DEC page auto insurance Ontario broker

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

Why won't carriers accept a dec page screenshot?

Screenshots often crop limits, deductibles, policy number, and listed drivers. Carriers and MGAs need the complete declaration page for accurate rating and experience letters.

What is an acceptable dec page upload?

A full PDF from the prior insurer's portal, a scanned paper dec page, or a broker-issued copy. All pages, legible, showing policy number, term dates, and listed drivers.

How should brokers reject bad dec page uploads?

Reject with a specific note — e.g. 'Need full PDF dec page, not screenshot — include all pages from insurer portal.' Clients resubmit when the reason is clear.

Can clients upload dec pages via guest link?

Yes. Hivi-X guest links accept PDF uploads via email OTP without portal signup.

Does Hivi-X replace dec page storage in a BMS?

No. Export the approved dec page PDF to your BMS client folder after QC.

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