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Let’s say you’ve made a claim on your home insurance after a tree fell on your roof during a storm. The contractor has come and gone but you’re not happy.
What do you do?
The Insurance Bureau of Canada (IBC) offers this advice on addressing an insurance dispute:
Next steps
IBC says if you have a complaint about your insurer or insurance professional, there are a number of actions you can take to be sure you’re heard and that your issue is resolved.
IBC says you can also contact their Consumer Information Centre or call 1-844-227-5422. Their staff are experienced and can answer general insurance questions about:
Keep in mind, the Consumer Information Centre is unable to provide legal advice.
Inquiries can also be directed to the General Insurance OmbudService (GIO) at 1-877-225-0446. If your matter is not resolved with your insurer’s complaints liaison officer, request a final position letter and contact GIO.
The GIO is an independent consumer dispute resolution system for the insurance industry. Its members include most federally licensed and several provincially incorporated insurers. GIO helps resolve differences about claims-related matters and interpretation of policy coverage in a fair, independent and impartial environment.
To find out if your insurer is a member look here.
If your dispute is not resolved by GIO or your insurer is not a member of GIO, get in touch with a Superintendent of Insurance in your province.
The provincial and territorial insurance regulators are:
Federal Government of Canada
Part of the role of the Financial Consumer Agency of Canada (FCAC) is to ensure that financial institutions have a complaint-handling process. If you have difficulty finding out about your institution’s complaint-handling process or if you’re experiencing delays, contact FCAC. Keep in mind that the FCAC does not provide redress or compensation and cannot get involved in individual disputes.
Learn more about filing a complaint with FCAC or call 1-866-461-3222.
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