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Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description R Adult, age 70, qualifies for retirees discount R No chargeable accidents or convictions in last 10 years R New business application to company
CASE 1
R Licensed 50 years, class G licence R Pleasure use only, annual mileage under 10,000 km. R 2000 Ford Focus LX 4DR (VICC Code 9020)
Coverages R Liability and OPCF 44R - $1,000,000 R Basic Accident Benefits, Uninsured Automobile RDirect Compensation - Property Damage - $0 deductible R Collision - $500 deductible R Comprehensive - $300 deductible
Territory Liability - BI Liability - PD AB UA DC-PD Coll Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C1 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description CASE 2 Operator # 1 Operator #2 Coverages
R Male, age 40 (hus.), licensed 24 years, class G licence R Female, age 39 (wife), licensed 20 years, class G licence R Liability and OPCF 44R - $1,000,000R No chargeable accidents or convictions in last 6 years R No chargeable accidents or convictions in last 6 years R Basic Accident Benefits, Uninsured AutomobileR Drive to work, 10km. one way, annual mileage<16,000 km. R Drive to work, 20km. one way, ann. mileage<20,000 km. R Direct Compensation - Property Damage - no deductibleR 2001 Dodge Ram 1500 Club Cab 4WD (VICC Code 2737) R 2002 Dodge Neon 4 door (VICC Code 2261) R Collision - $500 deductibleR New business application to company R New business application to company R Comprehensive - $300 deductible
Territory Liability- BI Liability-PD AB UA DC-PD Coll Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London - (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay - (P7K)Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C2 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
CASE 3 Risk Description Coverages R Male, single, age 19 R Liability and OPCF 44R - $500,000 R Licensed 3 years, 1 year with class G licence, Owner and Principal Operator R Basic Accident Benefits, Uninsured Automobile R Commute - 5 km. one way, annual mileage under 12,000 km. R Direct Compensation - Property Damage - no deductible R 2001 Honda Civic DX 2 door Coupe (VICC Code 0258) R Collision - $500 deductible R New business application to company R Comprehensive - $300 deductible
Territory Liability- BI Liability-PD AB UA DC-PD Coll Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C3 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description R Single Male, age 24 R Licensed 6 years, class G licence R No chargeable accidents in last 5 years R 2 minor convictions in last 3 years
CASE 4
R Commute - 5 km. one way, annual mileage under 12,000 km. R 2003 Ford F150 Supercab 2WD (VICC Code 3630) R New business application to company
Coverages R Liability and OPCF 44R - $200,000 R Basic Accident Benefits, Uninsured Automobile R Direct Compensation - Property Damage - no deductible R Collision - $500 deductible R Comprehensive - $300 deductible
Territory Liability - BI Liability -PD AB UA DC-PD Collision Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C4 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description CASE 5 Coverages
R Adult, age 40, principal operator,licensed 20 years, cl. G R No chargeable accidents or convictions in last 10 years R Drive to work, 8 km one way, annual mileage<16,000 km. R 2002 Toyota Corolla 4 door (VICC Code 0445) R New business application to company
R Single male, age 18, occasional operator R Licensed 2 yrs1 year G1, 1 year G2,newly licensed as G R No chargeable accidents or convictions since licensed
R Liability and OPCF 44R - $500,000 R Basic Accident Benefits; Uninsured Automobile R Direct Compensation - Property Damage - no deductible R Comprehensive - $300 deductible
Territory Liability - BI Liability - PD AB UA DC-PD Collision Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C5 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description CASE 6 Coverages
Operator 1RMale, age 45 (husband)RLicensed 25 years, class G licenceRNo chargeable accidents or convictions in last 10 yearsRDrive to work - 50 km. one way, annual mileage < 40,000 km. R2003 Mazda Protege ES 5 door (VICC Code 7715)RNew business application to company
Operator #1aRSingle male, age 19RLicensed 3 years with driver training: 1 year G1, 2 years G2, newly licensed as GR1 minor conviction at G2 level \
Operator #2 RFemale, age 40 (wife) RLicensed 20 years, class G licence RNo chargeable accidents or convictions in the last 6 years RPleasure use only, annual mileage < 10,000 km. R2000 Dodge Caravan SE (VICC Code 2660) RNew business application to company
Operator #2a RFemale, age 22 RLicensed 2 years without driver training: 1 year G1, 1 year G2, newly licensed as G RNo chargeable accidents or convictions since licensed
R Liability and OPCF 44R- $1,000,000 RBasic Accident Benefit, Uninsured Automobile R Direct Compensation-Property Damage - no deductible R Collision - $500 deductible R Comprehensive - $300 deductible
Territory
Liability
AB UA DC-PD Coll Comp OPCF 44R TotalBI PD
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C6 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Territory
Liability
AB UA DC-PD Coll Comp OPCF 44R TotalBI PD
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C7 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description CASE 7 Operator # 1 Operator #2 Coverages
R Male, age 38 (husband), Licensed 20 years, class G R Female, age 35 (wife), Licensed 15 yrs, class G licence R Liability and OPCF 44R - $1,000,000 licence R No chargeable accidents or convictions in the last 6 years R Basic Accident Benefits, Uninsured AutomobileR No chargeable accidents or convictions in last 6 years R Direct Compensation -Property Damage - no deductibleR Drive to work, 10km. one way, annual mileage<16,000 km. R Collision - $500 deductibleR New business application to companyR 2002 Ford Taurus LX 4 door (VICC Code 3427) R Comprehensive - $300 deductible
Territory Liability - BI Liability -PD AB UA DC-PD Collision Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London - (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C8 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
CASE 8 Risk Description Coverages
R Adult, age 40 R Drive to work - 8 km., one way R Liability and OPCF 44R - $1,000,000 R Licensed 20 years, class G licence R Annual mileage < 16,000 km. R Basic Accident Benefits, Uninsured Automobile R 1 chargeable accident in last 5 years R New business application to company R Direct Compensation - Property Damage - no deductible
(Accident last year - 1 year accident free) R Collision - $500 deductible R 1 major conviction in last 3 years R Comprehensive - $300 deductible R 2001 Hyundai Tiburon 2 door (VICC Code 0535)
Territory Liability- BI Liability-PD AB UA DC-PD Coll Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C9 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Description R Female, age 23, licensed 6 years R Class G licence (without driver training) R 1 chargeable accident in last year (0 years accident free) R 1 minor conviction in last 3 years
CASE 9
R Drive to work - 8 km. one way, annual mileage < 16,000 km. R 2003 Chevrolet Cavlier 4 door (VICC Code 5570) R New business application to company .
Coverages R Liability and OPCF 44R - $500,000 R Basic Accident Benefits, Uninsured Automobile R Direct Compensation - Property Damage - no deductible R Collision - $500 deductible R Comprehensive - $300 deductible
Territory Liability- BI Liability - PD AB UA DC-PD Coll Comp OPCF 44R Total
Toronto - (M4Y) Current
Proposed
% +/- to Current Rates
Hamilton - (L8V) Current
Proposed
% +/- to Current Rates
Ottawa - (K1Y) Current
Proposed
% +/- to Current Rates
London - (N6A) Current
Proposed
% +/- to Current Rates
Windsor - (N8W) Current
Proposed
% +/- to Current Rates
Brockville - (K6V) Current
Proposed
% +/- to Current Rates
Sudbury - (P3E) Current
Proposed
% +/- to Current Rates
Thunder Bay-(P7K) Current
Proposed
% +/- to Current Rates
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C10 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
CASE 10 Risk Description Coverages
Operator 1 Operator #2 R Income replacement at $600, $800,and $1,000 RMale, age 45 (husband) RFemale, age 40 (wife) R Medical, Rehab,and Attendant Care RLicensed 25 years, class G licence RLicensed 20 years, class G licence R Caregiver and Dependant Care RNo chargeable accidents or convictions in last 10 years RNo chargeable accidents or convictions in the last 6 R Funeral and Death RDrive to work - 50 km. one way, annual mileage < 40,000 years R Indexation km. RPleasure use only, annual mileage < 10,000 km. R2003 Mazda Protege ES 5 door (VICC Code 7715) R2000 Dodge Caravan SE (VICC Code 2660) RNew business application to company RNew business application to company
Operator #1a Operator #2a RSingle male, age 19 RFemale, age 22 RLicensed 3 years with driver training: 1 year G1, 2 years RLicensed 2 years without driver training: 1 year G1, 1 G2, newly licensed as G year G2, newly licensed as G R1 minor conviction at G2 level RNo chargeable accidents or convictions since licensed
Territory Income Replacement (IR)
Medical, Rehab & Att. Care
Caregiver and
Dependant Care
Funeral and
Death
Indexation Total
$600 $800 $1,000 $600 -IR $800 -IR $1,000 -IR $600 $800 $1,000 & Other & Other & Other Benefits Benefits Benefits
(1a)+(2)+ (1b)+(2)+ (1c)+(2)+ (1a) (1b) (1c) (2) (3) (4) (5a) (5b) (5c) (3)+(4)+(5a) (3)+(4)+(5b) (3)+(4)+(5c)
Toronto - Current
(M4Y) Proposed
% +/- to Current
Notes: In (1a), (1b), and (1c), record only the cost of income replacement, non-indexed. In (5a) record the cost of indexation of income replacement at $600, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care. In (5b) record the cost of indexation of income replacement at $800, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care. In (5c) record the cost of indexation of income replacement at $1,000, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care.
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C11 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
CASE 11 Risk Description
Operator # 1 Operator #2 Coverages
R Male, age 38 (husband), Licensed 20 years, class G R Female, age 35 (wife), Licensed 15 years, class G R Income replacement at $600, $800,and $1,000 licence licence R Medical, Rehab,and Attendant Care R No chargeable accidents or convictions in last 6 years R No chargeable accidents or convictions in the last 6 R Caregiver and Dependant Care R Drive to work, 10 km. one way, annual mileage < 16,000 years R Funeral and Death km. R Indexation R New business application to company R 2002 Ford Taurus LX 4 door (VICC Code 3427)
Territory Income Replacement (IR)
Medical, Rehab & Att. Care
Caregiver and
Dependant Care
Funeral and
Death
Indexation Total
$600 $800 $1,000 $600 -IR $800 -IR $1,000-IR $600 $800 $1,000 & Other & Other & Other Benefits Benefits Benefits
(1a)+(2)+ (1b)+(2)+ (1c)+(2)+ (1a) (1b) (1c) (2) (3) (4) (5a) (5b) (5c) (3)+(4)+(5a) (3)+(4)+(5b) (3)+(4)+(5c)
Toronto - Current
(M4Y) Proposed
% +/- to Current
Notes: In (1a), (1b), and (1c), record only the cost of income replacement, non-indexed. In (5a) record the cost of indexation of income replacement at $600, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care. In (5b) record the cost of indexation of income replacement at $800, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care. In (5c) record the cost of indexation of income replacement at $1,000, Medical, Rehabilitation and Attendant Care, and Caregiver and Dependant Care.
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C12 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Risk Profiles Rating Criteria
Case Territory
Rating Territory
Operator
Rate Class
Driving Record
Vehicle Rate Group Discount/ SurchargeAB DC-PD &
Coll Comp/SP
curr prop curr prop curr prop curr prop curr prop curr prop curr prop
1 Toronto (M4Y)
Hamilton (L8V)
Ottawa (K1Y)
London (N6A) Operator
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
2 Toronto (M4Y)
Hamilton (L8V)
Ottawa (K1Y) Operator #1
London (N6A)
Windsor (N8W)
Brockville (K6T) Operator #2
Sudbury (P3E)
Thunder Bay (P7K)
3 Toronto (M4Y)
Hamilton (L8V)
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C13 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Case Territory
Rating Territory
Operator
Rate Class
Driving Record
Vehicle Rate Group Discount/ SurchargeAB DC-PD &
Coll Comp/SP
curr prop curr prop curr prop curr prop curr prop curr prop curr prop
Ottawa (K1Y)
London (N6A) Operator
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
4 Toronto (M4Y)
Hamilton (L8V)
Ottawa (K1Y)
London (N6A) Operator
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
5 Toronto (M4Y)
Hamilton (L8V)
Ottawa (K1Y) Operator #1
London (N6A)
Windsor (N8W)
Brockville (K6T) Operator #1a
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C14 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Case Territory
Rating Territory
Operator
Rate Class
Driving Record
Vehicle Rate Group Discount/ SurchargeAB DC-PD &
Coll Comp/SP
curr prop curr prop curr prop curr prop curr prop curr prop curr prop
Sudbury (P3E)
Thunder Bay (P7K)
6 Toronto (M4Y)
Hamilton (L8V) Operator #1
Ottawa (K1Y) Operator #1a
London (N6A)
Windsor (N8W) Operator #2
Brockville (K6T) Operator #2a
Sudbury (P3E)
Thunder Bay (P7K)
7 Toronto (M4Y)
Hamilton (L8V) Operator #1
Ottawa (K1Y) Operator #2
London (N6A)
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
8 Toronto (M4Y)
Hamilton (L8V)
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C15 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name:
Case Territory
Rating Territory
Operator
Rate Class
Driving Record
Vehicle Rate Group Discount/ SurchargeAB DC-PD &
Coll Comp/SP
curr prop curr prop curr prop curr prop curr prop curr prop curr prop
Ottawa (K1Y)
London (N6A) Operator
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
9 Toronto (M4Y)
Hamilton (L8V)
Ottawa (K1Y)
London (N6A) Operator
Windsor (N8W)
Brockville (K6T)
Sudbury (P3E)
Thunder Bay (P7K)
Financial Services Commission of Ontario Bill 5 SimplifiedJanuary 2004 C16 Filing Guidelines