The Chambre de l’assurance was created on July 4, 2025, following the merger of the Chambre de l’assurance de dommages and the Chambre de la sécurité financière.

What you need to know:

  • In the short term, ChAD activities are continuing as usual, and all services remain available.
  • ChAD regulations and policies are still in effect, including professional development obligations for the training reference period ending March 31, 2026.
  • All members must continue to incorporate their ethical obligations into their professional practice.
  • For more details, see the Merger Web page (in french only).
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End of the training reference period

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The Insured’s Obligation to Cooperate

Publication date: July 31, 2011 | Last update: April 27, 2020
Targeted audience
Claims adjuster
Category
Let’s Talk Case Law
Topic
Claims adjustment

​​​​This summary does not constitute a legal opinion. The information it contains may not reflect the current state of the law.

At the request of the insurer, the insured shall inform the insurer as soon as possible of all the circumstances surrounding the loss.

The main objective of the obligation to cooperate is to allow the insurer to complete its investigation by gathering all of the relevant information as to the circumstances of the loss, and the whole to avoid being at its insured’s mercy.

The following situations have been considered by the Courts as a breach of the obligation to cooperate.

 

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