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For Drivers

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.

Right to be informed Right to timely and transparent claims handling Right to complaint resolution Right to professional service Right to privacy Responsibility to ask questions and share information Responsibility to report the facts Responsibility to resolve disputes
Right to be informed

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.

Right to timely and transparent claims handling

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

Right to complaint resolution

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.

Right to professional service

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

Right to privacy

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.

Responsibility to ask questions and share information

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.

Responsibility to report the facts

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

Responsibility to resolve disputes

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