All Approved Private Passenger Automobile (PPA) Emergency Relief Filings

Allstate Insurance Company of Canada

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/6/2022	5% Work from home discount	6/15/2022	Active
2/25/2021	Additional 5% reduced driving discount	5/29/2021	Active
2/25/2021	Additional 5% increased Usage Based Insurance enrollment discount	5/29/2021	Active
2/25/2021	0.9% Base rate decrease	5/29/2021	Expires: 06/15/2022
2/25/2021	3% Increased Home and Auto discount	5/29/2021	Expires: 06/15/2022
12/1/2020	3.5% Base rate decrease	3/1/2021	Expires: 10/22/2021
6/25/2020	5% Reduced driving discount	8/8/2021	Active
6/25/2020	5% Increased Usage Based Insurance enrollment discount	8/8/2021	Active
7/29/2021	Third Rebate: 25% of one month's premium	N/A	Delivered
7/28/2020	Second Rebate: 25% of one month's premium	N/A	Delivered
5/14/2020	First Rebate: 25% of one month's premium	N/A	Delivered

Aviva General Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/7/2021	5% Base rate decrease	1/1/2022	Expires: 07/31/2022
12/7/2021	Premium capping	1/1/2022	Expires: 08/31/2022
5/14/2021	Premium capping	6/15/2021	Expires: 12/31/2021
5/14/2021	11.7% Base rate decrease	6/15/2021	Expires: 12/31/2021
7/2/2020	5% Base rate decrease	8/15/2020	Expires: 06/14/2021
4/29/2020	Premium capping	6/15/2020	Expires: 12/31/2020
4/29/2020	15% Reduced driving discount	3/16/2020	Expires: 06/14/2020

Aviva Insurance Company of Canada

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/7/2021	4.1% Base rate decrease	1/1/2022	Expires: 07/31/2022
12/7/2021	Premium capping	1/1/2022	Expires: 07/31/2022
5/14/2021	Premium capping	6/15/2021	Expires: 12/31/2021
5/14/2021	11.4% Base rate decrease	6/15/2021	Expires: 12/31/2021
7/2/2020	5% Base rate decrease	8/15/2020	Expires: 06/14/2021
4/29/2020	Premium capping	6/15/2020	Expires: 12/31/2020
4/29/2020	15% Reduced driving discount	3/16/2020	Expires: 06/14/2020

Ayr Farmers Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 7% of 2020 premium	N/A	Delivered

Belair Insurance Company Inc.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/7/2021	4.75% Base rate decrease	3/18/2021	Expires 05/27/2022
4/7/2021	Relief equal to one month's premium	3/18/2021	Expires: 05/31/2021
6/4/2020	4.75% Base rate decrease	7/28/2020	Expires: 03/17/2020
6/4/2020	15.0% to 25.0% Reduced driving discount	4/10/2020	Expires: 07/31/2020
4/9/2020	Premium capping	6/3/2020	Expires: 12/13/2020
4/9/2020	Reduction in fees	3/23/2020	Expires: 08/14/2020

Bertie & Clinton Mutual

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 8% of 2020 premium	N/A	Delivered
2/22/2022	Rebate of 10% of 2021 premium	N/A	Delivered

CAA Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
13/08/2021	Reduction in fees	1/1/2022	Expires: 06/01/2022
13/08/2021	5% Increase to Multi-line discount	1/1/2022	Active
13/08/2021	12.4% average rate decrease that varies by driving record	1/1/2022	Active
24/03/2021	Reduction in fees	6/15/2021	Expires: 12/31/2021
24/03/2021	15% Base rate decrease	6/15/2021	Expires: 12/31/2021
4/29/2020	Reduction in fees	6/15/2020	Expires: 06/14/2021
4/29/2020	10% Base rate decrease	6/15/2020	Expires: 06/14/2021
11/4/2020	2nd Rebate: $50/Policy	N/A	Delivered
5/12/2020	1st Rebate: $100/Policy	N/A	Delivered

Cayuga Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 5% of 2020 premium	N/A	Delivered

Certas Direct Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
2/28/2022	Additional 5% Base rate decrease (total 10%)	4/19/2022	Active
11/16/2021	5% Base rate decrease	12/28/2021	Active
6/18/2021	5% Increase to Multi-line discount	7/29/2021	Active
6/18/2021	Premium capping	4/7/2021	Active
5/27/2020	Premium capping	6/16/2020	Expires: 04/07/2021
5/27/2020	Reduced driving discount***	6/16/2020	Expires: 04/07/2021
7/14/2020	Rebate of 40% of one month's premium	N/A	Delivered

Certas Home and Auto Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
2/28/2022	Additional 5% Base rate decrease (total 14.5%)	4/19/2022	Active
11/16/2021	Additional 5% Base rate decrease	12/28/2021	Active
9/28/2021	4.5% Base rate decrease	11/2/2021	Active
6/18/2021	5% Increase to Multi-line discount	7/29/2021	Active
6/18/2021	Premium capping	4/7/2021	Active
5/27/2020	Premium capping	6/16/2020	Expires: 04/07/2021
5/27/2020	Reduced driving discount***	6/16/2020	Expires: 04/07/2021
7/14/2020	Rebate of 40% of one month's premium	N/A	Delivered

Coachman Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/29/2020	Reduction in fees	3/30/2020	Expires: 06/30/2020

Commonwell Mutual Insurance Group (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/25/2020	Reduction in fees	3/16/2020	Expires: 10/01/2020
6/29/2020	Rebate of $100/household	N/A	Delivered

Co-operators General Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
29/03/2021	Premium capping	7/3/2021	Expires: 08/05/2022
29/03/2021	4% COVID-19 Auto Discount	7/3/2021	Active
7/21/2020	15% Reduced driving discount	7/13/2020	Expires: 12/15/2020
5/13/2020	Premium capping	6/17/2020	7/2/2021

COSECO Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
7/15/2020	15% Reduced driving	7/13/2020	Expires: 12/15/2020

CUMIS General Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/12/2020	Premium capping	8/1/2020	Expires: 09/30/2020
10/2/2020	Rebate of 15% of two months' premiums	N/A	Delivered

Dominion of Canada General Insurance Company (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/9/2021	2.1% Base rate decrease	7/1/2021	Expires: 1/17/2022 Dominion, Expires: 3/18/2022 Chieftain
4/9/2021	Reduced rates for consumers with low annual mileage***	7/1/2021	Expires: 1/17/2022 Dominion, Expires: 3/18/2022 Chieftain
7/14/2020	Reduction in fees	3/27/2020	Expires: 6/15/2020
4/9/2021	3rd Rebate: 25% of one month's premium	N/A	Delivered
8/13/2020	2nd Rebate: 15% of one month's premium	N/A	Delivered
4/21/2020	1st Rebate: 25% of one month's premium	N/A	Delivered

Dumfries Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 5% of 2020 Premium	N/A	Delivered

Echelon Insurance

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/13/2020	Reduction in fees - first NSF fee waived	7/1/2020	Expires: 09/1/2020
5/13/2020	Reduction in fees	3/15/2020	Expires: 06/30/2020
5/13/2020	15% Reduced driving discount	3/15/2020	Active

Economical Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
26/03/2021	Premium capping	6/1/2021	Expires: 6/1/2022
26/03/2021	5% Base rate decrease	6/1/2021	Expires: 6/1/2022
6/22/2020	Premium capping	9/1/2020	Expires: 9/1/2021
6/22/2020	5% Base rate decrease	9/1/2020	Expires: 8/31/2021
5/22/2020	Premium capping	4/1/2020	Expires: 8/31/2020
5/22/2020	Reduced driving discount***	4/1/2020	Expires: 9/30/2020
5/22/2020	Reduction in fees	4/1/2020	Expires: 9/30/2020

Federated Insurance Company of Canada

Approval Date	Change	Renewal or Mid-term Effective Date	Status
10/2/2020	Premium capping	1/15/2021	Expires: 4/14/2021

Gore Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
10/8/2021	2% Base rate decrease	12/1/2021	Expires: 01/31/2022
19/07/2021	4% Base rate decrease	10/4/2021	Expires: 11/30/2021
29/03/2021	8% Base rate decrease	7/1/2021	Expires: 10/03/2021
6/29/2020	5% Base rate decrease	8/24/2020	Expires: 01/01/2021
4/27/2020	Reduction in fees	3/24/2020	Expires: 08/31/2020
4/24/2020	Rebate of 20% of three months' premiums	N/A	Delivered

Halwall Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 2.8% of 2020 premium	N/A	Delivered

Heartland Farm Mutual Inc.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/29/2020	5% Base rate decrease	7/1/2020	Expires: 12/31/2020
4/29/2020	Reduction in fees	3/23/2020	Expires: 07/31/2020

HT&C Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 14% of 2020 premium	N/A	Delivered

Intact Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/17/2021	4% Base rate decrease	1/28/2022	Expires: 08/11/2022
4/6/2021	5% Base rate decrease	3/18/2021	Expires: 01/27/2022
4/6/2021	Relief equal to one month's premium*	3/18/2021	Expires: 5/31/2021
4/6/2021	Reduced rates for some customers**	3/18/2021	Expires: 01/27/2022
4/6/2021	Protect customers' Usage Based Insurance discount at midterm	3/7/2021	Active
11/9/2020	Reduced rates for some customers**	11/20/2020	Expires: 3/17/2021
6/4/2020	5% Base rate decrease	8/7/2020	Expires: 3/17/2021
6/4/2020	15% Reduced driving discount	4/14/2020	Expires: 07/31/2020
4/9/2020	Premium capping	5/31/2020	Expires: 12/04/2020
4/9/2020	Reduction in fees	3/20/2020	Expires: 08/14/2020

Jevco Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
4/7/2021	Relief equal to one month's premium	3/18/2021	Expires: 05/31/2021
6/11/2020	Reduction in fees	3/20/2020	Expires: 08/14/2020
6/11/2020	15% Reduced driving discount	4/14/2020	Expires: 07/31/2020

Kent & Essex Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 7% of 2020 premium	N/A	Delivered

Lambton Mutual Insurance Company (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
2/1/2022	Rebate of 4.2% of 2021 premiums	N/A	Delivered

North Blenheim Mutual

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 4% of 2020 premium	N/A	Delivered

North Kent Mutual Fire Insurance Company (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 7% of 2020 premium	N/A	Delivered

Northbridge General Insurance Corporation

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/27/2021	5.9% Base rate decrease	1/8/2021	Expires: 08/01/2022
5/5/2020	Rebate of 15% of three months' premiums	N/A	Delivered

Novex Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/5/2020	5% Base rate decrease	8/7/2020	Expires: 08/29/2020
6/5/2020	15% Reduced driving discount	4/14/2020	Expires: 07/31/2020
4/15/2020	Premium capping	6/1/2020	Expires: 08/29/2020
4/15/2020	Reduction in fees	3/20/2020	Expires: 08/14/2020

Optimum Insurance Company Inc.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
11/23/2021	3% Consumer relief discount	2/15/2022	Expires: 07/18/2022
5/28/2021	2% Consumer relief discount	7/18/2021	Expires: 02/14/2022
6/1/2020	3% Consumer relief discount	7/18/2020	Expires: 7/17/2021

Pafco Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
7/29/2021	Third Rebate: 25% of one month's premium	N/A	Delivered
7/28/2020	Second Rebate: 25% of one month's premium	N/A	Delivered
5/14/2020	First Rebate: 25% of one month's premium	N/A	Delivered

Peel Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/12/2020	Reduction in fees	3/16/2020	Expires: 12/31/2020

Pembridge Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
2/25/2021	Additional 5% increased Usage Based Insurance enrollment discount	5/29/2021	Active
2/25/2021	1.3% Base rate decrease	5/29/2021	Expires: 04/01/2022
2/25/2021	3% Increased Home and Auto discount	5/29/2021	Expires: 04/01/2022
12/1/2020	5% Increased Usage Based Insurance enrollment discount	3/1/2021	Active
12/1/2020	4% Base rate decrease	3/1/2021	Expires: 10/22/2021
7/29/2021	Third Rebate: 25% of one month's premium	N/A	Delivered
7/28/2020	Second Rebate: 25% of one month's premium	N/A	Delivered
5/14/2020	First Rebate: 25% of one month's premium	N/A	Delivered

Personal Insurance Company (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
2/28/2022	Additional 5% Base rate decrease (total 15%)	4/19/2022	Active
11/16/2021	Additional 5% Base rate decrease	12/28/2021	Active
6/18/2021	5% Base rate decrease	4/23/2021	Active
6/18/2021	5% Increase to Multi-line discount	7/29/2021	Active
6/18/2021	Premium capping	4/7/2021	Active
5/27/2020	Premium capping	6/16/2020	Expires: 04/07/2021
5/27/2020	Reduced driving discount***	6/16/2020	Expires: 04/07/2021
7/14/2020	Rebate of 40% of one month's premium	N/A	Delivered

Primmum Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
28/01/2021	Lower minimum driving requirements for Usage Based Insurance customers	9/4/2021	Active (Expires: 01/01/2023)
28/01/2021	Premium capping	5/4/2021	Expires: 11/30/2021
5/25/2020	15% Reduced driving discount	3/17/2020	Expires: 08/31/2020
5/25/2020	Reduction in fees	3/18/2020	Expires: 08/31/2020
4/23/2020	Premium capping	7/15/2020	Expires: 10/14/2020
3/29/2021	2nd Rebate: $50/Vehicle (PPA)	N/A	Delivered
11/26/2020	1st Rebate: $30/Policy (not combined with reduced driving discount)	N/A	Delivered

Royal & SunAlliance Insurance Company of Canada

Approval Date	Change	Renewal or Mid-term Effective Date	Status
30/03/2021	12% Base rate decrease****	6/1/2021	Expires: 09/30/2021
7/27/2020	1% Increased Home and Auto discount	10/1/2020	Expires: 06/30/2021
7/27/2020	Rate decrease that varies by driving record	10/1/2020	Expires: 06/30/2021
5/5/2020	Premium capping	7/1/2020	Expires: 09/30/2020
4/29/2020	Reduction in fees	4/1/2020	Expires: 08/31/2020

S&Y Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/7/2021	4.9% Base rate decrease	2/1/2022	Active
12/7/2021	Premium capping	2/1/2022	Active
5/14/2021	Premium capping	6/15/2021	Expires: 01/31/2022
5/14/2021	12% Base rate decrease	6/15/2021	Expires: 01/31/2022
7/8/2020	5% Base rate decrease	8/15/2020	Expires: 06/14/2021
4/29/2020	Premium capping	6/15/2020	Expires: 06/14/2021
4/29/2020	15% Reduced driving discount	3/16/2020	Expires: 06/14/2020

Scottish & York Insurance Co. Limited

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/7/2021	4.2% Base rate decrease	1/1/2022	Expires: 07/31/2022
12/7/2021	Premium capping	1/1/2022	Expires: 07/31/2022
5/14/2021	Premium capping	6/15/2021	Expires: 12/31/2021
5/14/2021	11.3% Base rate decrease	6/15/2021	Expires: 12/31/2021
7/2/2020	5% Base rate decrease	8/15/2020	Expires: 06/14/2021
4/29/2020	Premium capping	6/15/2020	Expires: 06/14/2021
4/29/2020	15% Reduced driving discount	3/16/2020	Expires: 06/14/2020

Security National Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
28/01/2021	Lower minimum driving requirements for Usage Based Insurance customers	9/4/2021	Active (Expires: 01/01/2023)
28/01/2021	Premium capping	5/4/2021	Expires: 11/30/2021
5/25/2020	15% Reduced driving discount	3/17/2020	Expires: 08/31/2020
5/25/2020	Reduction in fees	3/18/2020	Expires: 08/31/2020
4/23/2020	Premium capping	7/15/2020	Expires: 10/14/2020
3/29/2021	2nd Rebate: $50/Vehicle (PPA)	N/A	Delivered
11/26/2020	1st Rebate: $30/Policy (not combined with reduced driving discount)	N/A	Delivered

SGI CANADA Insurance Services Ltd.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/6/2022	7.5% Base rate decrease	8/1/2022	Active
2/10/2021	Additional 5% base rate decrease (total 10%)	8/1/2021	Expires: 07/31/2022
2/10/2021	5% Base rate decrease	4/1/2021	Expires: 07/31/2022
4/28/2020	Reduction in fees	3/30/2020	Expires: 06/30/2020

Sonnet Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/20/2020	Reduced driving discount***	4/1/2020	Expires: 6/30/2020
5/20/2020	Reduction in fees	4/1/2020	Expires: 6/30/2020

South Easthope Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/10/2021	Rebate of 5% of 2020 premium	N/A	Delivered

TD General Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
28/01/2021	Lower minimum driving requirements for Usage Based Insurance customers	9/4/2021	Active (Expires: 01/01/2023)
28/01/2021	Premium capping	5/4/2021	Expires: 11/30/2021
5/25/2020	15% Reduced driving discount	3/17/2020	Expires: 08/31/2020
5/25/2020	Reduction in fees	3/18/2020	Expires: 08/31/2020
4/23/2020	Premium capping	7/15/2020	Expires: 10/14/2020
3/29/2021	2nd Rebate: $50/Vehicle (PPA)	N/A	Delivered
11/26/2020	1st Rebate: $30/Policy (not combined with reduced driving discount)	N/A	Delivered

Tokio Marine & Nichido Fire Insurance Co., Ltd.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/7/2020	Rebate of 15% of three months' premiums	N/A	Delivered

Traders General Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
12/7/2021	8.4% Base rate decrease	1/1/2022	Active
12/7/2021	Premium capping	1/1/2022	Active
5/14/2021	Premium capping	6/15/2021	Expires: 12/31/2021
5/14/2021	14.7% Base rate decrease	6/15/2021	Expires: 12/31/2021
7/2/2020	5% Base rate decrease	8/15/2020	Expires: 06/14/2021
4/29/2020	Premium capping	6/15/2020	Expires: 06/14/2021
4/29/2020	15% Reduced driving discount	3/16/2020	Expires: 06/14/2020

Tradition Mutual Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
5/6/2021	Rebate of 10% of 2020 premium	N/A	Delivered

Unica Insurance Inc.

Approval Date	Change	Renewal or Mid-term Effective Date	Status
10/5/2021	2% Base rate decrease	12/15/2021	Expires: 05/1/2022
10/5/2021	2.5% Increased Home and Auto discount	12/15/2021	Expires: 05/1/2022
4/14/2021	5% Base rate decrease	5/30/2021	Expires: 12/15/2021
4/14/2021	3% Decrease for Toronto territories	5/30/2021	Expires: 12/15/2021
4/14/2021	2.5% Increased Home and Auto discount	5/30/2021	Expires: 12/15/2021
4/27/2020	Reduction in fees	3/24/2020	Expires: 09/30/2020
5/13/2020	Rebate of 15% of three months premiums	N/A	Delivered

Unifund Assurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
8/27/2021	4.75% Base rate decrease	9/1/2021	Expires 07/01/2022
3/30/2021	12% Base rate decrease	6/1/2021	Expires: 08/31/2021
8/12/2020	3.8% Base rate decrease	10/1/2020	Expires: 7/31/2021
8/12/2020	3.0% to 5.0% Increased discount for select groups	10/1/2020	Expires: 7/31/2021
4/29/2020	Reduction in fees	4/1/2020	Expires: 08/31/2020
4/24/2020	Rebate of 10% of three months' premiums	N/A	Delivered

Verassure Insurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
6/30/2020	5% Increased Home and Auto discount	7/2/2020	Expires: 3/29/2021
5/12/2020	Rebate of 100% of one month's premium	N/A	Delivered

Wawanesa Mutual Insurance Company (The)

Approval Date	Change	Renewal or Mid-term Effective Date	Status
3/16/2022	Rate decrease that varies by driving record	7/1/2022	Active
3/16/2022	Premium capping	7/1/2022	Active
4/13/2021	Rate decrease that varies by driving record	6/15/2021	Expires 6/30/2022
4/13/2021	Premium capping	6/15/2021	Expires 6/30/2022

West Elgin Mutual Insurance Company

Western Assurance Company

Approval Date	Change	Renewal or Mid-term Effective Date	Status
30/03/2021	12% Base rate decrease****	6/1/2021	Expires: 09/30/2021
7/27/2020	1% Increased Home and Auto discount	10/1/2020	Expires: 06/30/2021
7/27/2020	Rate decrease that varies by driving record	10/1/2020	Expires: 06/30/2021
5/5/2020	Premium capping	7/1/2020	Expires: 09/30/2020
4/29/2020	Reduction in fees	4/1/2020	Expires: 08/31/2020

****Merged with Intact effective October 1, 2021 renewals. Intact's approved rate reduction and filing details now apply.

***Discount level varied by annual mileage

**Reduced rates for risks based on age, annual mileage and commute

*Relief is also available to The Guarantee customers and Novex customers

View all auto insurance emergency filings by insurer: