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).
i
Fermer

End of the training reference period

Sorry, but nothing corresponds your search criteria. Try again with different keywords.

Go to content

Deadlines

Deadlines related to renewing, terminating or cancelling personal insurance contracts

Renewal with or without changes to the premium or coverage, non-renewal, termination before the contract expiry date, aggravation of risk: these actions require communication between the insurer and insured, with deadlines for notices and effective dates established by various laws (Automobile Insurance Act, Civil Code of Québec) and occasionally by insurance contracts. 

All parties must respect certain deadlines for renewing, terminating and cancelling damage insurance contracts. It is the responsibility of agents and brokers to know these deadlines in order to appropriately inform and advise their clients.
 
The ChAD has created a helpful table in collaboration with its Comité de déontologie et de règles de pratique made up of certified professionals. However, it is important not to mistake this tool for your ethical obligations related to contract renewal or related to the end of a mandate. 
 
This reference guide will help you better respect deadlines, apply best practices and provide your clients with useful and necessary explanations. It is broken down as follows: 

 

Upon expiry 

  • Renewal 
  • Renewal with modifications to the premium or coverage by the insurer 
  • Non-renewal by the insurer 
  • Non-renewal by the insured 
 

During the term of the contract 

  • Termination by the insurer 
  • Rescission by the insured of a contract concluded online or through a distributor 
  • Termination by the insured 
  • Aggravation of risk declared by the insured 
  • Undeclared aggravation of risk