Regulatory changes, rate filings, product launches and market moves across Canadian insurance — summarised and analysed daily.
A British Columbia driver is challenging an ICBC decision that placed him at fault after a firetruck struck his vehicle, raising questions about how insurers assess liability in collisions involving emergency vehicles. The case highlights the challenges consumers can encounter when disputing fault determinations with their insurer.
Read the analysis →Manulife is attaching a complimentary international eSIM to its travel insurance policies, expanding beyond traditional coverage to offer travellers mobile connectivity as part of a broader 'travel companion' strategy.
Read the analysis →GreenShield, one of Canada's largest health benefits providers, has announced it is opening its menopause care program to all Canadians at no cost, regardless of whether they hold an existing GreenShield policy. The move broadens access to specialized support that has historically been limited to plan members, marking a notable shift in how menopause-related health services are delivered across the country.
Read the analysis →PLATFORM is extending its life insurance operations into Alberta, supported by two senior executive hires, signalling a strategic move into the Western Canadian market.
Read the analysis →The Insurance Bureau of Canada is pressing federal and provincial governments to take stronger steps on flood prevention, warning that a national flood-risk mapping resource developed for public use has been left largely unused, leaving Canadians in flood-prone regions without clear information about their exposure.
Read the analysis →Manitoba Public Insurance has suspended coverage on roughly 3,000 rideshare vehicles whose drivers were carrying paying passengers under standard personal auto policies. The province's public insurer is enforcing rules that require commercial coverage for any vehicle used in paid passenger transport.
Read the analysis →A Canadian homeowner who was approved for roughly $477,000 to rebuild after a loss reportedly could not find a single contractor willing to take the job at that price. The case underscores a widening gap between what rebuilding-cost calculators say a home is worth to reconstruct and what tradespeople are actually willing to charge in today's market.
Read the analysis →Intact Financial has secured a legal victory in a $161,700 dispute with Tesla related to a Model X fire. The ruling represents a significant outcome in the ongoing tension between insurers and electric vehicle manufacturers over liability for battery-related fires.
Read the analysis →A recent survey reveals that 68% of Canadians worry their retirement savings will run out before they do, highlighting a growing concern about longevity risk across the country. The findings underscore how widespread financial insecurity in retirement is shaping consumer attitudes toward insurance and guaranteed income products.
Read the analysis →A tribunal ruling in Ontario has underscored the risks of insurers relying on generic, template-based claim denials. The decision signals that insurers must back rejections with case-specific reasoning tied to individual policy terms and evidence.
Read the analysis →In a recent legal dispute, ICBC has taken the position that a child who left for school was still considered to be 'at home' for insurance purposes—a surprising interpretation that could affect how families understand their auto coverage. The case highlights how British Columbia's public insurer interprets key policy definitions in personal injury claims.
Read the analysis →Canada Life has introduced a change to its group benefits offering that allows Gen Z employees to direct some of their savings toward short-term financial goals while preserving employer matching contributions earmarked for retirement. The move acknowledges the unique financial pressures facing younger workers who often struggle to balance immediate needs with long-term planning.
Read the analysis →Canada Life has introduced new flexible workplace savings options aimed at Gen Z employees, signaling a broader shift in how group benefits are designed for younger Canadian workers.
Read the analysis →A plaintiff whose crash-related lawsuit was defended successfully by Aviva has filed a new action against the insurer. The case highlights how dismissed claims can resurface in Canadian courts, raising questions about litigation strategy and insurer exposure.
Read the analysis →A claimant's attempt to secure chronic pain benefits from Definity Insurance has been undermined by a missing year of documented doctor visits, highlighting how gaps in medical evidence can derail even seemingly legitimate injury claims.
Read the analysis →A recent legal dispute has resulted in a $4,959.75 insurance claim being denied against Security National after the claimant switched therapists mid-treatment. The case highlights how provider continuity can affect claim outcomes in Canadian insurance disputes.
Read the analysis →A catastrophically impaired claimant has lost their dispute against Intact Insurance regarding treatment costs, with the insurer prevailing on every contested dollar of medical expenses. The ruling highlights the challenges injured claimants face when seeking coverage for disputed treatments under their policies.
Read the analysis →Severe weather that swept through Toronto in September generated approximately $563 million in insured damages, CatIQ reports. The figure adds another costly catastrophe event to Canada's 2024 storm season and underscores growing climate-related risk in urban centres.
Read the analysis →Manitoba Public Insurance is partnering with Mothers Against Drunk Driving to bring road-safety education directly into schools, responding to data that shows young drivers in the province are at elevated risk of impairment-related incidents. The initiative aims to shape attitudes before new drivers hit the road and reinforce the long-term insurance and safety consequences of impaired driving.
Read the analysis →A Canadian insurance legal decision has found Intact Insurance in breach of its good-faith obligations tied to a $74,000 demolition contract. The ruling highlights how insurers handle claim-related demolition approvals, payments, and communication with policyholders.
Read the analysis →A British Columbia court has ruled that appraisal umpires have the authority to resolve disputes over additional living expenses, clarifying the scope of the appraisal process as an alternative to litigation for policyholders and insurers.
Read the analysis →A decision involving Belair Insurance shows that a claimant's year-long pain did not automatically remove them from Ontario's $3,500 Minor Injury Guideline cap. The case underscores that duration alone may not be enough to escape the cap, and claimants usually need medical evidence to show their injury is not minor or that an exception applies.
Read the analysis →A British Columbia driver struck by an at-fault e-scooter rider has been left to cover a $2,500 collision deductible, exposing a coverage gap between traditional auto insurance and the fast-growing micro-mobility segment. The case underscores how ICBC policies can leave motorists financially exposed when the party responsible for a crash rides an uninsured or unclassified device.
Read the analysis →Two of Canada's largest property and casualty insurers, Intact Financial Corporation and Definity Financial Corporation, have collectively absorbed $850 million in catastrophe-related claims during the third quarter. The figure highlights how a single quarter of severe weather can materially reshape insurer earnings and reserves heading into year-end.
Read the analysis →Catastrophe modellers have revised the estimated insured losses from the August storms across Ontario and Quebec to roughly $491 million, with Ottawa's flash flooding driving the increase. The updated figure underscores the growing severity of inland flooding events in Canada's most populous provinces.
Read the analysis →Intact Financial is flagging the potential for a sharp rise in ice storm insurance claims this winter as El Niño conditions take hold across Canada. The warning highlights concerns over freezing rain, ice accumulation, and related property damage heading into the colder months.
Read the analysis →The federal government has shelved its planned expansion of Medical Assistance in Dying (MAID) eligibility to include individuals whose sole underlying condition is mental illness. The delay leaves Canadian life insurers without a clear precedent for how mental-illness-related MAID claims should be treated, keeping underwriting and claims practices in a holding pattern.
Read the analysis →Canadian auto insurer Jevco is once again under fire for how it handles denials tied to its ENTER Benefit feature. The latest incident highlights ongoing concerns about the clarity and fairness of the company's claims communication with policyholders.
Read the analysis →New research from BCHS shows roughly a third of Canadian benefit plan members would be interested in pet insurance offered through their employer, signalling a potential growth area for group benefits packages. The findings highlight how pets are increasingly being viewed as part of the family financial picture.
Read the analysis →The Insurance Bureau of Canada is calling on Quebec's incoming government to appoint a dedicated minister for climate resilience, warning that intensifying weather risks demand stronger coordination between insurers, municipalities, and provincial authorities.
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Severe weather that swept through Toronto in September generated approximately $563 million in insured damages, CatIQ reports. The figure adds another costly catastrophe event to Canada's 2024 storm season and underscores growing climate-related risk in urban centres.
Catastrophe modellers have revised the estimated insured losses from the August storms across Ontario and Quebec to roughly $491 million, with Ottawa's flash flooding driving the increase. The updated figure underscores the growing severity of inland flooding events in Canada's most populous provinces.
A Nor'easter-driven storm surge has battered coastal communities in Atlantic Canada, with damage from rising seawater falling outside the scope of most standard home insurance policies. The event is drawing renewed attention to a long-standing coverage gap, as Canadian home contracts typically exclude overland flooding and tidal surge. Homeowners without specialized endorsements could be left to absorb repair and cleanup costs on their own.
A costly storm season in Ontario has renewed attention on the fact that most standard home insurance policies in Canada exclude overland flood coverage, leaving many homeowners exposed to significant repair and replacement costs after severe weather.
Catastrophe analytics firm CatIQ has placed insured losses from recent Montreal flooding at $442 million, underscoring the scale of one of Quebec's most costly weather events in recent years. The figure continues to climb as adjusters finalize claims, and it highlights growing climate-related risk exposure for Canadian insurers and policyholders.
New AIRB-cited survey data shows a major awareness gap ahead of Alberta's upcoming Care-First auto insurance model, leaving most drivers unprepared for the regulatory transition.
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