Automobile insurance (2024)

Overview

In Alberta, basic automobile insurance (accident benefits and third party liability) is required by law. Additional insurance coverage (such as collision and comprehensive) is not required by law.

In order to ensure basic coverage is affordable and accessible, Alberta has established a maximum amount that can be charged for basic coverage. While there is no maximum amount set for additional coverage because it is not mandated by law, the Automobile Insurance Rate Board (AIRB) regulates automobile insurance rates in Alberta. The AIRB approves all rating programs for insurers selling basic and additional coverage to Albertans. The AIRB has statutory authority to approve, reject or require changes to Alberta automobile insurance companies’ premium rating program filings. For more information, please see the Automobile Insurance Rate Board website.

Automobile Insurance Rating Factors Framework

The Automobile Insurance Rating Factors Framework is used by the Superintendent of Insurance to inform decisions on what automobile insurance rating factors to allow for use in Alberta. It is also intended to promote openness and transparency about the decision making process for both insurers and Albertans.

Automobile Insurance Rating Factors Framework (March 19, 2013)

Policies, certificates and application forms

Information and resources related toDirect Compensation forProperty Damage (DCPD)

For an explanation of the changes effective January 1, 2022, see the following:

Notice 03-2021: Direct Compensation forProperty Damage (DCPD)Implementation
Interpretation Bulletin 04-2021– Alberta Automobile Insurance Forms – DCPD Amendments
For a list of insurers and corporations that have signed an undertaking to be bound by DCPD, including when they signed, see the Direct Compensation for Property Damage Undertaking Signatory List – updated January 29, 2024. If you are an insurer wishing to sign a DCPD undertaking with the Superintendent, use this form.
More information about Automobile insurance reform

Current versions (effective January 1, 2022) and previous versions

Standard Owner's Automobile Insurance Policy (SPF #1 and SAF #1)
- Current version (effective January 1, 2022)
- Previous version (effectiveMay 1, 2021 to December 31, 2021)
- Previous version(effective September 1, 2013 to April 30, 2021)
Standard Driver's Automobile Insurance Policy (SPF #2)
- Current version(effective May 1, 2021)
Standard Garage Automobile Insurance Policy (SPF #4, SAF #4, SRC #4, PCS #1 and #2)
- Current version (effective January 1, 2022)
- Previous version (effectiveMay 1, 2021 to December 31, 2021)
- Previous version (effective January 1, 2014 to April 30, 2021)
Standard Non-Owned Automobile Insurance Policy (SPF #6)
- Current version (effective May 1, 2021)
Standard Excess Third Party Liability Automobile Insurance Policy (SPF #7)
- Current version (effective May 1, 2021)
Standard Lessor's Contingent Automobile Insurance Policy (SPF #8)
- Current version (effective May 1, 2021)
StandardTransportation Network Automobile Insurance Policy (SPF #9 and SAF #9)
- Current version (effective January 1, 2022)
- Previous version (effective May 1, 2021 to December 31, 2021)
- Previous version (effective July 1, 2016 to April 30, 2021)

Archived

Standard owner's automobile insurance policy (SPF #1 and SAF #1)
- Previous versions (effective January 2006 to August 2013)
Standard garage automobile insurance policy (SPF #4 and SAF #4)
- Previous versions (effective September 2007 toDecember 2013)

Endorsem*nts

The following endorsem*nts may be used by any insurance company licensed to underwrite the class of automobile insurance in Alberta. The use of non-approved automobile insurance endorsem*nts is an offence under the Insurance Act and is subject to prosecution or an administrative penalty.

All standard automobile insurance forms are also commercially available through InformCo (https://www.iaccessPLUS.ca/). Disclaimer: Links to other websites are provided solely for your convenience. The Government of Alberta does not control, endorse, or guarantee the accuracy, completeness, efficacy and timeliness of other websites, and is not responsible for the privacy practices of other websites. Read our complete disclaimer.

About endorsem*nts

Endorsem*nts (also referred to as riders) amend an existing insurance contract by adding, deleting, excluding or otherwise altering the scope of the original policy. In Alberta, automobile policy endorsem*nt forms are separated into 2 categories:

Standard Endorsem*nt Forms (SEF) that have been approved for use by the Superintendent of Insurance; and
Conditionally Approved Endorsem*nts (CAE) that are non-standard endorsem*nt forms approved by the Superintendent of Insurance for use by a particular insurance company wishing to address specific needs of its clients.

Pursuant to section 551 of the Insurance Act: “No insurer may use a form of application, policy, endorsem*nt, or renewal or continuation certificate in respect to automobile insurance other than a form approved by the Superintendent of Insurance”.

About Conditionally Approved Endorsem*nts (CAEs)

The following endorsem*nt list does not include CAEs for which individual insurers have received approval to use. Bulletin 03-2015 describes the information required from an insurer in order for the Superintendent of Insurance to consider approving a CAE. Copies of CAEs are available from insurers directly. If you wish to confirm whether a non-standard CAE has been approved for use by the Superintendent of Insurance,contact us.

Standard Endorsem*nt Forms (SEFs) approved for use in Alberta

These endorsem*nts may be used by any insurance company licensed to underwrite the class of automobile insurance in Alberta. The use of non-approved automobile insurance endorsem*nts is an offence under the Insurance Act and is subject to prosecution or an administrative penalty.

Please note: only the endorsem*nts below are available.To receive a copy of other endorsem*nt forms, please contact your insurance agent, your insurance forms provider, or email our office at [emailprotected].

Endorsem*nt form amendments effective March 1, 2023

SEFsapproved for use in Alberta

SEF #2 – Designated Operator(s) Drive Other Automobiles Endorsem*nt
- SEF #2 – effective January 1, 2022
SEF #3 – Drive Government Automobile Endorsem*nt
- SEF #3 – effective January 1, 2022
SEF #4A – Permission to Carry Explosives Endorsem*nt
- SEF #4A – effective June 1, 2022
- SEF #4A – previous version – effective to July 31, 2023
SEF #4B – Permission to Carry Radioactive Materials Endorsem*nt
- SEF #4B – effective June 1, 2022
- SEF #4B – previous version – effective to July 31, 2023
SEF #5A – Permission to Lease – Specified Lessee Endorsem*nt
- SEF #5A – effective January 1, 2022
SEF #5B – Permission to Lease – Unspecified Lessee Endorsem*nt
- Note: this endorsem*nt was formerly SEF #5C (split for leased vehicles only)
- SEF #5B – effective June 1, 2022
- SEF #5C – previous version – effective to July 31, 2023
SEF #5C – Permission to Rent Endorsem*nt
- Note: this endorsem*nt was formerly SEF #5C (split for rented vehicles only)
- SEF #5C – effective June 1, 2022
- SEF #5C – previous version – effective to July 31, 2023
SEF #5D – Conversion Coverage Endorsem*nt
- SEF #5D – effective June 1, 2022
- SEF #5D – previous version – effective to July 31, 2023
SEF #6A – Carry Passengers for Compensation or Hire Endorsem*nt
- SEF #6A – effective June 1, 2022
- SEF #6A – previous version – effective to July 31, 2023
SEF #6B – School Transportation Endorsem*nt
- SEF #6B – effective June 1, 2022
- SEF #6B – previous version – effective to July 31, 2023
SEF #6C – Public Passenger Vehicles Endorsem*nt
- SEF #6C – effective June 1, 2022
- SEF #6C – previous version – effective to July 31, 2023
SEF #6D – Driver Training Services Endorsem*nt
- SEF #6D – effective June 1, 2022
- SEF #6D – previous version – effective to July 31, 2023
SEF #6F – Public Passenger Automobile Endorsem*nt
- SEF #6F – effective June 1, 2022
- SEF #6F – previous version – effective to July 31, 2023
SEF #8A – Named Person Property Damage Reimbursem*nt Endorsem*nt (Section A – Third Party Liability)
- SEF #8A – effective June 1, 2022
- SEF #8A – previous version – effective to July 31, 2023
SEF #8B – Property Damage Reimbursem*nt Endorsem*nt (Section A – Third Party Liability)
- Note: this endorsem*nt was formerly SEF #8
- SEF #8B – effective June 1, 2022
- SEF #8 – previous version – effective to July 31, 2023
SEF #9 – Marine Use Excluded Endorsem*nt (Amphibious Vehicles)
- SEF #9 – effective June 1, 2022
- SEF #9 – previous version – effective to July 31, 2023
SEF #13D – Limitation of Glass Coverage Endorsem*nt
- SEF #13D – effective June 1, 2022
- SEF #13D – previous version – effective to July 31, 2023
SEF #13H – Existing Hail Damage - Deletion of Hail Coverage Endorsem*nt
- SEF #13H – effective June 1, 2022
- SEF #13H – previous version – effective to July 31, 2023
SEF #16 – Suspension of Coverage Endorsem*nt
- SEF #16 – effective January 1, 2022
- SEF #16 – previous version – effective to December 31, 2021
SEF #17 – Reinstatement of Coverages Endorsem*nt
- SEF #17 – effective June 1, 2022
- SEF #17 – previous version– effective to July 31, 2023
SEF #18 – Replacement Cost Endorsem*nt
- SEF #18 – effective January 1, 2022
SEF #19A – Valued Automobile(s) Endorsem*nt
- SEF #19A – effective June 1, 2022
- SEF #19A – previous version – effective to July 31, 2023
SEF #19B – Limitation of Amount Endorsem*nt
- Note: this endorsem*nt was formerly SEF #19
- SEF #19B – effective June 1, 2022
- SEF #19 – previous version – effective to July 31, 2023
SEF #20 – Loss of Use Endorsem*nt
- SEF #20 – effective June 1, 2022
- SEF #20 – previous version – effective to July 31, 2023
SEF #21A – Monthly Reporting Basis Fleet Endorsem*nt
- SEF #21A – effective January 1, 2022
- SEF #21A – previous version – effective to December 31, 2021
SEF #21B – Blanket Basis Fleet Endorsem*nt
- SEF #21B – effective January 1, 2022
- SEF #21B – previous version – effective to December 31, 2021
SEF #21C – Monthly Reporting Basis Fleet Omission Endorsem*nt
- SEF #21C – effective January 1, 2022
- SEF #21C – previous version – effective to December 31, 2021
SEF #21D – Blanket Basis Fleet Omission Endorsem*nt
- SEF #21D – effective January 1, 2022
- SEF #21D – previous version – effective to December 31, 2021
SEF #22 – Damage to Property of Passengers Endorsem*nt
- SEF #22 – effective January 1, 2022
SEF #23A – Lienholder, Mortgagee or Assignee Endorsem*nt
- SEF #23A – effective January 1, 2022
SEF #23B – Lienholder, Mortgagee or Assignee Endorsem*nt (Broad Form)
- SEF #23B – effective January 1, 2022
SEF #24 - Fire and Rescue Equipment Endorsem*nt
- SEF #24 – effective June 1, 2022
- SEF #24 – previous version – effective to July 31, 2023
SEF #25A – Alteration Endorsem*nt
- SEF #25A – effective January 1, 2022
SEF #26A- Disappearing Deductible(s) Endorsem*nt
- Note: this endorsem*nt was formerly SEF #26
- SEF #26A – effective March 1, 2023
SEF #26B – Single Deductible Per Occurrence Endorsem*nt
- SEF #26B - effective March 1, 2023
SEF #27 – Legal Liability for Damage to Non-Owned Automobile Endorsem*nt
- SEF #27 – effective June 1, 2022
- SEF #27 – previous version – effective to July 31, 2023
SEF #28A – Reduction of Coverage as Respects to Operation on Airport Property
- SEF #28A – effective June 1, 2022
- SEF #28A – previous version – effective to July 31, 2023
SEF #28B – Reimbursem*nt of Claim Paid on Airport Property
- SEF #28B – effective June 1, 2022
- SEF #28B – previous version – effective to July 31, 2023
SEF #28C – Named Person(s) Reduction of Coverage Endorsem*nt
- Note: this endorsem*nt was formerly SEF #28
- SEF #28C – effective June 1, 2022
- SEF #28 – previous version – effective to July 31, 2023
SEF #29 – Named Person(s) Additional Coverage Endorsem*nt
- SEF #29 – effective January 1, 2022
SEF #30A – Attached Machinery, Apparatus or Equipment Exclusion Endorsem*nt: Sections A.1 and C
- SEF #30A – effective March 1, 2023
- SEF #30A – previous version – effective June 1, 2022 to April 30, 2024
- SEF #30A – previous version – effective to July 31, 2023
SEF #30B – Attached Machinery, Apparatus or Equipment Exclusion Endorsem*nt Section A – Third Party Liability and Section B – Accident Benefits
- Note: this endorsem*nt was formerly SEF #30
- SEF #30B – effective June 1, 2022
- SEF #30 – previous version – effective to July 31, 2023
SEF #31 – Non-Owned Equipment Endorsem*nt
- SEF #31 – effective June 1, 2022
- SEF #31 – previous version – effective to July 31, 2023
SEF #32 – Off-Highway Vehicle Endorsem*nt
- SEF #32 – effective June 1, 2022
- SEF #32 – previous version – effective to July 31, 2023
SEF #35 – Emergency Service Expense Endorsem*nt
- SEF #35 – effective June 1, 2022
- SEF #35 – previous version – effective to July 31, 2023
SEF #37 – Limitation to Automobile Electronic Accessories and Electronic Equipment Endorsem*nt
- SEF #37 – effective June 1, 2022
- SEF #37 – previous version – effective to July 31, 2023
SEF #38 – Specified Limit(s) – Automobile Electronic Accessories and Electronic Equipment Endorsem*nt
- SEF #38 – effective June 1, 2022
- SEF #38 – previous version – effective to July 31, 2023
SEF #39A –At-FaultAccident WaiverEndorsem*nt
- Note: this endorsem*nt was formerly SEF #39
- SEF #39A – effective June 1, 2022
- SEF #39 – previous version – effective to July 31, 2023
SEF #39B – Designated Operator Traffic Safety Conviction Rating Waiver Endorsem*nt
- SEF #39B – effective June 1, 2022
- SEF #39B – previous version – effective to July 31, 2023
SEF #40 – Fire and Theft Deductible Endorsem*nt
- SEF #40 – effective June 1, 2022
- SEF #40 – previous version – effective to July 31, 2023
SEF #43R – Limited Waiver of Depreciation Endorsem*nt
- SEF #43R – effective January 1, 2022
SEF #43R(L) – Specified Lessee Limited Waiver of Depreciation Endorsem*nt
- SEF #43R(L) – effective January 1, 2022
SEF #44 – Family Protection Endorsem*nt
- SEF #44- effective March 1, 2023
- SEF #44 - previous version - effective August 1, 1999 to April 30, 2024
SEF #45A – Extension of Termination Notice Period (For other than Non-Payment of Premium or Misrepresentation) Endorsem*nt
- Note: not for use in respect to private passenger automobiles
- SEF #45A- effective March 1, 2023
SEF #45B – Extension of Termination Notice Period (Other than for Misrepresentation) Endorsem*nt
- Note: not for use in respect to private passenger automobiles
- SEF #45B – effective March 1, 2023
SEF #49A –DCPD Deletion Endorsem*nt
- SEF #49A- effective March 1, 2023
SEF #49B – Blanket Basis DCPD Deletion Endorsem*nt
- SEF #49B- effective March 1, 2023
SEF #60 – Legal Liability for Damage to Non-Owned Automobile Endorsem*nt
- Note: for attachment only to a Standard Driver's Automobile Insurance Policy (SPF #2)
- SEF #60 – effective June 1, 2022
- SEF #60 – previous version – effective to July 31, 2023
SEF #70 – Named Person(s) Collision or Upset Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #70 – effective June 1, 2022
- SEF #70 – previous version – effective to July 31, 2023
SEF #71 – Owned Automobiles Exclusion Endorsem*nt
- Note: for attachment only to Garage Automobile Policy (SPF #4)
- SEF #71 – effective January 1, 2022
SEF #72 – Multiple Alteration Endorsem*nt
- Note: for attachment only to Garage Automobile Policy (SPF #4)
- SEF #72 – effective January 1, 2022
SEF #73 – Financed Automobiles Exclusion Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #73 – effective June 1, 2022
- SEF #73 – previous version – effective to July 31, 2023
SEF #74 – Open Lot Pilferage Endorsem*nt – Owned Automobiles
- Note: (For attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #74 – effective June 1, 2022
- SEF #74 – previous version – effective to July 31, 2023
SEF #75 – Open Lot Pilferage Endorsem*nt – Customers' Automobiles
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #75 – effective June 1, 2022
- SEF #75 – previous version – effective to July 31, 2023
SEF #76 – Additional Insured Endorsem*nt Broad Form
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #76 – effective June 1, 2022
- SEF #76 – previous version – effective to July 31, 2023
SEF #77 – Legal Liability for Comprehensive Damage to Customers' Automobile Endorsem*nt (Including Open Lot Pilferage)
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #77 – effective June 1, 2022
- SEF #77 – previous version – effective to July 31, 2023
SEF #78 – Named Person(s) Reduction of Coverage Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #78 – effective June 1, 2022
- SEF #78 – previous version – effective to July 31, 2023
SEF #79 – Fire and Theft Deductible Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #79 – effective June 1, 2022
- SEF #79 – previous version – effective to July 31, 2023
SEF #80 – Specified Owned Automobile Physical Damage Coverage Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #80 – effective June 1, 2022
- SEF #80 – previous version – effective to July 31, 2023
SEF #81 – Garage Family Protection Endorsem*nt
- Note: for attachment only to a Garage Automobile Insurance Policy (SPF #4)
- SEF #81 – effective March 1, 2023
SEF #90 – Limitation to Operation of Automobiles by Partners, Officers and Employees Endorsem*nt
- Note: for attachment only to a Non-owned Automobile Policy (SPF #6)
- SEF #90 – effective March 1, 2023
SEF #91 – Limitation to Operation of Automobiles by Named Person(s) Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #91 – effective June 1, 2022
- SEF #91 – previous version – effective to July 31, 2023
SEF #92 – Limitation to Hired Automobiles and Automobiles Operated Under Contract Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #92 – effective June 1, 2022
- SEF #92 – previous version – effective to July 31, 2023
SEF #93 – Limitation to Automobiles Owned by Named Person(s) Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #93 – effective June 1, 2022
- SEF #93 – previous version – effective to July 31, 2023
SEF #94 – Legal Liability for Damage to Hired Automobiles Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #94 – effective June 1, 2022(updated November 2022)
- SEF #94 – previous version – effective to July 31, 2023
SEF #95 – Limitation to Business Conducted at Specified Locations Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #95 – effective June 1, 2022
- SEF #95 – previous version – effective to July 31, 2023
SEF #96 – Contractual Liability Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #96 – effective June 1, 2022
- SEF #96 – previous version – effective to July 31, 2023
SEF #97 – Operation by Individual Named Insured Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #97 – effective June 1, 2022
- SEF #97 – previous version – effective to July 31, 2023
SEF #99 – Leased Vehicle Exclusion Endorsem*nt
- Note: for attachment only to a Non-Owned Automobile Insurance Policy (SPF #6)
- SEF #99 – effective June 1, 2022
- SEF #99 – previous version – effective to July 31, 2023
SEF #101 – Public Passenger Automobile Endorsem*nt
- Note: for attachment only to an Excess Automobile Insurance Policy (SPF #7)
- SEF #101 – effective June 1, 2022
- SEF #101 – previous version – effective to July 31, 2023

Insurance company lists, including contact information

List of insurers licensed in Alberta, including classes licensed
List of insurers no longer licensed in Alberta

Complaints

See Insurance consumer complaints for information on claim or policy complaints including the Dispute Resolution Process, insurance conduct complaints and insurance industry information.

Forms

See Insurance forms for:

Accident Benefit Claim and Minor Injury Prescribed Forms and registers
Motor vehicle inspection report form

Ride-for-hire services

Protect yourself: use online or mobile apps to order ride-for-hire services

If you street-hail an app-based ride-for-hire service (like Uber or Tapp Car), you may not have access to insurance protection, accident benefits or compensation for injuries under Alberta law.

Always protect yourself and order your ride through the ride-for-hire service’s online or mobile app.

Standard automobile insurance policy – Transportation Network Companies

Standard automobile insurance policy - Transportation Network Companies (TNCs) (SPF #9 and SAF #9) - approved for use in Alberta effective July 1, 2016.
For more information, see Superintendent of Insurance Bulletin 04-2016.

Insurance background information

Transportation Network Company regulation and insurance driven by safety and fairness (News release, June 28, 2016)
Government announces go-forward plan for emerging ride-for-hire services in Alberta (News release, February 29, 2016)
Online Bulletin: Know the risks before participating in ride sharing services (July 27, 2015)
Superintendent of Insurance Notice 02-2015 – Caution regarding Ride Sharing Services and Insurance (July 27, 2015)

Operating Transportation Network Companies in Alberta

For information on driver and vehicle registration and recordkeeping requirements for transportation network companies operating in Alberta, see Ride-for-hire services.

Sign up for updates

Subscribe to get our insurance publications by email

If you have trouble opening fillable PDF forms, see the Forms page for instructions.

Connect with the Office of the Alberta Superintendent of Insurance:

Hours: 8:15 am to 4:30 pm (open Monday to Friday, closed statutory holidays)
Phone: 780-643-2237
Toll free: 310-0000 before the phone number (in Alberta)
Fax: 780-420-0752
Email: [emailprotected]

Address:
Alberta Superintendent of Insurance
Alberta Treasury Board and Finance
Financial Sector Regulation and Policy
402 Terrace Building
9515 107 Street
Edmonton, AlbertaT5K 2C3