{"id":316,"date":"2025-12-31T18:30:39","date_gmt":"2025-12-31T18:30:12","guid":{"rendered":"http:\/\/hykaz.net\/firb\/insurance\/"},"modified":"2026-08-06T19:54:20","modified_gmt":"2026-08-06T19:54:20","slug":"insurance","status":"publish","type":"page","link":"https:\/\/hykaz.net\/fr\/firb\/insurance\/","title":{"rendered":"Assurance"},"content":{"rendered":"<p class=\"wp-block-paragraph translation-block\">Du fait de ses fonctions d\u2019application de la Loi sur les assurances, la Direction de la r\u00e9glementation des institutions financi\u00e8res est responsable de l\u2019octroi des licences \u00e0 tous les assureurs ayant des activit\u00e9s au Manitoba, de la r\u00e9glementation des assureurs \u00e9tablis dans la province et du traitement des plaintes des consommateurs et des titulaires d\u2019une police d\u2019assurance \u00e0 l\u2019\u00e9gard de leur assureur.<\/p>\n\n\n\n<p class=\"wp-block-paragraph translation-block\">Les assureurs qui exercent leurs activit\u00e9s au Manitoba doivent respecter les principes \u00e9nonc\u00e9s dans le document intitul\u00e9 Conduite des activit\u00e9s d\u2019assurance et traitement \u00e9quitable des clients (Directive), adopt\u00e9 conjointement en septembre 2018 par le Conseil canadien des responsables de la r\u00e9glementation d\u2019assurance et les Organismes canadiens de r\u00e9glementation en assurance pour superviser la conduite des assureurs et des interm\u00e9diaires. On peut consulter la Directive sur le site Web du <a href=\"https:\/\/www.ccir-ccrra.org\/Documents\/View\/3450\" data-original-outline=\"\" data-original-offset=\"\" data-original-color=\"\" style=\"text-decoration: underline\" target=\"_self\">Conseil canadien des responsables de la r\u00e9glementation d\u2019assurance<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La DRIF est aussi responsable des politiques relatives aux assurances et elle doit faire des recommandations de modifications l\u00e9gislatives. Les cadres l\u00e9gislatifs harmonis\u00e9s sont essentiels pour les assureurs qui, souvent, ont des activit\u00e9s dans plusieurs provinces et territoires. La plus grande partie de la recherche de la DRIF se fait en collaboration avec le Conseil canadien des responsables de la r\u00e9glementation d\u2019assurance et des associations professionnelles repr\u00e9sentant le secteur de l\u2019assurance aux \u00e9chelles nationale et locale.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La DRIF d\u00e9livre aussi des licences de courtier sp\u00e9cial d\u2019assurance aux courtiers qui souhaitent conclure des contrats avec des assureurs non titulaires d\u2019une licence.<\/p>","protected":false},"excerpt":{"rendered":"<p>Through its administration of&nbsp;The Insurance Act, the Financial Institutions Regulation Branch is responsible for licensing all insurers operating in Manitoba, 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