I'll answer your question, with your permission, madam.
Yesterday, it was my pleasure to have lunch with Jean St-Gelais, President of the Autorité des marchés financiers in Quebec. From what I've seen, Quebec probably has the best regulated system in Canada as regards the property and casualty insurance industry.
That said, there are still other regions that have far to go to achieve healthy regulation of prices, in particular. Virtually all provinces apply a system to regulate property and casualty insurance prices, particularly in the car insurance field. The ironic aspect of the matter is that car insurance price regulation was created in the United States in the 1920s, not to protect the consumers, but to keep prices at a high enough level to prevent certain companies from becoming insolvent. A measure may appear to be designed to protect consumers, when that is far from being the case.