Left Navigation Dispute Resolution You have options when filing a complaint. Start by getting more information from your insurer. Consider contacting the company’s ombudsperson. If your dispute is not resolved, you can contact the General Insurance OmbudService (GIO) or a federal or provincial Superintendent of Insurance. Consider These 4 Steps to Resolve a DisputeIf you have a complaint about your insurer or insurance professional, here’s an overview of options to help ensure your concerns are addressed. Get more information from your insurer. Ask your broker, agent, company representative or claims adjuster for an explanation. Insurance policies are legal contracts that specify the rights and responsibilities of both parties – sometimes misunderstandings arise.If you have further questions, ask to speak with the claim supervisor.You might also contact the IBC Consumer Information Centre. Our independent staff have years of insurance experience and can answer questions about:Technicalities of policy wordings and coverageHow insurance companies handle claimsBuying, renewing or updating insurance coverageHow to proceed with a complaintContact your insurance company's ombudsperson. All licensed insurers have a dispute resolution process and a complaints liaison officer.When you make a complaint:Make your concern clear and clearly state what you expectHave all pertinent information and documentation availableAllow time for your insurer to investigate and answer your complaintMake sure you keep a record of the people you talked to and what was said.Use the General Insurance OmbudService (GIO). If your matter is not resolved with your insurer's complaints liaison officer, request a final position letter and contact GIO. GIO is an independent, regionally based consumer dispute-resolution system for the insurance industry. Its members include most federally licensed and several provincially incorporated insurers. GIO helps you and your insurer resolve differences about claims-related matters and interpretation of policy coverage in a fair, independent and impartial environmentContact a federal or provincial Superintendent of Insurance. If your dispute is not resolved by GIO or if your insurer is not a member of GIO, get in touch with a Superintendent of Insurance. FEDERAL SUPERINTENDENTS/ INSTITUTIONSResponsibilitiesOffice of the Superintendent of Financial Institutions (OSFI) OSFI monitors the financial strength and investment policies of all federally licensed insurers.Property and Casualty Insurance Compensation Corporation (PACICC) While insurance company insolvencies are very rare, when they occur, PACICC protects consumers.Financial Consumer Agency of Canada (FCAC) FCAC protects and educates consumers in the area of financial services. FCAC oversees financial institutions to ensure they comply with federal consumer protection measures. PROVINCIAL SUPERINTENDENTS / INSTITUTIONSRESPONSIBILITIES Autorité des marchés financiers (AMF) As an alternative to GIO in Quebec, you may go straight to AMF, the provincial regulator.Canadian Council of Insurance Regulators (CCIR) Provincial insurance regulators work together through CCIR and monitor the solvency of insurers incorporated in their respective provinces. They ensure that insurers’ pricing, underwriting and claims handling practices are fair. They also handle complaints, mediations and arbitrations and issue fines.British ColumbiaAlbertaSaskatchewanManitobaOntarioQuebecNew BrunswickNova ScotiaPrince Edward IslandNewfoundland and LabradorNorthwest TerritoriesYukonNunavutThis is a list of superintendents of insurance, advocates and others who will help address your concerns. Alberta, Ontario, New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland and LabradorThese provinces also have provincial rate boards to regulate and guarantee that auto insurance prices are related to the costs of providing this insurance. Useful LinksHow Insurance WorksInsurers use a pool of many premiums to pay for the home, auto and business losses of Canadians unfortunate enough to experience a loss. You are covered for losses outlined in your contract only, not for predictable events. How To Buy InsuranceWhen driving a car, buying a home or establishing a business, insurance can give you peace of mind. Learn about the purchasing options available in your province. Buying TipsInsurance is a significant investment. Before you purchase coverage, getting answers to key questions can help you make informed decisions.