General
The highest driving record we offer on commercially rated vehicles.
What is driving record 4*.
A general class which covers business operations such as electricians, plumbers, contractors, florists, crafting and market sales.
What is class 36
The age in which operators are considered underaged.
What is 25 and under.
what is >=4500 kgs
Class that horse trailers are typically rated as.
What is class 36.
What is operations incidental to insured's farm business.
A vehicle used for farm purposes >=4500 kgs but does not do retail/wholesale delivery of produce or livestock.
Also, is typically inadequate for vehicles that haul horse trailers.
How underaged operators are rated on commercial policies.
what is placed on highest rated private passenger style vheicle and rated as if were private passenger.
A heavy vehicle operation type that we (The Commonwell") feel is in the applicant's and broker's best interest to place elsewhere (markets presently available to handle them).
What is long haul trucking, courier services, and risks requiring special filings with various government bodies. - Section E - page 1
Where to find vehicle rate groups if they do not automatically generate.
What is the Commercial Auto Rate Group Chart OR Decode VIN as a ppv vehicle and use the VICC codes and correlated rates.
How to get class 36 to generate in GW.
what is add the vehicle as commercial, ensure weight is <4500 kgs, PO is over the age of 25, and business use is minimum 80 maximum 95%
Identify the use of Class 07 vehicles.
What is a vehicle used for both business and pleasure purposes by the principal operator, who must be at least 25 years old, and does not carry/transport materials, tools, clients and or employees. ei. a real estate agent.
What is a class A license.
A Guidewire work around for getting experienced G licensed operators to rate properly on a heavy (>=4500 kgs) vehicle
What is giving the operator a fake A license to allow for experience.
Max radius we will write per the manual.
What is a commerical vehicle supplement (CVS).
What is class 35.
What a driver must be identified as in order to generate a class 03, 33, or 34.
What is a full time farmer.
How heavy vehicles are typically rated.
What is value rated.
Types of delivery services that are not written.
What is meal, courier, and livery services.
no commerical rated risk may be bound unless...
what is "a classification is indicated in the manual and the rate has been published by the company".
What is a class 42
The maximum weight a G licensed operator can drive as per the MTO.
what is 11,000 kgs.
Coverage that is not available for heavy commercial vehicles.
What is OPCF 2, OPCF 3, OPCF 6A, OPCF 16, OPCF 17, OPCF 19A, OPCF 20, OPCF 27, FM 207, OPCF 32, OPCF 43, OPCF 43A, FMCF 35, FMDR-PLUS, FMCP - Minor Conviction Protection
Main eligibility criteria for fleet discounts in general.
What is;
1. Policy must insure minimum of 5 commercial vehicles, must be more vehicles than trailers.
2. All vehicles must be under one ownership
3. All vehicles must carry mandatory coverage
4. Trailers must be rated at full premium. Those that qualify for 50% of the rate do not qualify for this discount.
5. Company must insure an in-force property and/or commercial policy.