BILL NO. 209

155CA (1) Notwithstanding Section 155C, in deciding whether to issue, renew or terminate any contract, or to provide or continue any coverage or endorsement, a licensed insurer shall not consider a person's

(a) employment history;

(b) credit card possession;

(c) credit history;

(d) credit rating;

(e) bankruptcy or history of bankruptcy;

(f) residence history;

(g) home ownership;

(h) gross or net worth;

(i) indebtedness; or

(j) late or dishonoured premium payments that did not result in termination of an automobile policy.

(2) No element of a risk-classification system may use any of the following factors:

(a) level of income;

(b) employment history;

(c) occupation, professional or employment circumstances, unless a contract is for a commercial or public vehicle or a vehicle used in the course of carrying on a business, trade or profession;

(d) credit card possession;

(e) credit history;

(f) credit rating;

(g) bankruptcy or history of bankruptcy;

(h) residence history;

(i) home ownership;

(j) gross or net worth;

(k) indebtedness; and

(l) late or dishonoured premium payments that did not result in termination of an automobile policy.

(3) For greater certainty, the Board shall not, pursuant to Section 155C, approve a risk-classification system that contains any of the factors referred to in subsections (1) and (2).

(4) This Section applies to contacts entered into or renewed under this Part on or after the first day of June, 2005.