All insurance companies have defined claims procedures and claims escalation processes; and there are both internal and external dispute mechanisms should a consumer feel their claim has been unfairly handled. While a broker may provide advice or advocacy in that process, contracts of insurance are between and the policyholder and the insurance company, and must be resolved by those parties.

If the policy is held with any insurance company other than SGI, a complaint may be submitted through the Financial and Consumer Affairs Authority (FCAA) by clicking here. FCAA may direct the complainant to the General Insurance OmbudService. Most insurance companies, however, have an in-house ombudsman or fair practices office, which will attempt to remedy disputes before they are elevated. 

If the policy is held with SGI, meanwhile, because it is a Crown corporation (and not subject to The Insurance Act), the dispute should first be addressed through the SGI Fair Practices Office. Should that process not result in a satisfactory resolution, policyholders may file a complaint with Ombudsman Saskatchewan.

Please note that most of the aforementioned avenues are not necessarily binding. Instead, they leverage tools such as research, industry outreach, and mediation. Serious disputes that cannot be resolved through these channels may only be addressed through legal means.

If you feel your insurance broker failed in their licensed duties or responsibilities, you may file a complaint with the General Insurance Council of a Saskatchewan (GICS) by clicking here.

A copy of The Insurance Act can be found here.

A copy of The Insurance Regulations can be found here.

A copy of The GICS Bylaws can be found here, while the Agent Code of Conduct can be found here.