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 direct compensation agreement

Publication date: April 30, 2012 | Last update: April 27, 2020
Targeted audiences
Claims adjuster Damage insurance agent Damage Insurance Broker
Category
The Syndic’s column
Topic
Auto insurance

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

​Consumers have sent us complaints concerning the unscrupulous ways in which certain damage insurance representatives apply the Direct Compensation Agreement. This agreement was enacted in 1978—it is therefore quite shocking that certain representatives still do not fully understand the limits of their advisory role in this area.

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