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Updated Oct 6, 2026
Canadian insurance national feature
National feature

Emerging TrendOct 6, 2026

September 2026: Canadian insurance is becoming an operational details business

September’s Canadian insurance developments didn’t point to one national legal rule. They pointed to something more useful: outcomes are increasingly turning on the exact operational detail, from notice requirements and disclosure duties to endorsements, approved forms and capital treatment.
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Nova ScotiaOct 6, 2026

Nova Scotia flags new mandatory auto insurance condition amendments

Nova Scotia has amended the mandatory conditions that form part of automobile insurance contracts. One amendment took effect September 22, 2026 and another is scheduled for January 1, 2027.
Canadian insurance editorial

OntarioOct 6, 2026

Ontario auto rate review remains in draft after consultation closes

FSRA has closed consultation on its 2026 draft Ontario Private Passenger Vehicles Annual Review. The draft assembles industry cost and trend data used to inform future private passenger auto rate filing reviews.
Canadian insurance editorial

British ColumbiaOct 6, 2026

BCFSA proposes regular fee reviews across regulated sectors

BCFSA is consulting on a new framework for reviewing regulatory fees across the sectors it oversees, including insurance. The proposal would add annual cost based reviews and broader reviews at least every five years.

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Insurance Case Law Across Canada

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Coverage disputes, claims decisions, the rulings and the reasons behind them.

Nova ScotiaDecision: Oct 2, 2026

Newline Canada Insurance Limited v. Fiera Private Debt Fund III LP

Newline Canada Insurance Limited v. Fiera Private Debt Fund III LP, 2026 NSCA 71 (CanLII), is a Canadian decision from Nova Scotia Court of Appeal dated 2026-10-02. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.
Nova Scotia Court of Appeal · 2026 NSCA 71 (CanLII)

OntarioDecision: Sep 28, 2026

Motta v Definity Insurance Company

Motta v Definity Insurance Company, 2026 CanLII 103257 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.
Ontario Licence Appeal Tribunal · 2026 CanLII 103257 (ON LAT)

OntarioDecision: Sep 28, 2026

Luo v Aviva General Insurance Company

Luo v Aviva General Insurance Company, 2026 CanLII 103259 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.
Ontario Licence Appeal Tribunal · 2026 CanLII 103259 (ON LAT)

OntarioDecision: Sep 28, 2026

Phillips v Royal & Sun Alliance Insurance Company of Canada

Phillips v Royal & Sun Alliance Insurance Company of Canada, 2026 CanLII 103284 (ON LAT), is a Canadian decision from Ontario Licence Appeal Tribunal dated 2026-09-28. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.
Ontario Licence Appeal Tribunal · 2026 CanLII 103284 (ON LAT)

British ColumbiaDecision: Sep 25, 2026

Sanghera v The Wawanesa Mutual Insurance Company

Sanghera v The Wawanesa Mutual Insurance Company, 2026 BCSC 1828 (CanLII), is a Canadian decision from Supreme Court of British Columbia dated 2026-09-25. Binder Insurance has verified the case metadata but has not yet reviewed the full reasons.
Supreme Court of British Columbia · 2026 BCSC 1828 (CanLII)

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New BrunswickOct 6, 2026

New Brunswick proof of loss dispute turns on what the insured could reasonably provide

British ColumbiaOct 6, 2026

Property coverage can fail when a material change in risk goes undisclosed

British Columbia’s Court of Appeal dismissed an insureds’ appeal where an undisclosed marihuana grow operation had been found to be a material change in risk. The materiality and nondisclosure findings were not challenged on appeal and were enough to resolve the coverage dispute.

OntarioOct 6, 2026

Mortgage broker fraud coverage follows the purpose of mandatory insurance

Ontario’s Court of Appeal held that a mandatory mortgage broker fraud endorsement covered client money misappropriated while it was held in trust for a proposed mortgage transaction. The regulatory purpose of the required insurance mattered to how the policy was read.

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Nova ScotiaOct 6, 2026

Nova Scotia flags new mandatory auto insurance condition amendments

Nova Scotia has amended the mandatory conditions that form part of automobile insurance contracts. One amendment took effect September 22, 2026 and another is scheduled for January 1, 2027.

OntarioOct 6, 2026

Ontario auto rate review remains in draft after consultation closes

FSRA has closed consultation on its 2026 draft Ontario Private Passenger Vehicles Annual Review. The draft assembles industry cost and trend data used to inform future private passenger auto rate filing reviews.

British ColumbiaOct 6, 2026

BCFSA proposes regular fee reviews across regulated sectors

BCFSA is consulting on a new framework for reviewing regulatory fees across the sectors it oversees, including insurance. The proposal would add annual cost based reviews and broader reviews at least every five years.

AlbertaOct 6, 2026

Alberta moves private benefit plans ahead of provincial coverage

Alberta changed the order of payment for government sponsored drug and supplemental health benefits on October 1, 2026. Where private or employer sponsored coverage exists, that coverage now pays first and provincial programs remain the safety net.

All CanadaOct 6, 2026

OSFI finalizes IFRS 18 insurer reporting changes for 2027

Federally regulated insurers now have the final OSFI return templates that will apply as IFRS 18 comes into force for reporting periods beginning in 2027.

SaskatchewanOct 6, 2026

Saskatchewan confirms another 3.75% Auto Fund increase for June 2027

Saskatchewan will increase basic Auto Fund rates by 3.75% overall on June 1, 2027, while continuing to rebalance rates by vehicle class as claim costs and inflation pressure the public insurer’s finances.

Northwest TerritoriesOct 6, 2026

NWT medical travel benefits now require Extended Health Benefits enrolment

NWT residents without medical travel coverage through another public program, an employer plan or private insurance must now enrol in Extended Health Benefits before accessing territorial medical travel support. The underlying level of support has not changed.

QuébecOct 6, 2026

Quebec enforcement shows that an inspection finding is only the start of the compliance job

Quebec’s financial regulator says a follow up inspection of Matcha Assurance found that earlier deficiencies had not all been corrected and that new breaches had appeared. The resulting settlement included financial penalties, leadership restrictions and the firm’s planned withdrawal of registration.

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