CADRI is an industry association for direct relationship insurers.

CADRI is the voice of insurers offering automobile, home, and commercial insurance directly to Canadians. Through research, monitoring, and thought leadership, CADRI promotes a fair, healthy and competitive insurance market for the benefit of all Canadians. CADRI advocates for flexible and evolving regulatory and legislative frameworks governing automobile, property and commercial insurance. We aim to enable product and service innovation so that Canadians can easily choose insurance that serves their needs through the delivery channels of their choice.

Our mission

To be the voice of insurance enterprises that offer automobile, home and commercial insurance directly to Canadians.

Our vision

Canadians can choose from a variety of insurance products and services offered directly to them through modes of distribution that suit their preferences. Those products and services are designed based on modern data collection and risk modelling and enabled by nimble, flexible government supervision from coast to coast to coast.

   Our members

    • Allstate
    • Aviva
    • belairdirect
    • The Co-operators
    • Desjardins
    • RBC Insurance
    • Sonnet Insurance 
    • TD Insurance

Our activities

Working together, CADRI and its members have brought about significant changes in regulations and laws to enable fair treatment of consumers, competition and innovation.

In recent years, CADRI has made significant contributions in: 
  • Effective rollout of auto insurance reforms
  • Using credit scores to calculate risk
  • Alignment of regulations and e-commerce initiatives
  • Development of an anti-fraud consortium under the auspices of CANATICS
  • Multi-jurisdictional licensing harmonization
  • Property insurance research


301-250 Consumers Road
Toronto, Ontario M2J 4V6

Phone: 416 773-0101  Fax: 416 495-8723 


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