Aviva insurers to amalgamate

Summary#

This notice says that Aviva Insurance Company of Canada, Traders General Insurance Company, Elite Insurance Company and Pilot Insurance Company plan to apply to the Minister of Finance for letters patent to merge into a single company. The merged company would use the name Aviva Insurance Company of Canada (English) / Aviva, Compagnie d’Assurance du Canada (French), have its head office in Toronto, and the proposed effective date is January 1, 2026. The application is to be made on or after August 25, 2025, and the notice was published on August 23, 2025.

What it does#

• Announces a planned legal merger (an application for letters patent of amalgamation) under the Insurance Companies Act (Canada).
• Seeks to combine these four companies into one company named Aviva Insurance Company of Canada (English) / Aviva, Compagnie d’Assurance du Canada (French).
• States the head office of the combined company would be in Toronto, Ontario.
• Gives a proposed effective date of January 1, 2026, or whatever date the letters patent might set.
• Says the application will be made on or after August 25, 2025.
• Notes that this publication is not proof the merger will happen. Approval depends on the normal review and the discretion of the Minister of Finance.
• The notice was filed through solicitors Stikeman Elliott LLP.

Who's affected#

• Customers and policyholders of Aviva Insurance Company of Canada, Traders General Insurance Company, Elite Insurance Company and Pilot Insurance Company may notice changes over time.
• Employees, agents and brokers who work with any of the four companies could be affected by corporate or operational changes.
• Regulators and business partners who deal with those insurers will also be involved.
• The notice does not say exactly how insurance contracts, premiums, or claims handling will change, so it is unclear what immediate effects customers will see.

Why it matters#

• Merging four insurers into one can simplify the company structure and affect who handles your policy or claim.
• It could change where legal responsibility sits, who you contact for service, or how internal operations are organized — though the notice does not say that these things will definitely change.
• Because the merger still needs government approval, people with policies should watch for further communications from the companies or the Minister of Finance for details and any required steps.