本文发表在 rolia.net 枫下论坛Ontario Regulation 664 was amended effective November 1, 1996 to prohibit the use of lapses in insurance coverage as a rating variable, except in those limited circumstances set out in the regulation. A copy of the regulation is attached.



This regulation prohibits an insurer from considering a lapse in insurance coverage for purposes of risk classification unless:



the insured person was convicted of driving without insurance during the lapse in coverage;

the lapse resulted from the termination of an automobile insurance policy because the insured person failed to pay the premiums due under the policy;

the lapse resulted from the suspension of the insured person's driver's license as a result of a driving conviction;

the lapse resulted from the insured person's attempt to misrepresent their driving record due to earlier accidents or convictions, in order to avoid paying higher insurance premiums.

Insurers cannot use any lapses in rating, other than those set out in the regulation. In addition, surrogate rating variables may not be used to circumvent the intent of the regulation (see examples below). The regulation will be strictly enforced by the OIC.更多精彩文章及讨论，请光临枫下论坛 rolia.net