Bill 43 explained in plain English
Insurance Amendment Act (Elements in Classifying Risks for Automobile Insurance), 2012
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 40th Parliament, 1st Session. Representative vote breakdowns appear when the Assembly publishes an Ayes and Nays page for the bill.
Our plain-language take, written for civic education.
Source: By PoliticalData.ca
This bill amends the Insurance Act to mandate the use of driving records, age, and vehicle type, while prohibiting the use of home address and postal code, in classifying risks for automobile insurance.
This bill, titled the Insurance Amendment Act (Elements in Classifying Risks for Automobile Insurance), 2012, changes rules for how car insurance companies classify risks. It requires insurers to consider a person's driving record, age, and the type of car when setting insurance rates. It also prohibits them from using a person's home address or postal code for this purpose. The bill clarifies that insurers may still use other factors not listed as prohibited.
- Requires automobile insurers to use a person's driving record, age, and the type of automobile when classifying risks for automobile insurance.
- Prohibits automobile insurers from using a person's home address or postal code when classifying risks for automobile insurance.
- Clarifies that insurers are not prohibited from using other elements in classifying risks, beyond those specified in the Act.
- Automobile insurance companies (insurers) in Ontario.
- Individuals seeking or holding automobile insurance in Ontario.
- Insurers have an obligation to use a person's driving record, age, and vehicle type when classifying risks for automobile insurance.
- Insurers are prohibited from using a person's home address or postal code when classifying risks for automobile insurance.
- The Act comes into force on a day to be named by proclamation of the Lieutenant Governor.
- The bill does not specify what other elements, besides driving record, age, and vehicle type, insurers may use in classifying risks.
- The exact date the Act comes into force is not yet determined, as it depends on proclamation.
Adds new rules about what factors insurers must use (driving record, age, vehicle type) and what factors they cannot use (home address, postal code) when determining automobile insurance risk classifications. It also clarifies that other factors may still be used.
Source: Section 417.0.0.1
Adds new definitions and provisions related to transitional matters concerning the implementation of the new risk classification rules.
Source: Section 121 (1), paragraphs 36.3 and 36.4
Generated using AI from official bill text. Not legal advice. It is written by PoliticalData.ca for civic education, automatically checked and spot-reviewed before publishing.
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Vote Summary
This bill is still active. We only show vote counts after the legislature publishes a recorded division.
No published representative vote breakdown
This bill is still moving through the process. When a recorded division is published, representative positions can be listed here.
Official sources
Status, sponsor, votes, and timeline on this page are drawn from these official legislative sources and public records. Each summary above is attributed to its own source.
How this data is sourced