Consumers
Are you a member of the public looking for information? Do you have a concern about your insurance, or a complaint about an insurance licence holder?
Consumer Information
Persons engaged in insurance activity defined as an agent or adjuster must first become licensed through the Insurance Council of Manitoba. The Council investigates complaints concerning the conduct of licence holders to determine if they have breached the standards governing proper practice of insurance professionals. If it is determined a violation has occurred, the Council may discipline the licensee by suspending or cancelling a licence, attaching conditions to a licence, or imposing a fine and/or the costs of an investigation. Disciplinary action may also be imposed on former licensees, and the Council may take civil action to address certain unlicensed insurance activity.
Join the nation in celebrating National Insurance Awareness
Day (NIAD) on June 28, 2024.
This national initiative focuses on encouraging Canadians to
review their insurance policies, and to utilize the insurance expertise of their agent or broker for advice on ensuring that they are protected when they need it most.
ICM encourages all licence holders to participate and promote the meaning of National Insurance Awareness Day to their clients. Start the conversation, giving the client the ability to ask questions and obtain meaningful information to their particular circumstances.
While an overall holistic approach is needed for each individual consumer requiring insurance, this year’s National Insurance Awareness Day focus is towards natural disasters, such as floods and forest fires, and helping to ensure Canadians are covered and well protected regardless of the disaster that occurs.
For more information and resources, including examples of how to promote this on social media, visit the National Insurance Awareness Day website.
INSURANCE COUNCIL OF MANITOBA
contactus@icm.mb.ca
www.icm.mb.ca
Verify Licences and Agencies
Information you can obtain includes:
- Whether or not an individual is licensed
- The type of insurance a licensed person is authorized to conduct
- If there are any conditions on a licence
- If supervision is required
- Whether or not they have been subject to disciplinary action
Discover our Informational Hubs
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Resource Information
Working with Your Agent
Working with Your Insurance Adjuster
Additional Resources
Financial Institutions Regulation Branch
The Financial Institutions Regulation Branch (“FIRB”) regulates financial institutions and cooperatives in Manitoba. Financial institutions are credit unions, caisses populaires, insurance companies, and trust and loan companies.
Manitoba Public Insurance
Manitoba Public Insurance (“MPI”) is a Crown corporation that delivers insurance, registration and licensing services to Manitoba drivers. MPI provides basic compulsory, universally available auto insurance coverage to Manitobans. MPI is governed by the Manitoba Public Insurance Corporations Act and administers The Drivers and Vehicles Act, and The Highway Traffic Act.
If the Insurance Council of Manitoba (“ICM”) receives a complaint against Manitoba Public Insurance (“MPI”), the consumer should take the following steps:
- Speak with their MPI Case Manager/Adjuster
- Contact MPI – Fair Practices and Customer Relations, (204) 985-8117
- If the Fair Practices office is unable to provide assistance, contact the Manitoba Ombudsman at 750-500 Portage Avenue, Winnipeg, MB R3C 3X1 , (204) 982-9130, www.ombudsman.mb.ca
General Insurance OmbudService
The General Insurance OmbudService (“GIO”) is an independent organization, created in 2002, with the sole purpose of helping Canadian consumers resolve disputes or concerns with their home, auto or business insurers.
OmbudService for Life and Health Insurance
The OmbudService for Life and Health Insurance (“OLHI”) is a free, independent and impartial dispute resolution public service for Canadian life and health insurance consumers. OLHI’s bilingual public service is free and available to any consumer whose health or life insurance company is an OLHI member. Consumers may contact OLHI at any time for general information about how to make a complaint with their insurance company or to ask OLHI to review a complaint.
Canadian Insurance Services Regulatory Organizations
The Canadian Council of Insurance Regulators (“CCIR”) and the Canadian Insurance Services Regulatory Organizations (“CISRO”) have jointly developed a guidance on the Fair Treatment of Customers. Although the insurer is the ultimate risk carrier, licensed agents are often the first to enter in contact with Customers through their distribution firm. Fair treatment of Customers encompasses concepts such as ethical behavior, acting in good faith and the prohibition of abusive practices. To read the guidance, please click here.
Codes of Conduct