Overview
In Alberta, basic automobile insurance (accident benefits and third party liability) is required by law. Additional insurance coverage (such as collision and comprehensive) is not required by law.
In order to ensure basic coverage is affordable and accessible, Alberta has established a maximum amount that can be charged for basic coverage. While there is no maximum amount set for additional coverage because it is not mandated by law, the Automobile Insurance Rate Board (AIRB) regulates automobile insurance rates in Alberta. The AIRB approves all rating programs for insurers selling basic and additional coverage to Albertans. The AIRB has statutory authority to approve, reject or require changes to Alberta automobile insurance companies’ premium rating program filings. For more information, please see the Automobile Insurance Rate Board website.
Automobile Insurance Rating Factors Framework
The Automobile Insurance Rating Factors Framework is used by the Superintendent of Insurance to inform decisions on what automobile insurance rating factors to allow for use in Alberta. It is also intended to promote openness and transparency about the decision making process for both insurers and Albertans.
Policies, certificates and application forms
Notice and Bulletin: Direct Compensation for Property Damage (DCPD)
For an explanation of the changes effective January 1, 2022, see the following (posted October 20, 2021):
New versions (effective January 1, 2022) and previous versions
Archived
Endorsements
The following endorsements may be used by any insurance company licensed to underwrite the class of automobile insurance in Alberta. The use of non-approved automobile insurance endorsements is an offence under the Insurance Act and is subject to prosecution or an administrative penalty.
All standard automobile insurance forms are also commercially available through InformCo (/). Disclaimer: Links to other websites are provided solely for your convenience. The Government of Alberta does not control, endorse, or guarantee the accuracy, completeness, efficacy and timeliness of other websites, and is not responsible for the privacy practices of other websites. Read our complete disclaimer.
About endorsements
Endorsements (also referred to as riders) amend an existing insurance contract by adding, deleting, excluding or otherwise altering the scope of the original policy. In Alberta, automobile policy endorsement forms are separated into 2 categories:
- Standard Endorsement Forms (SEF) that have been approved for use by the Superintendent of Insurance; and
- Conditionally Approved Endorsements (CAE) that are non-standard endorsement forms approved by the Superintendent of Insurance for use by a particular insurance company wishing to address specific needs of its clients.
Pursuant to section 551 of the Insurance Act: “No insurer may use a form of application, policy, endorsement, or renewal or continuation certificate in respect to automobile insurance other than a form approved by the Superintendent of Insurance”.
About Conditionally Approved Endorsements (CAEs)
The following endorsement list does not include CAEs for which individual insurers have received approval to use. Bulletin (PDF, 76 KB) describes the information required from an insurer in order for the Superintendent of Insurance to consider approving a CAE. Copies of CAEs are available from insurers directly. If you wish to confirm whether a non-standard CAE has been approved for use by the Superintendent of Insurance, please contact us.
Standard Endorsement Forms (SEFs) approved for use in Alberta
These endorsements may be used by any insurance company licensed to underwrite the class of automobile insurance in Alberta. The use of non-approved automobile insurance endorsements is an offence under the Insurance Act and is subject to prosecution or an administrative penalty.
Please note: only the endorsements below are available. To receive a copy of other endorsement forms, please contact your insurance agent, your insurance forms provider, or email our office at [email protected].
Insurance company lists, including contact information
Complaints
See Insurance consumer complaints for information on claim or policy complaints including the Dispute Resolution Process, insurance conduct complaints and insurance industry information.
Forms
See Insurance forms for:
- Accident Benefit Claim and Minor Injury Prescribed Forms and registers
- Motor vehicle inspection report form
Ride-for-hire services
Protect yourself: use online or mobile apps to order ride-for-hire services
If you street-hail an app-based ride-for-hire service (like Uber or Tapp Car), you may not have access to insurance protection, accident benefits or compensation for injuries under Alberta law.
Always protect yourself and order your ride through the ride-for-hire service’s online or mobile app.
Standard automobile insurance policy – Transportation Network Companies
Insurance background information
Operating Transportation Network Companies in Alberta
For information on driver and vehicle registration and recordkeeping requirements for transportation network companies operating in Alberta, see Ride-for-hire services.
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