (interim)
  • Denis Dubois, Senior Vice-President, Property and Casualty Insurance

Four other executive divisions will oversee support activities under the leadership of:

  • Marie-Huguette Cormier, Senior Vice-President, Human Resources and Communications
  • Réal Bellemare, Senior Vice-President, Finance, Treasury and Administration
  • Francine Champoux, Senior Vice-President, Risk Management
  • Chadi Habib, Senior Vice-President, Information Technology

Finally, Sylvie Paquette and Denis Dubois will serve as co-Presidents of Desjardins General Insurance Group until the end of 2016 to ensure a seamless transition for this business line.

These appointments take effect immediately.

 “I’d like to congratulate my colleagues on the new Desjardins Management Committee and also extend my heartfelt thanks to those who helped manage Desjardins so successfully over the past several years,” concluded Cormier.

About Desjardins
Desjardins Group is the leading cooperative financial group in Canada and the sixth largest cooperative financial group in the world, with assets of $255.1 billion. It has been rated one of the Best Employers in Canada by Aon Hewitt. To meet the diverse needs of its members and clients, Desjardins offers a full range of products and services to individuals and businesses through its extensive distribution network, online platforms and subsidiaries across Canada. Considered North America’s strongest bank according to Bloomberg News, Desjardins has one of the highest capital ratios and credit ratings in the industry.


SOURCE Desjardins Group

Expedited Non-resident Adjuster Licensing Protocol

Due to Wildfires in Northern Alberta, AIC Implementing Expedited Non-resident Adjuster Licensing Protocol

Alberta legislation requires that all independent adjusters must hold a valid adjuster’s certificate of authority in order to act as an adjuster in the Province of Alberta. There are no provisions in the legislation to allow for the issuance of a “temporary” certificate during situations involving storms, flooding or other disasters. Only staff adjusters who are employees of insurance companies are exempt from licensing in Alberta.

The Alberta Insurance Council (“Council”) has put a protocol of procedures in place to expedite the issuance of adjusters’ certificates of authority to non-residents applying as a result of a storm, flooding or other disasters in Alberta.

In circumstances where the Insurance Adjusters’ Council considers it beneficial and necessary to utilize this protocol, Council will exercise the processes described in the document. Council will process properly completed applications on the following basis:

  • without the original non-resident endorsement if the applicant holds a valid adjuster’s certificate in their resident jurisdiction where the Council can confirm their licensing status on the web site of their resident licensing authority;
  • without the criminal record check on the assurance that a criminal record check will be provided within 60 days of the issuance of the certificate.

The application process is an on-line process that requires the applicant to:

  1. obtain a CIPR number,
  2. logon to the AIC web site and apply on-line, and
  3. have the Designated Representative approve and submit the on-line application to the Council for processing. A fee payment must be included.

In order for the Council to assess an applicant’s eligibility to qualify for an Alberta Level 2 or 3 Adjuster’s certificate, we require a transcript from the Insurance Institute of Canada of the courses the applicant completed. In addition we must receive proof that the applicant holds an Associate, Fellow, CIP or FCIP designation as well as a short one-page summary detailing the applicant’s adjusting experience. If you are unable to provide this information at the time of application, the Council will issue a certificate as a Level 1 adjuster in order to expedite the issuance of the certificate. An application to upgrade a certificate at a later date may be made upon submission of the appropriate documentation and a $25 upgrade fee.

If you have any questions, please contact Sylvia Boyetchko, Director of Licensing at 1-780-421-4148.

Retail sales tax to be added to insurance on July 1

Press Release:

In the recent provincial budget, the Newfoundland and Labrador government introduced a new 15% retail sales tax on home, auto and business insurance policies. Effective July 1, 2016, all new or renewing insurance policies in the province will be subject to this tax. In addition, the existing government tax that is paid on insurance premiums will increase by 1%.

“This is a tax and not an increase on insurance premiums,” said Amanda Dean, Vice-President, Atlantic, IBC. “Knowing the financial strain this will add to Newfoundlanders and Labradorians, customers are encouraged to talk to their insurance representative about options that might be available such as discounts for combining home and auto coverage, or for having security and safety features.”

IBC recommends that customers speak with their insurance representative if they have questions about their individual policies.

Also challenging in Newfoundland and Labrador is that the number of auto insurance claims continues to rise, and claims have been getting more expensive. Between 2004 and 2014, the average increase in claims costs per vehicle was 41% in Newfoundland andLabrador, compared with 20% in New Brunswick, 10% in Nova Scotia and 0% in Prince Edward Island.

The property and casualty insurance industry looks forward to reviewing the auto insurance product in Newfoundland and Labrador to find ways to rein in costs for drivers in the province.

About Insurance Bureau of Canada
Insurance Bureau of Canada (IBC) is the national industry association representing Canada’s private home, auto and business insurers. Its member companies make up 90% of the property and casualty (P&C) insurance market in Canada. For more than 50 years, IBC has worked with governments across the country to help make affordable home, auto and business insurance available for all Canadians. IBC supports the vision of consumers and governments trusting, valuing and supporting the private P&C insurance industry. It champions key issues and helps educate consumers on how best to protect their homes, cars, businesses and properties.

P&C insurance touches the lives of nearly every Canadian and plays a critical role in keeping businesses safe and the Canadian economy strong. It employs more than 120,000 Canadians, pays $8.2 billion in taxes and has a total premium base of $49 billion.

For media releases and more information, visit IBC’s Media Centre at Follow IBC on Twitter @InsuranceBureau and @IBC_Atlantic or like us on Facebook. If you have a question about home, auto or business insurance, contact IBC’s Consumer Information Centre at 1-844-2ask-IBC.

If you require more information, IBC spokespeople are available to discuss the details in this media release.

SOURCE Insurance Bureau of Canada

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