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 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 July 2004 C1 Filing Guidelines
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Category of Automobile Insurance: Personal Vehicles ... · R 2001 Dodge Ram 1500 Club Cab 4WD (VICC Code 2737) R 2002 Dodge Neon 4 door (VICC Code 2261) R Collision - $500 deductible
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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 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 July 2004 C1 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: ___________________________________________________________ CASE 2
Risk Description Coverages Operator #1 Operator #2 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 - $1,000,000 R 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, 10 km one way, annual mileage < 16,000 km R Drive to work, 20 km one way, ann. Mileage < 20,000 km R Direct Compensation - Property Damage - no deductible R 2001 Dodge Ram 1500 Club Cab 4WD (VICC Code 2737) R 2002 Dodge Neon 4 door (VICC Code 2261) R Collision - $500 deductible R 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 July 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 July 2004 C3 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: __________________________________________________________ CASE 4
Risk Description Coverages R Single Male, age 24 R Commute - 5 km one way, annual mileage under 12,000 km R Liability and OPCF 44R - $200,000 R Licensed 6 years, class G licence R 2003 Ford F150 Supercab 2WD (VICC Code 3630) R Basic Accident Benefits, Uninsured Automobile R No chargeable accidents in last 5 years R New business application to company R Direct Compensation - Property Damage - no deductible R 2 minor convictions in last 3 years 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 July 2004 C4 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: __________________________________________________________ CASE 5
Risk Description Coverages R Adult, age 40, principal operator, licensed 20 years, cl. G R Single male, age 18, occasional operator R Liability and OPCF 44R - $500,000 R No chargeable accidents or convictions in last 10 years R Licensed 2 yrs,1 year G1, 1 year G2, newly licensed as G R Basic Accident Benefits; Uninsured Automobile R Drive to work, 8 km one way, annual mileage < 16,000 km R No chargeable accidents or convictions since licensed R Direct Compensation - Property Damage - no R 2002 Toyota Corolla 4 door (VICC Code 0445) deductible R New business application to company 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 July 2004 C5 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: __________________________________________________________ CASE 6
Risk Description Coverages Operator #1 RMale, age 45 (husband) RLicensed 25 years, class G licence RNo chargeable accidents or convictions in last 10 years RDrive 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 #1a RSingle male, age 19 RLicensed 3 years with driver training: 1 year G1, 2 years G2, newly licensed as G R1 minor conviction at G2 level
Operator #2 R Liability and OPCF 44R- $1,000,000 RFemale, age 40 (wife) R Basic Accident Benefit, Uninsured Automobile RLicensed 20 years, class G licence R Direct Compensation - Property Damage - no RNo chargeable accidents or convictions in the last 6 years deductible RPleasure use only, annual mileage < 10,000 km R Collision - $500 deductible R2000 Dodge Caravan SE (VICC Code 2660) R Comprehensive - $300 deductible 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
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 July 2004 C6 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: ______________________________________________________________ CASE 7
Risk Description Coverages Operator #1 Operator #2 R Male, age 38 (husband), licensed 20 years, class G licence R Female, age 35 (wife), licensed 15 yrs, class G licence R Liability and OPCF 44R - $1,000,000 R 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 Direct Compensation -Property Damage - no deductible R New business application to company R Collision - $500 deductible R 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 July 2004 C7 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 July 2004 C8 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: ______________________________________________________________ CASE 9
Risk Description Coverages R Female, age 23, licensed 6 years R Drive to work - 8 km one way, annual mileage < 16,000 km R Liability and OPCF 44R - $500,000 R Class G licence (without driver training) R 2003 Chevrolet Cavalier 4 door (VICC Code 5570) R Basic Accident Benefits, Uninsured Automobile R 1 chargeable accident in last year (0 years accident free) R New business application to company R Direct Compensation - Property Damage - no deductible R 1 minor conviction in last 3 years . 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 July 2004 C9 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles
Company Name: ________________________________________________________________
Risk Description Operator #1 RMale, age 45 (husband) RLicensed 25 years, class G licence RNo chargeable accidents or convictions in last 10 years RDrive 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 #1a RSingle male, age 19 RLicensed 3 years with driver training: 1 year G1, 2 years G2, newly licensed as G R1 minor conviction at G2 level
CASE 10
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
Appendix C
Coverages R Income replacement at $600, $800 and $1,000 R Medical, Rehab and Attendant Care R Caregiver and Dependant Care R Funeral and Death R Indexation
Territory Income Replacement Medical, Caregiver Funeral Indexation Total (IR) Rehab &
Att. Care and
Dependant Care
and Death
$600 $800 $1,000 $600 - IR $800 - IR $1,000 - IR $600 $800 $1,000 & Other & Other & Other Benefits Benefits Benefits
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 5July 2004 C10 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: ________________________________________________________________ CASE 11
Risk Description Coverages Operator #1 Operator #2 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 Medical, Caregiver Funeral Indexation Total (IR) Rehab &
Att. Care and
Dependant and
Death Care
$600 $800 $1,000 $600 - IR $800 - IR $1,000 - IR $600 $800 $1,000 & Other & Other & Other Benefits Benefits Benefits
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 5July 2004 C11 Filing Guidelines
Category of Automobile Insurance: Personal Vehicles - Private Passenger Automobiles Appendix C
Company Name: ________________________________________________________________ Risk Profiles Rating Criteria