Automobile Insurance 2022

Automobile Insurance


In Alberta, basic insurance (accident and liability insurance) is required by law. Additional insurance coverage (eg comprehensive and comprehensive) is not required by law.

To ensure that basic services are affordable and accessible, Alberta has set a maximum amount that can be charged for basic services. While no maximum additional coverage is set as it is not required by law, the Motor Insurance Rates Council (AIRB) regulates car insurance rates in Alberta. AIRB approves all assessment programs for insurance companies selling basic and supplementary insurance to Albertans. AIRB has the legal authority to approve, reject, or request changes to submissions to the Alberta Motor Insurance Company award rating program. Visit the auto insurance rate board website for more information.

Insurance Rating Factors

Framework The Car Insurance Rating Factors Framework is used by insurance inspectors to make decisions about which auto insurance rating factors are acceptable in Alberta. It is also intended to promote openness and transparency about the decision-making process for both insurance companies and Albertans.

Policy, Certificate and Application Form

: Direct Compensation for Property Damage (DCPD)

The description of the changes that will take effect on January 1, 2022 are as follows (starting October 20, 2021):

New version (effective January 1, 2022) and the previous version



can be used by any insurance company licensed to cover a class of auto insurance in Alberta. Unauthorized use of vehicle insurance assistance is a criminal offense under the Insurance Act and may result in criminal prosecution or administrative penalties.

All standard auto insurance forms are also commercially available through InformCo (/). Disclaimer: Links to other sites are provided solely for your convenience. The government of Alberta does not control, endorse or guarantee the accuracy, completeness, efficiency or timeliness of other sites and is not responsible for the privacy practices of other sites. Read our full disclaimer.

About Endorsement

Endorsements (also known as tabs) modify existing insurance contracts by adding, removing, excluding or changing the original policy. In Alberta, motorcycle affiliation forms fall into two categories:

1. Standard Confirmation Forms (SEF) approved for use by the Insurance Regulatory Authority; and

2. Conditionally Approved Endorsement (CAE) is a form of non-standard endorsement that is approved by insurance regulators to be used by certain insurance companies that want to meet the specific needs of their clients.

As per Section 551 of the Insurance Act: "No insurance company may use any application form, policy, supplement or revaluation or renewal of certificate relating to vehicle insurance other than the form approved by the Insurance Regulator."


The following list of certificates does not include the CAEs that are permitted to be used by individual insurance companies. The Bulletin (PDF, 76 KB) describes the information insurance companies need for consideration by insurance regulators to approve CAEs. A copy of the CAE can be obtained directly from the insurance company. If you would like to verify whether a non-standard CAE has been approved for use by insurance regulators, please contact us.

Use of the Alberta Approved Standard Attestation Form (SEF)

This supplement may be used by any insurance company authorized to cover a class of auto insurance in Alberta. Unauthorized use of vehicle insurance assistance is a criminal offense under the Insurance Act and may result in criminal prosecution or administrative penalties.

Please note: only the support listed below is available & Nbsp; To obtain additional copies of the support form, please contact your insurance agent, insurance form provider, or email our office at [email protected].

List of insurance companies, including contact information.


See Insurance Consumer Complaints for information on policy claims or complaints, including dispute resolution processes, complaints about insurance behavior and information about the insurance industry.

Forms View

insurance forms for:

* Accident and Minor Injury Insurance forms and registrations



itself: If you use an online or mobile app to book a ride-sharing service

or Tapp Car), you may not have access to insurance coverage, accident or damage benefits according to Alberta law.

Always protect yourself and book your trip through the online or mobile application of the travel service.

Standard Car Insurance Policy -


Transportation Network Company Operating Company Insurance in Alberta

information on driver and vehicle registration and registration requirements for transport network companies operating in Alberta, see Ride-for-Hire Services.

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