Company Name:
Implementation Dates
New Business:
Renewal Business:
(e.g. 09/01/10 for September 1, 2010)
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: January 0, 1900
Profile 1.1 Private Passenger: COMBINED Renewal Business: January 0, 1900
Operator 1: Operator 2 (Occasional): Coverages:
Male, Age 23, Married Female, Age 23, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Driver training Accident Benefits - Standard
Licenced 6 years, Class G Licenced 4 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 2 years 1 year level 2 graduated licence (G2), 3 years full licence (G) Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Renewal - with present company 2 years Comprehensive - $300 Deductible
No at-fault accidents No at-fault accidents
No convictions No convictions
2005 Hyundai Elantra GLS 4DR (VICC Code 0528)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 1 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 1.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 23, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 6 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 2 years Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2005 Hyundai Elantra GLS 4DR (VICC Code 0528)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 2 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 1.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: (Occasional) Coverages:
Female, Age 23, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 4 years, Class 5 licence/G in Ontario: Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 3 years full licence (G) Collision - $500 Deductible
Renewal - with present company 2 years Comprehensive - $300 Deductible
No at-fault accidents
No convictions
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 3 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 2.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2 (Secondary): Coverages:
Male, Age 28, Married Female, Age 27, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Driver training Accident Benefits - Standard
Licenced 10 years, Class 5 licence/G in Ontario Licenced 10 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 2 years Renewal - with present company 2 years Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way No at-fault accidents Comprehensive - $300 Deductible
No at-fault accidents No convictions
No convictions
2005 Toyota RAV4 4WD (VICC Code 7638)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 4 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 2.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 28, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 10 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 2 years Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2005 Toyota RAV4 4WD (VICC Code 7638)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 5 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 2.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: (Secondary) Coverages:
Female, Age 27, Married Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 10 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 2 years Collision - $500 Deductible
No at-fault accidents Comprehensive - $300 Deductible
No convictions
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 6 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 3.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2 (Occasional): Coverages:
Female, Age 52 Male, Age 21 Liability and OPCF 44R - $1,000,000 Limit
No driver training Driver training Accident Benefits - Standard
Licenced 30 years, Class G Licenced 3 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business 1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
Annual mileage 25,000 km, travel to/from work 25 km one way New business Comprehensive - $300 Deductible
No at-fault accidents No at-fault accidents
No convictions No convictions
2007 Dodge Caravan SXT (VICC Code 2660)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 7 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 3.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Female, Age 52 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 30 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business Collision - $500 Deductible
Annual mileage 25,000 km, travel to/from work 25 km one way Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2007 Dodge Caravan SXT (VICC Code 2660)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 8 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 3.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: (Occasional) Coverages:
Male, Age 21 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 3 years, Class G Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
New business Comprehensive - $300 Deductible
No at-fault accidents
No convictions
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 9 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 4.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2 (Occasional): Coverages:
Male, Age 55 Male, Age 19 Liability and OPCF 44R - $1,000,000 Limit
No driver training Driver Training Accident Benefits - Standard
Licenced 35 years, Class G Licenced 2 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 5 years 1 year level 2 graduated licence (G2), 1 year full licence (G) Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way No at-fault accidents Comprehensive - $300 Deductible
1 at-fault accident 24 months ago Convictions - 1 minor violation 12 months ago,
No convictions 1 minor violation 24 months ago
2008 Nissan Altima, 2.5S Hybrid 4DR (VICC Code 1457)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 10 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 4.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 55 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 35 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal - with present company 5 years Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Comprehensive - $300 Deductible
1 at-fault accident 24 months ago
No convictions
2008 Nissan Altima, 2.5S Hybrid 4DR (VICC Code 1457)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 11 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 4.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2 (Occasional): Coverages:
Male, Age 19 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 2 years, Class 5 licence/G in Ontario: Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 1 year full licence (G) Collision - $500 Deductible
No at-fault accidents Comprehensive - $300 Deductible
Convictions - 1 minor violation 12 months ago, 1 minor violation 24 months ago
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 12 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 5.1 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 70, Retired Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 45 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business Collision - $500 Deductible
Pleasure use - annual mileage 11,000 km Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2006 Ford Fusion SE 4DR (VICC Code 3440)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 13 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 6.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2: Coverages:
Male, Age 40, Married Female, Age 39, Married Liability and OPCF 44R - $1,000,000 Limit
No driver training No driver training Accident Benefits - Standard
Licenced 24 years, Class 5 licence/G in Ontario Licenced 20 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business New Business Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Pleasure use - annual mileage 9,000 km Comprehensive - $300 Deductible
No at-fault accidents No at-fault accidents
No convictions No convictions
2004 Chevrolet Silverado 1500 HD CC 4WD (VICC Code 5846) 2005 Honda Civic SE Coupe 2DR (VICC Code 0258)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 14 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 6.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 40 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 24 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 10 km one way Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2004 Chevrolet Silverado 1500 HD CC 4WD (VICC Code 5846)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 15 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 6.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: Coverages:
Female, Age 39 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 20 years, Class G Direct Compensation-Property Damage - $0 Deductible
New Business Collision - $500 Deductible
Pleasure use - annual mileage 9,000 km Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2005 Honda Civic SE Coupe 2DR (VICC Code 0258)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 16 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 7.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2 (Occasional): Coverages:
Male, Age 55 Male, Age 20 Liability and OPCF 44R - $1,000,000 Limit
No driver training Driver training Accident Benefits - Standard
Licenced 30 years, Class G Licenced 3 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal, 3 years with present company 1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
Annual mileage 20,000 km, travel to/from work 15 km one way Renewal, 3 years with present company Comprehensive - $300 Deductible
No at-fault accidents 1 at-fault accident 2 years ago
Convictions - 1 minor conviction 12 months ago, 1 minor conviction 24 months ago No convictions
2005 Toyota Corolla CE 4DR (VICC Code 0445)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 17 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 7.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 55 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 30 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal, 3 years with present company Collision - $500 Deductible
Annual mileage 20,000 km, travel to/from work 15 km one way Comprehensive - $300 Deductible
No at-fault accidents
Convictions - 1 minor conviction 12 months ago, 1 minor conviction 24 months ago
2005 Toyota Corolla CE 4DR (VICC Code 0445)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 18 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 7.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: (Occasional) Coverages:
Male, Age 20 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 3 years, Class G Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
Renewal, 3 years with present company Comprehensive - $300 Deductible
1 at-fault accident 2 years ago
No convictions
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 19 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 8.1 Private Passenger: COMBINED Renewal Business: Saturday, January 00, 1900
Operator 1: Operator 2 (Occasional): Coverages:
Female, Age 50 Female, Age 19 Liability and OPCF 44R - $1,000,000 Limit
No driver training Driver training Accident Benefits - Standard
Licenced 25 years, Class G Licenced 2 years, Class G : Direct Compensation-Property Damage - $0 Deductible
Renewal, 3 years with present company 1 year level 2 graduated licence (G2), 1 year full licence (G) Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 15 km one way Renewal, 3 years with present company Comprehensive - $300 Deductible
1 at-fault accident 4 years ago No at-fault accidents
No convictions Convictions - 1 minor conviction 12 months ago
2008 Audi A4 3.2 Quattro Wagon (VICC Code 9576)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0 0 0 0 0 0 0 0 0
Proposed 0 0 0 0 0 0 0 0 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 20 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 8.2 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Female, Age 50 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 25 years, Class G Direct Compensation-Property Damage - $0 Deductible
Renewal, 3 years with present company Collision - $500 Deductible
Annual mileage 15,000 km, travel to/from work 15 km one way Comprehensive - $300 Deductible
1 at-fault accident 4 years ago
No convictions
2008 Audi A4 3.2 Quattro Wagon (VICC Code 9576)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 21 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 8.3 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 2: (Occasional) Coverages:
Female, Age 19 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 2 years, Class G Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 1 year full licence (G) Collision - $500 Deductible
Renewal, 3 years with present company Comprehensive - $300 Deductible
No at-fault accidents
Convictions - 1 minor conviction 12 months ago
Property Total Mandatory Total Optional
Territory Bodily Injury DC-PD Accident Benefits Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 22 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 9.1 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 19 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 2 years, Class G Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
Renewal, 2 years with present company Comprehensive - $300 Deductible
No at-fault accidents
No Convictions
2005 Mazda3 GS Sedan 4DR (VICC Code 7724)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0.0 0.0 0.0
Proposed 0.0 0.0 0.0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 23 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 10.1 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Male, Age 19 Liability and OPCF 44R - $1,000,000 Limit
Driver training Accident Benefits - Standard
Licenced 2 years, Class G Direct Compensation-Property Damage - $0 Deductible
1 year level 2 graduated licence (G2), 2 years full licence (G) Collision - $500 Deductible
Renewal, 2 years with present company Comprehensive - $300 Deductible
1 at-fault accident 2 years ago
Convictions - 1 minor violation 12 months ago, 1 minor violation 24 months ago
2005 Mazda3 GS Sedan 4DR (VICC Code 7724)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 24 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 11.1 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Female, Age 35 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 15 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business Collision - $500 Deductible
Annual mileage 25,000 km, travel to/from work 25 km one way Comprehensive - $300 Deductible
No at-fault accidents
No convictions
2009 Nissan Versa Hatchback 1.8S 4DR (VICC Code 1433)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 25 PPA Filing Guidelines
Appendix C Rating Profiles
Company Name: 0 Implementation Dates
New Business: Saturday, January 00, 1900
Profile 12.1 Private Passenger: Renewal Business: Saturday, January 00, 1900
Operator 1: Coverages:
Female, Age 35 Liability and OPCF 44R - $1,000,000 Limit
No driver training Accident Benefits - Standard
Licenced 15 years, Class G Direct Compensation-Property Damage - $0 Deductible
New business Collision - $500 Deductible
Annual mileage 25,000 km, travel to/from work 25 km one way Comprehensive - $300 Deductible
1 at-fault accident 2 years ago, 1 at-fault accident 4 years ago
Convictions - 1 criminal code conviction 12 months ago, 1 major violation 18 months ago, 1 major violation 24 months ago
2009 Nissan Versa Hatchback 1.8S 4DR (VICC Code 1433)
Property Accident Total Mandatory Total Optional
Territory Bodily Injury DC-PD Uninsured Auto OPCF 44R Collision Comprehensive Total
Damage Benefits Coverages Coverages
Toronto M4Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Ottawa K1Y Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
London N6A Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Windsor N8W Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Sudbury P3E Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Thunder Bay P7K Current 0 0 0
Proposed 0 0 0
% +/- to Current Rates
Classification Treatment: By operator, specify class, driving record, rate group, etc., and the % amount of any applicable discounts or surcharges.
Current: Proposed:
March 2010 Five-Year Review Reform
Financial Services Commission of Ontario Page 26 PPA Filing Guidelines