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Orders Issued by the Board during 2018 under the AUTOMOBILE INSURANCE ACT CHAPTER - 22, 1990



Order
Date Issued
Name of Applicant
Application Type
Description
Decision
January 29, 2018
Aviva General Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received October 2, 2017 from Aviva General Insurance Company is approved to be effective no sooner than June 1, 2018 for new business and for renewals.
2. Aviva General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
January 29, 2018
S&Y Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The application is denied.
2. S&Y Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
January 29, 2018
Traders General Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The application is denied.
2. Traders General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
February 8, 2018
Intact Insurance Company
Category 2
For approval to implement changes to endorsements for its Private Passenger Automobiles class of business.
1. The changes proposed by Intact Insurance Company on December 20, 2017 to standard endorsements S.E.F. 35 and S.E.F. 43R/43R(L), Plus Pac Options A, B, C and D, and the Claims Advantage endorsement for its Private Passenger Automobiles class of business are approved to be effective no sooner than April 11, 2018 for new business and May 11, 2018 for renewals.
March 14, 2018
S&Y Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received February 8, 2018 from S&Y Insurance Company is approved to be effective no sooner than July 1, 2018 for new business and for renewals.
2. S&Y Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
March 14, 2018
Traders General Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received February 8, 2018 from Traders General Insurance Company is approved to be effective no sooner than July 1, 2018 for new business and for renewals.
2. Traders General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
April 6, 2018
Co-operators General Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received March 12, 2018 from Co-operators General Insurance Company is approved to be effective no sooner than May 16, 2018 for new business and June 15, 2018 for renewals.
2. Co-operators General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
April 6, 2018
COSECO Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received March 12, 2018 from COSECO Insurance Company is approved to be effective no sooner than August 1, 2018 for new business and for renewals.
2. COSECO Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
April 6, 2018
CUMIS General Insurance Company
Category 2
For approval to adopt the most recent rates and rating program of COSECO Insurance Company for Private Passenger Automobiles class of business.
1. The proposed rates and rating program received January 16, 2018 from CUMIS General Insurance Company is approved to be effective no sooner than August 1, 2018 for new business and for renewals.
May 24, 2018
Novex Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received April 24, 2018 from Novex Insurance Company is approved to be effective no sooner than June 1, 2018 for new business and July 1, 2018 for renewals.
2. Novex Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
May 24, 2018
Royal and Sun Alliance Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received April 11, 2018 from Royal and Sun Alliance Insurance Company of Canada is approved to be effective no sooner than June 1, 2018 for new business and August 1, 2018 for renewals.
2. Royal and Sun Alliance Insurance Company of Canada will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
May 24, 2018
Unifund Assurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received March 2, 2018 from Unifund Assurance Company is approved to be effective no sooner than June 1, 2018 for new business and August 1, 2018 for renewals.
2. Unifund Assurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
June 4, 2018
Northbridge General Insurance Corporation
Category 2
For approval to implement a revised rating program for its Commercial Vehicles class of business.
1. The revised rating program received April 10, 2018, as amended on May 7, 2018, from Northbridge General Insurance Corporation is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Northbridge Personal Insurance Corporation
Category 2
For approval to implement a revised rating program for its Commercial Vehicles class of business.
1. The proposed rates and rating program received April 10, 2018, as amended on May 7, 2018, from Northbridge Personal Insurance Corporation is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Tokio Marine and Nichido Fire Insurance Company Limited
Category 2
For approval to implement a revised rating program for its Commercial Vehicles class of business.
1. The proposed rates and rating program received April 10, 2018, as amended on May 7, 2018, from Tokio Marine and Nichido Fire Insurance Company Limited is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Northbridge General Insurance Corporation
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received April 20, 2018, as amended on May 10, 2018, from Northbridge General Insurance Corporation is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Northbridge Personal Insurance Corporation
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received April 20, 2018, as amended on May 10, 2018, from Northbridge Personal Insurance Corporation is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Tokio Marine and Nichido Fire Insurance Company Limited
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received April 20, 2018, as amended on May 10, 2018, from Tokio Marine and Nichido Fire Insurance Company Limited is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 4, 2018
Elite Insurance Company
Category 2
To implement six new Non-Standard Endorsements forms for its Collector Cars class of business.
1. The proposal received April 26, 2018 from Elite Insurance Company to implement six new Non-Standard Endorsements for its Collector Cars line of business is approved to be effective no sooner than July 1, 2018 for new business and August 1, 2018 for renewals.
June 7, 2018
Intact Insurance Company
Category 2
For approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received March 12, 2018, as amended on May 24, 2018, from Intact Insurance Company is approved to be effective no sooner than July 17, 2018 for new business and August 17, 2018 for renewals.
2. Intact Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
June 15, 2018
Facility Association
Category 2
For approval of revised rates for its Newfoundland and Labrador Private Passenger Automobiles class of business.
1. The Application by Facility Association is denied.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
June 22, 2018
Novex Insurance Company
Category 2
For approval of changes to endorsements for its Private Passenger Automobiles class of business.
1. The proposal received June 4, 2018 from Novex Insurance Company for approval of changes to its Responsible Driver Guarantee endorsement and to its Optional Package of S.E.F. 20, S.E.F. 27 and S.E.F. 43R/43R(L) for its Private Passenger Automobiles class of business is approved to be effective no sooner than September 1, 2018 for new business and October 1, 2018 for renewals.
 July 13, 2018
Facility Association
Category 2
For approval of revised rates for its Newfoundland and Labrador Snow Vehicles class of business.
1. The revised rating program received November 30, 2017 from Facility Association for its Snow Vehicles class of business is approved to be effective no sooner than November 1, 2018 for new business and for renewals.
2. Facility Association will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
 July 13, 2018
Facility Association
Category 2
For approval of revised rates for its Newfoundland and Labrador Garage class of business.
The Application by Facility Association is denied.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
 July 13, 2018
Facility Association
Category 2
For approval of revised rates for its Newfoundland and Labrador Public Bus class of business.
The Application by Facility Association is denied.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
July 26, 2018
National Liability & Fire Insurance Company
Category 2
An application by IAO Actuarial Consulting Services Inc. on behalf of National Liability & Fire Insurance Company to adopt IAO advisory rates for Private Passenger Automobiles, Commercial Vehicles, All-Terrain Vehicles, and Snow Vehicles.
1. The application received June 26, 2018, amended on July 19, 2018, from IAO Actuarial Consulting Services Inc. on behalf of National Liability & Fire Insurance Company to adopt IAO advisory rates for Private Passenger Automobiles, Commercial Vehicles, All-Terrain Vehicles, and Snow Vehicles is approved to be effective no sooner than October 1, 2018.
August 15, 2018
Campaign to Protect Accident Victims
An automobile insurance review being undertaken by the Board pursuant to a direction under section 3.1 of the Insurance Companies Act; and, an application by the Campaign to Protect Accident Victims seeking permission to question Aviva Canada Inc.
1. The Application is dismissed.
October 4, 2018
Facility Association
Category 2
An application by Facility Association for approval of revised rates for its Newfoundland and Labrador Private Passenger Automobiles class of business. 
1. The revised rating program received July 20, 2018 from Facility Association for its Newfoundland and Labrador Private Passenger Automobiles class of business is approved to be effective no sooner than February 1, 2019 for both new business and renewals.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
October 4, 2018
Facility Association
Category 2
An application by Facility Association for approval of revised rates for its Newfoundland and Labrador Garage class of business.
1. The revised rating program received August 24, 2018 from Facility Association for its Newfoundland and Labrador Garage class of business is approved to be effective no sooner than February 1, 2019 for both new business and renewals.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
October 4, 2018
Facility Association
Category 2
An application by Facility Association for approval of revised rates for its Newfoundland and Labrador Public Bus class of business
1. The revised rating program received August 24, 2018 from Facility Association for its Newfoundland and Labrador Public Bus class of business is approved to be effective no sooner than February 1, 2019 for both new business and renewals.
2. Facility Association will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.
October 9, 2018
S&Y Insurance Company
Category 2
An application by S&Y Insurance Company for approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received August 2, 2018, amended September 17, 2018, from S&Y Insurance Company is approved to be effective no sooner than December 1, 2018 for new business and January 1, 2019 for renewals.
2. S&Y Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
October 9, 2018
Traders General Insurance Company
Category 2
An application by Traders General Insurance Company for approval to implement a revised rating program for its Private Passenger Automobiles class of business.
1. The revised rating program received August 2, 2018, amended September 17, 2018, from Traders General Insurance Company is approved to be effective no sooner than December 1, 2018 for new business and January 1, 2019 for renewals.
2. Traders General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
October 11, 2018
Co-operators General Insurance Company
Category 2
An application by Co-operators General Insurance Company for approval of changes to endorsements for its Private Passenger Automobiles and Light Commercial Vehicles classes of business.
1. The proposal received August 22, 2018 from Co-operators General Insurance Company for approval of changes to S.E.F. 43R/43R(L) and to introduce a new Physical Damage Extension Endorsement Package for its Private Passenger Automobiles and Light Commercial Vehicles classes of business is approved to be effective no sooner than January 16, 2019 for new business and February 15, 2019 for renewals.
October 12, 2018
The Dominion of Canada General Insurance Company
Category 2
An application by The Dominion of Canada General Insurance Company for approval to implement a revised rates for its Private Passenger Automobiles class of business.
1. The application is denied.
2. The Dominion of Canada General Insurance Company will be required to pay the costs of the Board associated with this filing, including the costs of the actuarial review.
November 5, 2018
The Dominion of Canada General Insurance Company
Category 2
An application by The Dominion of Canada General Insurance Company for approval of revised rates for its Private Passenger Automobiles class of business.
1. The revised rating program received October 16, 2018, amended October 19, 2018, from The Dominion of Canada General Insurance Company for its Private Passenger Automobiles class of business is approved to be effective no sooner than January 2, 2019 for new business and February 1, 2019 for renewals.
2. The Dominion of Canada General Insurance Company will pay all costs of the Board, including the cost of the actuarial review, arising from this Application.

 
     
 
 
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