2020-21 Emergency Filing Approvals and Auto Insurance Rebates | Financial Services Regulatory Authority of Ontario

Insurer group	Insurer	Approval date	Approved rate reduction and filing details	Rate reduction or discount currently available to consumers?	Consumer required to contact insurer for rate reduction or discount?	2020 Premium rebate delivered?	2020 Premium rebate details
Allstate	Allstate Insurance Company of Canada	25/06/2020	5% Reduced driving discount	Yes	Yes	Yes	First Rebate: 25% of one month's premium Second Rebate: 25% of one month's premium
		25/06/2020	5% Increased UBI enrollment discount	Yes	Yes
		01/12/2020	3.5% Base rate decrease	Yes	No
Allstate	Pembridge Insurance Company	01/12/2020	5% Increased UBI Enrollment Discount	Yes	Yes	Yes	First Rebate: 25% of one month's premium Second Rebate: 25% of one month's premium
Allstate	Pembridge Insurance Company	01/12/2020	4% Base rate decrease	Yes	No	Yes
Allstate	Pafco Insurance Company	--	--	--	--	Yes	First Rebate: 25% of one month's premium Second Rebate: 25% of one month's premium
Aviva	Aviva General Insurance Company	29/04/2020	Premium capping	Expired	No	No
		29/04/2020	15% Reduced driving discount	Expired	Yes	No
		02/07/2020	5% Base rate decrease	Yes	No	No
Aviva	Aviva Insurance Company of Canada	29/04/2020	Premium capping	Yes	No	No
		29/04/2020	15% Reduced driving discount	Expired	Yes
		02/07/2020	5% Base rate decrease	Yes	No
Aviva	S&Y Insurance Company	08/07/2020	5% Base rate decrease	Yes	No	No
		29/04/2020	Premium capping	Yes	No
		29/04/2020	15% Reduced driving discount	Expired	Yes
Aviva	Scottish & York Insurance Co. Limited	29/04/2020	Premium capping	Yes	No	No
		29/04/2020	15% Reduced driving discount	Expired	Yes
		02/07/2020	5% Base rate decrease	Yes	No
Aviva	Traders General Insurance Company	29/04/2020	Premium capping	Yes	No	No
		29/04/2020	15% Reduced driving discount	Expired	Yes
		02/07/2020	5% Base rate decrease	Yes	No
CAA	CAA Insurance Company	29/04/2020	Reduction in fees	Expired	No	Yes	First Rebate: $100 per policy Second Rebate: $50 per policy
CAA	CAA Insurance Company	29/04/2020	10% Base rate decrease	Yes	No	Yes	First Rebate: $100 per policy Second Rebate: $50 per policy
CAA	Echelon Insurance	13/05/2020	Reduction in fees	Expired	No	No
CAA	Echelon Insurance	13/05/2020	15% Reduced driving discount	Yes	Yes	No
Commonwell	Commonwell Mutual Insurance Group (The)	25/05/2020	Reduction in fees	Expired	No	Yes	$100 per household
Co-op	Co-operators General Insurance Company	13/05/2020	Premium capping	Yes	No	No
Co-op	Co-operators General Insurance Company	21/07/2020	15% Reduced driving discount	Expired	Yes	No
Co-op	COSECO Insurance Company	15/07/2020	15% Reduced driving discount	Expired	Yes	No
Co-op	CUMIS General Insurance Company	12/05/2020	Premium capping	Expired	No	Yes	15% of 2 months' premiums
Desjardins	Certas Direct Insurance Company	27/05/2020	Premium capping	Expired	No	Yes	40% of 1 month's premium
Desjardins	Certas Direct Insurance Company	27/05/2020	Reduced driving discount***	Expired	Yes	Yes	40% of 1 month's premium
Desjardins	Certas Home and Auto Insurance Company	27/05/2020	Premium capping	Expired	No	Yes	40% of 1 month's premium
Desjardins	Certas Home and Auto Insurance Company	27/05/2020	Reduced driving discount***	Expired	Yes	Yes	40% of 1 month's premium
Desjardins	Personal Insurance Company (The)	27/05/2020	Premium capping	Expired	No	Yes	40% of 1 month's premium
Desjardins	Personal Insurance Company (The)	27/05/2020	Reduced driving discount***	Expired	Yes	Yes	40% of 1 month's premium
Economical	Economical Mutual Insurance Company	22/05/2020	Premium capping	Expired	No	No
			Reduced driving discount***	Expired	Yes
			Reduction in fees	Expired	No
		22/06/2020	Premium capping	Yes	No
		22/06/2020	5% Base rate decrease	Yes	No
Economical	Sonnet Insurance Company	20/05/2020	Reduced driving discount***	Expired	Yes	No
Economical	Sonnet Insurance Company	20/05/2020	Reduction in fees	Expired	No	No
Gore	Gore Mutual Insurance Company	27/04/2020	Reduction in fees	Expired	No	Yes	20% of 3 months' premium
Gore	Gore Mutual Insurance Company	29/06/2020	5% Base rate decrease	Yes	No	Yes	20% of 3 months' premium
Heartland	Heartland Farm Mutual Inc.	29/04/2020	5% Base rate decrease	Expired	No	No
Heartland	Heartland Farm Mutual Inc.	29/04/2020	Reduction in fees	Expired	No	No
Intact	Belair Insurance Company Inc.	09/04/2020	Premium capping	Expired	No	No
		09/04/2020	Reduction in fees	Expired	No
		04/06/2020	4.75% Base rate decrease	Yes	No
		04/06/2020	15.0% to 25.0% Reduced driving discount	Expired	Yes
Intact	Intact Insurance Company	09/04/2020	Premium capping	Expired	No	No
		09/04/2020	Reduction in fees	Expired	No
		04/06/2020	5% Base rate decrease	Yes	No
		04/06/2020	15% Reduced driving discount	Expired	Yes
		09/11/2020	Reduced rates for some customers**	Yes	No
Intact	Jevco Insurance Company	11/06/2020	Reduction in fees	Expired	No	No
Intact	Jevco Insurance Company	11/06/2020	15% Reduced driving discount	Expired	Yes	No
Intact	Novex Insurance Company	15/04/2020	Premium capping	Expired	No	No
		15/04/2020	Reduction in fees	Expired	No	No
		05/06/2020	5% Base rate decrease	Yes	No	No
		05/06/2020	15% Reduced driving discount	Expired	Yes	No
La Capitale	Unica Insurance Inc.	27/04/2020	Reduction in fees	Expired	No	Yes	15% of 3 months' premium
Northbridge	Federated Insurance Company of Canada	02/10/2020	Premium capping	Yes	No	No
Northbridge	Northbridge General Insurance Corporation	--	--	--	--	Yes	15% of 3 months' premium
Northbridge	Tokio Marine & Nichido Fire Insurance Co., Ltd.	--	--	--	--	Yes	15% of 3 months' premium
Northbridge	Verassure Insurance Company	30/06/2020	5% Increased Home and Auto discount	Expired	No	Yes	100% of one month's premium
Optimum	Optimum Insurance Company Inc.	01/06/2020	3% Consumer relief discount	Yes	No	No
Peel	Peel Mutual Insurance Company	12/06/2020	Reduction in fees	Expired	No	No
RSA	Royal & SunAlliance Insurance Company of Canada	29/04/2020	Reduction in fees	Expired	No	No
		05/05/2020	Premium capping	Expired	No
		27/07/2020	1% Increased Home and Auto discount	Yes	No
		27/07/2020	1.0% to 3.8% Driving record decrease*	Yes	No
RSA	Unifund Assurance Company	29/04/2020	Reduction in fees	Expired	No	Yes	10% of 3 months' premium
		12/08/2020	3.8% Base rate decrease	Yes	No
		12/08/2020	3.0% to 5.0% Increased discount for select groups	Yes	No
RSA	Western Assurance Company	29/04/2020	Reduction in fees	Expired	No	No
		05/05/2020	Premium capping	Expired	No
		27/07/2020	1% Increased Home and Auto discount	Yes	No
		27/07/2020	1.0% to 3.8% Driving record decrease*	Yes	No
SGI	Coachman Insurance Company	29/04/2020	Reduction in fees	Expired	No	No
SGI	SGI CANADA Insurance Services Ltd.	28/04/2020	Reduction in fees	Expired	No	No
TD	Primmum Insurance Company	23/04/2020	Premium capping	Expired	No	Yes	$30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)
		25/05/2020	15% Reduced driving discount	Expired	Yes
		25/05/2020	Reduction in fees	Expired	No
TD	Security National Insurance Company	23/04/2020	Premium capping	Expired	No	Yes	$30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)
		25/05/2020	15% Reduced driving discount	Expired	Yes
		25/05/2020	Reduction in fees	Expired	No
TD	TD General Insurance Company	23/04/2020	Premium capping	Expired	No	Yes	$30 per policy (only to active clients who had not requested Essential Driving Discount by August 31, 2020)
		25/05/2020	15% Reduced driving discount	Expired	Yes
		25/05/2020	Reduction in fees	Expired	No
Travelers	Dominion of Canada General Insurance Company (The)	14/07/2020	Reduction in fees	Expired	No	Yes	First Rebate: 25% of one month's premium Second Rebate: 15% of one month's premium

*Decrease based on each customer's current driving record
**Reduced rates for risks based on age, annual mileage and commute
***Discount level varied by amount of reduced driving activity