Auto claims history disclosure Ontario (brokers)

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

What documents prove claims history?

Typically the prior policy declaration page, an insurer or industry loss-history report (often called AutoPlus or DASH), and sometimes a loss-history letter. The driver's abstract is primarily licence, class, convictions, and suspensions. Carrier and MGA rules vary.

What if the client says a claim was not at-fault?

Carrier rating rules decide the premium impact. Your job is accurate disclosure on the signed application and a documented file — not re-adjudicating the loss.

Should I bind if loss history shows undeclared claims?

Operational practice: resolve the mismatch before bind. Ontario's Insurance Act addresses knowing misrepresentation or non-disclosure on the automobile application; how that affects a later claim is a legal question for counsel — not a hallway 'it's fine now.'

Does Hivi-X pull AutoPlus or MVR data?

No. You upload the abstract, dec page, or loss-history PDF; Hivi-X tracks approve/reject per line.

How do I document corrected answers?

Reject the application line, collect an amended signed application or documented client confirmation per your brokerage procedure. Ontario law generally ties application statements used in defence of a claim to the signed written application — keep that record.

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