Bill 12 explained in plain English
Ending Automobile Insurance Discrimination in the Greater Toronto Area Act, 2022
Ontario legislature bill summary, status, timeline, sponsor, votes, and official sources.
At a glance
Official Legislative Assembly of Ontario snapshot for 43rd 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 Ending Automobile Insurance Discrimination in the Greater Toronto Area Act, 2022, amends the Insurance Act to prohibit automobile insurance rate discrimination based on specific locations within the Greater Toronto Area.
This bill amends the Ontario Insurance Act to prevent automobile insurance companies from charging different rates based solely on a person's specific location within the Greater Toronto Area (GTA). It requires the Chief Executive Officer of the Financial Services Regulatory Authority of Ontario to reject any risk classification system that uses geographic regions within the GTA as a factor, unless the entire GTA is treated as a single area. Insurers are also prohibited from offering or renewing contracts that use such discriminatory rate systems. The Act defines the Greater Toronto Area as the City of Toronto and the regional municipalities of Durham, Halton, Peel, and York.
- Amends the Insurance Act to prohibit automobile insurance rate discrimination based on specific municipalities or areas within the Greater Toronto Area.
- Requires the Chief Executive Officer of the Financial Services Regulatory Authority of Ontario to refuse to approve risk classification systems that differentiate rates within the Greater Toronto Area.
- Prohibits insurers from entering into or renewing contracts with rates determined by such discriminatory systems.
- Defines the Greater Toronto Area for the purposes of the Act.
- Automobile insurance companies operating in Ontario.
- Residents of the Greater Toronto Area (City of Toronto, and Regional Municipalities of Durham, Halton, Peel, and York).
- The Chief Executive Officer of the Financial Services Regulatory Authority of Ontario.
- Insurers are prohibited from using risk classification systems that set different automobile insurance rates based on specific municipalities or areas within the Greater Toronto Area.
- Insurers are prohibited from entering into or renewing contracts with rates determined by such systems.
- The Act comes into force on the day it receives Royal Assent.
- The Chief Executive Officer of the Financial Services Regulatory Authority of Ontario is required to refuse to approve certain risk classification systems.
- Insurers are prohibited from entering into or renewing contracts that violate the new provisions.
- The bill does not specify any penalties for insurers who violate the prohibition against using discriminatory rate systems.
- The bill does not detail the process or criteria the Chief Executive Officer will use beyond the specific conditions outlined for refusing to approve a risk classification system.
Adds a new section (410.1) that prevents the approval of automobile insurance risk classification systems that use specific geographic areas within the Greater Toronto Area to set different rates, and prohibits insurers from using such systems.
Source: 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
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