Bill 44 explained in plain English
Ending Automobile Insurance Discrimination in the Greater Toronto Area Act, 2018
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 44, the Ending Automobile Insurance Discrimination in the Greater Toronto Area Act, 2018, amends the Insurance Act to prevent car insurance rates in the Greater Toronto Area from differing based on the specific municipality of residence within the area.
This Ontario bill amends the Insurance Act to stop people living in the Greater Toronto Area (GTA) from paying different car insurance rates just because they live in different municipalities within the GTA. It requires the Superintendent (who oversees insurance) to reject any insurance company's plan (risk classification system) that uses a person's specific location within the GTA to set insurance rates, if that plan treats different parts of the GTA as separate areas. The bill also stops insurance companies from offering or renewing car insurance policies where the rate was set using such a discriminatory plan. The Greater Toronto Area is defined in the bill as the City of Toronto and the regional municipalities of Durham, Halton, Peel, and York.
- It requires the Superintendent of Insurance to refuse to approve certain systems used by insurance companies to classify risks for setting car insurance rates if those systems consider specific areas within the Greater Toronto Area (GTA) as separate, leading to different rates based on location within the GTA.
- It prohibits insurance companies from entering into, renewing, or offering car insurance contracts where the rate was determined using a system that differentiates based on location within the GTA, and would result in different rates for the same coverage.
- It defines the "Greater Toronto Area" for the purposes of this Act as the City of Toronto and the regional municipalities of Durham, Halton, Peel, and York.
- Insurance companies operating in Ontario.
- Residents of the Greater Toronto Area (City of Toronto, Regional Municipalities of Durham, Halton, Peel, and York).
- The Superintendent of Insurance.
- Insurers are prohibited from using risk classification systems that differentiate car insurance rates based on specific municipalities within the Greater Toronto Area.
- Insurers are prohibited from entering into or renewing contracts based on such discriminatory risk classification systems.
- The Superintendent has the obligation to refuse approval of risk classification systems that discriminate based on location within the Greater Toronto Area.
- The Act came into force on the day it received Royal Assent.
- The Superintendent shall refuse to approve an application for a risk classification system that discriminates based on location within the Greater Toronto Area.
- The bill does not specify the penalties for an insurer that violates the prohibitions against entering into or renewing contracts based on discriminatory risk classification systems.
- The bill does not detail the process or criteria the Superintendent will use beyond the explicit conditions for refusal when approving applications for risk classification systems.
Adds new sections that prevent discrimination in automobile insurance rates within the Greater Toronto Area by requiring the Superintendent to refuse approval of certain risk classification systems and prohibiting insurers from using such systems when setting rates or entering into contracts.
Source: Section 1 of Bill 44
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 does not have a published recorded division in the current official sources, so representative-by-representative vote counts are not shown.
No published representative vote breakdown
The current official sources do not publish a recorded division breakdown for this bill, so there is no representative-by-representative table to show.
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