January auto renewal wave documents (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

Do all renewals need new abstracts?

Follow MGA/carrier rules and brokerage policy — many require a current MVR at renewal or on a mid-term change. There is no single province-wide abstract-at-every-renewal statute for brokers; document your SOP.

Client moved addresses?

Add a garaging/address confirmation line — do not reissue on a stale risk address when the client has told you they moved.

Added teen driver over holidays?

New-driver line — licence + abstract (and disclosure updates) before treating them as rated/covered under your authority.

January volume strategy?

Reuse one renewal template; triage by renewal date in CRM; co-agent CSRs on the red-line queue. Prioritize files with open required lines.

Does Hivi-X auto-renew policies?

No. Document QC and export only.

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