Settling a Dispute
Depending upon the situation, insureds who feel that they have been wronged by a damage insurance professional or business may choose from several options. For instance, they may file a complaint against the representative with the Syndic’s office of the ChAD, go to the Autorité des marchés financiers (the Authority) to report an insurer, a firm or a representative, file a complaint with their insurer or they may apply for compensation from the Fonds d'indemnisation des services financiers.
Frequent disagreements in the damage insurance industry
I believe that my damage insurance professional has not fulfilled his duties or obligations
When and how to file a complaint with the Syndic’s Office.
I disagree with my insurer’s decision
If you do not agree with the amount of compensation the insurer has offered you, or with the insurer’s decision to not compensate you, here is what you can do.
How can I obtain a refund of the deductible?
If you suffer a loss for which you are not liable, you can request a refund of your deductible from the third party who was found liable for the damages.
My insurer, or my broker, terminated my contract
Here are the reasons why an insurer, or a broker, might terminate your contract, how the insurer or broker should proceed, and what you must do.
I am a victim of fraud
You think you are a victim of fraud? Explanations how to apply to the Fonds d’indemnisation of the Autorité des marchés financiers for compensation.
Terminating or Cancelling an Insurance Contract
Filing a Complaint with the Syndic’s Office
Concretely speaking, the Syndic’s office of the ChAD is tasked with conducting investigations to determine whether the professional acts the member has performed comply with the codes of ethics and the Act respecting the Distribution of financial products and services and its regulations. Depending on the circumstances, the syndic may file a formal complaint before the ChAD’s Discipline committee or take any other measure he believes appropriate.