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2025-06-01

Notice Relating to Filing of Interim Returns and Other Documents for the Six Months Ending June 30, 2025 – Damage (P&C) Insurers in Québec

The Autorité des marchés financiers (AMF) requires all authorized Québec property and casualty insurers to electronically file interim returns, Minimum Capital Test/Branch Adequacy of Assets Test reports, and compliance attestations for the six months ending June 30, 2025. Filers must submit complete signed PDF or Excel versions via AMF E-Services within forty-five days of the semester end, while retaining original signed documents at their premises for potential examination. Failure to submit complete and timely filings, or refusal to provide access to required records, subjects insurers to monetary administrative penalties under sections 491 and following of the Insurers Act.

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[Translation] Notice relating to the filing of the interim return and other documents for the six months ending June 30, 2025 – Damage (« P&C ») insurers authorized to carry on activities in Québec Under the Insurers Act, CQLR, c. A-32.1 (the « Act »), every authorized insurer must prepare and send the Autorité des marchés financiers (AMF), according to the form, content and date the AMF determines, the documents and information provided under the Act or requested by the AMF (the «required documents and information»). All required documents and information must be filed electronically via AMF E-Services. See Appendices attached to this Notice detailing specific requirements for the documents and information to be filed for the six months ending June 30, 2025. A complete set of the signed documents must be kept at the insurer’s premises so that they are available for examination by the AMF, if necessary. Monetary administrative penalties We remind you that each insurer is responsible for ensuring that the AMF receives on the dates it determines, all required documents and information. Pursuant to sections 491 and following of the Act, monetary administrative penalties may be imposed if an authorized insurer fails to send the required documents and information to the AMF or if they are incomplete or filed late or if it refuses to communicate or provide access to the documents. Electronic submission of financial returns and other documents The E-Services Disclosure Guide (Insurers) explains the procedure for submitting files via AMF E￾Services and provides instructions for, among other things, naming files. The guide is available on the AMF website at: https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/ Please note that the E-Services Disclosure Guide (Insurers) does not list all the required documents and information or the dates by which they are to be filed. Further information: For further information, send an e-mail to: Info-Divulgations@lautorite.qc.ca. June 26, 2025

DAMAGE INSURERS AND REINSURERS AUTHORIZED TO CARRY ON ACTIVITIES IN QUEBEC DOCUMENTS REQUIRED FOR THE SIX MONTHS ENDING JUNE 30, 2025 QUEBEC CHARTER APPENDIX 1 Return Code File Format Deadline Number of days following the end of the semester

  1. P&C Return (PC1/PC2/PCPROV), duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  2. P&C Return (PC1/PC2/PCPROV).
  • Excel 45 days
  1. Attestation of Compliance of Versions - P&C Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  2. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return - signed PDF, duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return.
  • Excel 45 days
  1. Attestation of Compliance of Versions - MCT/BAAT Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/ Return Code File Format Deadline Number of days following the end of the semester
  2. P&C Returns (PC1/PC2/PCPROV), duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. P&C Returns (PC1/PC2/PCPROV).
  • Excel 45 days
  1. Attestation of Compliance of Versions - P&C Returns, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  2. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return - signed PDF, duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return.
  • Excel 45 days
  1. Attestation of Compliance of Versions - MCT/BAAT Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  • PDF 45 days 710 PDF 45 days Self-regulatory organization
  • PDF 45 days 710 PDF 45 days 110 PDF 45 days
  • PDF 45 days 45 days 110 PDF 45 days Business Corporation, Mutual company member of a federation and Mutual company
  • PDF

DAMAGE INSURERS AND REINSURERS AUTHORIZED TO CARRY ON ACTIVITIES IN QUEBEC DOCUMENTS REQUIRED FOR THE SIX MONTHS ENDING JUNE 30, 2025 CANADIAN CHARTER EXTRA-PROVINCIAL CHARTER FOREIGN CHARTER APPENDIX 2 Return Code File Format Deadline Number of days following the end of the semester

  1. P&C Return (PC1/PC2/PCPROV), duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  2. P&C Return (PC1/PC2/PCPROV).
  • Excel 45 days
  1. Attestation of Compliance of Versions - P&C Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  2. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return, duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return
  • Excel 45 days
  1. Attestation of Compliance of Versions - MCT/BAAT Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  2. MI Return (MI3/MI4/MIPROV), duly signed.* The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. MI Return (MI3/MI4/MIPROV)*
  • Excel 45 days
  1. Attestation of Compliance of Versions - MI Return, duly signed.* https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  2. Mortgage Insurers Capital Adequacy Test - MICAT, duly signed. * The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. Mortgage Insurance Capital Adequacy Test - MICAT *
  • Excel 45 days
  1. Attestation of Compliance of Versions - MICAT Form, duly signed. * https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/ Return Code File Format Deadline Number of days following the end of the semester
  2. P&C Return (PC1/PC2/PCPROV), duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  3. P&C Return (PC1/PC2/PCPROV). - Excel 45 days
  4. Attestation of Compliance of Versions - P&C Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/
  5. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return, duly signed. The PDF file must be complete, in printable format, and conform with the version kept on file at the insurer's premises.
  6. Minimum Capital Test/ Branch Adequacy of Assets Test (MCT/BAAT) Return. - Excel 45 days
  7. Attestation of Compliance of Versions - MCT/BAAT Return, duly signed. https://lautorite.qc.ca/en/professionals/insurers/disclosures/pc-insurance/ 110 PDF 710 PDF 45 days
  • PDF 45 days
  • PDF 45 days 110 PDF 45 days Reciprocal union 110 PDF *Reporting requirements for Mortgage insurers only. 45 days 710 PDF 45 days
  • PDF 45 days
  • PDF 45 days 45 days
  • PDF 45 days Business Corporation and Mutual company
  • PDF 45 days 710 PDF 45 days
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