The Financial Services Regulatory Authority of Ontario (FSRA) is responsible for supervising and regulating a broad range of financial service sectors. FSRA issues guidance to make it easier for the public, new entrants and incumbents to understand what is legally binding, what is FSRA’s interpretation or application of law and what information is designed to be helpful. All guidance is issued in accordance with FSRA's Guidance Framework.

When FSRA assumed the regulatory duties of the Financial Services Commission of Ontario (FSCO) and the Deposit Insurance Corporation of Ontario (DICO), it inherited all guidance issued by these legacy regulators. FSRA conducted an initial review of this material to identify which guidance needs to remain active. Through this process, FSRA reduced its total active guidance by approximately 40 per cent.

Guidance Search

Active and Inactive Guidance - Auto Insurance

Showing 1 to 135 of 135 entries
Status Guidance Name Guidance Number Date Deactivated Reason for Deactivation
Inactive Usage-Based Automobile Insurance Pricing in Ontario AU0051ORG 2020-21 Q3

Expired/Not Applicable

Inactive Usage-Based Automobile Insurance Pricing in Ontario AU0024ORG 2020-21 Q3

Expired/Not Applicable

Active 2020 Automobile Insurance Indexation Amounts AU0129DEC
Active Guideline on Public Hospitals and Determination of Catastrophic Impairment AU0134INT
Active Statutory Accident Benefits Claims during the COVID-19 Outbreak AU0133INT
Active Loss Trend Benchmarks for Private Passenger Automobile Major Rate Filings based on Industry Data as of December 31st, 2019 AU0132APP
Active Auto Insurance – Consumer Relief during A Declared Emergency under the Emergency Management and Civil Protection Act AU0131INT
Active Innovative Auto Insurance Products-Subscriptions (“IAIP-S”) AU0130APP
Active 2021 Automobile Insurance Indexation Amounts Guidance (updated December 18, 2020) AU0129DEC
Active Technical Notes AU0101ORG
Active Underwriting appendix AU0102ORG
Active List of guidelines AU0103ORG
Active endorsements guidelines AU0104ORG
Active forms filings AU0105ORG
Active Key Leg Reg Overview AU0106ORG
Active Other than PPA Major AU0107ORG
Active Other than PPA Minor AU0108ORG
Active Underwriting AU0109ORG
Active Underwriting technical notes AU0110ORG
Active Other Automobile Insurance Forms AU0111ORG
Active Automobile Insurance Policy (O.A.P. 1), Application and Endorsement Forms AU0112ORG
Active Garage Automobile Policy (O.A.P. 4), Application and Endorsement Forms AU0113ORG
Active Auto Insurance Claims Forms (OCF Forms) AU0114ORG
Active Health Claims for Auto Insurance (HCAI) AU0115ORG
Active Auto Insurance Fraud Hotline AU0116ORG
Active Apply to the Motor Vehicle Accident Claims Fund AU0117ORG
Active Apply to the Motor Vehicle Accident Claims Fund AU0118ORG
Active Link to Auto Insurance Page AU0119ORG
Active Fighting Auto Insurance Fraud: What You Can Do AU0120ORG
Active Private Arbitration Decisions AU0121ORG
Inactive Auto Quarterly Rate Approvals AU0122ORG 2020-21 Q3

Replaced by Consumer Auto Hub

Active Superintendent's and Commissioner's Guidelines - Auto Insurance SABS AU0123ORG
Active 2019 Automobile Insurance Legislated and Regulatory Adjustments and Optional Indexation Rates Under the Statutory Accident Benefit Schedule AU0124ORG
Active Superintendent's Guideline No. 04/16: Transportation Expense Guideline AU0125ORG
Active Coverage and rating for volunteer drivers AU0072ORG
Active Loss transfer AU0073ORG
Active Implementing Bill 59: 'Protected defendant' undertaking to Ontario by out-of-province insurers AU0074ORG
Active Understanding the operation of OPCF 47 - Optional Accident Benefits AU0075ORG
Active Loss transfer: standardized forms and procedures AU0076ORG
Active FSCO's clarification about the exemption for fleets AU0077ORG
Active Revised bulletin on the definition of "Fleet" AU0078ORG
Active Loss transfer revisited AU0079ORG
Active Revised OEF 4a, 5 and 5c AU0080ORG
Active Motor Vehicle Liability Insurance Card (Canada/Inter-Province) AU0081ORG
Active Non-Renewal Risk Due to Broker Cancellation AU0082ORG
Active What do to do in accident brochure AU0083ORG
Active Understanding Automobile Insurance AU0084ORG
Active Auto Insurance Consumers' Bill of Rights AU0085ORG
Active After an Auto Accident: Understanding the Claims Process AU0086ORG
Active Understanding Insurance for Motorcycles, Snowmobiles, and Other Motorized Vehicles AU0087ORG
Active Protecting Yourself When Renting an Automobile AU0088ORG
Active Don't Get Scammed Buying Auto Insurance AU0089ORG
Active Tips for Avoiding Tow Truck and Storage Scams AU0090ORG
Active How to Save on Auto Insurance AU0091ORG
Active Staged Auto Accidents: Protect Yourself from this Fraud AU0092ORG
Active Auto Insurance Consumer Resources AU0093ORG
Active Analysis of Reform Cost and Loss Trend Rates for Ontario Private Passenger Automobile Insurance AU0094ORG
Active CERTIFICATE OF AN OFFICIAL: Appendix E AU0095ORG
Active CERTIFICATE OF AN OFFICIAL: Appendix B AU0096ORG
Active CERTIFICATE OF AN OFFICIAL: Appendix B1 AU0097ORG
Active CERTIFICATE OF AN OFFICIAL: Appendix B2 AU0098ORG
Active CERTIFICATE OF THE OFFICER/DESIGNATE AU0099ORG
Active Private Passenger Automobile Filing Guidelines - Major AU0100ORG
Active Superintendent’s Guideline No. 01/18: Attendant Care Hourly Rate Guideline AU0053ORG
Active Revised Attendant Care Hourly Rate Guideline and Clarification of Health Care Providers Subject to the Professional Services Guideline AU0054ORG
Active Health Care for Auto Insurance Guideline AU0055ORG
Active Revised Health Claims for Auto Insurance (HCAI) Guideline – Including the Assessment of Attendant Care Needs Form (Form 1) AU0056ORG
Active Technical Amendments to Auto Insurance Regulations AU0057ORG
Active Amendments to Three Ontario Automobile Policy Forms - OAP 1, OPF 2 and OAP 4 AU0058ORG
Active Automobile Insurance Underwriting Rules and Risk Classification Variables AU0059ORG
Active Regulation on Endorsement for Optional Benefits in the SABS AU0060ORG
Active New background design for Motor Vehicle Liability insurance card AU0061ORG
Active Second set of plain-language policy change forms AU0062ORG
Active FOIPOP and Rate Filings AU0063ORG
Active Rental Vehicles and the Priority Rules AU0064ORG
Active Complete set of endorsements attached to O.P.F. 1 (Owner's Policy) AU0065ORG
Active French Automobile Insurance Forms AU0066ORG
Active Facility Association amendment to eligibility rules in the residual market AU0067ORG
Active Third set of policy change forms AU0068ORG
Active Regulation on lapse in automobile insurance coverage AU0069ORG
Active Amendments to the Ontario Garage Automobile Policy (OAP 4) and related forms, and amendments to the Ontario Automobile Policy (OAP 1) and related forms AU0070ORG
Active Implementing Bill 59: consumer brochures, SABS, and new/revised forms AU0071ORG
Active Changes to Ontario Regulation 7/00: Unfair or Deceptive Acts or Practices AU0021ORG
Active Optional Indexation Benefit Guideline
AU0022ORG
Active Insurer Rights and Responsibilities to Challenge Questionable or Abusive Claims AU0023ORG
Active New Regulations for Service Provider Licensing and Changes to Statutory Accident Benefits Schedule – Effective September 1, 2010 AU0025ORG
Active Minor Injury Guideline AU0026ORG
Active Professional Services Guideline AU0027ORG
Active Revised Minor Injury Guideline and Treatment and Assessment Plan (OCF-18) AU0028ORG
Active New Regulations for Service Provider Licensing and Proclamation Order AU0029ORG
Active New Proclamation Dates for Service Provider Licensing AU0030ORG
Active Updated Professional Services Guideline AU0031ORG
Active Amendments to the Statutory Accident Benefits Schedule, Service Provider Regulations, Administrative Penalties and Eligibility for Transportation Expenses AU0032ORG
Active Late Payments From Insurers to Licensed Service Providers AU0033ORG
Active Changes to Automobile Insurance Regulations; Guideline Update AU0034ORG
Active Revised Certificate of Automobile Insurance Form and Data Elements AU0035ORG
Active Cost of Goods Guideline AU0036ORG
Inactive Catastrophic Impairment – Public Hospitals Guideline AU0037ORG 2020-21 Q3

Replaced by AU0134INT - Guideline on Public Hospitals and Determination of Catastrophic Impairment

Active Processing Direct Payments to Service Providers for "Listed Expenses" AU0038ORG
Active Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Application, Endorsement and Related Forms AU0039ORG
Active Implementing Automobile Insurance Reforms: Amendments to the Accident Benefit Claims Forms AU0040ORG
Active Amendments to Accident Benefit Forms - Application for Determination of Catastrophic Impairment (OCF-19) and Standard Benefit Statement AU0041ORG
Active Amendments to Automobile Insurance Regulations AU0042ORG
Active Amendments to the Settlement Disclosure Notice AU0043ORG
Inactive Catastrophic Impairment - Public Hospitals Guideline and Updated Cost of Goods Guideline AU0044ORG 2020-21 Q3

Replaced by AU0134INT – Guideline  on Public Hospitals and Determination of Catastrophic Impairment

Active Amendment to Catastrophic Impairment Definition AU0045ORG
Active Revised Assessment of Attendant Care Needs and Introduction of Form 1 HCAI Pilot Project AU0046ORG
Active Private Vehicles for Hire - Ridesharing: Fleet Insurance Policy (Intact/Uber), Approval of an Electronic Insurance Card for Ridesharing, and Amendments to the Definition of “Fleet” AU0047ORG
Active Revised Auto Insurance Claim Forms: OCF-18, OCF-21 and OCF-23 AU0048ORG
Active Revised Attendant Care Hourly Rate Guideline and Transportation Expense Guideline AU0049ORG
Active Amendments to the Private Passenger Automobile Filing Guidelines and Technical Notes AU0050ORG
Active Updated Automobile Insurance Filing Guidelines AU0052ORG
Active Financial Literacy Portal AU0001ORG
Active What to Do If You Think You are a Victim of a Scam or Fraud AU0002ORG
Inactive Implementing Automobile Insurance Reforms Under Bill 198: Revised Ontario Automobile Policy (OAP 1) and related Policy and Endorsement Forms AU0003ORG 2020-21 Q3
Active Automobile insurance underwriting rules AU0004ORG
Active Amendments to the Ontario Garage Policy AU0005ORG
Active Emergency Service Provider's Insurance Protection Act (Insurance Amendment), 2004 AU0006ORG
Active Excluded Driver Endorsements (OPCF 28A and O.E.F. 78A) AU0007ORG
Active Revised Ontario Garage Automobile Policy (O.A.P. 4) and Other Automobile Insurance Forms AU0008ORG
Active New and Revise Accident Benefit Claim forms AU0009ORG
Active An Administrative Lapse or a Suspension of a Driver’s Licence AU0010ORG
Active Amendments to the Ontario Automobile Policy (OAP 1) and related forms AU0011ORG
Active Best Practices for Preferred Provider Networks (PPNs) AU0012ORG
Active Amendments to the Ontario Garage Policy (O.A.P. 4) and Other Commercial Automobile Insurance Forms AU0013ORG
Active Compulsory Automobile Insurance Act (CAIA) "Insurance Card" AU0014ORG
Active 2009 Indexation Percentage under Bill 59/198, 2009 Indexation Percentage and Revised Deductibles/Monetary Amounts under Bill 164, and Changes to the Conservative Mennonite Automobile Brotherhood Assistance Plan Exemption Identification Card AU0015ORG
Active Changes to Ontario Regulation 283/95: Disputes Between Insurers AU0016ORG
Active Implementing Automobile Insurance Reforms: Amendments to the Ontario Automobile Policy and Related Forms AU0017ORG
Active Revised Accident Benefit Claims Forms and New Attendant Care Hourly Rate Guideline AU0018ORG
Active Publication of Private Arbitration Decisions Involving Ontario Regulation 283/95: Disputes Between Insurers AU0019ORG
Active New and Revised Policy and Endorsement Forms AU0020ORG
Active Modernizing Automobile Insurance - Approval of Electronic Insurance Card AU0128APP
Active Cost of Assessments and Examinations Guideline AU0127INF
Active Standard Filing AU0126APP