Following the adoption of Bill 141, various changes have been made in the area of condominium insurance (known as "divided co-ownership" in Quebec). A number of amendments to the provincial Civil Code came into effect on December 13. They involve:

• The description of "private portions" or areas.
• The funds earmarked by the syndicate for payment of deductibles or if there is insufficient or no insurance.
• The right of subrogation.
• The syndicate's obligations if a claim is not submitted. 

To reflect these changes, the Insurance Bureau of Canada (IBC) has modified the wording of certain forms for co-owner occupants (BAC 1510Q/BAC 1511Q) made available to insurers.

The updated version of these forms will come into effect on March 15, 2019 and should be reflected in the co-ownership insurance contracts offered to your clients. To facilitate the implementation of these changes, the IBC also issued rider BAC 1599Q pertaining to changes to co-ownership insurance contracts with the same types of coverage as on the revised forms.

If you would like additional information on the updates to these forms, please contact your representative or speak directly with the IBC's information centre.

Please note that the RCCAQ offers training in the area of co-ownership; this activity can be arranged for your firm, either on-site or online. For further information, please contact us.