AI-generated summary
· Application · 04/01/2026
Heartland Farm Mutual filed a Section 155G rate application for Private Passenger Vehicles effective August 15, 2026 with an overall 0% impact
AI summary
- The application proposes underwriting rule changes and rating manual updates but maintains an overall 0% rate level impact
- Key changes include updating the definition of "Number of Drivers Per Vehicle" to exclude vehicles with Comprehensive or Specified Perils coverage only when calculating driver-to-vehicle ratios
- The company proposes adding "Fail to stop for emergency vehicle" to the list of major convictions and expanding threats to staff provisions to include verbal abuse while removing the police reporting requirement
- Updates to branded vehicle rules would exclude "Rebuilt" vehicles from "Risks to be Referred" and instead include them under "Risks Not Written" alongside existing "Irreparable" and "Salvage" vehicle restrictions
- The filing includes comprehensive Rating Profiles across territories showing varying premium impacts, with some coverage types experiencing significant increases in DCPD coverage despite the overall neutral rate impact
Disclaimer: This summary was generated by AI from the filings it describes. We take care to make it accurate, but errors are possible - and it isn't advice. Only the filings themselves are the record: if you're relying on something here, confirm it against the source documents or the Nova Scotia Energy Board's own record. Full disclaimer →
What was filed
Documents filed on this day
- H-1 Part 1 - Non-confidential
- H-2(c) Part 2 - Confidential
- H-3 Rating Profiles
- H-4(c) Summary - Confidential