Kensington Insurance Services

09/02/2026

Did you know that auto insurance in Alberta is changing. This is one of the latest changes we have learned:

Drivers could lose rate protection under the adjusted rate cap if:

a new at-fault accident
a new driving conviction
adding a driver or changing vehicles
adjusting your coverage

Reforming Alberta’s auto insurance system so it is more affordable and stable for drivers and insurers now and in the future.

07/23/2026

here's what is staying the same in the new upcoming auto insurance program:

Physical damage coverages (Collision, DCPD, Comprehensive) remain structurally unchanged under Care-first. Pricing continues to reflect inflation, repair complexity, theft, weather and tariffs.

Adverse Contractual Action provisions and the Take-All-Comers rule remain in place.

The Good Driver Rate Cap remains at 7.5% for 2026.

07/23/2026

So far, here's what we know about the upcoming auto insurance changes:

Accident benefit coverage changes:

Medical and rehabilitation is now $50,000 / 2 years and will go up to unlimited / potentially for life
Permanent impairment - None (tort only) goes Up to $298,520 (catastrophic claims)
Personal care is now Within $50K limit only will go Up to $6,781/month (catastrophic claims)
Income replacement is currently $31,200/year / 2 years goes to 90% net income up to $125,000/year until age 65
Death - funeral is now Up to $6,150 will go Up to $10,308
Death - spouse is now $10K–$25K will go up to $75,623–$600,000
Grief counselling is now $500 per family will go up to $4,310 per person

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06/29/2026

Did you know?

"Section C is not changing under Care-first: pricing for Section C continues to reflect market pressures like inflation, repair costs, vehicle theft and tariffs, so customers may still see price changes on that portion of their policy, independent of the reform. The current guidelines remain in place. "

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06/23/2026

Auto insurance - commercial and personal just changed with one of our companies. For Hail, in high hail claim areas, they are imposing a $1000 deductible minimum for hail claims. Policies (not necessarily vehicles) with 2+ hail claims in the past 3 years no longer qualify for hail coverage. This is just one tactic one of our cheaper insurance companies is taking to remain one of the cheaper in Alberta ...

06/11/2026

Alberta Auto insurance is changing!

Alberta is removing its 22-year-old auto insurance 'grid' rating system, which caps premiums for high-risk drivers, as of Jan. 1, 2027.

05/06/2026

Good Driver update
Under the revised Good Driver criteria, eligibility for the 7.5% cap requires that drivers have no:

at-fault claims in the previous six years
criminal code convictions in the previous four years
major convictions in the previous three years
minor convictions in the previous three years.

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03/29/2026

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03/28/2026

https://www.newswire.ca/news-releases/government-s-care-first-system-delivers-on-promise-to-lower-auto-insurance-premiums-and-improve-care-for-albertans-806856092.html

/CNW/ - Today, the Alberta government released the findings of a new report that highlights significant consumer relief under its new Care-First auto insurance...

03/27/2026

https://www.discoverairdrie.com/articles/alberta-care-first-auto-insurance-promises-savings-but-report-shows-offsets

A new actuarial report released by the Automobile Insurance Rate Board projects lower premiums under Alberta’s proposed care-first auto insurance system, while the analysis also shows those savings are offset by cost increases in other areas and depend on changes to how claims are handled. The rep...