Additional
reasons
1(1) In
this section,
(a) “at
fault claim” means an at fault claim as defined in Schedule 1 of the Premiums
Regulation;
(b) “driving
experience” means driving experience as defined in Schedule 1 of the Premiums
Regulation;
(c) “high‑risk
driver” means a driver who
(i) has at least one at fault claim,
(ii) has one or more serious traffic safety convictions, or
(iii) has 3 or less years driving experience;
(d) “Premiums
Regulation” means the Automobile Insurance Premiums Regulation
(AR 124/2004);
(e) “private
passenger vehicle” means a private passenger vehicle as defined in Schedule 1
of the Automobile Insurance Premiums Regulation (AR 124/2004);
(f) “serious
traffic safety conviction” means a serious traffic safety conviction as defined
in Schedule 4 of the Premiums Regulation.
(2) In
addition to the reasons set out in section 613.1(2)(a) to (e) of the Act, the
following are reasons under which adverse contractual action may be taken:
(a) the
insured or the applicant
(i) fails to complete the approved application form,
(ii) provides false information on the approved application form,
(iii) makes any misrepresentation on the application form, or
(iv) fails to submit any required information required in the approved
application form;
(b) subject
to subsection (3), the insured or the applicant refuses to provide, within the
time provided by the insurer, a completed approved vehicle inspection report
for a private passenger vehicle that is at least 12 model years old;
(c) the
insured or an applicant, after having the vehicle report completed, refuses,
within 30 days of the report being completed, to repair a component of the
vehicle that has been identified in the inspection report as being unsafe;
(d) the
insurer only insures vehicles that are not private passenger vehicles;
(e) in
the opinion of the Superintendent, on October 1, 2004, 80% of the policy
holders of the insurer are high‑risk drivers;
(f) the
applicant is applying for a contract or a renewal of a contract in respect of a
vehicle that is not a private passenger vehicle;
(g) the
applicant is applying for coverage or an endorsement in respect of a vehicle
that is not a private passenger vehicle;
(h) the
applicant does not hold a valid operator’s licence to operate a private
passenger vehicle in Canada.
(3) An
insurer may require a policy holder to complete a vehicle inspection report for
each vehicle that is 12 model years or older only once every 3 years.
Expiry
2 For the purpose of ensuring that this
Regulation is reviewed for ongoing relevancy and necessity, with the option
that it may be repassed in its present or an amended form following a review,
this Regulation expires on April 30, 2015.
