Claims history letters are not "check your email for dec page"

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 is a claims history letter for auto insurance?

A document from a prior insurer showing policy periods and claims over the look-back carriers require — also called a letter of experience. Format varies by insurer. Not the same as a declaration page alone, and not the same as a driver's abstract.

When should brokers collect it?

At quote when prior insurer info is entered and your market needs a letter — for example incomplete AutoPlus/DASH history, out-of-province or foreign priors, or MGA checklist rules. Keep the line outstanding until approved.

Can clients upload from an insurer portal?

If the portal PDF meets carrier requirements — QC for date range, named insured, and policy identity. Reject partial exports.

What if the client has no prior Ontario insurance?

Note on file; collect out-of-province or prior-country history per carrier rules — often a separate newcomer checklist logic. See the no-Ontario-abstract newcomer guide.

Does Hivi-X request letters from insurers or pull AutoPlus?

No. Client or broker obtains the letter or industry report; Hivi-X tracks collection and QC.

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