Rating updates to Personal Private Vehicles
October 16, 2025
Personal Lines
We’re introducing new rating variables for Personal Auto—qualifying clients may see premium reductions starting October 20 for new business and December 13 for renewals.
Following our previous Personal Auto update, we are introducing a broader set of rating variables along with new risk-specific characteristics. Together, these changes will result in premium reductions for qualifying clients, with pricing more accurately aligned to individual risk profile.
Effective dates
- New business: October 20, 2025
- Renewals: December 13, 2025
Why it matters
- Qualifying clients will see an average reduction of 2.5% to their premiums.
Definition clarifications
Clarifications on the definitions ‘Valid Operator’s License’ and ‘Years Licensed’ have been added to our broker manual. Please refer to the broker manual for full clarifications and our FAQ to address common questions.
As per the OAF 1, date first licensed must represent the date the driver was licensed in Canada or the USA. Where drivers have relocated to Ontario and are considered part of the Ontario Exchange Agreement, brokers must refer to Gore Mutual to ensure the correct date licensed is entered.
Have questions?
If you have any questions, please contact your business development representative.
Our manuals have been updated to reflect all the above changes and are available on GoBroker.
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Holiday hours: Office closure notice
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With the festive season approaching, please note that all of our offices will be closed on select dates, with regular business hours resuming the day after. Read to view the full schedule and details.