Data Quality Bulletin UV-2001-01: Ontario Garage Automobile ...

TO:
Chief Information Officer, Vice-President Underwriting, Statistical
Submissions Co-ordinator and Uninsured Vehicles Co-ordinator
All Insurers Reporting Ontario Automobile Insurance Premiums
DATE: January 22, 2001
BULLETIN NO: UV – 2001- 01
Ontario Garage Automobile Policy (O.A.P. 4) and
Ontario Owner’s Policy (O.A.P. 1) with Ontario Policy Change Form (O.P.C.F.) 21B
Attached
Bulletin QA – Automobile UIT – 99-01 (copy attached) set out the RIN reporting requirements
for bulk-reported fleet premiums, Type of Business “3” and “4”. While inclusion of the 21B
endorsement was considered, the subject forms ultimately were not included in that directive.
Garage policies and Owner’s policies with a 21B endorsement create a bulk-reporting effect but
currently the vehicles covered thereunder cannot be tracked for purposes of establishing the
existence of mandatory road coverage. If coverage cannot be confirmed, license plate renewal
will be denied. With automated checking of insurance status planned for this December,
corrective measures must be taken now.
Following discussions with insurers, consultants and members of the Underwriting Information
Tracking System (UITS) Data Sharing Committee, reporting of premiums for Ontario Garage
Automobile Policies (O.A.P.4) and Ontario Owners’ Policies (O.A.P.1) with O.P.C.F 21B
attached will be as follows for policy effective dates and entry dates on or after July 1, 2001:
Ontario Garage Automobile Policy (O.A.P. 4) –
Types of Use 81,82,84,85, 86 and 89 are to be reported with the named insured’s RIN if vehicles
owned by the named insured are insured for Mandatory Coverage and with NOT APPLICABLE
in the field if no owned vehicles are insured for Mandatory Coverage by the policy.

Ontario Owners’ Policies (O.A.P. 1) with Ontario Policy Change Form (O.P.C.F.) 21B
attached –
The RIN of the named insured is to be reported on a separate transaction for the same policy at
the time the O.P.C.F. 21B is issued, whether at inception of the policy, at renewal or mid-term.
IICC can accept multiple RINs for the same policy reported on separate transactions. These can
also be reported as non-financial transactions if the company is able to report in this manner. The
Vehicle Indicator will be unique for each RIN and details of how to report the unique Vehicle
Indicator will be included in revised Automobile Underwriting Information Tracking manual
pages which will be distributed in February, 2001.
Companies are reminded that Financial Services Commission of Ontario (FSCO) has recently
issued Bulletin No. A-12/00 Property and Casualty – Auto, “Revised bulletin on the definition of
‘fleet’” which states:
“…..vehicles should not be insured on the same policy as a fleet, where there is no insurable
interest in the vehicle by the policyholder. For example, a vehicle personally owned by an
employee or the spouse of an employee of a business, may not be included in the policy insuring
the fleet of vehicles owned by the business.” IICC’s inquiries indicate that this clause also
applies to Ontario Automobile Garage Policy (O.A.P. 4). The inclusion of ineligible parties may
have serious implications for customers when automated checking of mandatory insurance
begins.
Questions should be directed to one of the staff references listed below at 416-445-5912.
Gary Kapac, Assistant Vice-President
Data Quality Management
Cc – UITS Data Sharing Committee
Staff References
Anita Mueller, Supervisor, Ext. 471, amueller@iicc.ca
Gina Chong Ext. 218 Ken Chung Ext. 458 Richard Girard Ext. 488
gchong@iicc.ca kchung@iicc.ca rgirard@iicc.ca
Steve Gugler Ext. 283 Alan Liu Ext. 106 Toomas Maripuu Ext. 489 Nipa Shaik Ext. 503
sgugler@iicc.ca aliu@iicc.ca tmaripuu@iicc.ca nshaik@iicc.ca

TO:
All Insurers Reporting Ontario Automobile Insurance Premiums
DATE: January 5, 1999
BULLETIN NO.: QA - Automobile UIT - 99-01
FLEET PERMIUMS
INFORMATION FOR THE REPORTING OF RINs
ONTARIO ONLY
Further to our communication of October 2, 1998, our letter of November 30, 1998 ( copies attached)
and subsequent dialogue, the following outlines the proposed reporting requirements which will
become effective for all policy effective dates and entry dates on and after July 1, 1999:
All Bulk Reported Fleets
Type of Business "3" and "4"
1. The parent RIN is to be reported in all cases, whether the named insured be an individual
or an incorporated entity or is operating under a trade name.
2. A separate parent RIN is to be reported for each named insured on the same policy, using
a separate transaction. Vehicles plated to others that are added to the fleet policy (often as
a courtesy) must have the RINs of the individuals reported as separate transactions. (An
individual's RIN is often the same as his/her Driver's Licence Number, but may also be
assigned.)
The specifications and reporting instructions are currently being finalized and will be
forwarded to you shortly.
(Note: Where the definition of Insured is sufficiently broad as to include newly acquired
organizations, Insurers should encourage their Intermediaries and Insureds to advise them
of the RINs of said organizations to ensure their capture in the insured database.)
RINs will be subject to validity and algorithm checks and erroneous RINs will produce the same
error fees as those applied to erroneous VINs.

Revised pages for the Automobile Underwriting Information Tracking (AUIT) manual and the
Skeletal Vehicle Record Reporting Guide, including the RIN algorithm, will be issued early in
1999.
It is not intended that companies change their current reporting method i.e. those which have been
reporting in bulk may continue to do so; those reporting fleets on a per vehicle basis may continue
that method.
Fleet Reported on a Per Vehicle Basis
Type of Business "4" and "5"
IICC has been studying the prospect of amending the reporting requirements for fleets reported on
a per vehicle basis to include a provision for the inclusion of vehicles added to a policy by way of
the 21b endorsement.
While the inability to identify the inclusion of vehicles under the 21b endorsement could result in
some vehicles not being readily identifiable in the insured database, the risk is limited.
The reporting of a parent RIN for fleets reported on a per vehicle basis will be included when the
details have been determined. The Automobile Underwriting Information Tracking manual will be
revised at that time.
If you have any question please do not hesitate to call one of the staff references listed below at
(416) 445-5912
Sincerely,
Marshal Lee
Vice President, Technology Delivery
Staff References: Tamara Babici Ext. 290 Russ Gilchrist Ext. 283
Gina Chong Ext. 218 Karla Baldassarre Ext. 471