[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"detail-sidebar-cat-0-en-105":3,"doc-seo-295881-105":59,"doc-detail-295881-en":131},{"code":4,"msg":5,"data":6},0,"success",[7,13,18,23,28,33,38,43,48,51,55],{"id":8,"doc_module":4,"doc_module_name":9,"category_name":10,"show_sort_weight":11,"slug":12},1,"Document","Story & Novel",90,"story-novel",{"id":14,"doc_module":4,"doc_module_name":9,"category_name":15,"show_sort_weight":16,"slug":17},2,"Literature",80,"literature",{"id":19,"doc_module":4,"doc_module_name":9,"category_name":20,"show_sort_weight":21,"slug":22},4,"Exam",70,"exam",{"id":24,"doc_module":4,"doc_module_name":9,"category_name":25,"show_sort_weight":26,"slug":27},5,"Comic",60,"comic",{"id":29,"doc_module":4,"doc_module_name":9,"category_name":30,"show_sort_weight":31,"slug":32},6,"Technology",50,"technology",{"id":34,"doc_module":4,"doc_module_name":9,"category_name":35,"show_sort_weight":36,"slug":37},7,"Healthcare",40,"healthcare",{"id":39,"doc_module":4,"doc_module_name":9,"category_name":40,"show_sort_weight":41,"slug":42},8,"Research & Report",30,"research-report",{"id":44,"doc_module":4,"doc_module_name":9,"category_name":45,"show_sort_weight":46,"slug":47},9,"Religion & Spirituality",20,"religion-spirituality",{"id":46,"doc_module":4,"doc_module_name":9,"category_name":49,"show_sort_weight":46,"slug":50},"World Cup","world-cup",{"id":52,"doc_module":4,"doc_module_name":9,"category_name":53,"show_sort_weight":52,"slug":54},10,"Lifestyle","lifestyle",{"id":56,"doc_module":4,"doc_module_name":9,"category_name":57,"show_sort_weight":24,"slug":58},19,"General","general",{"code":4,"msg":60,"data":61},"ok",{"site_id":62,"language":63,"slug":64,"title":65,"keywords":66,"description":67,"schema_data":68,"social_meta":124,"head_meta":126,"extra_data":128,"updated_unix":130},105,"en","manual-of-rules-and-rates-effective-november-1-2025","Manual of Rules and Rates - Effective November 1, 2025","","July 2025 bulletin issued by the Facility Association and distributed by the Servicing Carrier updates rule and rate wording for Ontario new business and renewals effective November 1, 2025. It outlines various rule changes across Private Passenger, Commercial, Public, Recreational, Garage, and Driver’s Policy sections, and provides rule-level guidance including rating class treatment for Class 05 and 06 and driving-record entitlement, plus instructions for vehicles used outside the jurisdiction of registration, including Canada and U.S. examples and regional rating guidance. 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The vehicle is first rated as if there were no occasional drivers under 25; coverage is then charged for such occasional drivers by adding the Third Party Liability, DCPD, Accident Benefits, Uninsured Automobile and Collision Coverage for Class 05 or Class 06 premiums . It isnot permissible to issue a policy solely with a Class 05 or Class 06.\u003Cbr>2. The Third Party Liability limit, DCPD and Collision deductible for Classes 05 and/or Class 06 drivers must be identical to the coverage provided for the vehicle, except when varied by an END 28 (‘Reducing coverage for Named Persons’) . | Notes: Class 05 and 06\u003Cbr>1. The vehicle is first rated as if there were no occasional drivers under 25 years of age. ~~; coverage p~~ Premium is then charged for such occasional drivers by adding the ~~Third Party ~~Liability, DCPD, Accident Benefits, Uninsured Automobile and Collision Coverage ~~for Class 05 or Class 06 premiums~~ . It isnot permissible to issue a policy solely with a Class 05 or Class 06 rates .\u003Cbr>2. The~~ Third Party~~ Liability limit, DCPD and Collision deductible for Classes 05 ~~and/~~or Class 06 drivers must be identical to the coverage provided for the vehicle .,~~ except when varied by an END 28 (~~‘~~Reducing coverage for Named Persons’) ~~. | FA manual update to align wordings across jurisdictions | This will not impact\u003Cbr>premium |\n| Rule 113:\u003Cbr>Driving Record\u003Cbr>B. Driving Record Entitlement | Notes:\u003Cbr>1. The driving record established applies to all coverages for which driving record is a factor. There is no split rating i.e. chargeable accidents will affect the driving record for the Liability section and the Collision section . | Notes:\u003Cbr>1. The driving record established applies to all coverages for which driving record is a factor. Thereis no split rating ~~i~~.~~e ~~. A chargeable accidents will affect the rating of ~~driving record for~~ the Liability, DCPD (Not available in Northwest Territories, Nunavut and Yukon) ~~section ~~Accident Benefits, Uninsured Automobile (Accident Benefits and Uninsured Automobile applies to Ontario only) and ~~the~~ Collision coverages ~~section~~. | Upon areview of FA rule there needs to be\u003Cbr>an updated\u003Cbr>to align with\u003Cbr>current rate\u003Cbr>pages | This will not impact\u003Cbr>premiums |\n| Rule 144:\u003Cbr>Vehicles Used Outside Jurisdiction of Registration | …\u003Cbr>When a vehicle is registered in one jurisdiction but used in another, the following is to be used as a guide for rating purposes.\u003Cbr>1. The vehicle must be insured on a policy from the jurisdiction where it is legally registered, even if the vehicle is chiefly used in another jurisdiction .\u003Cbr>2. If it is known in which territory the vehicle is being used and there are FA premiums for that territory, then the appropriate FA premiums for that territory must be used. | …\u003Cbr>When a vehicle is registered in one jurisdiction but garaged or chiefly used in another, the following is to be used as a guide for rating purposes .\u003Cbr>1. The vehicle must be insured on a policy from the jurisdiction where it is legally registered, even if the vehicle is chiefly used in another","cbCaij28NUVek0AW","https://ap.wps.com/l/cbCaij28NUVek0AW","pdf",34103944,1606,"English","# Various Rule Changes\n## Effective Date and Scope\n## Private Passenger Section Updates\n## Rule 111: Rating Class\n## Rule 113: Driving Record\n## Rule 144: Vehicles Used Outside Registration Jurisdiction\n## Examples and Regional Rating Guidance","[{\"question\":\"When do the Ontario rule and rate updates take effect?\",\"answer\":\"The updates are effective November 1, 2025 for new business and renewals in Ontario.\"},{\"question\":\"Which sections of the manual include various rule changes?\",\"answer\":\"The bulletin states there are various rule changes in the Private Passenger, Commercial, Public, Recreational, Garage and Driver’s Policy sections.\"},{\"question\":\"How is a vehicle rated when it is registered in one jurisdiction but used in another?\",\"answer\":\"The vehicle must be insured under the policy from the jurisdiction where it is legally registered; if the territory of use is known and there are Facility Association premiums for it, the appropriate premiums must be used. The bulletin also provides guidance for U.S. use and regional rating within Canada.\"}]","Manual of Rules and Rates - Effective November 1, 2025 | PDF",4047]