Bill 42 explained in plain English
Ending Discrimination in Automobile Insurance Act, 2019
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 42nd 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
Bill 42, the Ending Discrimination in Automobile Insurance Act, 2018, aims to prevent discrimination in auto insurance by prohibiting the use of postal codes or telephone area codes in risk classification systems.
This bill, called the Ending Discrimination in Automobile Insurance Act, 2018, aims to prevent discrimination in automobile insurance by changing how insurance companies classify drivers for pricing purposes. It proposes to stop insurers from using factors like postal codes or telephone area codes that are mainly related to where a person lives. The bill requires changes to existing regulations and gives authority to make new rules to achieve this.
- Amends the Automobile Insurance Rate Stabilization Act, 2003.
- Amends the Insurance Act.
- Requires the Superintendent of Financial Services to rescind Bulletin A-01/05.
- Requires the Lieutenant Governor in Council to amend Regulation 664 (Automobile Insurance).
- Requires the Financial Services Regulatory Authority of Ontario to make a rule.
- Automobile insurance providers
- Consumers of automobile insurance
- Superintendent of Financial Services
- Lieutenant Governor in Council
- Financial Services Regulatory Authority of Ontario
- Insurers are prohibited from using factors primarily related to postal code or telephone area code for residence in risk classification systems.
- The Superintendent of Financial Services is required to rescind Bulletin A-01/05.
- The Lieutenant Governor in Council is required to amend Regulation 664.
- The Financial Services Regulatory Authority of Ontario is required to make a rule.
- The Act comes into force on the day it receives Royal Assent, subject to subsection (2) of the commencement provision.
- Section 3 of the Act comes into force on the day section 10 of Schedule 21 to the Stronger, Fairer Ontario Act (Budget Measures), 2017 comes into force.
- The exact date when Section 3 comes into force depends on the commencement of another legislative provision (section 10 of Schedule 21 to the Stronger, Fairer Ontario Act (Budget Measures), 2017), which is not specified within this bill text.
- The bill does not specify the exact date of Royal Assent.
Requires the Superintendent of Financial Services to rescind Bulletin A-01/05, which provides guidance on factors for an insurer's risk classification system. This is intended to prevent the use of certain residential factors in determining insurance rates.
Source: Section 1
Introduces changes to subsection 121 (1) by adding "subject to subsection (1.1)" to specific paragraphs. It also adds a new subsection (1.1) to section 121, which mandates that the Lieutenant Governor in Council amend Regulation 664 (Automobile Insurance). This amendment must ensure that risk classification systems prohibit insurers from using factors primarily related to a person's postal code or telephone area code for their residence. Additionally, it amends section 121.0.1 by adding a new subsection (1.1) that requires the Financial Services Regulatory Authority of Ontario to make a rule with the same effect.
Source: Sections 2 and 3
This regulation will be amended by the Lieutenant Governor in Council to prohibit the use of factors related to postal code or telephone area code for residence in an insurer's risk classification system.
Source: Section 2 (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.
Official textProcess Snapshot
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