Bill 71 explained in plain English
New Drivers' Insurance Rate Reduction Act, 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
The New Drivers' Insurance Rate Reduction Act, 2012, amends the Insurance Act to require insurers to provide lower automobile insurance rates for new drivers by crediting them with additional years of driving experience, with certain disqualifications.
This bill amends the Insurance Act to ensure that new drivers get lower automobile insurance rates. It requires insurers to give new drivers credit for additional years of driving experience when calculating rates. A new driver is someone with less than six years of driving experience. The amount of credit given depends on whether the driver completed a Ministry-approved driver education course. However, new drivers may be disqualified from receiving this credit if they have been found at fault for over 25% in a claim, had their license suspended for not paying certain fines, or have been convicted of certain driving offences. Some exceptions exist for parking-related offences.
- Requires insurers to use a risk classification system that provides for lower automobile insurance rates for new drivers.
- Mandates that insurers credit new drivers with additional years of driving experience when setting rates.
- Specifies that new drivers who have completed a Ministry-approved driver education course will receive credit for six years of experience.
- Specifies that new drivers who have not completed such a course will receive credit for three years of experience.
- Disqualifies new drivers from receiving this credit if they have been found more than 25% at fault in a claim.
- Disqualifies new drivers from receiving this credit if their license has been suspended for non-payment of fines related to operating a motor vehicle (with an exception for parking fines).
- Disqualifies new drivers from receiving this credit if they have been convicted of certain provincial or Criminal Code offences related to operating a motor vehicle (with an exception for parking offences).
- Allows for further disqualifications to be prescribed by regulation.
- Insurers offering automobile insurance in Ontario.
- New drivers seeking automobile insurance in Ontario.
- Insurers are obligated to provide lower rates for new drivers by crediting them with additional driving experience.
- New drivers have the right to receive credit for additional driving experience, subject to certain conditions and disqualifications.
- This Act comes into force on January 1, 2013.
- The specific circumstances for disqualifying a new driver from receiving credit for additional experience may be prescribed by regulation.
- The definition of a 'new driver' is specifically stated as having less than six years of driving experience.
Adds a new section (417.0.2) requiring insurers to provide lower rates for new drivers by crediting them with additional driving experience, and modifies subsection 121(1) to allow for prescribing circumstances related to this new section.
Source: Section 2 and Section 1
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
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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