Focusing on Compliance: Your Duty to Inform, Explain and Advise
Beginning in 2016,1 during each reference period, certified members will have to take a mandatory course in Compliance developed by the Chambre de l'assurance de dommages (ChAD) worth
2 professional development units (PDUs). The overall objective of this course is to correct recurrent ethical shortcomings that have been observed.
The course given during the 2016-2017 reference period will target the top reason for complaints over the past four years: the failure to inform, explain and properly advise.
Two external committees made up of industry professionals have been established to ensure that the various scenarios used in the course accurately reflect the reality of practicing professionals.
1. This amendment to theRegulation respecting the Compulsory professional development of the Chambre de l’assurance de dommages was published in theGazette officielle du Québec March 18, 2015, page 569..
What you need to know
The on-line course is available since January 2016 on
ÉduChAD, the Training Space.
The mandatory on-line course offered by the ChAD costs $60 per participant, in other words, $30 per PDU.
Participants are able to take the course wherever and whenever they wish, and at the pace that suits them best. If necessary, participants are able to stop the training and resume it at a later date.
The PDUs earned from this course counts towards the current 20 mandatory PDUs to be earned during each reference period.
2 PDUs earned are in the
Compliance class and count towards the minimum of 3 PDUs required in Compliance.
The course is available
in French and sub-titled in
Two versions are offered, one for
claims adjusters and the other for
damage insurance agents and brokers.
Certified members have until December 31, 2017 to complete the mandatory course.
Please review the following frequently asked questions about this mandatory course.
Frequently asked questions
Why impose a mandatory course?
In the course of its regular activities (mandatory professional development, the Syndic’s Office and inspection), the ChAD has observed recurring compliance issues that may affect the protection of the public.
Mandatory compliance courses have shown their worth as a preventive measure in many other sectors of the financial services industry, as well as in other professional orders that have implemented such courses. The ChAD is therefore harmonizing its approach with that of its peers in order to keep the skills of its certified professionals up to date, while focusing on better protection for the public.
Requiring members to take a mandatory course allows the ChAD to act preventively by giving its members the tools they need to eliminate certain common, frequently observed shortcomings. It also helps to avoid complaints being filed with the Syndic’s Office and thus ensures better protection of the public.
How much will the mandatory course cost?
The mandatory on-line course offered by the ChAD will cost $60 per participant, in other words, $30 per PDU.
Will there be group discounts?
No, there will not be any discounts.
Will it be possible for another organization to give this course in partnership with the ChAD?
As is stated in the
Regulation respecting the Compulsory professional development of the Chambre de l’assurance de dommages, the mandatory course “is developed by the Chamber and given by the Chamber or in partnership with it […].” The ChAD must ensure that all its members receive the same training, in terms of content, quality and knowledge transfer. Only by ensuring that all participants receive exactly the same training can these objectives be met. The ChAD is currently looking at how a training partnership could be implemented.
What is the minimum mark to pass the course?
Certified members must get at least 60% on the final evaluation to pass the course.
What happens if the certified member fails the final evaluation?
Certified members who do not pass the final evaluation will have to take the entire course over again until they get at least 60%. No further payment will be required.
What happens if the two mandatory PDUs are not earned in time?
Certified members who have not successfully completed the course by December 31, 2017, will be given a grace period ending March 31, 2018. Following this date, incomplete files will be transferred to the Autorité des marchés financiers, which will proceed with suspending the license.
Find out more about this process if it happens to you .
Will it be possible to offer the on-line course to a group (for example, 30 people watching the training at the same time)?
No. In order to have the 2 mandatory PDUs credited to one’s file, each certified member must identify him or herself individually at the beginning of the course, do the exercises and pass the evaluation.
Who can be exempted from the mandatory course?
Professionals who are granted their first certificate after January 1, 2017 will be exempted from taking the mandatory course during the 2016-2017 reference period. In cases of force majeure (sick leave or parental leave), the same rules as those governing professional development in general apply.
For further information.
For further information
For further information on professional development terms and conditions, please consult the following documents:
You may also contact the Training Department at
firstname.lastname@example.org, at 514 842-2591 or at 1 800 361-7288