Insurance Regulation

The Office of the Superintendent of Insurance regulates the business of insurance in Prince Edward Island.  All insurers, agent and adjusters operating in the province are required to be licensed under the Insurance Act

For Consumers

We encourage you to take the time to discuss your policies at purchase, and from time to time, with your agent or insurer, to ensure you continue to maintain the coverages which are right for you.  In addition, you should shop around to obtain various quotes as the coverages available and their cost may vary from insurer to insurer.

Automobile Insurance

Automobile insurance is the only type of insurance for which rates are regulated in Prince Edward Island.  The Island Regulatory and Appeals Commission regulates these rates.  They may be reached at (902) 892-3501.

Consumer Complaints and Inquiries

If you have a problem, complaint or inquiry related to insurance there are steps you may take on your own which often leads to a resolution.

  • Step 1:  Contact your agent or adjuster to discuss your concerns as they may be able to assist you in reaching a resolution.  Have you policy papers and details of your concerns prepared before you call.

  • Step 2:  If you are unable to reach a resolution through your agent or adjuster, contact a senior representative of your insurance company.  The company representative should be willing to discuss your issue with you and attempt to reach a resolution.

  • Step 3:  If you still have not reached a resolution, most insurance companies have an internal ombudsperson who you can contact for an additional level of review.  Additionally, there are two external groups to assist you depending on the type of insurance:

If you do not reach a resolution through this process you may contact our office.  We will assess your situation and provide advice and assistance as necessary.  Please note however, that we are unable to take on a direct role in settling an insurance claim and do not have authority to direct any particular action to be taken in the settlement of a claim. We are also unable to provide you with legal advice.

Also note that at any point, you may opt to contact a lawyer.  The Community Legal Information Association of Prince Edward Island's "Lawyer Referral Service" may provide an initial assessment of any legal recourse you may have at a nominal rate.

Public Searches


For Industry 

Insurance Company Taxes and Levies



Bulletin/Notice Issued by: Date
Automobile Insurance Minor Injury Cap - Annual Indexation Office of the Superintendent of Insurance April 1, 2014
PEI Automobile Insurance Reforms Office of the Superintendent of Insurance October 1, 2014
New Online Agent and Adjuster Licensing Process  Office of the Superintendent of Insurance January 4, 2022
Temporary Adjuster Licensing - Damage from Storm Fiona Office of the Superintendent of Insurance November 15, 2022


    Who can I contact for more information?

    Financial and Consumer Services
    Shaw Building, 1st Floor
    105 Rochford Street
    Charlottetown, PEI
    Telephone: (902) 368-4550
    Fax: (902) 368-5283


    Published date: 
    July 22, 2022