€¦ · Page 1 MANITOBA PUBLIC INSURANCE 2014 RATE APPLICATION APPLICATION AND SUPPORTING MATERIAL...

MANITOBA PUBLIC INSURANCE

2014 RATE APPLICATION

VOLUME I

June 14, 2013


2014 RATE APPLICATION

APPLICATION AND SUPPORTING MATERIAL

TABLE OF CONTENTS

VOLUME I Previously Located In

AP. APPLICATION

AP. Application no change

AP.1 Basic Rate Table no change

Miscellaneous Permits and Certificates no change

Driver Licence Premiums and Vehicle no change Premium Discounts

Service and Transaction Fees no change

Fleet Rebates and Surcharges Vol III, AI.5.4.B

AP.2 Experience Adjustment Rules no change

Experience Rate Adjustments no change

AP.3 Classification Offset Adjustment by no change Insurance and Territory

OVERVIEW

General Rate Application Overview Replaces Vol I, PT.MM, PT.HR & PT.LJ

SM. SUPPORTING MATERIAL

SM.1 The Basic Insurance Rate Setting no change Framework

SM.2 Projected Financial Results Vol I, SM.4

SM.3 Program Revenue and Investment Income no change

SM.4 Program Costs Vol 1, SM.2

2014 RATE APPLICATION Table of Contents

Page 2

Previously Located In

SM. SUPPORTING MATERIAL (cont'd)

SM.5 PUB Orders no change

SM.5.1 Cost Allocation Methodology

SM.5.2 DCAT Technical Conference

SM.5.3 Benchmarking, Productivity and Cost Effectiveness

SM.5.4 Road Safety

SM.6 Media Package no change

SM.6.1 News Release

SM.6.2 Notice of Public Hearing and Pre-Hearing Conference

2014 RATE APPLICATION Table of Contents

Page 3

Several changes have been made to the layout of the 2014 Rate Application. To assist you in locating material, the following is the

2013 Table of Contents with locations of the material for 2014. AP. APPLICATION Located in 2014 GRA

AP. Application no change

AP.1 2013 Basic Rate Table no change

Miscellaneous Permits and Certificates 2013 Driver Licence Premiums and Vehicle

Premium Discounts

Service and Transaction Fees

AP.2 Experience Adjustment Rules no change

Experience Rate Adjustments

AP.3 Classification Offset Adjustment by no change Insurance and Territory

PT. PRE-FILED TESTIMONY

PT.MM Testimony of Marilyn McLaren, replaced President & Chief Executive Officer Vol I, Overview

PT.HR Testimony of Heather Reichert, Vice-President, replaced Corporate Finance, Chief Financial Officer Vol I, Overview

PT.LJ Testimony of Luke Johnston, replaced Chief Actuary & Director, Pricing & Economics Vol I, Overview

SM. SUPPORTING MATERIAL

SM.1 The Basic Insurance Rate Setting no change Framework

SM.2 Program Costs Vol I, SM.4

SM.3 Program Revenue no change

SM.4 Projected Financial Results Vol I, SM.2

SM.5 Matters Arising from PUB Hearings no change and Correspondence

SM.6 Media Package no change

MANITOBA PUBLIC INSURANCE 2014 RATE APPLICATION

APPLICATION

CONTENTS AP. Application

AP.1 Basic Rate Table Miscellaneous Permits and Certificates Driver Licence Premiums and Vehicle Premium Discounts Service and Transaction Fees Fleet Rebate and Surcharges

AP.2 Experience Adjustment Rules Experience Rate Adjustments AP.3 • Classification Offset Adjustment by Insurance and Territory

MANITOBA PUBLIC INSURANCE AP. APPLICATION

Manitoba Public Insurance is applying to the Public Utilities Board for approval of the

Corporation’s premiums charged with respect to compulsory driver and vehicle

insurance (rates for service), in accordance with the provisions of The Crown

Corporations Public Review and Accountability Act and The Public Utilities Board Act.

In the 2014 Basic Autopac GRA the Corporation is requesting that the Board

approve:

the premiums charged with respect to compulsory driver and vehicle

insurance (rates for service) effective March 1, 2014.

a 1.8% overall Basic insurance rate increase effective March 1, 2014

the use of the DCAT methodology to determine the Basic Autopac RSR

target, based on the Chief Actuary’s final DCAT report which will be

submitted in June.

a range around the recommended RSR target (if a range is deemed

necessary) based on the actuarial guidelines of a one-in-twenty to a one-

in-one hundred probable event.

Section AP.1 contains the 2014 Basic insurance rates for vehicles, driver

licence premiums and vehicle premium discounts, fees for permits and

certificates, fees for services and transactions, and fleet rebates as follows:

1. Vehicle Premiums

Experience-based rate adjustments largely ranging from -15% to +15%, as

shown in section AP.2, based on adjustment rules also included in AP.2.

Combined classification offsets for all vehicles except off-road vehicles, to

June 14, 2013 2014 RATE APPLICATION Application – AP

Page 2

achieve revenue neutrality in implementing rate group, rate line and

classification changes for 2014/15, as shown in section AP.3.

2. Permits and Certificate

There is no change to rates for permits and certificates.

3. Driver Licence Premiums and Vehicle Premium Discounts

There is no change to vehicle premium discounts and driver licence

premiums.

4. Service and Transaction Fees

There is no change to service and transaction fees.

5. Fleet Rebates and Surcharges

There is no change to fleet rebates or surcharges.

6. Miscellaneous

There is no change in the $40 discount provided to customers with approved

after-market and manufacturer/dealer installed anti-theft devices.

TERR DISC % INSURANCE USE DESCRIPTION 0 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35

1 0 All Purpose Mobility Vehicle 58 65 66 69 72 76 79 83 87 90












1 0 All Purpose Moped 311 461 494 513 536 562 589 617 648 667










1 30 All P M d 218 323 346 359 375 393 412 432 454 467

2014 BASIC RATE TABLE

2014 RATE APPLICATION 2014 Basic Rate Table - AP.1

RATING GROUPS



1 0 All Purpose Motorcycle - Motorscooter 500 cc or less 311 461 494 513 536 562 589 617 648 667












1 0 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 473 685 697 724 755 793 830 870 913 940











June 14, 2013 Page 1 of 56



1 0 All Purpose Motorcycle - Motorscooter 1001 cc or more 473 697 719 747 779 818 856 898 942 970












1 0 All Purpose Motorcycle - Other 500 cc or less 859 894 909 944 985 1034 1083 1135 1191 1226












1 0 All Purpose Motorcycle - Other 501 to 1000 cc 1438 1496 1522 1580 1648 1731 1812 1899 1994 2052

1 5 All P M t l Oth 501 t 1000 1366 1421 1446 1501 1566 1644 1721 1804 1894 1949

RATING GROUPS













1 0 All Purpose Motorcycle - Other 1001 cc or more 1512 1574 1601 1661 1734 1820 1905 1998 2097 2158












1 0 All Purpose Motorcycle - Sport 500 cc or less 1321 1375 1398 1451 1514 1590 1664 1745 1831 1885


June 14, 2013 Page 2 of 56


RATING GROUPS












1 0 All Purpose Motorcycle - Sport 501 to 1000 cc 2051 2135 2171 2254 2352 2469 2585 2710 2845 2928












1 0 All Purpose Motorcycle - Sport 1001 cc or more 2347 2443 2484 2579 2691 2825 2957 3101 3254 3350




1 20 All P M l S 1001 18 8 19 4 198 2063 21 3 2260 2366 2481 2603 26801 20 All Purpose Motorcycle - Sport 1001 cc or more 1878 1954 1987 2063 2153 2260 2366 2481 2603 2680








1 0 All Purpose Motorcycle - Sport Touring 500 cc or less 1060 1103 1122 1165 1215 1276 1336 1400 1470 1513












1 0 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1454 1514 1539 1598 1667 1751 1832 1921 2017 2076





June 14, 2013 Page 3 of 56


RATING GROUPS









1 0 All Purpose Motorcycle - Sport Touring 1001 cc or more 1617 1684 1712 1777 1855 1947 2038 2137 2243 2309












1 0 All Purpose Motorcycle - Touring 500 cc or less 774 806 820 851 888 932 976 1023 1074 1105







1 2 All P M l T i 00 l 6 88 99 621 648 680 12 4 84 801 27 All Purpose Motorcycle - Touring 500 cc or less 565 588 599 621 648 680 712 747 784 807





1 0 All Purpose Motorcycle - Touring 501 to 1000 cc 1315 1369 1392 1445 1508 1583 1657 1737 1823 1877












1 0 All Purpose Motorcycle - Touring 1001 cc or more 1459 1518 1544 1603 1672 1756 1838 1927 2023 2082








June 14, 2013 Page 4 of 56


RATING GROUPS






1 0 All Purpose Motorhome 559 642 725 813 910 995 1081 1187 1297 1313 1445












1 0 All Purpose Passenger Vehicle 621 660 725 758 793 827 859 892 925 955 981 996 1022 1048 1066 1092 1118 1146 1172 1200 1227 1255 1281 1309 1337 1372 1418 1463 1510 1555 1602 1631 1634 1638 1664 1687










1 30 All P P V hi l 43 462 0 31 9 601 624 64 668 68 69 1 34 46 64 83 802 820 840 8 9 8 8 89 916 936 960 993 1024 10 1088 1121 1142 1144 114 116 11811 30 All Purpose Passenger Vehicle 435 462 507 531 555 579 601 624 647 668 687 697 715 734 746 764 783 802 820 840 859 878 897 916 936 960 993 1024 1057 1088 1121 1142 1144 1147 1165 1181


1 0 All Purpose Snow Vehicle (HTA) 355

1 0 All Purpose Trailer $2500 or less 7

1 0 All Purpose Trailer $2501 or more 34 76 119 159 212 246 262 280 292 303 315 328 339

1 0 All Purpose Truck 4,540 kg or less GVW 472 551 569 592 615 639 660 679 700 716 744 774 796 813 840 877 893 921 946 976 1007 1029 1058 1090 1115 1145 1178 1201 1226 1255 1280 1314 1342 1356 1376 1393












1 0 Antique Vehicle - Bus 112

1 0 Antique Vehicle - Motorcycle 112

1 0 Antique Vehicle - Passenger Vehicle 112

1 0 Antique Vehicle - Truck 112

1 0 Artisan Truck 4,540 kg or less GVW 488 571 590 613 637 662 684 703 725 741 770 802 824 842 870 908 925 954 980 1011 1043 1065 1096 1129 1155 1187 1220 1244 1270 1300 1326 1361 1390 1405 1425 1443




June 14, 2013 Page 5 of 56


RATING GROUPS










1 0 Artisan Truck 4,541 to 16,330 kg GVW 613 670 718 774 823 886 939 988 1036 1092 1148 1206 1255 1318 1374 1443 1460












1 0 Artisan Truck 16,331 kg or more GVW 632 632 632 632 632 632 632 632 632 632 632 632 632 632 632 632 632

1 0 Cement/Brick/Exploration Truck 10,891 to 16,330 kg GVW 455 497 533 575 611 658 698 734 769 811 853 896 932 979 1020 1072 1084

1 0 Cement/Brick/Exploration Truck 16,331 kg or more GVW 609 609 609 609 609 609 609 609 609 609 609 609 609 609 609 609 609

1 0 Charter Bus Local 20 seats or less 593 647 687 720 765 802 839 876 929 966 1006 1046 1087 1129

1 0 Charter Bus Local 21 to 35 seats 690 710 755 791 840 881 922 963 1020 1061 1104 1149 1193 1240


1 0 Ch B L l 1 88 898 909 923 981 1029 10 6 1124 1191 1239 1289 1341 1393 1441 0 Charter Bus Local 51 seats or more 885 898 909 923 981 1029 1076 1124 1191 1239 1289 1341 1393 1447

1 0 Common Carrier Bus Over 161 km outside MB 575

1 0 Common Carrier Bus Within MB 1592

1 0 Common Carrier Local Passenger Vehicle 810 862 946 989 1035 1079 1121 1164 1208 1247 1280 1300 1334 1368 1392 1426 1460 1496 1530 1566 1602 1638 1672 1709 1745 1791 1851 1910 1971 2030 2092 2129 2133 2138 2173 2202












1 0 Common Carrier Passenger Vehicle Over 161 km in MB 1281 1362 1495 1564 1636 1706 1773 1840 1909 1971 2024 2054 2108 2162 2200 2253 2307 2364 2419 2475 2532 2589 2643 2701 2758 2831 2926 3020 3116 3209 3306 3365 3372 3380 3434 3481

1 0 Common Carrier Passenger Vehicle Within 161 km in MB 679 722 793 829 867 905 940 976 1012 1046 1073 1089 1118 1146 1167 1195 1224 1254 1283 1313 1343 1373 1402 1433 1463 1501 1552 1601 1653 1702 1753 1784 1788 1793 1821 1846









June 14, 2013 Page 6 of 56


RATING GROUPS





1 0 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 688 804 830 863 897 932 963 990 1021 1044 1085 1130 1161 1186 1224 1279 1303 1343 1380 1424 1468 1500 1543 1590 1626 1671 1718 1752 1788 1831 1867 1916 1958 1978 2006 2032












1 0 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 953 1042 1117 1205 1281 1378 1461 1538 1611 1699 1786 1876 1953 2051 2137 2245 2271











1 33 C C i T k L l Wi hi Ci M 4 41 16 330 k GVW 639 698 48 80 8 8 923 9 9 1030 10 9 1138 119 12 1309 13 4 1432 1 04 1 221 33 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 639 698 748 807 858 923 979 1030 1079 1138 1197 1257 1309 1374 1432 1504 1522

1 0 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 988 988 988 988 988 988 988 988 988 988 988 988 988 988 988 988 988












1 0 Common Carrier Truck Over 161 km in MB 4,540 kg or less GVW 1014 1185 1224 1272 1323 1374 1420 1459 1505 1539 1600 1665 1712 1749 1805 1886 1921 1980 2035 2099 2165 2212 2275 2344 2397 2463 2533 2583 2637 2699 2753 2825 2886 2916 2958 2996

1 0 Common Carrier Truck Over 161 km in MB 4,541 to 16,330 kg GVW 1522 1663 1783 1923 2045 2199 2333 2455 2573 2713 2852 2995 3118 3274 3412 3584 3625

1 0 Common Carrier Truck Over 161 km in MB 16,331 kg or more GVW 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089

1 0 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 491 573 592 616 640 665 687 706 728 745 774 806 828 846 874 913 930 958 985 1016 1048 1071 1101 1134 1160 1192 1226 1250 1276 1306 1332 1367 1397 1411 1432 1450









June 14, 2013 Page 7 of 56


RATING GROUPS





1 0 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 714 780 837 902 960 1032 1095 1152 1207 1273 1338 1406 1463 1536 1601 1682 1701












1 0 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 754 754 754 754 754 754 754 754 754 754 754 754 754 754 754 754 754











1 33 C C i T k Wi hi 161 k i MB 16 331 k GVW 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 01 33 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 505 505 505 505 505 505 505 505 505 505 505 505 505 505 505 505 505

1 0 Common/Private/Contract Passenger Vehicle Over 161 km outside MB 0

1 0 Common/Private/Contract Truck Over 161 km outside MB 0

1 0 Dealer All Uses except Motorcycles 1437

1 0 Dealer Moped 653

1 0 Dealer Motorcycle 1150

1 0 Dealer Trailer 725

1 0 Disabled Persons/Private/Business Bus 20 seats or less 479 522 555 581 618 648 678 707 750 780 812 844 877 911

1 0 Disabled Persons/Private/Business Bus 21 to 35 seats 515 562 597 626 665 697 729 761 807 839 873 909 944 980


1 0 Disabled Persons/Private/Business Bus 51 seats or more 705 715 724 735 781 819 857 895 948 986 1026 1068 1109 1152

1 0 Driveaway Over 161 km outside MB 240

1 0 Driveaway Within MB 560

1 0 Farm Passenger Vehicle 462 491 540 564 590 616 640 664 689 711 730 741 761 780 794 813 833 853 873 893 914 934 954 975 995 1022 1056 1090 1124 1158 1193 1214 1217 1220 1239 1256












June 14, 2013 Page 8 of 56


RATING GROUPS


1 0 Farming All Purpose Truck 4,540 kg or less GVW 430 503 519 540 561 583 602 619 639 653 679 707 726 742 766 800 815 840 863 891 919 939 965 995 1017 1045 1075 1096 1119 1145 1168 1199 1225 1237 1255 1271












1 0 Farming All Purpose Truck 4,541 to 16,330 kg GVW 316 346 371 400 425 457 485 510 535 564 593 623 648 681 710 745 754

1 0 Farming All Purpose Truck 16,331 kg or more GVW 474 518 555 599 637 685 727 765 802 845 888 933 971 1020 1063 1117 1129

1 0 Fishing All Purpose Truck 4,540 kg or less GVW 670 782 808 840 874 907 938 964 994 1016 1056 1100 1130 1155 1192 1245 1269 1307 1344 1386 1430 1461 1502 1548 1583 1627 1673 1706 1741 1782 1818 1866 1906 1926 1953 1979












1 0 Fi hi All P T k 4 41 16 330 k GVW 244 26 286 309 328 3 3 3 4 394 413 43 4 8 481 00 2 48 821 0 Fishing All Purpose Truck 4,541 to 16,330 kg GVW 244 267 286 309 328 353 374 394 413 435 458 481 500 525 548 575 582

1 0 Fishing All Purpose Truck 16,331 kg or more GVW 414 453 485 524 557 599 635 668 700 739 776 815 849 891 929 976 987

1 0 Funeral Passenger Vehicle 370 394 432 452 473 493 512 532 552 570 585 594 610 625 636 651 667 683 699 716 732 748 764 781 797 818 846 873 901 928 956 973 975 977 993 1006

1 0 Limousine All Uses 2608

1 0 Logging Truck 4,540 kg or less GVW 777 908 938 975 1014 1052 1087 1118 1153 1179 1225 1276 1311 1339 1383 1444 1471 1516 1559 1608 1658 1694 1742 1795 1836 1887 1940 1978 2019 2067 2109 2164 2211 2234 2266 2295

1 0 Logging Truck 4,541 to 16,330 kg GVW 874 955 1023 1104 1174 1263 1339 1409 1477 1558 1637 1720 1790 1880 1959 2058 2081

1 0 Logging Truck 16,331 kg or more GVW 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463 1463

1 0 Off-Road Vehicle All Purpose All Terrain Vehicle 350 cc or less 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose All Terrain Vehicle 351 to 500 cc 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose All Terrain Vehicle 501 cc or more 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Motorcycle 100 cc or less 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Motorcycle 101 to 250 cc 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Motorcycle 251 cc or more 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Snow Vehicle 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Snow Vehicle 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14


1 0 Off-Road Vehicle All Purpose Snow Vehicle 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Snowmobile 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

1 0 Off-Road Vehicle All Purpose Snowmobile 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14


1 0 Off-Road Vehicle All Purpose Snowmobile 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

1 0 Other Truck 4,540 kg or less GVW 389 455 470 488 508 527 545 560 578 591 614 639 657 671 693 724 737 760 781 806 831 849 873 900 920 946 973 992 1012 1036 1057 1085 1108 1119 1136 1150

1 0 Other Truck 4,541 to 16,330 kg GVW 538 588 630 680 723 778 825 868 910 959 1008 1059 1102 1158 1207 1268 1282

1 0 Other Truck 16,331 kg or more GVW 749 749 749 749 749 749 749 749 749 749 749 749 749 749 749 749 749

1 0 Petroleum/Chemical Truck 4,540 kg or less GVW 226 264 273 284 295 307 317 326 336 344 357 372 382 390 403 421 429 442 454 469 483 494 508 523 535 550 565 577 588 602 615 631 644 651 660 669

June 14, 2013 Page 9 of 56


RATING GROUPS


1 0 Petroleum/Chemical Truck 4,541 to 16,330 kg GVW 357 390 418 450 479 515 546 575 603 636 668 702 730 767 799 840 849

1 0 Petroleum/Chemical Truck 16,331 kg or more GVW 537 537 537 537 537 537 537 537 537 537 537 537 537 537 537 537 537

1 0 Pleasure Moped 284 414 429 445 465 488 511 536 562 579

1 5 Pleasure Moped 270 393 408 423 442 464 485 509 534 550

1 10 Pleasure Moped 256 373 386 400 418 439 460 482 506 521

1 15 Pleasure Moped 241 352 365 378 395 415 434 456 478 492

1 20 Pleasure Moped 227 331 343 356 372 390 409 429 450 463

1 25 Pleasure Moped 213 310 322 334 349 366 383 402 421 434

1 26 Pleasure Moped 210 306 317 329 344 361 378 397 416 428

1 27 Pleasure Moped 207 302 313 325 339 356 373 391 410 423

1 28 Pleasure Moped 204 298 309 320 335 351 368 386 405 417

1 29 Pleasure Moped 202 294 305 316 330 346 363 381 399 411

1 30 Pleasure Moped 199 290 300 311 325 342 358 375 393 405

1 33 Pleasure Moped 190 277 287 298 312 327 342 359 377 388

1 0 Pleasure Motorcycle - Motorscooter 500 cc or less 284 414 429 445 465 488 511 536 562 579












1 0 Pl M l M 01 1000 382 48 8 603 633 663 69 30 11 0 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 382 548 557 578 603 633 663 695 730 751

1 5 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 363 521 529 549 573 601 630 660 693 713











1 0 Pleasure Motorcycle - Motorscooter 1001 cc or more 431 618 628 652 681 715 748 784 823 847












1 0 Pleasure Motorcycle - Other 500 cc or less 738 769 782 811 847 889 931 976 1024 1054

June 14, 2013 Page 10 of 56


RATING GROUPS













1 0 Pleasure Motorcycle - Other 501 to 1000 cc 1083 1127 1146 1190 1241 1304 1364 1431 1502 1546












1 0 Pleasure Motorcycle - Other 1001 cc or more 1121 1167 1186 1231 1285 1349 1412 1481 1554 1600



1 1 Pl M l O h 1001 9 3 992 1008 1046 1092 114 1200 12 9 1321 13601 15 Pleasure Motorcycle - Other 1001 cc or more 953 992 1008 1046 1092 1147 1200 1259 1321 1360









1 0 Pleasure Motorcycle - Sport 500 cc or less 1011 1052 1070 1111 1159 1217 1274 1336 1402 1443












1 0 Pleasure Motorcycle - Sport 501 to 1000 cc 1498 1559 1586 1646 1717 1803 1887 1979 2077 2138




June 14, 2013 Page 11 of 56


RATING GROUPS










1 0 Pleasure Motorcycle - Sport 1001 cc or more 1837 1912 1944 2018 2106 2211 2315 2427 2547 2622












1 0 Pleasure Motorcycle - Sport Touring 500 cc or less 1057 1100 1119 1162 1212 1273 1332 1397 1466 1509






1 26 Pl M l S T i 00 l 82 814 828 860 89 942 986 1034 108 1111 26 Pleasure Motorcycle - Sport Touring 500 cc or less 782 814 828 860 897 942 986 1034 1085 1117






1 0 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 1090 1135 1154 1198 1250 1313 1374 1440 1512 1556












1 0 Pleasure Motorcycle - Sport Touring 1001 cc or more 1218 1268 1289 1338 1396 1466 1535 1609 1689 1738







June 14, 2013 Page 12 of 56


RATING GROUPS







1 0 Pleasure Motorcycle - Touring 500 cc or less 772 804 818 849 886 930 974 1021 1072 1103












1 0 Pleasure Motorcycle - Touring 501 to 1000 cc 1019 1061 1079 1120 1169 1227 1284 1347 1414 1455









1 29 Pl M l T i 01 1000 23 3 66 9 830 8 1 912 9 6 1004 10331 29 Pleasure Motorcycle - Touring 501 to 1000 cc 723 753 766 795 830 871 912 956 1004 1033



1 0 Pleasure Motorcycle - Touring 1001 cc or more 1107 1152 1171 1216 1269 1332 1395 1462 1535 1580












1 0 Pleasure Motorhome 423 485 548 614 688 752 818 897 980 992 1092










June 14, 2013 Page 13 of 56


RATING GROUPS




1 0 Pleasure Passenger Vehicle 518 551 605 633 662 690 717 745 773 798 819 831 853 875 890 912 934 957 979 1002 1025 1048 1070 1093 1116 1146 1184 1222 1261 1299 1338 1362 1365 1368 1390 1409












1 0 Pleasure Truck 4,540 kg or less GVW 387 452 468 486 505 525 542 557 575 588 611 636 654 668 689 720 734 756 777 802 827 845 869 895 915 941 967 986 1007 1031 1051 1079 1102 1114 1130 1144












1 0 P li /E P V hi l 981 1043 114 119 12 2 1306 13 1408 1462 1 09 1 49 1 3 1614 16 1684 1 2 1 66 1810 18 2 189 1938 1982 2024 2068 2111 216 2240 2312 238 24 2 31 2 6 2 82 2 88 2629 2661 0 Police/Emergency Passenger Vehicle 981 1043 1145 1197 1252 1306 1357 1408 1462 1509 1549 1573 1614 1655 1684 1725 1766 1810 1852 1895 1938 1982 2024 2068 2111 2167 2240 2312 2385 2457 2531 2576 2582 2588 2629 2665

1 0 Police/Emergency Truck 4,540 kg or less GVW 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321 1321

1 0 Police/Emergency Truck 4,541 to 16,330 kg GVW 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318 1318

1 0 Police/Emergency Truck 16,331 kg or more GVW 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169 1169

1 0 Repairer 276

1 0 Sand/Gravel Truck 10,891 to 16,330 kg GVW 595 651 697 752 800 860 913 960 1006 1061 1115 1172 1220 1281 1335 1402 1418

1 0 Sand/Gravel Truck 16,331 kg or more GVW 809 809 809 809 809 809 809 809 809 809 809 809 809 809 809 809 809

1 0 School Bus 20 seats or less 335 365 388 407 432 453 474 495 525 546 568 591 614 638

1 0 School Bus 21 to 35 seats 371 404 430 450 478 502 525 548 581 604 629 654 679 706


1 0 School Bus 51 seats or more 429 467 497 520 553 580 606 633 671 698 726 756 785 816

1 0 Taxi/Livery Passenger Vehicle 7775

1 0 Tow Truck 4,540 kg or less GVW 532 621 642 667 694 720 744 765 789 807 839 873 897 917 947 989 1007 1038 1067 1101 1135 1160 1193 1229 1257 1292 1328 1354 1383 1415 1444 1482 1514 1529 1551 1571

1 0 Tow Truck 4,541 to 16,330 kg GVW 704 769 825 890 946 1017 1079 1136 1190 1255 1319 1386 1442 1515 1579 1658 1677

1 0 Tow Truck 16,331 kg or more GVW 828 828 828 828 828 828 828 828 828 828 828 828 828 828 828 828 828

1 0 Transit Bus 20 seats or less 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956

1 0 Transit Bus 21 to 35 seats 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956


1 0 Transit Bus 51 seats or more 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956 1956

1 0 U Drive Bus 1646

1 0 U Drive Moped 311 461 497 516 538 565 591 620 651 670

1 0 U Drive Motorhome 1384

1 0 U Drive Passenger Vehicle 717 762 837 875 915 955 992 1030 1068 1103 1133 1150 1180 1210 1231 1261 1291 1323 1354 1385 1417 1449 1479 1512 1543 1584 1637 1690 1744 1796 1850 1883 1887 1892 1922 1948

1 0 U Drive Truck 4,540 kg or less GVW 661 772 798 829 863 895 925 951 981 1003 1043 1086 1116 1140 1177 1229 1252 1290 1326 1368 1411 1442 1483 1528 1562 1606 1651 1684 1718 1759 1795 1842 1881 1901 1928 1953

1 0 U Drive Truck 4,541 to 16,330 kg GVW 431 471 505 545 579 623 661 696 729 769 808 849 883 928 967 1016 1027

June 14, 2013 Page 14 of 56


RATING GROUPS


1 0 U Drive Truck 16,331 kg or more GVW 832 832 832 832 832 832 832 832 832 832 832 832 832 832 832 832 832

1 0 Wheelchair Livery Bus 1056 1151 1223 1282 1361 1428 1494 1560 1652 1719 1789 1861 1933 2009

























2 0 All P M l M 00 l 311 461 489 08 30 6 82 610 641 6602 0 All Purpose Motorcycle - Motorscooter 500 cc or less 311 461 489 508 530 556 582 610 641 660

























June 14, 2013 Page 15 of 56


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2 1 All P M l O h 01 1000 112 11 1 1191 1236 1290 13 1418 148 1 61 16062 15 All Purpose Motorcycle - Other 501 to 1000 cc 1125 1171 1191 1236 1290 1355 1418 1487 1561 1606

























June 14, 2013 Page 16 of 56


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2 26 All P M l S 1001 1 0 1 180 18 6 19 20 21 1 22 6 236 2432 26 All Purpose Motorcycle - Sport 1001 cc or more 1707 1777 1807 1876 1957 2055 2151 2256 2367 2437

























June 14, 2013 Page 17 of 56


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2 29 All P M l T i 00 l 19 48 60 90 824 86 90 949 996 10262 29 All Purpose Motorcycle - Touring 500 cc or less 719 748 760 790 824 865 905 949 996 1026

























June 14, 2013 Page 18 of 56


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2 0 All P S V hi l (HTA) 2 12 0 All Purpose Snow Vehicle (HTA) 271

2 0 All Purpose Trailer $2500 or less 7

2 0 All Purpose Trailer $2501 or more 36 80 125 166 222 258 274 294 305 318 330 343 355













2 0 Antique Vehicle - Bus 99

2 0 Antique Vehicle - Motorcycle 110

2 0 Antique Vehicle - Passenger Vehicle 110

2 0 Antique Vehicle - Truck 110







June 14, 2013 Page 19 of 56


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2 0 Artisan Truck 16,331 kg or more GVW 385 385 385 385 385 385 385 385 385 385 385 385 385 385 385 385 385

2 0 Cement/Brick/Exploration Truck 10,891 to 16,330 kg GVW 403 441 472 510 542 583 618 651 682 719 756 794 826 868 904 950 961

2 0 Cement/Brick/Exploration Truck 16,331 kg or more GVW 443 443 443 443 443 443 443 443 443 443 443 443 443 443 443 443 443

2 0 Charter Bus Local 20 seats or less 280 305 324 340 361 378 396 413 438 456 474 493 512 532



2 0 Charter Bus Local 51 seats or more 386 398 414 426 452 473 495 517 548 570 593 617 641 666

2 0 Common Carrier Bus Over 161 km outside MB 575

2 0 C C i B Wi hi MB 1 922 0 Common Carrier Bus Within MB 1592













2 0 Common Carrier Passenger Vehicle Over 161 km in MB 893 950 1043 1091 1141 1190 1236 1283 1331 1375 1411 1433 1470 1507 1534 1571 1609 1649 1687 1726 1766 1805 1843 1884 1923 1974 2040 2106 2173 2238 2305 2346 2352 2357 2395 2427












June 14, 2013 Page 20 of 56


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2 C C i T k L l Wi hi Ci M 16 331 k GVW 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 90 902 5 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 590 590 590 590 590 590 590 590 590 590 590 590 590 590 590 590 590











2 0 Common Carrier Truck Over 161 km in MB 4,540 kg or less GVW 688 804 831 863 898 932 963 990 1021 1044 1085 1130 1161 1186 1225 1279 1303 1343 1381 1424 1469 1501 1543 1590 1626 1671 1719 1753 1789 1831 1868 1917 1958 1979 2007 2033

2 0 Common Carrier Truck Over 161 km in MB 4,541 to 16,330 kg GVW 1086 1187 1272 1373 1460 1570 1665 1752 1836 1937 2036 2138 2225 2337 2436 2559 2588

2 0 Common Carrier Truck Over 161 km in MB 16,331 kg or more GVW 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089












June 14, 2013 Page 21 of 56


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2 0 Common/Private/Contract Passenger Vehicle Over 161 km outside MB 0

2 0 C /P i /C T k O 161 k id MB 02 0 Common/Private/Contract Truck Over 161 km outside MB 0

2 0 Dealer All Uses except Motorcycles 1010

2 0 Dealer Moped 514

2 0 Dealer Motorcycle 814

2 0 Dealer Trailer 524

2 0 Disabled Persons/Private/Business Bus 20 seats or less 364 460 512 536 570 597 625 653 692 719 749 779 809 841



2 0 Disabled Persons/Private/Business Bus 51 seats or more 556 606 644 675 717 752 787 822 871 906 943 981 1019 1058

2 0 Driveaway Over 161 km outside MB 189

2 0 Driveaway Within MB 448















June 14, 2013 Page 22 of 56


RATING GROUPS












2 0 Farming All Purpose Truck 4,541 to 16,330 kg GVW 227 248 266 286 305 328 348 366 383 404 425 446 464 488 508 534 540

2 0 Farming All Purpose Truck 16,331 kg or more GVW 341 373 400 431 459 493 523 551 577 608 640 672 699 734 765 804 813













2 0 Fishing All Purpose Truck 4,541 to 16,330 kg GVW 219 239 257 277 294 317 336 353 370 391 411 431 449 471 491 516 522

2 0 Fishing All Purpose Truck 16,331 kg or more GVW 380 416 446 481 511 550 583 614 643 678 713 749 779 819 853 896 906

2 0 F l P V hi l 220 234 2 6 268 280 293 304 31 32 338 34 3 2 362 3 1 3 386 396 40 41 424 434 444 4 3 463 4 3 48 02 18 34 0 6 8 80 89 92 0 Funeral Passenger Vehicle 220 234 256 268 280 293 304 315 327 338 347 352 362 371 377 386 396 405 415 424 434 444 453 463 473 485 502 518 534 550 567 577 578 580 589 597

2 0 Limousine All Uses 1358

2 0 Logging Truck 4,540 kg or less GVW 572 668 690 718 746 775 801 823 849 868 902 939 965 986 1018 1063 1083 1117 1148 1184 1221 1248 1283 1322 1352 1389 1429 1457 1487 1522 1553 1593 1628 1645 1668 1690

2 0 Logging Truck 4,541 to 16,330 kg GVW 668 730 783 845 898 966 1025 1078 1130 1192 1252 1316 1369 1438 1499 1574 1592

2 0 Logging Truck 16,331 kg or more GVW 802 802 802 802 802 802 802 802 802 802 802 802 802 802 802 802 802

2 0 Off-Road Vehicle All Purpose All Terrain Vehicle 350 cc or less 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose All Terrain Vehicle 351 to 500 cc 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose All Terrain Vehicle 501 cc or more 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose Motorcycle 100 cc or less 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose Motorcycle 101 to 250 cc 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose Motorcycle 251 cc or more 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose Snow Vehicle 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14



2 0 Off-Road Vehicle All Purpose Snow Vehicle 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

2 0 Off-Road Vehicle All Purpose Snowmobile 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14



2 0 Off-Road Vehicle All Purpose Snowmobile 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 14

2 0 Other Truck 4,540 kg or less GVW 318 372 384 400 416 431 446 458 473 483 502 523 537 549 567 592 603 622 639 659 680 695 714 736 753 774 796 811 828 848 865 887 906 916 929 941

2 0 Other Truck 4,541 to 16,330 kg GVW 432 472 506 546 580 624 662 697 730 770 809 850 885 929 968 1017 1028

2 0 Other Truck 16,331 kg or more GVW 514 514 514 514 514 514 514 514 514 514 514 514 514 514 514 514 514

2 0 Petroleum/Chemical Truck 4,540 kg or less GVW 215 251 259 270 280 291 301 309 319 326 339 353 363 371 383 400 407 420 431 445 459 469 482 497 508 522 537 547 559 572 583 599 612 618 627 635

2 0 Petroleum/Chemical Truck 4,541 to 16,330 kg GVW 346 378 405 437 465 500 531 558 585 617 649 681 709 745 776 815 824

2 0 Petroleum/Chemical Truck 16,331 kg or more GVW 305 305 305 305 305 305 305 305 305 305 305 305 305 305 305 305 305

June 14, 2013 Page 23 of 56


RATING GROUPS


2 0 Pleasure Moped 284 410 417 433 452 475 497 521 547 563

2 5 Pleasure Moped 270 389 396 411 429 451 472 495 520 535

2 10 Pleasure Moped 256 369 375 390 407 427 447 469 492 507

2 15 Pleasure Moped 241 348 354 368 384 404 422 443 465 479

2 20 Pleasure Moped 227 328 334 346 362 380 398 417 438 450

2 25 Pleasure Moped 213 307 313 325 339 356 373 391 410 422

2 26 Pleasure Moped 210 303 309 320 334 351 368 386 405 417

2 27 Pleasure Moped 207 299 304 316 330 347 363 380 399 411

2 28 Pleasure Moped 204 295 300 312 325 342 358 375 394 405

2 29 Pleasure Moped 202 291 296 307 321 337 353 370 388 400

2 30 Pleasure Moped 199 287 292 303 316 332 348 365 383 394

2 33 Pleasure Moped 190 275 279 290 303 318 333 349 366 377















2 10 Pl M l M 01 1000 34 4 4 463 480 01 26 1 8 60 622 10 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 345 454 463 480 501 526 551 578 607 625

























June 14, 2013 Page 24 of 56


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2 2 Pl M l O h 1001 80 812 826 8 89 939 983 1030 1081 11142 25 Pleasure Motorcycle - Other 1001 cc or more 780 812 826 857 895 939 983 1030 1081 1114

























June 14, 2013 Page 25 of 56


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2 28 Pl M l S T i 00 l 603 62 638 662 691 26 60 96 836 8602 28 Pleasure Motorcycle - Sport Touring 500 cc or less 603 627 638 662 691 726 760 796 836 860

























June 14, 2013 Page 26 of 56


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2 33 Pl M l T i 01 1000 626 6 1 662 68 1 3 88 826 868 8932 33 Pleasure Motorcycle - Touring 501 to 1000 cc 626 651 662 687 717 753 788 826 868 893

























June 14, 2013 Page 27 of 56


RATING GROUPS


























2 0 Police/Emergency Passenger Vehicle 514 547 600 628 657 685 712 739 767 792 813 825 847 868 883 905 927 949 971 994 1017 1040 1062 1085 1108 1137 1175 1213 1251 1289 1328 1351 1354 1357 1379 1398

2 0 Police/Emergency Truck 4,540 kg or less GVW 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710

2 0 P li /E T k 4 41 16 330 k GVW 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 10 102 0 Police/Emergency Truck 4,541 to 16,330 kg GVW 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710 710

2 0 Police/Emergency Truck 16,331 kg or more GVW 699 699 699 699 699 699 699 699 699 699 699 699 699 699 699 699 699

2 0 Repairer 217

2 0 Sand/Gravel Truck 10,891 to 16,330 kg GVW 429 468 502 542 576 619 657 691 725 764 803 844 878 922 961 1009 1021

2 0 Sand/Gravel Truck 16,331 kg or more GVW 573 573 573 573 573 573 573 573 573 573 573 573 573 573 573 573 573

2 0 School Bus 20 seats or less 158 172 183 191 203 213 223 233 247 257 267 278 289 300



2 0 School Bus 51 seats or more 210 228 243 254 270 283 296 310 328 341 355 369 384 399

2 0 Taxi/Livery Passenger Vehicle 3967

2 0 Tow Truck 4,540 kg or less GVW 372 435 449 467 485 504 521 535 552 565 587 611 628 641 662 692 705 726 746 770 794 811 834 860 879 904 929 948 967 990 1010 1036 1059 1070 1085 1099

2 0 Tow Truck 4,541 to 16,330 kg GVW 606 662 710 766 814 876 929 977 1024 1080 1135 1193 1241 1304 1359 1427 1443

2 0 Tow Truck 16,331 kg or more GVW 451 451 451 451 451 451 451 451 451 451 451 451 451 451 451 451 451

2 0 Transit Bus 20 seats or less 455 490 526 631 712 746 781 815 864 899 935 973 1011 1050



2 0 Transit Bus 51 seats or more 568 751 798 836 888 931 974 1017 1078 1121 1167 1214 1261 1310

2 0 U Drive Bus 874

2 0 U Drive Moped 311 461 489 508 530 556 582 610 641 660

2 0 U Drive Motorhome 742

2 0 U Drive Passenger Vehicle 415 442 485 507 530 553 575 597 619 639 656 666 684 701 713 731 748 767 784 803 821 839 857 876 894 918 949 979 1010 1041 1072 1091 1093 1096 1114 1129

2 0 U Drive Truck 4,540 kg or less GVW 363 424 438 456 474 492 508 523 539 551 573 596 613 626 647 675 688 709 729 752 775 792 815 839 858 882 907 925 944 967 986 1012 1034 1044 1059 1073

2 0 U Drive Truck 4,541 to 16,330 kg GVW 285 312 334 360 383 412 437 460 482 508 534 561 584 613 639 672 679

2 0 U Drive Truck 16,331 kg or more GVW 532 532 532 532 532 532 532 532 532 532 532 532 532 532 532 532 532


June 14, 2013 Page 28 of 56


RATING GROUPS




























3 1 All P M l M 00 l 264 3 384 399 416 43 4 4 9 03 183 15 All Purpose Motorcycle - Motorscooter 500 cc or less 264 377 384 399 416 437 457 479 503 518

























June 14, 2013 Page 29 of 56


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3 26 All P M l O h 01 1000 48 8 92 822 8 8 901 943 988 103 10683 26 All Purpose Motorcycle - Other 501 to 1000 cc 748 778 792 822 858 901 943 988 1037 1068

























June 14, 2013 Page 30 of 56


RATING GROUPS




























3 29 All P M l S 1001 1419 14 1 02 1 8 162 1 08 1 88 18 4 196 2023 29 All Purpose Motorcycle - Sport 1001 cc or more 1419 1477 1502 1558 1627 1708 1788 1874 1967 2025

























June 14, 2013 Page 31 of 56


RATING GROUPS




























3 0 All P M l T i 01 1000 1122 1168 1188 1233 128 13 1 1414 1483 1 16023 0 All Purpose Motorcycle - Touring 501 to 1000 cc 1122 1168 1188 1233 1287 1351 1414 1483 1557 1602






















3 30 All Purpose Motorcycle - Touring 1001 cc or more 785 818 832 863 901 946 990 1038 1090 11213 33 All Purpose Motorcycle - Touring 1001 cc or more 752 783 796 826 862 905 947 994 1043 10733 0 All Purpose Motorhome 713 819 925 1037 1161 1269 1379 1514 1654 1674 1843

June 14, 2013 Page 32 of 56


RATING GROUPS


3 5 All Purpose Motorhome 677 778 879 985 1103 1206 1310 1438 1571 1590 17513 10 All Purpose Motorhome 642 737 832 933 1045 1142 1241 1363 1489 1507 16593 15 All Purpose Motorhome 606 696 786 881 987 1079 1172 1287 1406 1423 15673 20 All Purpose Motorhome 570 655 740 830 929 1015 1103 1211 1323 1339 14743 25 All Purpose Motorhome 535 614 694 778 871 952 1034 1135 1240 1255 13823 26 All Purpose Motorhome 528 606 684 767 859 939 1020 1120 1224 1239 13643 27 All Purpose Motorhome 520 598 675 757 848 926 1007 1105 1207 1222 13453 28 All Purpose Motorhome 513 590 666 747 836 914 993 1090 1191 1205 13273 29 All Purpose Motorhome 506 581 657 736 824 901 979 1075 1174 1189 13093 30 All Purpose Motorhome 499 573 647 726 813 888 965 1060 1158 1172 12903 33 All Purpose Motorhome 478 549 620 695 778 850 924 1014 1108 1122 12353 0 All Purpose Passenger Vehicle 609 648 711 744 778 811 843 875 908 937 962 977 1002 1028 1046 1071 1097 1124 1150 1177 1204 1231 1257 1284 1311 1346 1391 1436 1482 1526 1572 1600 1603 1607 1633 16553 5 All Purpose Passenger Vehicle 579 616 675 707 739 770 801 831 863 890 914 928 952 977 994 1017 1042 1068 1092 1118 1144 1169 1194 1220 1245 1279 1321 1364 1408 1450 1493 1520 1523 1527 1551 15723 10 All Purpose Passenger Vehicle 548 583 640 670 700 730 759 787 817 843 866 879 902 925 941 964 987 1012 1035 1059 1084 1108 1131 1156 1180 1211 1252 1292 1334 1373 1415 1440 1443 1446 1470 14893 15 All Purpose Passenger Vehicle 518 551 604 632 661 689 717 744 772 796 818 830 852 874 889 910 932 955 977 1000 1023 1046 1068 1091 1114 1144 1182 1221 1260 1297 1336 1360 1363 1366 1388 14073 20 All Purpose Passenger Vehicle 487 518 569 595 622 649 674 700 726 750 770 782 802 822 837 857 878 899 920 942 963 985 1006 1027 1049 1077 1113 1149 1186 1221 1258 1280 1282 1286 1306 13243 25 All Purpose Passenger Vehicle 457 486 533 558 583 608 632 656 681 703 721 733 751 771 784 803 823 843 862 883 903 923 943 963 983 1009 1043 1077 1111 1144 1179 1200 1202 1205 1225 12413 26 All Purpose Passenger Vehicle 451 480 526 551 576 600 624 647 672 693 712 723 741 761 774 793 812 832 851 871 891 911 930 950 970 996 1029 1063 1097 1129 1163 1184 1186 1189 1208 12253 27 All Purpose Passenger Vehicle 445 473 519 543 568 592 615 639 663 684 702 713 731 750 764 782 801 821 839 859 879 899 918 937 957 983 1015 1048 1082 1114 1148 1168 1170 1173 1192 12083 28 All Purpose Passenger Vehicle 438 467 512 536 560 584 607 630 654 675 693 703 721 740 753 771 790 809 828 847 867 886 905 924 944 969 1002 1034 1067 1099 1132 1152 1154 1157 1176 11923 29 All Purpose Passenger Vehicle 432 460 505 528 552 576 599 621 645 665 683 694 711 730 743 760 779 798 816 836 855 874 892 912 931 956 988 1020 1052 1083 1116 1136 1138 1141 1159 11753 30 All Purpose Passenger Vehicle 426 454 498 521 545 568 590 612 636 656 673 684 701 720 732 750 768 787 805 824 843 862 880 899 918 942 974 1005 1037 1068 1100 1120 1122 1125 1143 11583 33 All Purpose Passenger Vehicle 408 434 476 498 521 543 565 586 608 628 645 655 671 689 701 718 735 753 770 789 807 825 842 860 878 902 932 962 993 1022 1053 1072 1074 1077 1094 11093 0 All Purpose Snow Vehicle (HTA) 3083 0 All Purpose Trailer $2500 or less 53 0 All Purpose Trailer $2501 or more 22 50 78 104 139 162 172 184 192 199 207 215 2233 0 All Purpose Truck 4,540 kg or less GVW 459 536 554 576 599 622 643 660 681 697 724 754 775 791 817 853 869 896 921 950 980 1001 1030 1061 1085 1115 1147 1169 1193 1222 1246 1279 1306 1320 1339 13563 5 All Purpose Truck 4,540 kg or less GVW 436 509 526 547 569 591 611 627 647 662 688 716 736 751 776 810 826 851 875 902 931 951 978 1008 1031 1059 1090 1111 1133 1161 1184 1215 1241 1254 1272 12883 10 All Purpose Truck 4,540 kg or less GVW 413 482 499 518 539 560 579 594 613 627 652 679 697 712 735 768 782 806 829 855 882 901 927 955 976 1003 1032 1052 1074 1100 1121 1151 1175 1188 1205 12203 15 All Purpose Truck 4,540 kg or less GVW 390 456 471 490 509 529 547 561 579 592 615 641 659 672 694 725 739 762 783 807 833 851 875 902 922 948 975 994 1014 1039 1059 1087 1110 1122 1138 11533 20 All Purpose Truck 4,540 kg or less GVW 367 429 443 461 479 498 514 528 545 558 579 603 620 633 654 682 695 717 737 760 784 801 824 849 868 892 918 935 954 978 997 1023 1045 1056 1071 10853 25 All Purpose Truck 4,540 kg or less GVW 344 402 415 432 449 466 482 495 511 523 543 565 581 593 613 640 652 672 691 712 735 751 772 796 814 836 860 877 895 916 934 959 979 990 1004 10173 26 All Purpose Truck 4,540 kg or less GVW 340 397 410 426 443 460 476 488 504 516 536 558 573 585 605 631 643 663 682 703 725 741 762 785 803 825 849 865 883 904 922 946 966 977 991 10033 27 All Purpose Truck 4,540 kg or less GVW 335 391 404 420 437 454 469 482 497 509 529 550 566 577 596 623 634 654 672 693 715 731 752 775 792 814 837 853 871 892 910 934 953 964 977 9903 28 All Purpose Truck 4,540 kg or less GVW 330 386 399 415 431 448 463 475 490 502 521 543 558 570 588 614 626 645 663 684 706 721 742 764 781 803 826 842 859 880 897 921 940 950 964 9763 29 All Purpose Truck 4,540 kg or less GVW 326 381 393 409 425 442 457 469 484 495 514 535 550 562 580 606 617 636 654 674 696 711 731 753 770 792 814 830 847 868 885 908 927 937 951 9633 30 All Purpose Truck 4,540 kg or less GVW 321 375 388 403 419 435 450 462 477 488 507 528 542 554 572 597 608 627 645 665 686 701 721 743 759 780 803 818 835 855 872 895 914 924 937 9493 33 All Purpose Truck 4,540 kg or less GVW 308 359 371 386 401 417 431 442 456 467 485 505 519 530 547 572 582 600 617 636 657 671 690 711 727 747 768 783 799 819 835 857 875 884 897 9093 0 Antique Vehicle - Bus 993 0 Antique Vehicle - Motorcycle 993 0 Antique Vehicle - Passenger Vehicle 993 0 Antique Vehicle - Truck 993 0 Artisan Truck 4,540 kg or less GVW 280 327 338 352 366 380 392 403 416 425 442 460 473 483 499 521 531 547 562 580 598 611 629 648 662 681 700 714 729 746 761 781 798 806 818 8283 5 Artisan Truck 4,540 kg or less GVW 266 311 321 334 348 361 372 383 395 404 420 437 449 459 474 495 504 520 534 551 568 580 598 616 629 647 665 678 693 709 723 742 758 766 777 7873 10 Artisan Truck 4,540 kg or less GVW 252 294 304 317 329 342 353 363 374 382 398 414 426 435 449 469 478 492 506 522 538 550 566 583 596 613 630 643 656 671 685 703 718 725 736 7453 15 Artisan Truck 4,540 kg or less GVW 238 278 287 299 311 323 333 343 354 361 376 391 402 411 424 443 451 465 478 493 508 519 535 551 563 579 595 607 620 634 647 664 678 685 695 7043 20 Artisan Truck 4,540 kg or less GVW 224 262 270 282 293 304 314 322 333 340 354 368 378 386 399 417 425 438 450 464 478 489 503 518 530 545 560 571 583 597 609 625 638 645 654 6623 25 Artisan Truck 4,540 kg or less GVW 210 245 253 264 274 285 294 302 312 319 331 345 355 362 374 391 398 410 421 435 448 458 472 486 496 511 525 535 547 559 571 586 598 604 613 6213 26 Artisan Truck 4,540 kg or less GVW 207 242 250 260 271 281 290 298 308 314 327 340 350 357 369 386 393 405 416 429 443 452 465 480 490 504 518 528 539 552 563 578 591 596 605 6133 27 Artisan Truck 4,540 kg or less GVW 204 239 247 257 267 277 286 294 304 310 323 336 345 353 364 380 388 399 410 423 437 446 459 473 483 497 511 521 532 545 556 570 583 588 597 6043 28 Artisan Truck 4,540 kg or less GVW 202 235 243 253 264 274 282 290 300 306 318 331 341 348 359 375 382 394 405 418 431 440 453 467 477 490 504 514 525 537 548 562 575 580 589 5963 29 Artisan Truck 4,540 kg or less GVW 199 232 240 250 260 270 278 286 295 302 314 327 336 343 354 370 377 388 399 412 425 434 447 460 470 484 497 507 518 530 540 555 567 572 581 5883 30 Artisan Truck 4,540 kg or less GVW 196 229 237 246 256 266 274 282 291 297 309 322 331 338 349 365 372 383 393 406 419 428 440 454 463 477 490 500 510 522 533 547 559 564 573 5803 33 Artisan Truck 4,540 kg or less GVW 188 219 226 236 245 255 263 270 279 285 296 308 317 324 334 349 356 366 377 389 401 409 421 434 444 456 469 478 488 500 510 523 535 540 548 5553 0 Artisan Truck 4,541 to 16,330 kg GVW 396 433 464 500 532 572 607 639 669 706 742 779 811 852 888 933 9433 5 Artisan Truck 4,541 to 16,330 kg GVW 376 411 441 475 505 543 577 607 636 671 705 740 770 809 844 886 8963 10 Artisan Truck 4,541 to 16,330 kg GVW 356 390 418 450 479 515 546 575 602 635 668 701 730 767 799 840 8493 15 Artisan Truck 4,541 to 16,330 kg GVW 337 368 394 425 452 486 516 543 569 600 631 662 689 724 755 793 8023 20 Artisan Truck 4,541 to 16,330 kg GVW 317 346 371 400 426 458 486 511 535 565 594 623 649 682 710 746 7543 25 Artisan Truck 4,541 to 16,330 kg GVW 297 325 348 375 399 429 455 479 502 529 556 584 608 639 666 700 7073 26 Artisan Truck 4,541 to 16,330 kg GVW 293 320 343 370 394 423 449 473 495 522 549 576 600 630 657 690 6983 27 Artisan Truck 4,541 to 16,330 kg GVW 289 316 339 365 388 418 443 466 488 515 542 569 592 622 648 681 688

June 14, 2013 Page 33 of 56


RATING GROUPS


3 28 Artisan Truck 4,541 to 16,330 kg GVW 285 312 334 360 383 412 437 460 482 508 534 561 584 613 639 672 6793 29 Artisan Truck 4,541 to 16,330 kg GVW 281 307 329 355 378 406 431 454 475 501 527 553 576 605 630 662 6703 30 Artisan Truck 4,541 to 16,330 kg GVW 277 303 325 350 372 400 425 447 468 494 519 545 568 596 622 653 6603 33 Artisan Truck 4,541 to 16,330 kg GVW 265 290 311 335 356 383 407 428 448 473 497 522 543 571 595 625 6323 0 Artisan Truck 16,331 kg or more GVW 371 371 371 371 371 371 371 371 371 371 371 371 371 371 371 371 3713 0 Cement/Brick/Exploration Truck 10,891 to 16,330 kg GVW 272 297 319 344 365 393 417 439 460 485 510 535 557 585 610 641 6483 0 Cement/Brick/Exploration Truck 16,331 kg or more GVW 520 520 520 520 520 520 520 520 520 520 520 520 520 520 520 520 5203 0 Charter Bus Local 20 seats or less 447 487 518 543 577 605 633 660 700 728 758 788 819 8513 0 Charter Bus Local 21 to 35 seats 496 541 575 603 640 671 702 733 777 808 841 875 909 9443 0 Charter Bus Local 36 to 50 seats 572 588 625 655 696 730 764 797 845 879 915 952 988 10273 0 Charter Bus Local 51 seats or more 679 681 682 709 753 789 826 862 914 950 989 1029 1069 11103 0 Common Carrier Bus Over 161 km outside MB 5753 0 Common Carrier Bus Within MB 15923 0 Common Carrier Local Passenger Vehicle 651 692 760 795 831 867 901 935 970 1002 1028 1044 1071 1098 1118 1145 1172 1201 1229 1258 1287 1315 1343 1373 1401 1439 1487 1535 1583 1631 1680 1710 1714 1718 1745 17693 5 Common Carrier Local Passenger Vehicle 618 657 722 755 789 824 856 888 921 952 977 992 1017 1043 1062 1088 1113 1141 1168 1195 1223 1249 1276 1304 1331 1367 1413 1458 1504 1549 1596 1624 1628 1632 1658 16813 10 Common Carrier Local Passenger Vehicle 586 623 684 715 748 780 811 841 873 902 925 940 964 988 1006 1030 1055 1081 1106 1132 1158 1183 1209 1236 1261 1295 1338 1381 1425 1468 1512 1539 1543 1546 1570 15923 15 Common Carrier Local Passenger Vehicle 553 588 646 676 706 737 766 795 824 852 874 887 910 933 950 973 996 1021 1045 1069 1094 1118 1142 1167 1191 1223 1264 1305 1346 1386 1428 1453 1457 1460 1483 15043 20 Common Carrier Local Passenger Vehicle 521 554 608 636 665 694 721 748 776 802 822 835 857 878 894 916 938 961 983 1006 1030 1052 1074 1098 1121 1151 1190 1228 1266 1305 1344 1368 1371 1374 1396 14153 25 Common Carrier Local Passenger Vehicle 488 519 570 596 623 650 676 701 727 751 771 783 803 823 838 859 879 901 922 943 965 986 1007 1030 1051 1079 1115 1151 1187 1223 1260 1282 1285 1288 1309 13273 26 Common Carrier Local Passenger Vehicle 482 512 562 588 615 642 667 692 718 741 761 773 793 813 827 847 867 889 909 931 952 973 994 1016 1037 1065 1100 1136 1171 1207 1243 1265 1268 1271 1291 13093 27 Common Carrier Local Passenger Vehicle 475 505 555 580 607 633 658 683 708 731 750 762 782 802 816 836 856 877 897 918 940 960 980 1002 1023 1050 1086 1121 1156 1191 1226 1248 1251 1254 1274 12913 28 Common Carrier Local Passenger Vehicle 469 498 547 572 598 624 649 673 698 721 740 752 771 791 805 824 844 865 885 906 927 947 967 989 1009 1036 1071 1105 1140 1174 1210 1231 1234 1237 1256 12743 29 Common Carrier Local Passenger Vehicle 462 491 540 564 590 616 640 664 689 711 730 741 760 780 794 813 832 853 873 893 914 934 954 975 995 1022 1056 1090 1124 1158 1193 1214 1217 1220 1239 12563 30 Common Carrier Local Passenger Vehicle 456 484 532 556 582 607 631 654 679 701 720 731 750 769 783 801 820 841 860 881 901 920 940 961 981 1007 1041 1074 1108 1142 1176 1197 1200 1203 1221 12383 33 Common Carrier Local Passenger Vehicle 436 464 509 533 557 581 604 626 650 671 689 699 718 736 749 767 785 805 823 843 862 881 900 920 939 964 996 1028 1061 1093 1126 1146 1148 1151 1169 11853 0 Common Carrier Passenger Vehicle Over 161 km in MB 1410 1499 1646 1722 1801 1878 1951 2025 2102 2170 2228 2262 2321 2380 2422 2481 2540 2602 2663 2725 2787 2850 2910 2974 3036 3117 3221 3324 3430 3533 3640 3704 3713 3721 3781 38323 0 Common Carrier Passenger Vehicle Within 161 km in MB 439 466 512 536 560 584 607 630 654 675 693 704 722 740 753 772 790 810 828 848 867 887 905 925 944 970 1002 1034 1067 1099 1132 1152 1155 1158 1176 11923 5 Common Carrier Passenger Vehicle Within 161 km in MB 417 443 486 509 532 555 577 598 621 641 658 669 686 703 715 733 750 769 787 806 824 843 860 879 897 921 952 982 1014 1044 1075 1094 1097 1100 1117 11323 10 Common Carrier Passenger Vehicle Within 161 km in MB 395 419 461 482 504 526 546 567 589 607 624 634 650 666 678 695 711 729 745 763 780 798 814 832 850 873 902 931 960 989 1019 1037 1039 1042 1058 10733 15 Common Carrier Passenger Vehicle Within 161 km in MB 373 396 435 456 476 496 516 535 556 574 589 598 614 629 640 656 671 688 704 721 737 754 769 786 802 824 852 879 907 934 962 979 982 984 1000 10133 20 Common Carrier Passenger Vehicle Within 161 km in MB 351 373 410 429 448 467 486 504 523 540 554 563 578 592 602 618 632 648 662 678 694 710 724 740 755 776 802 827 854 879 906 922 924 926 941 9543 25 Common Carrier Passenger Vehicle Within 161 km in MB 329 349 384 402 420 438 455 472 490 506 520 528 541 555 565 579 592 607 621 636 650 665 679 694 708 727 751 775 800 824 849 864 866 868 882 8943 26 Common Carrier Passenger Vehicle Within 161 km in MB 325 345 379 397 414 432 449 466 484 499 513 521 534 548 557 571 585 599 613 628 642 656 670 684 699 718 741 765 790 813 838 852 855 857 870 8823 27 Common Carrier Passenger Vehicle Within 161 km in MB 320 340 374 391 409 426 443 460 477 493 506 514 527 540 550 564 577 591 604 619 633 648 661 675 689 708 731 755 779 802 826 841 843 845 858 8703 28 Common Carrier Passenger Vehicle Within 161 km in MB 316 336 369 386 403 420 437 454 471 486 499 507 520 533 542 556 569 583 596 611 624 639 652 666 680 698 721 744 768 791 815 829 832 834 847 8583 29 Common Carrier Passenger Vehicle Within 161 km in MB 312 331 364 381 398 415 431 447 464 479 492 500 513 525 535 548 561 575 588 602 616 630 643 657 670 689 711 734 758 780 804 818 820 822 835 8463 30 Common Carrier Passenger Vehicle Within 161 km in MB 307 326 358 375 392 409 425 441 458 472 485 493 505 518 527 540 553 567 580 594 607 621 633 647 661 679 701 724 747 769 792 806 808 811 823 8343 33 Common Carrier Passenger Vehicle Within 161 km in MB 294 312 343 359 375 391 407 422 438 452 464 472 484 496 505 517 529 543 555 568 581 594 606 620 632 650 671 693 715 736 758 772 774 776 788 7993 0 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 484 565 584 607 632 656 678 696 718 735 763 795 817 834 862 900 917 945 971 1002 1033 1056 1086 1119 1144 1176 1209 1233 1258 1288 1314 1348 1377 1392 1412 14303 5 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 460 537 555 577 600 623 644 661 682 698 725 755 776 792 819 855 871 898 922 952 981 1003 1032 1063 1087 1117 1149 1171 1195 1224 1248 1281 1308 1322 1341 13583 10 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 436 508 526 546 569 590 610 626 646 661 687 715 735 751 776 810 825 850 874 902 930 950 977 1007 1030 1058 1088 1110 1132 1159 1183 1213 1239 1253 1271 12873 15 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 411 480 496 516 537 558 576 592 610 625 649 676 694 709 733 765 779 803 825 852 878 898 923 951 972 1000 1028 1048 1069 1095 1117 1146 1170 1183 1200 12153 20 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 387 452 467 486 506 525 542 557 574 588 610 636 654 667 690 720 734 756 777 802 826 845 869 895 915 941 967 986 1006 1030 1051 1078 1102 1114 1130 11443 25 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 363 424 438 455 474 492 508 522 538 551 572 596 613 625 646 675 688 709 728 751 775 792 814 839 858 882 907 925 943 966 985 1011 1033 1044 1059 10723 26 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 358 418 432 449 468 485 502 515 531 544 565 588 605 617 638 666 679 699 719 741 764 781 804 828 847 870 895 912 931 953 972 998 1019 1030 1045 10583 27 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 353 412 426 443 461 479 495 508 524 537 557 580 596 609 629 657 669 690 709 731 754 771 793 817 835 858 883 900 918 940 959 984 1005 1016 1031 10443 28 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 348 407 420 437 455 472 488 501 517 529 549 572 588 600 621 648 660 680 699 721 744 760 782 806 824 847 870 888 906 927 946 971 991 1002 1017 10303 29 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 344 401 415 431 449 466 481 494 510 522 542 564 580 592 612 639 651 671 689 711 733 750 771 794 812 835 858 875 893 914 933 957 978 988 1003 10153 30 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 339 395 409 425 442 459 475 487 503 514 534 556 572 584 603 630 642 661 680 701 723 739 760 783 801 823 846 863 881 902 920 944 964 974 988 10013 33 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 324 379 391 407 423 440 454 466 481 492 511 533 547 559 578 603 614 633 651 671 692 708 728 750 766 788 810 826 843 863 880 903 923 933 946 9583 0 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 619 677 725 783 832 895 949 999 1047 1104 1161 1219 1269 1332 1389 1459 14753 5 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 588 643 689 744 790 850 902 949 995 1049 1103 1158 1206 1265 1320 1386 14013 10 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 557 609 652 705 749 805 854 899 942 994 1045 1097 1142 1199 1250 1313 13273 15 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 526 575 616 666 707 761 807 849 890 938 987 1036 1079 1132 1181 1240 12543 20 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 495 542 580 626 666 716 759 799 838 883 929 975 1015 1066 1111 1167 11803 25 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 464 508 544 587 624 671 712 749 785 828 871 914 952 999 1042 1094 11063 26 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 458 501 536 579 616 662 702 739 775 817 859 902 939 986 1028 1080 10913 27 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 452 494 529 572 607 653 693 729 764 806 848 890 926 972 1014 1065 10773 28 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 446 487 522 564 599 644 683 719 754 795 836 878 914 959 1000 1050 10623 29 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 439 481 515 556 591 635 674 709 743 784 824 865 901 946 986 1036 10473 30 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 433 474 507 548 582 626 664 699 733 773 813 853 888 932 972 1021 10323 33 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 415 454 486 525 557 600 636 669 701 740 778 817 850 892 931 978 988

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3 0 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 694 694 694 694 694 694 694 694 694 694 694 694 694 694 694 694 6943 5 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 659 659 659 659 659 659 659 659 659 659 659 659 659 659 659 659 6593 10 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 625 625 625 625 625 625 625 625 625 625 625 625 625 625 625 625 6253 15 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 590 590 590 590 590 590 590 590 590 590 590 590 590 590 590 590 5903 20 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 555 555 555 555 555 555 555 555 555 555 555 555 555 555 555 555 5553 25 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 520 520 520 520 520 520 520 520 520 520 520 520 520 520 520 520 5203 26 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 514 514 514 514 514 514 514 514 514 514 514 514 514 514 514 514 5143 27 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 507 507 507 507 507 507 507 507 507 507 507 507 507 507 507 507 5073 28 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 5003 29 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 493 493 493 493 493 493 493 493 493 493 493 493 493 493 493 493 4933 30 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 486 486 486 486 486 486 486 486 486 486 486 486 486 486 486 486 4863 33 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 465 465 465 465 465 465 465 465 465 465 465 465 465 465 465 465 4653 0 Common Carrier Truck Over 161 km in MB 4,540 kg or less GVW 715 835 863 897 933 968 1001 1029 1061 1085 1127 1174 1206 1232 1272 1329 1354 1395 1434 1479 1526 1559 1603 1652 1689 1736 1786 1821 1858 1902 1941 1991 2034 2055 2085 21123 0 Common Carrier Truck Over 161 km in MB 4,541 to 16,330 kg GVW 1230 1344 1440 1554 1652 1777 1885 1984 2079 2192 2304 2420 2519 2645 2757 2896 29293 0 Common Carrier Truck Over 161 km in MB 16,331 kg or more GVW 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 20893 0 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 367 428 443 460 478 497 513 528 544 556 578 602 619 632 653 682 695 716 736 759 783 800 822 847 867 891 916 934 953 976 995 1022 1044 1054 1069 10833 5 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 349 407 421 437 454 472 487 502 517 528 549 572 588 600 620 648 660 680 699 721 744 760 781 805 824 846 870 887 905 927 945 971 992 1001 1016 10293 10 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 330 385 399 414 430 447 462 475 490 500 520 542 557 569 588 614 625 644 662 683 705 720 740 762 780 802 824 841 858 878 895 920 940 949 962 9753 15 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 312 364 377 391 406 422 436 449 462 473 491 512 526 537 555 580 591 609 626 645 666 680 699 720 737 757 779 794 810 830 846 869 887 896 909 9213 20 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 294 342 354 368 382 398 410 422 435 445 462 482 495 506 522 546 556 573 589 607 626 640 658 678 694 713 733 747 762 781 796 818 835 843 855 8663 25 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 275 321 332 345 358 373 385 396 408 417 433 451 464 474 490 511 521 537 552 569 587 600 616 635 650 668 687 700 715 732 746 766 783 790 802 8123 26 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 272 317 328 340 354 368 380 391 403 411 428 445 458 468 483 505 514 530 545 562 579 592 608 627 642 659 678 691 705 722 736 756 773 780 791 8013 27 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 268 312 323 336 349 363 374 385 397 406 422 439 452 461 477 498 507 523 537 554 572 584 600 618 633 650 669 682 696 712 726 746 762 769 780 7913 28 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 264 308 319 331 344 358 369 380 392 400 416 433 446 455 470 491 500 516 530 546 564 576 592 610 624 642 660 672 686 703 716 736 752 759 770 7803 29 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 261 304 315 327 339 353 364 375 386 395 410 427 439 449 464 484 493 508 523 539 556 568 584 601 616 633 650 663 677 693 706 726 741 748 759 7693 30 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 257 300 310 322 335 348 359 370 381 389 405 421 433 442 457 477 486 501 515 531 548 560 575 593 607 624 641 654 667 683 696 715 731 738 748 7583 33 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 246 287 297 308 320 333 344 354 364 373 387 403 415 423 438 457 466 480 493 509 525 536 551 567 581 597 614 626 639 654 667 685 699 706 716 7263 0 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 627 686 735 793 843 907 962 1012 1061 1118 1176 1235 1285 1350 1407 1478 14943 5 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 596 652 698 753 801 862 914 961 1008 1062 1117 1173 1221 1282 1337 1404 14193 10 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 564 617 661 714 759 816 866 911 955 1006 1058 1111 1156 1215 1266 1330 13453 15 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 533 583 625 674 717 771 818 860 902 950 1000 1050 1092 1147 1196 1256 12703 20 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 502 549 588 634 674 726 770 810 849 894 941 988 1028 1080 1126 1182 11953 25 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 470 514 551 595 632 680 721 759 796 838 882 926 964 1012 1055 1108 11203 26 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 464 508 544 587 624 671 712 749 785 827 870 914 951 999 1041 1094 11063 27 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 458 501 537 579 615 662 702 739 775 816 858 902 938 985 1027 1079 10913 28 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 451 494 529 571 607 653 693 729 764 805 847 889 925 972 1013 1064 10763 29 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 445 487 522 563 599 644 683 719 753 794 835 877 912 958 999 1049 10613 30 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 439 480 514 555 590 635 673 708 743 783 823 864 899 945 985 1035 10463 33 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 420 460 492 531 565 608 645 678 711 749 788 827 861 904 943 990 10013 0 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 613 613 613 613 613 613 613 613 613 613 613 613 613 613 613 613 6133 5 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 582 582 582 582 582 582 582 582 582 582 582 582 582 582 582 582 5823 10 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 552 552 552 552 552 552 552 552 552 552 552 552 552 552 552 552 5523 15 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 521 521 521 521 521 521 521 521 521 521 521 521 521 521 521 521 5213 20 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 490 490 490 490 490 490 490 490 490 490 490 490 490 490 490 490 4903 25 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 460 460 460 460 460 460 460 460 460 460 460 460 460 460 460 460 4603 26 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 454 454 454 454 454 454 454 454 454 454 454 454 454 454 454 454 4543 27 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 447 447 447 447 447 447 447 447 447 447 447 447 447 447 447 447 4473 28 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 441 441 441 441 441 441 441 441 441 441 441 441 441 441 441 441 4413 29 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 435 435 435 435 435 435 435 435 435 435 435 435 435 435 435 435 4353 30 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 429 429 429 429 429 429 429 429 429 429 429 429 429 429 429 429 4293 33 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 411 4113 0 Common/Private/Contract Passenger Vehicle Over 161 km outside MB 03 0 Common/Private/Contract Truck Over 161 km outside MB 03 0 Dealer All Uses except Motorcycles 12003 0 Dealer Moped 5383 0 Dealer Motorcycle 9633 0 Dealer Trailer 6133 0 Disabled Persons/Private/Business Bus 20 seats or less 492 536 570 597 634 665 696 727 770 801 834 867 901 9363 0 Disabled Persons/Private/Business Bus 21 to 35 seats 532 580 617 646 686 720 753 786 833 867 902 938 975 10133 0 Disabled Persons/Private/Business Bus 36 to 50 seats 570 621 660 692 735 770 806 842 892 928 966 1005 1043 10843 0 Disabled Persons/Private/Business Bus 51 seats or more 583 636 676 708 752 789 825 861 913 950 988 1028 1068 11103 0 Driveaway Over 161 km outside MB 122

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3 0 Driveaway Within MB 5963 0 Farm Passenger Vehicle 313 333 365 382 399 417 433 449 466 482 494 502 515 528 537 550 564 577 591 605 618 632 646 660 674 691 715 738 761 784 807 822 824 826 839 8503 5 Farm Passenger Vehicle 297 316 347 363 379 396 411 427 443 458 469 477 489 502 510 522 536 548 561 575 587 600 614 627 640 656 679 701 723 745 767 781 783 785 797 8073 10 Farm Passenger Vehicle 282 300 328 344 359 375 390 404 419 434 445 452 463 475 483 495 508 519 532 544 556 569 581 594 607 622 643 664 685 706 726 740 742 743 755 7653 15 Farm Passenger Vehicle 266 283 310 325 339 354 368 382 396 410 420 427 438 449 456 467 479 490 502 514 525 537 549 561 573 587 608 627 647 666 686 699 700 702 713 7223 20 Farm Passenger Vehicle 250 266 292 306 319 334 346 359 373 386 395 402 412 422 430 440 451 462 473 484 494 506 517 528 539 553 572 590 609 627 646 658 659 661 671 6803 25 Farm Passenger Vehicle 235 250 274 286 299 313 325 337 349 361 370 376 386 396 403 412 423 433 443 454 463 474 484 495 505 518 536 553 571 588 605 616 618 619 629 6373 26 Farm Passenger Vehicle 232 246 270 283 295 309 320 332 345 357 366 371 381 391 397 407 417 427 437 448 457 468 478 488 499 511 529 546 563 580 597 608 610 611 621 6293 27 Farm Passenger Vehicle 228 243 266 279 291 304 316 328 340 352 361 366 376 385 392 401 412 421 431 442 451 461 472 482 492 504 522 539 556 572 589 600 602 603 612 6203 28 Farm Passenger Vehicle 225 240 263 275 287 300 312 323 336 347 356 361 371 380 387 396 406 415 426 436 445 455 465 475 485 498 515 531 548 564 581 592 593 595 604 6123 29 Farm Passenger Vehicle 222 236 259 271 283 296 307 319 331 342 351 356 366 375 381 390 400 410 420 430 439 449 459 469 479 491 508 524 540 557 573 584 585 586 596 6033 30 Farm Passenger Vehicle 219 233 255 267 279 292 303 314 326 337 346 351 360 370 376 385 395 404 414 423 433 442 452 462 472 484 500 517 533 549 565 575 577 578 587 5953 33 Farm Passenger Vehicle 210 223 245 256 267 279 290 301 312 323 331 336 345 354 360 368 378 387 396 405 414 423 433 442 452 463 479 494 510 525 541 551 552 553 562 5693 0 Farming All Purpose Truck 4,540 kg or less GVW 455 532 550 571 594 617 637 655 676 691 718 748 768 785 811 847 863 889 914 942 972 993 1021 1052 1076 1106 1137 1160 1184 1212 1236 1269 1296 1309 1328 13453 5 Farming All Purpose Truck 4,540 kg or less GVW 432 505 522 542 564 586 605 622 642 656 682 711 730 746 770 805 820 845 868 895 923 943 970 999 1022 1051 1080 1102 1125 1151 1174 1206 1231 1244 1262 12783 10 Farming All Purpose Truck 4,540 kg or less GVW 409 479 495 514 535 555 573 589 608 622 646 673 691 706 730 762 777 800 823 848 875 894 919 947 968 995 1023 1044 1066 1091 1112 1142 1166 1178 1195 12103 15 Farming All Purpose Truck 4,540 kg or less GVW 387 452 467 485 505 524 541 557 575 587 610 636 653 667 689 720 734 756 777 801 826 844 868 894 915 940 966 986 1006 1030 1051 1079 1102 1113 1129 11433 20 Farming All Purpose Truck 4,540 kg or less GVW 364 426 440 457 475 494 510 524 541 553 574 598 614 628 649 678 690 711 731 754 778 794 817 842 861 885 910 928 947 970 989 1015 1037 1047 1062 10763 25 Farming All Purpose Truck 4,540 kg or less GVW 341 399 412 428 445 463 478 491 507 518 538 561 576 589 608 635 647 667 685 706 729 745 766 789 807 829 853 870 888 909 927 952 972 982 996 10093 26 Farming All Purpose Truck 4,540 kg or less GVW 337 394 407 423 440 457 471 485 500 511 531 554 568 581 600 627 639 658 676 697 719 735 756 778 796 818 841 858 876 897 915 939 959 969 983 9953 27 Farming All Purpose Truck 4,540 kg or less GVW 332 388 401 417 434 450 465 478 493 504 524 546 561 573 592 618 630 649 667 688 710 725 745 768 785 807 830 847 864 885 902 926 946 956 969 9823 28 Farming All Purpose Truck 4,540 kg or less GVW 328 383 396 411 428 444 459 472 487 498 517 539 553 565 584 610 621 640 658 678 700 715 735 757 775 796 819 835 852 873 890 914 933 942 956 9683 29 Farming All Purpose Truck 4,540 kg or less GVW 323 378 390 405 422 438 452 465 480 491 510 531 545 557 576 601 613 631 649 669 690 705 725 747 764 785 807 824 841 861 878 901 920 929 943 9553 30 Farming All Purpose Truck 4,540 kg or less GVW 318 372 385 400 416 432 446 458 473 484 503 524 538 549 568 593 604 622 640 659 680 695 715 736 753 774 796 812 829 848 865 888 907 916 930 9413 33 Farming All Purpose Truck 4,540 kg or less GVW 305 356 368 383 398 413 427 439 453 463 481 501 515 526 543 567 578 596 612 631 651 665 684 705 721 741 762 777 793 812 828 850 868 877 890 9013 0 Farming All Purpose Truck 4,541 to 16,330 kg GVW 195 213 228 246 262 281 299 314 329 347 365 383 399 419 437 459 4643 0 Farming All Purpose Truck 16,331 kg or more GVW 233 255 273 295 314 337 358 377 395 416 437 459 478 502 523 550 5563 0 Fishing All Purpose Truck 4,540 kg or less GVW 402 469 485 504 524 544 563 578 596 610 634 660 678 693 715 747 761 784 806 832 858 877 901 929 950 976 1004 1023 1045 1070 1091 1120 1144 1155 1172 11873 5 Fishing All Purpose Truck 4,540 kg or less GVW 382 446 461 479 498 517 535 549 566 579 602 627 644 658 679 710 723 745 766 790 815 833 856 883 902 927 954 972 993 1016 1036 1064 1087 1097 1113 11283 10 Fishing All Purpose Truck 4,540 kg or less GVW 362 422 436 454 472 490 507 520 536 549 571 594 610 624 643 672 685 706 725 749 772 789 811 836 855 878 904 921 940 963 982 1008 1030 1039 1055 10683 15 Fishing All Purpose Truck 4,540 kg or less GVW 342 399 412 428 445 462 479 491 507 518 539 561 576 589 608 635 647 666 685 707 729 745 766 790 807 830 853 870 888 909 927 952 972 982 996 10093 20 Fishing All Purpose Truck 4,540 kg or less GVW 322 375 388 403 419 435 450 462 477 488 507 528 542 554 572 598 609 627 645 666 686 702 721 743 760 781 803 818 836 856 873 896 915 924 938 9503 25 Fishing All Purpose Truck 4,540 kg or less GVW 301 352 364 378 393 408 422 433 447 457 475 495 508 520 536 560 571 588 604 624 643 658 676 697 712 732 753 767 784 802 818 840 858 866 879 8903 26 Fishing All Purpose Truck 4,540 kg or less GVW 297 347 359 373 388 403 417 428 441 451 469 488 502 513 529 553 563 580 596 616 635 649 667 687 703 722 743 757 773 792 807 829 847 855 867 8783 27 Fishing All Purpose Truck 4,540 kg or less GVW 293 342 354 368 383 397 411 422 435 445 463 482 495 506 522 545 556 572 588 607 626 640 658 678 693 712 733 747 763 781 796 818 835 843 856 8673 28 Fishing All Purpose Truck 4,540 kg or less GVW 289 338 349 363 377 392 405 416 429 439 456 475 488 499 515 538 548 564 580 599 618 631 649 669 684 703 723 737 752 770 786 806 824 832 844 8553 29 Fishing All Purpose Truck 4,540 kg or less GVW 285 333 344 358 372 386 400 410 423 433 450 469 481 492 508 530 540 557 572 591 609 623 640 660 674 693 713 726 742 760 775 795 812 820 832 8433 30 Fishing All Purpose Truck 4,540 kg or less GVW 281 328 339 353 367 381 394 405 417 427 444 462 475 485 500 523 533 549 564 582 601 614 631 650 665 683 703 716 731 749 764 784 801 808 820 8313 33 Fishing All Purpose Truck 4,540 kg or less GVW 269 314 325 338 351 364 377 387 399 409 425 442 454 464 479 500 510 525 540 557 575 588 604 622 636 654 673 685 700 717 731 750 766 774 785 7953 0 Fishing All Purpose Truck 4,541 to 16,330 kg GVW 203 222 238 257 273 294 312 328 344 362 381 400 416 437 456 479 4843 0 Fishing All Purpose Truck 16,331 kg or more GVW 243 265 284 307 326 351 372 392 410 433 455 478 497 522 544 572 5783 0 Funeral Passenger Vehicle 428 455 500 523 547 570 593 615 638 659 677 687 705 723 736 754 772 791 809 828 847 866 884 903 922 947 978 1010 1042 1073 1106 1125 1128 1130 1148 11643 0 Limousine All Uses 16643 0 Logging Truck 4,540 kg or less GVW 723 845 873 907 944 980 1012 1040 1073 1097 1140 1187 1220 1247 1287 1345 1370 1412 1451 1497 1544 1577 1622 1671 1709 1756 1806 1842 1880 1925 1963 2014 2058 2079 2109 21363 0 Logging Truck 4,541 to 16,330 kg GVW 823 899 964 1040 1106 1189 1262 1328 1391 1467 1542 1620 1686 1771 1845 1938 19603 0 Logging Truck 16,331 kg or more GVW 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 1154 11543 0 Off-Road Vehicle All Purpose All Terrain Vehicle 350 cc or less 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose All Terrain Vehicle 351 to 500 cc 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose All Terrain Vehicle 501 cc or more 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Motorcycle 100 cc or less 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Motorcycle 101 to 250 cc 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Motorcycle 251 cc or more 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snow Vehicle 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snow Vehicle 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snow Vehicle 651 to 750 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snow Vehicle 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snowmobile 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snowmobile 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snowmobile 651 to 750 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Off-Road Vehicle All Purpose Snowmobile 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 143 0 Other Truck 4,540 kg or less GVW 351 411 424 441 459 476 492 506 522 533 554 577 593 606 626 654 666 686 705 728 750 767 788 812 831 854 878 895 914 936 954 979 1000 1011 1025 10393 0 Other Truck 4,541 to 16,330 kg GVW 451 493 528 570 606 651 691 727 762 803 845 887 923 970 1011 1061 1074

June 14, 2013 Page 36 of 56


RATING GROUPS


3 0 Other Truck 16,331 kg or more GVW 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 600 6003 0 Petroleum/Chemical Truck 4,540 kg or less GVW 281 328 339 352 366 380 393 404 417 426 443 461 474 484 500 522 532 548 563 581 599 612 630 649 664 682 701 715 730 747 762 782 799 807 819 8293 0 Petroleum/Chemical Truck 4,541 to 16,330 kg GVW 370 404 433 467 497 534 567 596 625 659 693 728 757 795 829 871 8803 0 Petroleum/Chemical Truck 16,331 kg or more GVW 421 421 421 421 421 421 421 421 421 421 421 421 421 421 421 421 4213 0 Pleasure Moped 251 343 349 362 378 396 415 435 457 4703 5 Pleasure Moped 238 326 332 344 359 376 394 413 434 4463 10 Pleasure Moped 226 309 314 326 340 356 373 391 411 4233 15 Pleasure Moped 213 292 297 308 321 337 353 370 388 3993 20 Pleasure Moped 201 274 279 290 302 317 332 348 366 3763 25 Pleasure Moped 188 257 262 271 283 297 311 326 343 3523 26 Pleasure Moped 186 254 258 268 280 293 307 322 338 3483 27 Pleasure Moped 183 250 255 264 276 289 303 318 334 3433 28 Pleasure Moped 181 247 251 261 272 285 299 313 329 3383 29 Pleasure Moped 178 244 248 257 268 281 295 309 324 3343 30 Pleasure Moped 176 240 244 253 265 277 290 304 320 3293 33 Pleasure Moped 168 230 234 243 253 265 278 291 306 3153 0 Pleasure Motorcycle - Motorscooter 500 cc or less 251 343 349 362 378 396 415 435 457 4703 5 Pleasure Motorcycle - Motorscooter 500 cc or less 238 326 332 344 359 376 394 413 434 4463 10 Pleasure Motorcycle - Motorscooter 500 cc or less 226 309 314 326 340 356 373 391 411 4233 15 Pleasure Motorcycle - Motorscooter 500 cc or less 213 292 297 308 321 337 353 370 388 3993 20 Pleasure Motorcycle - Motorscooter 500 cc or less 201 274 279 290 302 317 332 348 366 3763 25 Pleasure Motorcycle - Motorscooter 500 cc or less 188 257 262 271 283 297 311 326 343 3523 26 Pleasure Motorcycle - Motorscooter 500 cc or less 186 254 258 268 280 293 307 322 338 3483 27 Pleasure Motorcycle - Motorscooter 500 cc or less 183 250 255 264 276 289 303 318 334 3433 28 Pleasure Motorcycle - Motorscooter 500 cc or less 181 247 251 261 272 285 299 313 329 3383 29 Pleasure Motorcycle - Motorscooter 500 cc or less 178 244 248 257 268 281 295 309 324 3343 30 Pleasure Motorcycle - Motorscooter 500 cc or less 176 240 244 253 265 277 290 304 320 3293 33 Pleasure Motorcycle - Motorscooter 500 cc or less 168 230 234 243 253 265 278 291 306 3153 0 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 341 427 434 450 470 493 516 542 568 5853 5 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 324 406 412 427 446 468 490 515 540 5563 10 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 307 384 391 405 423 444 464 488 511 5263 15 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 290 363 369 382 399 419 439 461 483 4973 20 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 273 342 347 360 376 394 413 434 454 4683 25 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 256 320 325 337 352 370 387 406 426 4393 26 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 252 316 321 333 348 365 382 401 420 4333 27 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 249 312 317 328 343 360 377 396 415 4273 28 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 246 307 312 324 338 355 372 390 409 4213 29 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 242 303 308 319 334 350 366 385 403 4153 30 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 239 299 304 315 329 345 361 379 398 4093 33 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 228 286 291 301 315 330 346 363 381 3923 0 Pleasure Motorcycle - Motorscooter 1001 cc or more 341 427 434 450 470 493 516 542 568 5853 5 Pleasure Motorcycle - Motorscooter 1001 cc or more 324 406 412 427 446 468 490 515 540 5563 10 Pleasure Motorcycle - Motorscooter 1001 cc or more 307 384 391 405 423 444 464 488 511 5263 15 Pleasure Motorcycle - Motorscooter 1001 cc or more 290 363 369 382 399 419 439 461 483 4973 20 Pleasure Motorcycle - Motorscooter 1001 cc or more 273 342 347 360 376 394 413 434 454 4683 25 Pleasure Motorcycle - Motorscooter 1001 cc or more 256 320 325 337 352 370 387 406 426 4393 26 Pleasure Motorcycle - Motorscooter 1001 cc or more 252 316 321 333 348 365 382 401 420 4333 27 Pleasure Motorcycle - Motorscooter 1001 cc or more 249 312 317 328 343 360 377 396 415 4273 28 Pleasure Motorcycle - Motorscooter 1001 cc or more 246 307 312 324 338 355 372 390 409 4213 29 Pleasure Motorcycle - Motorscooter 1001 cc or more 242 303 308 319 334 350 366 385 403 4153 30 Pleasure Motorcycle - Motorscooter 1001 cc or more 239 299 304 315 329 345 361 379 398 4093 33 Pleasure Motorcycle - Motorscooter 1001 cc or more 228 286 291 301 315 330 346 363 381 3923 0 Pleasure Motorcycle - Other 500 cc or less 537 559 568 590 615 646 676 709 744 7663 5 Pleasure Motorcycle - Other 500 cc or less 510 531 540 560 584 614 642 674 707 7283 10 Pleasure Motorcycle - Other 500 cc or less 483 503 511 531 553 581 608 638 670 6893 15 Pleasure Motorcycle - Other 500 cc or less 456 475 483 501 523 549 575 603 632 6513 20 Pleasure Motorcycle - Other 500 cc or less 430 447 454 472 492 517 541 567 595 6133 25 Pleasure Motorcycle - Other 500 cc or less 403 419 426 442 461 484 507 532 558 5743 26 Pleasure Motorcycle - Other 500 cc or less 397 414 420 437 455 478 500 525 551 5673 27 Pleasure Motorcycle - Other 500 cc or less 392 408 415 431 449 472 493 518 543 5593 28 Pleasure Motorcycle - Other 500 cc or less 387 402 409 425 443 465 487 510 536 5523 29 Pleasure Motorcycle - Other 500 cc or less 381 397 403 419 437 459 480 503 528 544

June 14, 2013 Page 37 of 56


RATING GROUPS


3 30 Pleasure Motorcycle - Other 500 cc or less 376 391 398 413 430 452 473 496 521 5363 33 Pleasure Motorcycle - Other 500 cc or less 360 375 381 395 412 433 453 475 498 5133 0 Pleasure Motorcycle - Other 501 to 1000 cc 808 842 856 888 927 973 1019 1068 1121 11543 5 Pleasure Motorcycle - Other 501 to 1000 cc 768 800 813 844 881 924 968 1015 1065 10963 10 Pleasure Motorcycle - Other 501 to 1000 cc 727 758 770 799 834 876 917 961 1009 10393 15 Pleasure Motorcycle - Other 501 to 1000 cc 687 716 728 755 788 827 866 908 953 9813 20 Pleasure Motorcycle - Other 501 to 1000 cc 646 674 685 710 742 778 815 854 897 9233 25 Pleasure Motorcycle - Other 501 to 1000 cc 606 631 642 666 695 730 764 801 841 8653 26 Pleasure Motorcycle - Other 501 to 1000 cc 598 623 633 657 686 720 754 790 830 8543 27 Pleasure Motorcycle - Other 501 to 1000 cc 590 615 625 648 677 710 744 780 818 8423 28 Pleasure Motorcycle - Other 501 to 1000 cc 582 606 616 639 667 701 734 769 807 8313 29 Pleasure Motorcycle - Other 501 to 1000 cc 574 598 608 630 658 691 723 758 796 8193 30 Pleasure Motorcycle - Other 501 to 1000 cc 566 589 599 622 649 681 713 748 785 8083 33 Pleasure Motorcycle - Other 501 to 1000 cc 541 564 574 595 621 652 683 716 751 7733 0 Pleasure Motorcycle - Other 1001 cc or more 860 895 911 945 986 1036 1084 1137 1193 12283 5 Pleasure Motorcycle - Other 1001 cc or more 817 850 865 898 937 984 1030 1080 1133 11673 10 Pleasure Motorcycle - Other 1001 cc or more 774 805 820 850 887 932 976 1023 1074 11053 15 Pleasure Motorcycle - Other 1001 cc or more 731 761 774 803 838 881 921 966 1014 10443 20 Pleasure Motorcycle - Other 1001 cc or more 688 716 729 756 789 829 867 910 954 9823 25 Pleasure Motorcycle - Other 1001 cc or more 645 671 683 709 739 777 813 853 895 9213 26 Pleasure Motorcycle - Other 1001 cc or more 636 662 674 699 730 767 802 841 883 9093 27 Pleasure Motorcycle - Other 1001 cc or more 628 653 665 690 720 756 791 830 871 8963 28 Pleasure Motorcycle - Other 1001 cc or more 619 644 656 680 710 746 780 819 859 8843 29 Pleasure Motorcycle - Other 1001 cc or more 611 635 647 671 700 736 770 807 847 8723 30 Pleasure Motorcycle - Other 1001 cc or more 602 626 638 661 690 725 759 796 835 8603 33 Pleasure Motorcycle - Other 1001 cc or more 576 600 610 633 661 694 726 762 799 8233 0 Pleasure Motorcycle - Sport 500 cc or less 864 899 915 949 991 1040 1089 1142 1198 12333 5 Pleasure Motorcycle - Sport 500 cc or less 821 854 869 902 941 988 1035 1085 1138 11713 10 Pleasure Motorcycle - Sport 500 cc or less 778 809 823 854 892 936 980 1028 1078 11103 15 Pleasure Motorcycle - Sport 500 cc or less 734 764 778 807 842 884 926 971 1018 10483 20 Pleasure Motorcycle - Sport 500 cc or less 691 719 732 759 793 832 871 914 958 9863 25 Pleasure Motorcycle - Sport 500 cc or less 648 674 686 712 743 780 817 856 898 9253 26 Pleasure Motorcycle - Sport 500 cc or less 639 665 677 702 733 770 806 845 887 9123 27 Pleasure Motorcycle - Sport 500 cc or less 631 656 668 693 723 759 795 834 875 9003 28 Pleasure Motorcycle - Sport 500 cc or less 622 647 659 683 714 749 784 822 863 8883 29 Pleasure Motorcycle - Sport 500 cc or less 613 638 650 674 704 738 773 811 851 8753 30 Pleasure Motorcycle - Sport 500 cc or less 605 629 640 664 694 728 762 799 839 8633 33 Pleasure Motorcycle - Sport 500 cc or less 579 602 613 636 664 697 730 765 803 8263 0 Pleasure Motorcycle - Sport 501 to 1000 cc 1130 1176 1196 1242 1296 1360 1424 1493 1567 16133 5 Pleasure Motorcycle - Sport 501 to 1000 cc 1073 1117 1136 1180 1231 1292 1353 1418 1489 15323 10 Pleasure Motorcycle - Sport 501 to 1000 cc 1017 1058 1076 1118 1166 1224 1282 1344 1410 14523 15 Pleasure Motorcycle - Sport 501 to 1000 cc 960 1000 1017 1056 1102 1156 1210 1269 1332 13713 20 Pleasure Motorcycle - Sport 501 to 1000 cc 904 941 957 994 1037 1088 1139 1194 1254 12903 25 Pleasure Motorcycle - Sport 501 to 1000 cc 847 882 897 931 972 1020 1068 1120 1175 12103 26 Pleasure Motorcycle - Sport 501 to 1000 cc 836 870 885 919 959 1006 1054 1105 1160 11943 27 Pleasure Motorcycle - Sport 501 to 1000 cc 825 858 873 907 946 993 1040 1090 1144 11773 28 Pleasure Motorcycle - Sport 501 to 1000 cc 814 847 861 894 933 979 1025 1075 1128 11613 29 Pleasure Motorcycle - Sport 501 to 1000 cc 802 835 849 882 920 966 1011 1060 1113 11453 30 Pleasure Motorcycle - Sport 501 to 1000 cc 791 823 837 869 907 952 997 1045 1097 11293 33 Pleasure Motorcycle - Sport 501 to 1000 cc 757 788 801 832 868 911 954 1000 1050 10813 0 Pleasure Motorcycle - Sport 1001 cc or more 1749 1820 1851 1922 2005 2106 2204 2311 2425 24973 5 Pleasure Motorcycle - Sport 1001 cc or more 1662 1729 1758 1826 1905 2001 2094 2195 2304 23723 10 Pleasure Motorcycle - Sport 1001 cc or more 1574 1638 1666 1730 1804 1895 1984 2080 2182 22473 15 Pleasure Motorcycle - Sport 1001 cc or more 1487 1547 1573 1634 1704 1790 1873 1964 2061 21223 20 Pleasure Motorcycle - Sport 1001 cc or more 1399 1456 1481 1538 1604 1685 1763 1849 1940 19983 25 Pleasure Motorcycle - Sport 1001 cc or more 1312 1365 1388 1441 1504 1579 1653 1733 1819 18733 26 Pleasure Motorcycle - Sport 1001 cc or more 1294 1347 1370 1422 1484 1558 1631 1710 1794 18483 27 Pleasure Motorcycle - Sport 1001 cc or more 1277 1329 1351 1403 1464 1537 1609 1687 1770 18233 28 Pleasure Motorcycle - Sport 1001 cc or more 1259 1310 1333 1384 1444 1516 1587 1664 1746 17983 29 Pleasure Motorcycle - Sport 1001 cc or more 1242 1292 1314 1365 1424 1495 1565 1641 1722 17733 30 Pleasure Motorcycle - Sport 1001 cc or more 1224 1274 1296 1345 1403 1474 1543 1618 1697 17483 33 Pleasure Motorcycle - Sport 1001 cc or more 1172 1219 1240 1288 1343 1411 1477 1548 1625 1673

June 14, 2013 Page 38 of 56


RATING GROUPS


3 0 Pleasure Motorcycle - Sport Touring 500 cc or less 701 730 742 771 804 844 884 927 973 10013 5 Pleasure Motorcycle - Sport Touring 500 cc or less 666 693 705 732 764 802 840 881 924 9513 10 Pleasure Motorcycle - Sport Touring 500 cc or less 631 657 668 694 724 760 796 834 876 9013 15 Pleasure Motorcycle - Sport Touring 500 cc or less 596 620 631 655 683 717 751 788 827 8513 20 Pleasure Motorcycle - Sport Touring 500 cc or less 561 584 594 617 643 675 707 742 778 8013 25 Pleasure Motorcycle - Sport Touring 500 cc or less 526 547 556 578 603 633 663 695 730 7513 26 Pleasure Motorcycle - Sport Touring 500 cc or less 519 540 549 571 595 625 654 686 720 7413 27 Pleasure Motorcycle - Sport Touring 500 cc or less 512 533 542 563 587 616 645 677 710 7313 28 Pleasure Motorcycle - Sport Touring 500 cc or less 505 526 534 555 579 608 636 667 701 7213 29 Pleasure Motorcycle - Sport Touring 500 cc or less 498 518 527 547 571 599 628 658 691 7113 30 Pleasure Motorcycle - Sport Touring 500 cc or less 491 511 519 540 563 591 619 649 681 7013 33 Pleasure Motorcycle - Sport Touring 500 cc or less 470 489 497 517 539 565 592 621 652 6713 0 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 807 840 855 887 926 972 1017 1067 1120 11523 5 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 767 798 812 843 880 923 966 1014 1064 10943 10 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 726 756 769 798 833 875 915 960 1008 10373 15 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 686 714 727 754 787 826 864 907 952 9793 20 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 646 672 684 710 741 778 814 854 896 9223 25 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 605 630 641 665 694 729 763 800 840 8643 26 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 597 622 633 656 685 719 753 790 829 8523 27 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 589 613 624 648 676 710 742 779 818 8413 28 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 581 605 616 639 667 700 732 768 806 8293 29 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 573 596 607 630 657 690 722 758 795 8183 30 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 565 588 598 621 648 680 712 747 784 8063 33 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 541 563 573 594 620 651 681 715 750 7723 0 Pleasure Motorcycle - Sport Touring 1001 cc or more 997 1038 1055 1096 1143 1200 1256 1317 1383 14233 5 Pleasure Motorcycle - Sport Touring 1001 cc or more 947 986 1002 1041 1086 1140 1193 1251 1314 13523 10 Pleasure Motorcycle - Sport Touring 1001 cc or more 897 934 949 986 1029 1080 1130 1185 1245 12813 15 Pleasure Motorcycle - Sport Touring 1001 cc or more 847 882 897 932 972 1020 1068 1119 1176 12103 20 Pleasure Motorcycle - Sport Touring 1001 cc or more 798 830 844 877 914 960 1005 1054 1106 11383 25 Pleasure Motorcycle - Sport Touring 1001 cc or more 748 778 791 822 857 900 942 988 1037 10673 26 Pleasure Motorcycle - Sport Touring 1001 cc or more 738 768 781 811 846 888 929 975 1023 10533 27 Pleasure Motorcycle - Sport Touring 1001 cc or more 728 758 770 800 834 876 917 961 1010 10393 28 Pleasure Motorcycle - Sport Touring 1001 cc or more 718 747 760 789 823 864 904 948 996 10253 29 Pleasure Motorcycle - Sport Touring 1001 cc or more 708 737 749 778 812 852 892 935 982 10103 30 Pleasure Motorcycle - Sport Touring 1001 cc or more 698 727 738 767 800 840 879 922 968 9963 33 Pleasure Motorcycle - Sport Touring 1001 cc or more 668 695 707 734 766 804 842 882 927 9533 0 Pleasure Motorcycle - Touring 500 cc or less 668 696 707 734 766 805 842 883 927 9543 5 Pleasure Motorcycle - Touring 500 cc or less 635 661 672 697 728 765 800 839 881 9063 10 Pleasure Motorcycle - Touring 500 cc or less 601 626 636 661 689 724 758 795 834 8593 15 Pleasure Motorcycle - Touring 500 cc or less 568 592 601 624 651 684 716 751 788 8113 20 Pleasure Motorcycle - Touring 500 cc or less 534 557 566 587 613 644 674 706 742 7633 25 Pleasure Motorcycle - Touring 500 cc or less 501 522 530 550 574 604 631 662 695 7153 26 Pleasure Motorcycle - Touring 500 cc or less 494 515 523 543 567 596 623 653 686 7063 27 Pleasure Motorcycle - Touring 500 cc or less 488 508 516 536 559 588 615 645 677 6963 28 Pleasure Motorcycle - Touring 500 cc or less 481 501 509 528 552 580 606 636 667 6873 29 Pleasure Motorcycle - Touring 500 cc or less 474 494 502 521 544 572 598 627 658 6773 30 Pleasure Motorcycle - Touring 500 cc or less 468 487 495 514 536 563 589 618 649 6683 33 Pleasure Motorcycle - Touring 500 cc or less 448 466 474 492 513 539 564 592 621 6393 0 Pleasure Motorcycle - Touring 501 to 1000 cc 777 808 822 853 891 935 979 1026 1077 11093 5 Pleasure Motorcycle - Touring 501 to 1000 cc 738 768 781 810 846 888 930 975 1023 10543 10 Pleasure Motorcycle - Touring 501 to 1000 cc 699 727 740 768 802 841 881 923 969 9983 15 Pleasure Motorcycle - Touring 501 to 1000 cc 660 687 699 725 757 795 832 872 915 9433 20 Pleasure Motorcycle - Touring 501 to 1000 cc 622 646 658 682 713 748 783 821 862 8873 25 Pleasure Motorcycle - Touring 501 to 1000 cc 583 606 616 640 668 701 734 769 808 8323 26 Pleasure Motorcycle - Touring 501 to 1000 cc 575 598 608 631 659 692 724 759 797 8213 27 Pleasure Motorcycle - Touring 501 to 1000 cc 567 590 600 623 650 683 715 749 786 8103 28 Pleasure Motorcycle - Touring 501 to 1000 cc 559 582 592 614 642 673 705 739 775 7983 29 Pleasure Motorcycle - Touring 501 to 1000 cc 552 574 584 606 633 664 695 728 765 7873 30 Pleasure Motorcycle - Touring 501 to 1000 cc 544 566 575 597 624 654 685 718 754 7763 33 Pleasure Motorcycle - Touring 501 to 1000 cc 521 541 551 572 597 626 656 687 722 7433 0 Pleasure Motorcycle - Touring 1001 cc or more 845 880 895 929 969 1017 1065 1117 1172 12063 5 Pleasure Motorcycle - Touring 1001 cc or more 803 836 850 883 921 966 1012 1061 1113 1146

June 14, 2013 Page 39 of 56


RATING GROUPS


3 10 Pleasure Motorcycle - Touring 1001 cc or more 760 792 805 836 872 915 958 1005 1055 10853 15 Pleasure Motorcycle - Touring 1001 cc or more 718 748 761 790 824 864 905 949 996 10253 20 Pleasure Motorcycle - Touring 1001 cc or more 676 704 716 743 775 814 852 894 938 9653 25 Pleasure Motorcycle - Touring 1001 cc or more 634 660 671 697 727 763 799 838 879 9043 26 Pleasure Motorcycle - Touring 1001 cc or more 625 651 662 687 717 753 788 827 867 8923 27 Pleasure Motorcycle - Touring 1001 cc or more 617 642 653 678 707 742 777 815 856 8803 28 Pleasure Motorcycle - Touring 1001 cc or more 608 634 644 669 698 732 767 804 844 8683 29 Pleasure Motorcycle - Touring 1001 cc or more 600 625 635 660 688 722 756 793 832 8563 30 Pleasure Motorcycle - Touring 1001 cc or more 591 616 626 650 678 712 745 782 820 8443 33 Pleasure Motorcycle - Touring 1001 cc or more 566 590 600 622 649 681 714 748 785 8083 0 Pleasure Motorhome 418 480 542 608 681 744 809 888 970 982 10813 5 Pleasure Motorhome 397 456 515 578 647 707 769 844 921 933 10273 10 Pleasure Motorhome 376 432 488 547 613 670 728 799 873 884 9733 15 Pleasure Motorhome 355 408 461 517 579 632 688 755 824 835 9193 20 Pleasure Motorhome 334 384 434 486 545 595 647 710 776 786 8653 25 Pleasure Motorhome 313 360 406 456 511 558 607 666 727 736 8113 26 Pleasure Motorhome 309 355 401 450 504 551 599 657 718 727 8003 27 Pleasure Motorhome 305 350 396 444 497 543 591 648 708 717 7893 28 Pleasure Motorhome 301 346 390 438 490 536 582 639 698 707 7783 29 Pleasure Motorhome 297 341 385 432 484 528 574 630 689 697 7683 30 Pleasure Motorhome 293 336 379 426 477 521 566 622 679 687 7573 33 Pleasure Motorhome 280 322 363 407 456 498 542 595 650 658 7243 0 Pleasure Passenger Vehicle 508 540 593 620 648 676 703 729 757 781 802 814 836 857 872 893 915 937 959 981 1004 1026 1048 1071 1093 1122 1160 1197 1235 1272 1310 1334 1337 1340 1361 13803 5 Pleasure Passenger Vehicle 483 513 563 589 616 642 668 693 719 742 762 773 794 814 828 848 869 890 911 932 954 975 996 1017 1038 1066 1102 1137 1173 1208 1244 1267 1270 1273 1293 13113 10 Pleasure Passenger Vehicle 457 486 534 558 583 608 633 656 681 703 722 733 752 771 785 804 823 843 863 883 904 923 943 964 984 1010 1044 1077 1111 1145 1179 1201 1203 1206 1225 12423 15 Pleasure Passenger Vehicle 432 459 504 527 551 575 598 620 643 664 682 692 711 728 741 759 778 796 815 834 853 872 891 910 929 954 986 1017 1050 1081 1113 1134 1136 1139 1157 11733 20 Pleasure Passenger Vehicle 406 432 474 496 518 541 562 583 606 625 642 651 669 686 698 714 732 750 767 785 803 821 838 857 874 898 928 958 988 1018 1048 1067 1070 1072 1089 11043 25 Pleasure Passenger Vehicle 381 405 445 465 486 507 527 547 568 586 601 610 627 643 654 670 686 703 719 736 753 769 786 803 820 841 870 898 926 954 982 1000 1003 1005 1021 10353 26 Pleasure Passenger Vehicle 376 400 439 459 480 500 520 539 560 578 593 602 619 634 645 661 677 693 710 726 743 759 776 793 809 830 858 886 914 941 969 987 989 992 1007 10213 27 Pleasure Passenger Vehicle 371 394 433 453 473 493 513 532 553 570 585 594 610 626 637 652 668 684 700 716 733 749 765 782 798 819 847 874 902 929 956 974 976 978 994 10073 28 Pleasure Passenger Vehicle 366 389 427 446 467 487 506 525 545 562 577 586 602 617 628 643 659 675 690 706 723 739 755 771 787 808 835 862 889 916 943 960 963 965 980 9943 29 Pleasure Passenger Vehicle 361 383 421 440 460 480 499 518 537 555 569 578 594 608 619 634 650 665 681 697 713 728 744 760 776 797 824 850 877 903 930 947 949 951 966 9803 30 Pleasure Passenger Vehicle 356 378 415 434 454 473 492 510 530 547 561 570 585 600 610 625 640 656 671 687 703 718 734 750 765 785 812 838 864 890 917 934 936 938 953 9663 33 Pleasure Passenger Vehicle 340 362 397 415 434 453 471 488 507 523 537 545 560 574 584 598 613 628 643 657 673 687 702 718 732 752 777 802 827 852 878 894 896 898 912 9253 0 Pleasure Truck 4,540 kg or less GVW 339 396 410 426 443 460 475 488 504 515 535 557 573 585 604 631 643 662 681 702 724 740 761 784 802 824 848 864 882 903 921 945 966 976 990 10023 5 Pleasure Truck 4,540 kg or less GVW 322 376 389 405 421 437 451 464 479 489 508 529 544 556 574 599 611 629 647 667 688 703 723 745 762 783 806 821 838 858 875 898 918 927 940 9523 10 Pleasure Truck 4,540 kg or less GVW 305 356 369 383 399 414 427 439 454 463 481 501 516 526 544 568 579 596 613 632 652 666 685 706 722 742 763 778 794 813 829 850 869 878 891 9023 15 Pleasure Truck 4,540 kg or less GVW 288 337 348 362 377 391 404 415 428 438 455 473 487 497 513 536 547 563 579 597 615 629 647 666 682 700 721 734 750 768 783 803 821 830 841 8523 20 Pleasure Truck 4,540 kg or less GVW 271 317 328 341 354 368 380 390 403 412 428 446 458 468 483 505 514 530 545 562 579 592 609 627 642 659 678 691 706 722 737 756 773 781 792 8023 25 Pleasure Truck 4,540 kg or less GVW 254 297 307 319 332 345 356 366 378 386 401 418 430 439 453 473 482 496 511 526 543 555 571 588 601 618 636 648 661 677 691 709 724 732 742 7513 26 Pleasure Truck 4,540 kg or less GVW 251 293 303 315 328 340 351 361 373 381 396 412 424 433 447 467 476 490 504 519 536 548 563 580 593 610 628 639 653 668 682 699 715 722 733 7413 27 Pleasure Truck 4,540 kg or less GVW 247 289 299 311 323 336 347 356 368 376 391 407 418 427 441 461 469 483 497 512 529 540 556 572 585 602 619 631 644 659 672 690 705 712 723 7313 28 Pleasure Truck 4,540 kg or less GVW 244 285 295 307 319 331 342 351 363 371 385 401 413 421 435 454 463 477 490 505 521 533 548 564 577 593 611 622 635 650 663 680 696 703 713 7213 29 Pleasure Truck 4,540 kg or less GVW 241 281 291 302 315 327 337 346 358 366 380 395 407 415 429 448 457 470 484 498 514 525 540 557 569 585 602 613 626 641 654 671 686 693 703 7113 30 Pleasure Truck 4,540 kg or less GVW 237 277 287 298 310 322 332 342 353 360 374 390 401 409 423 442 450 463 477 491 507 518 533 549 561 577 594 605 617 632 645 661 676 683 693 7013 33 Pleasure Truck 4,540 kg or less GVW 227 265 275 285 297 308 318 327 338 345 358 373 384 392 405 423 431 444 456 470 485 496 510 525 537 552 568 579 591 605 617 633 647 654 663 6713 0 Police/Emergency Passenger Vehicle 691 734 806 843 882 920 956 992 1029 1063 1091 1108 1137 1166 1186 1215 1244 1275 1304 1335 1365 1396 1425 1457 1487 1527 1578 1628 1680 1731 1783 1814 1818 1823 1852 18773 0 Police/Emergency Truck 4,540 kg or less GVW 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 8853 0 Police/Emergency Truck 4,541 to 16,330 kg GVW 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 885 8853 0 Police/Emergency Truck 16,331 kg or more GVW 972 972 972 972 972 972 972 972 972 972 972 972 972 972 972 972 9723 0 Repairer 2433 0 Sand/Gravel Truck 10,891 to 16,330 kg GVW 461 503 539 582 619 666 706 743 779 821 863 906 943 991 1033 1085 10973 0 Sand/Gravel Truck 16,331 kg or more GVW 665 665 665 665 665 665 665 665 665 665 665 665 665 665 665 665 6653 0 School Bus 20 seats or less 184 200 213 223 237 248 260 271 287 299 311 324 336 3493 0 School Bus 21 to 35 seats 204 223 237 248 263 276 289 302 320 333 346 360 374 3893 0 School Bus 36 to 50 seats 232 253 269 282 299 314 328 343 363 378 393 409 425 4423 0 School Bus 51 seats or more 237 259 275 288 306 321 336 351 372 387 403 419 435 4523 0 Taxi/Livery Passenger Vehicle 49183 0 Tow Truck 4,540 kg or less GVW 486 568 587 610 634 659 681 700 722 738 767 798 821 838 866 904 921 949 976 1006 1038 1060 1091 1124 1149 1181 1215 1238 1264 1294 1320 1355 1384 1398 1418 14363 0 Tow Truck 4,541 to 16,330 kg GVW 708 774 829 895 951 1023 1085 1142 1197 1262 1327 1394 1450 1523 1587 1667 16863 0 Tow Truck 16,331 kg or more GVW 657 657 657 657 657 657 657 657 657 657 657 657 657 657 657 657 6573 0 Transit Bus 20 seats or less 520 559 600 720 812 852 891 930 986 1026 1067 1110 1153 1198

June 14, 2013 Page 40 of 56


RATING GROUPS


3 0 Transit Bus 21 to 35 seats 555 597 720 817 868 910 952 994 1054 1096 1141 1187 1233 12813 0 Transit Bus 36 to 50 seats 594 638 834 874 928 973 1018 1063 1127 1172 1220 1269 1318 13703 0 Transit Bus 51 seats or more 635 839 892 935 993 1041 1090 1138 1205 1254 1305 1358 1410 14653 0 U Drive Bus 10633 0 U Drive Moped 311 444 452 469 489 514 538 564 592 6093 0 U Drive Motorhome 8993 0 U Drive Passenger Vehicle 487 518 568 594 622 648 674 699 726 749 769 781 801 822 836 856 877 899 919 941 962 984 1005 1027 1048 1076 1112 1148 1184 1220 1257 1279 1282 1285 1305 13233 0 U Drive Truck 4,540 kg or less GVW 421 492 508 528 549 570 590 606 625 639 664 692 711 726 750 783 798 822 845 872 899 919 945 973 995 1023 1052 1073 1095 1121 1143 1173 1199 1211 1228 12443 0 U Drive Truck 4,541 to 16,330 kg GVW 321 351 376 406 431 464 492 518 543 572 602 632 658 691 720 756 7653 0 U Drive Truck 16,331 kg or more GVW 526 526 526 526 526 526 526 526 526 526 526 526 526 526 526 526 5264 0 All Purpose Mobility Vehicle 58 65 66 69 72 76 79 83 87 904 5 All Purpose Mobility Vehicle 55 62 63 66 68 72 75 79 83 854 10 All Purpose Mobility Vehicle 52 58 59 62 65 68 71 75 78 814 15 All Purpose Mobility Vehicle 49 55 56 59 61 65 67 71 74 764 20 All Purpose Mobility Vehicle 46 52 53 55 58 61 63 66 70 724 25 All Purpose Mobility Vehicle 43 49 49 52 54 57 59 62 65 674 26 All Purpose Mobility Vehicle 43 48 49 51 53 56 58 61 64 674 27 All Purpose Mobility Vehicle 42 47 48 50 53 55 58 61 64 664 28 All Purpose Mobility Vehicle 42 47 48 50 52 55 57 60 63 654 29 All Purpose Mobility Vehicle 41 46 47 49 51 54 56 59 62 644 30 All Purpose Mobility Vehicle 41 45 46 48 50 53 55 58 61 634 33 All Purpose Mobility Vehicle 39 44 44 46 48 51 53 56 58 604 0 All Purpose Moped 311 455 462 480 501 526 550 577 606 6234 5 All Purpose Moped 295 432 439 456 476 500 522 548 576 5924 10 All Purpose Moped 280 409 416 432 451 473 495 519 545 5614 15 All Purpose Moped 264 387 393 408 426 447 467 490 515 5304 20 All Purpose Moped 249 364 370 384 401 421 440 462 485 4984 25 All Purpose Moped 233 341 346 360 376 394 412 433 454 4674 26 All Purpose Moped 230 337 342 355 371 389 407 427 448 4614 27 All Purpose Moped 227 332 337 350 366 384 401 421 442 4554 28 All Purpose Moped 224 328 333 346 361 379 396 415 436 4494 29 All Purpose Moped 221 323 328 341 356 373 390 410 430 4424 30 All Purpose Moped 218 318 323 336 351 368 385 404 424 4364 33 All Purpose Moped 208 305 310 322 336 352 368 387 406 4174 0 All Purpose Motorcycle - Motorscooter 500 cc or less 311 455 462 480 501 526 550 577 606 6234 5 All Purpose Motorcycle - Motorscooter 500 cc or less 295 432 439 456 476 500 522 548 576 5924 10 All Purpose Motorcycle - Motorscooter 500 cc or less 280 409 416 432 451 473 495 519 545 5614 15 All Purpose Motorcycle - Motorscooter 500 cc or less 264 387 393 408 426 447 467 490 515 5304 20 All Purpose Motorcycle - Motorscooter 500 cc or less 249 364 370 384 401 421 440 462 485 4984 25 All Purpose Motorcycle - Motorscooter 500 cc or less 233 341 346 360 376 394 412 433 454 4674 26 All Purpose Motorcycle - Motorscooter 500 cc or less 230 337 342 355 371 389 407 427 448 4614 27 All Purpose Motorcycle - Motorscooter 500 cc or less 227 332 337 350 366 384 401 421 442 4554 28 All Purpose Motorcycle - Motorscooter 500 cc or less 224 328 333 346 361 379 396 415 436 4494 29 All Purpose Motorcycle - Motorscooter 500 cc or less 221 323 328 341 356 373 390 410 430 4424 30 All Purpose Motorcycle - Motorscooter 500 cc or less 218 318 323 336 351 368 385 404 424 4364 33 All Purpose Motorcycle - Motorscooter 500 cc or less 208 305 310 322 336 352 368 387 406 4174 0 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 456 570 579 601 628 659 690 723 759 7814 5 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 433 541 550 571 597 626 655 687 721 7424 10 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 410 513 521 541 565 593 621 651 683 7034 15 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 388 484 492 511 534 560 586 615 645 6644 20 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 365 456 463 481 502 527 552 578 607 6254 25 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 342 427 434 451 471 494 517 542 569 5864 26 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 337 422 428 445 465 488 511 535 562 5784 27 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 333 416 423 439 458 481 504 528 554 5704 28 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 328 410 417 433 452 474 497 521 546 5624 29 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 324 405 411 427 446 468 490 513 539 5554 30 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 319 399 405 421 440 461 483 506 531 5474 33 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 306 382 388 403 421 442 462 484 509 5234 0 All Purpose Motorcycle - Motorscooter 1001 cc or more 456 570 579 601 628 659 690 723 759 7814 5 All Purpose Motorcycle - Motorscooter 1001 cc or more 433 541 550 571 597 626 655 687 721 7424 10 All Purpose Motorcycle - Motorscooter 1001 cc or more 410 513 521 541 565 593 621 651 683 7034 15 All Purpose Motorcycle - Motorscooter 1001 cc or more 388 484 492 511 534 560 586 615 645 664

June 14, 2013 Page 41 of 56


RATING GROUPS


4 20 All Purpose Motorcycle - Motorscooter 1001 cc or more 365 456 463 481 502 527 552 578 607 6254 25 All Purpose Motorcycle - Motorscooter 1001 cc or more 342 427 434 451 471 494 517 542 569 5864 26 All Purpose Motorcycle - Motorscooter 1001 cc or more 337 422 428 445 465 488 511 535 562 5784 27 All Purpose Motorcycle - Motorscooter 1001 cc or more 333 416 423 439 458 481 504 528 554 5704 28 All Purpose Motorcycle - Motorscooter 1001 cc or more 328 410 417 433 452 474 497 521 546 5624 29 All Purpose Motorcycle - Motorscooter 1001 cc or more 324 405 411 427 446 468 490 513 539 5554 30 All Purpose Motorcycle - Motorscooter 1001 cc or more 319 399 405 421 440 461 483 506 531 5474 33 All Purpose Motorcycle - Motorscooter 1001 cc or more 306 382 388 403 421 442 462 484 509 5234 0 All Purpose Motorcycle - Other 500 cc or less 842 876 891 925 965 1014 1061 1113 1168 12024 5 All Purpose Motorcycle - Other 500 cc or less 800 832 846 879 917 963 1008 1057 1110 11424 10 All Purpose Motorcycle - Other 500 cc or less 758 788 802 832 868 913 955 1002 1051 10824 15 All Purpose Motorcycle - Other 500 cc or less 716 745 757 786 820 862 902 946 993 10224 20 All Purpose Motorcycle - Other 500 cc or less 674 701 713 740 772 811 849 890 934 9624 25 All Purpose Motorcycle - Other 500 cc or less 631 657 668 694 724 760 796 835 876 9014 26 All Purpose Motorcycle - Other 500 cc or less 623 648 659 684 714 750 785 824 864 8894 27 All Purpose Motorcycle - Other 500 cc or less 615 639 650 675 704 740 775 812 853 8774 28 All Purpose Motorcycle - Other 500 cc or less 606 631 642 666 695 730 764 801 841 8654 29 All Purpose Motorcycle - Other 500 cc or less 598 622 633 657 685 720 753 790 829 8534 30 All Purpose Motorcycle - Other 500 cc or less 589 613 624 647 675 710 743 779 818 8414 33 All Purpose Motorcycle - Other 500 cc or less 564 587 597 620 647 679 711 746 783 8054 0 All Purpose Motorcycle - Other 501 to 1000 cc 1094 1139 1158 1202 1255 1317 1379 1446 1517 15624 5 All Purpose Motorcycle - Other 501 to 1000 cc 1039 1082 1100 1142 1192 1251 1310 1374 1441 14844 10 All Purpose Motorcycle - Other 501 to 1000 cc 985 1025 1042 1082 1129 1185 1241 1301 1365 14064 15 All Purpose Motorcycle - Other 501 to 1000 cc 930 968 984 1022 1067 1119 1172 1229 1289 13284 20 All Purpose Motorcycle - Other 501 to 1000 cc 875 911 926 962 1004 1054 1103 1157 1214 12504 25 All Purpose Motorcycle - Other 501 to 1000 cc 820 854 868 901 941 988 1034 1084 1138 11714 26 All Purpose Motorcycle - Other 501 to 1000 cc 810 843 857 889 929 975 1020 1070 1123 11564 27 All Purpose Motorcycle - Other 501 to 1000 cc 799 831 845 877 916 961 1007 1056 1107 11404 28 All Purpose Motorcycle - Other 501 to 1000 cc 788 820 834 865 904 948 993 1041 1092 11254 29 All Purpose Motorcycle - Other 501 to 1000 cc 777 809 822 853 891 935 979 1027 1077 11094 30 All Purpose Motorcycle - Other 501 to 1000 cc 766 797 811 841 878 922 965 1012 1062 10934 33 All Purpose Motorcycle - Other 501 to 1000 cc 733 763 776 805 841 882 924 969 1016 10474 0 All Purpose Motorcycle - Other 1001 cc or more 1284 1336 1359 1411 1472 1546 1618 1696 1780 18324 5 All Purpose Motorcycle - Other 1001 cc or more 1220 1269 1291 1340 1398 1469 1537 1611 1691 17404 10 All Purpose Motorcycle - Other 1001 cc or more 1156 1202 1223 1270 1325 1391 1456 1526 1602 16494 15 All Purpose Motorcycle - Other 1001 cc or more 1091 1136 1155 1199 1251 1314 1375 1442 1513 15574 20 All Purpose Motorcycle - Other 1001 cc or more 1027 1069 1087 1129 1178 1237 1294 1357 1424 14664 25 All Purpose Motorcycle - Other 1001 cc or more 963 1002 1019 1058 1104 1159 1213 1272 1335 13744 26 All Purpose Motorcycle - Other 1001 cc or more 950 989 1006 1044 1089 1144 1197 1255 1317 13564 27 All Purpose Motorcycle - Other 1001 cc or more 937 975 992 1030 1075 1129 1181 1238 1299 13374 28 All Purpose Motorcycle - Other 1001 cc or more 924 962 978 1016 1060 1113 1165 1221 1282 13194 29 All Purpose Motorcycle - Other 1001 cc or more 912 949 965 1002 1045 1098 1149 1204 1264 13014 30 All Purpose Motorcycle - Other 1001 cc or more 899 935 951 988 1030 1082 1133 1187 1246 12824 33 All Purpose Motorcycle - Other 1001 cc or more 860 895 911 945 986 1036 1084 1136 1193 12274 0 All Purpose Motorcycle - Sport 500 cc or less 1286 1339 1361 1413 1475 1548 1621 1699 1783 18364 5 All Purpose Motorcycle - Sport 500 cc or less 1222 1272 1293 1342 1401 1471 1540 1614 1694 17444 10 All Purpose Motorcycle - Sport 500 cc or less 1157 1205 1225 1272 1327 1393 1459 1529 1605 16524 15 All Purpose Motorcycle - Sport 500 cc or less 1093 1138 1157 1201 1254 1316 1378 1444 1516 15614 20 All Purpose Motorcycle - Sport 500 cc or less 1029 1071 1089 1130 1180 1238 1297 1359 1426 14694 25 All Purpose Motorcycle - Sport 500 cc or less 964 1004 1021 1060 1106 1161 1216 1274 1337 13774 26 All Purpose Motorcycle - Sport 500 cc or less 952 991 1007 1046 1091 1146 1200 1257 1319 13594 27 All Purpose Motorcycle - Sport 500 cc or less 939 977 994 1031 1077 1130 1183 1240 1302 13404 28 All Purpose Motorcycle - Sport 500 cc or less 926 964 980 1017 1062 1115 1167 1223 1284 13224 29 All Purpose Motorcycle - Sport 500 cc or less 913 951 966 1003 1047 1099 1151 1206 1266 13044 30 All Purpose Motorcycle - Sport 500 cc or less 900 937 953 989 1032 1084 1135 1189 1248 12854 33 All Purpose Motorcycle - Sport 500 cc or less 862 897 912 947 988 1037 1086 1138 1195 12304 0 All Purpose Motorcycle - Sport 501 to 1000 cc 1712 1782 1813 1882 1963 2062 2158 2263 2375 24444 5 All Purpose Motorcycle - Sport 501 to 1000 cc 1626 1693 1722 1788 1865 1959 2050 2150 2256 23224 10 All Purpose Motorcycle - Sport 501 to 1000 cc 1541 1604 1632 1694 1767 1856 1942 2037 2137 22004 15 All Purpose Motorcycle - Sport 501 to 1000 cc 1455 1515 1541 1600 1669 1753 1834 1924 2019 20774 20 All Purpose Motorcycle - Sport 501 to 1000 cc 1370 1426 1450 1506 1570 1650 1726 1810 1900 19554 25 All Purpose Motorcycle - Sport 501 to 1000 cc 1284 1336 1360 1411 1472 1546 1618 1697 1781 1833

June 14, 2013 Page 42 of 56


RATING GROUPS


4 26 All Purpose Motorcycle - Sport 501 to 1000 cc 1267 1319 1342 1393 1453 1526 1597 1675 1757 18094 27 All Purpose Motorcycle - Sport 501 to 1000 cc 1250 1301 1323 1374 1433 1505 1575 1652 1734 17844 28 All Purpose Motorcycle - Sport 501 to 1000 cc 1233 1283 1305 1355 1413 1485 1554 1629 1710 17604 29 All Purpose Motorcycle - Sport 501 to 1000 cc 1216 1265 1287 1336 1394 1464 1532 1607 1686 17354 30 All Purpose Motorcycle - Sport 501 to 1000 cc 1198 1247 1269 1317 1374 1443 1511 1584 1662 17114 33 All Purpose Motorcycle - Sport 501 to 1000 cc 1147 1194 1215 1261 1315 1382 1446 1516 1591 16374 0 All Purpose Motorcycle - Sport 1001 cc or more 1777 1849 1881 1952 2037 2139 2239 2348 2464 25364 5 All Purpose Motorcycle - Sport 1001 cc or more 1688 1757 1787 1854 1935 2032 2127 2231 2341 24094 10 All Purpose Motorcycle - Sport 1001 cc or more 1599 1664 1693 1757 1833 1925 2015 2113 2218 22824 15 All Purpose Motorcycle - Sport 1001 cc or more 1510 1572 1599 1659 1731 1818 1903 1996 2094 21564 20 All Purpose Motorcycle - Sport 1001 cc or more 1422 1479 1505 1562 1630 1711 1791 1878 1971 20294 25 All Purpose Motorcycle - Sport 1001 cc or more 1333 1387 1411 1464 1528 1604 1679 1761 1848 19024 26 All Purpose Motorcycle - Sport 1001 cc or more 1315 1368 1392 1444 1507 1583 1657 1738 1823 18774 27 All Purpose Motorcycle - Sport 1001 cc or more 1297 1350 1373 1425 1487 1561 1634 1714 1799 18514 28 All Purpose Motorcycle - Sport 1001 cc or more 1279 1331 1354 1405 1467 1540 1612 1691 1774 18264 29 All Purpose Motorcycle - Sport 1001 cc or more 1262 1313 1336 1386 1446 1519 1590 1667 1749 18014 30 All Purpose Motorcycle - Sport 1001 cc or more 1244 1294 1317 1366 1426 1497 1567 1644 1725 17754 33 All Purpose Motorcycle - Sport 1001 cc or more 1191 1239 1260 1308 1365 1433 1500 1573 1651 16994 0 All Purpose Motorcycle - Sport Touring 500 cc or less 896 933 949 985 1028 1079 1129 1184 1243 12794 5 All Purpose Motorcycle - Sport Touring 500 cc or less 851 886 902 936 977 1025 1073 1125 1181 12154 10 All Purpose Motorcycle - Sport Touring 500 cc or less 806 840 854 886 925 971 1016 1066 1119 11514 15 All Purpose Motorcycle - Sport Touring 500 cc or less 762 793 807 837 874 917 960 1006 1057 10874 20 All Purpose Motorcycle - Sport Touring 500 cc or less 717 746 759 788 822 863 903 947 994 10234 25 All Purpose Motorcycle - Sport Touring 500 cc or less 672 700 712 739 771 809 847 888 932 9594 26 All Purpose Motorcycle - Sport Touring 500 cc or less 663 690 702 729 761 798 835 876 920 9464 27 All Purpose Motorcycle - Sport Touring 500 cc or less 654 681 693 719 750 788 824 864 907 9344 28 All Purpose Motorcycle - Sport Touring 500 cc or less 645 672 683 709 740 777 813 852 895 9214 29 All Purpose Motorcycle - Sport Touring 500 cc or less 636 662 674 699 730 766 802 841 883 9084 30 All Purpose Motorcycle - Sport Touring 500 cc or less 627 653 664 689 720 755 790 829 870 8954 33 All Purpose Motorcycle - Sport Touring 500 cc or less 600 625 636 660 689 723 756 793 833 8574 0 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1229 1279 1301 1351 1409 1480 1549 1624 1705 17554 5 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1168 1215 1236 1283 1339 1406 1472 1543 1620 16674 10 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1106 1151 1171 1216 1268 1332 1394 1462 1534 15794 15 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1045 1087 1106 1148 1198 1258 1317 1380 1449 14924 20 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 983 1023 1041 1081 1127 1184 1239 1299 1364 14044 25 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 922 959 976 1013 1057 1110 1162 1218 1279 13164 26 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 909 946 963 1000 1043 1095 1146 1202 1262 12994 27 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 897 934 950 986 1029 1080 1131 1186 1245 12814 28 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 885 921 937 973 1014 1066 1115 1169 1228 12644 29 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 873 908 924 959 1000 1051 1100 1153 1211 12464 30 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 860 895 911 946 986 1036 1084 1137 1193 12284 33 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 823 857 872 905 944 992 1038 1088 1142 11764 0 All Purpose Motorcycle - Sport Touring 1001 cc or more 1375 1431 1455 1511 1576 1655 1732 1816 1907 19624 5 All Purpose Motorcycle - Sport Touring 1001 cc or more 1306 1359 1382 1435 1497 1572 1645 1725 1812 18644 10 All Purpose Motorcycle - Sport Touring 1001 cc or more 1237 1288 1309 1360 1418 1489 1559 1634 1716 17664 15 All Purpose Motorcycle - Sport Touring 1001 cc or more 1169 1216 1237 1284 1340 1407 1472 1544 1621 16684 20 All Purpose Motorcycle - Sport Touring 1001 cc or more 1100 1145 1164 1209 1261 1324 1386 1453 1526 15704 25 All Purpose Motorcycle - Sport Touring 1001 cc or more 1031 1073 1091 1133 1182 1241 1299 1362 1430 14714 26 All Purpose Motorcycle - Sport Touring 1001 cc or more 1017 1059 1077 1118 1166 1225 1282 1344 1411 14524 27 All Purpose Motorcycle - Sport Touring 1001 cc or more 1004 1045 1062 1103 1150 1208 1264 1326 1392 14324 28 All Purpose Motorcycle - Sport Touring 1001 cc or more 990 1030 1048 1088 1135 1192 1247 1308 1373 14134 29 All Purpose Motorcycle - Sport Touring 1001 cc or more 976 1016 1033 1073 1119 1175 1230 1289 1354 13934 30 All Purpose Motorcycle - Sport Touring 1001 cc or more 962 1002 1018 1058 1103 1158 1212 1271 1335 13734 33 All Purpose Motorcycle - Sport Touring 1001 cc or more 921 959 975 1012 1056 1109 1160 1217 1278 13154 0 All Purpose Motorcycle - Touring 500 cc or less 735 765 778 808 843 885 927 971 1020 10504 5 All Purpose Motorcycle - Touring 500 cc or less 698 727 739 768 801 841 881 922 969 9974 10 All Purpose Motorcycle - Touring 500 cc or less 661 688 700 727 759 796 834 874 918 9454 15 All Purpose Motorcycle - Touring 500 cc or less 625 650 661 687 717 752 788 825 867 8924 20 All Purpose Motorcycle - Touring 500 cc or less 588 612 622 646 674 708 742 777 816 8404 25 All Purpose Motorcycle - Touring 500 cc or less 551 574 583 606 632 664 695 728 765 7874 26 All Purpose Motorcycle - Touring 500 cc or less 544 566 576 598 624 655 686 719 755 7774 27 All Purpose Motorcycle - Touring 500 cc or less 537 558 568 590 615 646 677 709 745 766

June 14, 2013 Page 43 of 56


RATING GROUPS


4 28 All Purpose Motorcycle - Touring 500 cc or less 529 551 560 582 607 637 667 699 734 7564 29 All Purpose Motorcycle - Touring 500 cc or less 522 543 552 574 599 628 658 689 724 7454 30 All Purpose Motorcycle - Touring 500 cc or less 514 535 545 566 590 619 649 680 714 7354 33 All Purpose Motorcycle - Touring 500 cc or less 492 513 521 541 565 593 621 651 683 7034 0 All Purpose Motorcycle - Touring 501 to 1000 cc 1126 1172 1191 1237 1291 1355 1418 1487 1561 16074 5 All Purpose Motorcycle - Touring 501 to 1000 cc 1070 1113 1131 1175 1226 1287 1347 1413 1483 15274 10 All Purpose Motorcycle - Touring 501 to 1000 cc 1013 1055 1072 1113 1162 1219 1276 1338 1405 14464 15 All Purpose Motorcycle - Touring 501 to 1000 cc 957 996 1012 1051 1097 1152 1205 1264 1327 13664 20 All Purpose Motorcycle - Touring 501 to 1000 cc 901 938 953 990 1033 1084 1134 1190 1249 12864 25 All Purpose Motorcycle - Touring 501 to 1000 cc 844 879 893 928 968 1016 1063 1115 1171 12054 26 All Purpose Motorcycle - Touring 501 to 1000 cc 833 867 881 915 955 1003 1049 1100 1155 11894 27 All Purpose Motorcycle - Touring 501 to 1000 cc 822 856 869 903 942 989 1035 1086 1140 11734 28 All Purpose Motorcycle - Touring 501 to 1000 cc 811 844 858 891 930 976 1021 1071 1124 11574 29 All Purpose Motorcycle - Touring 501 to 1000 cc 799 832 846 878 917 962 1007 1056 1108 11414 30 All Purpose Motorcycle - Touring 501 to 1000 cc 788 820 834 866 904 948 993 1041 1093 11254 33 All Purpose Motorcycle - Touring 501 to 1000 cc 754 785 798 829 865 908 950 996 1046 10774 0 All Purpose Motorcycle - Touring 1001 cc or more 1157 1204 1225 1271 1327 1393 1458 1529 1605 16524 5 All Purpose Motorcycle - Touring 1001 cc or more 1099 1144 1164 1207 1261 1323 1385 1453 1525 15694 10 All Purpose Motorcycle - Touring 1001 cc or more 1041 1084 1102 1144 1194 1254 1312 1376 1444 14874 15 All Purpose Motorcycle - Touring 1001 cc or more 983 1023 1041 1080 1128 1184 1239 1300 1364 14044 20 All Purpose Motorcycle - Touring 1001 cc or more 926 963 980 1017 1062 1114 1166 1223 1284 13224 25 All Purpose Motorcycle - Touring 1001 cc or more 868 903 919 953 995 1045 1093 1147 1204 12394 26 All Purpose Motorcycle - Touring 1001 cc or more 856 891 906 941 982 1031 1079 1131 1188 12224 27 All Purpose Motorcycle - Touring 1001 cc or more 845 879 894 928 969 1017 1064 1116 1172 12064 28 All Purpose Motorcycle - Touring 1001 cc or more 833 867 882 915 955 1003 1050 1101 1156 11894 29 All Purpose Motorcycle - Touring 1001 cc or more 821 855 870 902 942 989 1035 1086 1140 11734 30 All Purpose Motorcycle - Touring 1001 cc or more 810 843 857 890 929 975 1021 1070 1123 11564 33 All Purpose Motorcycle - Touring 1001 cc or more 775 807 821 852 889 933 977 1024 1075 11074 0 All Purpose Motorhome 492 564 637 714 800 874 951 1043 1140 1154 12704 5 All Purpose Motorhome 467 536 605 678 760 830 903 991 1083 1096 12064 10 All Purpose Motorhome 443 508 573 643 720 787 856 939 1026 1039 11434 15 All Purpose Motorhome 418 479 541 607 680 743 808 887 969 981 10794 20 All Purpose Motorhome 394 451 510 571 640 699 761 834 912 923 10164 25 All Purpose Motorhome 369 423 478 535 600 655 713 782 855 865 9524 26 All Purpose Motorhome 364 417 471 528 592 647 704 772 844 854 9404 27 All Purpose Motorhome 359 412 465 521 584 638 694 761 832 842 9274 28 All Purpose Motorhome 354 406 459 514 576 629 685 751 821 831 9144 29 All Purpose Motorhome 349 400 452 507 568 621 675 741 809 819 9024 30 All Purpose Motorhome 344 395 446 500 560 612 666 730 798 808 8894 33 All Purpose Motorhome 330 378 427 478 536 586 637 699 764 773 8514 0 All Purpose Passenger Vehicle 642 682 749 784 820 855 888 922 957 988 1014 1029 1057 1083 1102 1129 1156 1185 1212 1240 1269 1297 1325 1354 1382 1419 1466 1513 1561 1608 1657 1686 1690 1694 1721 17444 5 All Purpose Passenger Vehicle 610 648 712 745 779 812 844 876 909 939 963 978 1004 1029 1047 1073 1098 1126 1151 1178 1206 1232 1259 1286 1313 1348 1393 1437 1483 1528 1574 1602 1605 1609 1635 16574 10 All Purpose Passenger Vehicle 578 614 674 706 738 769 799 830 861 889 913 926 951 975 992 1016 1040 1066 1091 1116 1142 1167 1192 1219 1244 1277 1319 1362 1405 1447 1491 1517 1521 1525 1549 15704 15 All Purpose Passenger Vehicle 546 580 637 666 697 727 755 784 813 840 862 875 898 921 937 960 983 1007 1030 1054 1079 1102 1126 1151 1175 1206 1246 1286 1327 1367 1408 1433 1436 1440 1463 14824 20 All Purpose Passenger Vehicle 514 546 599 627 656 684 710 738 766 790 811 823 846 866 882 903 925 948 970 992 1015 1038 1060 1083 1106 1135 1173 1210 1249 1286 1326 1349 1352 1355 1377 13954 25 All Purpose Passenger Vehicle 481 511 562 588 615 641 666 691 718 741 760 772 793 812 826 847 867 889 909 930 952 973 994 1015 1036 1064 1099 1135 1171 1206 1243 1264 1267 1270 1291 13084 26 All Purpose Passenger Vehicle 475 505 554 580 607 633 657 682 708 731 750 761 782 801 815 835 855 877 897 918 939 960 980 1002 1023 1050 1085 1120 1155 1190 1226 1248 1251 1254 1274 12914 27 All Purpose Passenger Vehicle 469 498 547 572 599 624 648 673 699 721 740 751 772 791 804 824 844 865 885 905 926 947 967 988 1009 1036 1070 1104 1140 1174 1210 1231 1234 1237 1256 12734 28 All Purpose Passenger Vehicle 462 491 539 564 590 616 639 664 689 711 730 741 761 780 793 813 832 853 873 893 914 934 954 975 995 1022 1056 1089 1124 1158 1193 1214 1217 1220 1239 12564 29 All Purpose Passenger Vehicle 456 484 532 557 582 607 630 655 679 701 720 731 750 769 782 802 821 841 861 880 901 921 941 961 981 1007 1041 1074 1108 1142 1176 1197 1200 1203 1222 12384 30 All Purpose Passenger Vehicle 449 477 524 549 574 598 622 645 670 692 710 720 740 758 771 790 809 829 848 868 888 908 927 948 967 993 1026 1059 1093 1126 1160 1180 1183 1186 1205 12214 33 All Purpose Passenger Vehicle 430 457 502 525 549 573 595 618 641 662 679 689 708 726 738 756 775 794 812 831 850 869 888 907 926 951 982 1014 1046 1077 1110 1130 1132 1135 1153 11684 0 All Purpose Snow Vehicle (HTA) 2974 0 All Purpose Trailer $2500 or less 44 0 All Purpose Trailer $2501 or more 20 46 71 95 127 148 157 168 175 182 189 196 2034 0 All Purpose Truck 4,540 kg or less GVW 488 570 589 612 637 661 683 702 724 741 770 801 824 841 869 907 924 953 979 1010 1042 1064 1095 1128 1153 1185 1219 1243 1269 1299 1325 1359 1389 1403 1423 14424 5 All Purpose Truck 4,540 kg or less GVW 464 541 560 581 605 628 649 667 688 704 731 761 783 799 826 862 878 905 930 959 990 1011 1040 1072 1095 1126 1158 1181 1206 1234 1259 1291 1320 1333 1352 13704 10 All Purpose Truck 4,540 kg or less GVW 439 513 530 551 573 595 615 632 652 667 693 721 742 757 782 816 832 858 881 909 938 958 985 1015 1038 1066 1097 1119 1142 1169 1192 1223 1250 1263 1281 12984 15 All Purpose Truck 4,540 kg or less GVW 415 484 501 520 541 562 581 597 615 630 654 681 700 715 739 771 785 810 832 858 886 904 931 959 980 1007 1036 1057 1079 1104 1126 1155 1181 1193 1210 12264 20 All Purpose Truck 4,540 kg or less GVW 390 456 471 490 510 529 546 562 579 593 616 641 659 673 695 726 739 762 783 808 834 851 876 902 922 948 975 994 1015 1039 1060 1087 1111 1122 1138 11544 25 All Purpose Truck 4,540 kg or less GVW 366 427 442 459 478 496 512 526 543 556 577 601 618 631 652 680 693 715 734 757 781 798 821 846 865 889 914 932 952 974 994 1019 1042 1052 1067 10814 26 All Purpose Truck 4,540 kg or less GVW 361 422 436 453 471 489 505 519 536 548 570 593 610 622 643 671 684 705 724 747 771 787 810 835 853 877 902 920 939 961 980 1006 1028 1038 1053 1067

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RATING GROUPS


4 27 All Purpose Truck 4,540 kg or less GVW 356 416 430 447 465 483 499 512 529 541 562 585 602 614 634 662 675 696 715 737 761 777 799 823 842 865 890 907 926 948 967 992 1014 1024 1039 10534 28 All Purpose Truck 4,540 kg or less GVW 351 410 424 441 459 476 492 505 521 534 554 577 593 606 626 653 665 686 705 727 750 766 788 812 830 853 878 895 914 935 954 978 1000 1010 1025 10384 29 All Purpose Truck 4,540 kg or less GVW 346 405 418 435 452 469 485 498 514 526 547 569 585 597 617 644 656 677 695 717 740 755 777 801 819 841 865 883 901 922 941 965 986 996 1010 10244 30 All Purpose Truck 4,540 kg or less GVW 342 399 412 428 446 463 478 491 507 519 539 561 577 589 608 635 647 667 685 707 729 745 766 790 807 829 853 870 888 909 927 951 972 982 996 10094 33 All Purpose Truck 4,540 kg or less GVW 327 382 395 410 427 443 458 470 485 496 516 537 552 563 582 608 619 639 656 677 698 713 734 756 773 794 817 833 850 870 888 911 931 940 953 9664 0 Antique Vehicle - Bus 994 0 Antique Vehicle - Motorcycle 994 0 Antique Vehicle - Passenger Vehicle 994 0 Antique Vehicle - Truck 994 0 Artisan Truck 4,540 kg or less GVW 353 413 426 443 461 479 494 508 524 536 557 580 596 609 629 657 669 690 709 731 754 770 792 816 835 858 882 900 918 940 959 984 1005 1016 1030 10444 5 Artisan Truck 4,540 kg or less GVW 335 392 405 421 438 455 469 483 498 509 529 551 566 579 598 624 636 655 674 694 716 731 752 775 793 815 838 855 872 893 911 935 955 965 978 9924 10 Artisan Truck 4,540 kg or less GVW 318 372 383 399 415 431 445 457 472 482 501 522 536 548 566 591 602 621 638 658 679 693 713 734 751 772 794 810 826 846 863 886 904 914 927 9404 15 Artisan Truck 4,540 kg or less GVW 300 351 362 377 392 407 420 432 445 456 473 493 507 518 535 558 569 586 603 621 641 654 673 694 710 729 750 765 780 799 815 836 854 864 875 8874 20 Artisan Truck 4,540 kg or less GVW 282 330 341 354 369 383 395 406 419 429 446 464 477 487 503 526 535 552 567 585 603 616 634 653 668 686 706 720 734 752 767 787 804 813 824 8354 25 Artisan Truck 4,540 kg or less GVW 265 310 319 332 346 359 370 381 393 402 418 435 447 457 472 493 502 517 532 548 565 577 594 612 626 643 661 675 688 705 719 738 754 762 772 7834 26 Artisan Truck 4,540 kg or less GVW 261 306 315 328 341 354 366 376 388 397 412 429 441 451 465 486 495 511 525 541 558 570 586 604 618 635 653 666 679 696 710 728 744 752 762 7734 27 Artisan Truck 4,540 kg or less GVW 258 301 311 323 337 350 361 371 383 391 407 423 435 445 459 480 488 504 518 534 550 562 578 596 610 626 644 657 670 686 700 718 734 742 752 7624 28 Artisan Truck 4,540 kg or less GVW 254 297 307 319 332 345 356 366 377 386 401 418 429 438 453 473 482 497 510 526 543 554 570 588 601 618 635 648 661 677 690 708 724 732 742 7524 29 Artisan Truck 4,540 kg or less GVW 251 293 302 315 327 340 351 361 372 381 395 412 423 432 447 466 475 490 503 519 535 547 562 579 593 609 626 639 652 667 681 699 714 721 731 7414 30 Artisan Truck 4,540 kg or less GVW 247 289 298 310 323 335 346 356 367 375 390 406 417 426 440 460 468 483 496 512 528 539 554 571 584 601 617 630 643 658 671 689 703 711 721 7314 33 Artisan Truck 4,540 kg or less GVW 237 277 285 297 309 321 331 340 351 359 373 389 399 408 421 440 448 462 475 490 505 516 531 547 559 575 591 603 615 630 643 659 673 681 690 6994 0 Artisan Truck 4,541 to 16,330 kg GVW 421 460 493 532 566 609 646 679 712 751 789 829 863 906 944 992 10034 5 Artisan Truck 4,541 to 16,330 kg GVW 400 437 468 505 538 579 614 645 676 713 750 788 820 861 897 942 9534 10 Artisan Truck 4,541 to 16,330 kg GVW 379 414 444 479 509 548 581 611 641 676 710 746 777 815 850 893 9034 15 Artisan Truck 4,541 to 16,330 kg GVW 358 391 419 452 481 518 549 577 605 638 671 705 734 770 802 843 8534 20 Artisan Truck 4,541 to 16,330 kg GVW 337 368 394 426 453 487 517 543 570 601 631 663 690 725 755 794 8024 25 Artisan Truck 4,541 to 16,330 kg GVW 316 345 370 399 424 457 484 509 534 563 592 622 647 679 708 744 7524 26 Artisan Truck 4,541 to 16,330 kg GVW 312 340 365 394 419 451 478 502 527 556 584 613 639 670 699 734 7424 27 Artisan Truck 4,541 to 16,330 kg GVW 307 336 360 388 413 445 472 496 520 548 576 605 630 661 689 724 7324 28 Artisan Truck 4,541 to 16,330 kg GVW 303 331 355 383 408 438 465 489 513 541 568 597 621 652 680 714 7224 29 Artisan Truck 4,541 to 16,330 kg GVW 299 327 350 378 402 432 459 482 506 533 560 589 613 643 670 704 7124 30 Artisan Truck 4,541 to 16,330 kg GVW 295 322 345 372 396 426 452 475 498 526 552 580 604 634 661 694 7024 33 Artisan Truck 4,541 to 16,330 kg GVW 282 308 330 356 379 408 433 455 477 503 529 555 578 607 632 665 6724 0 Artisan Truck 16,331 kg or more GVW 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 264 2644 0 Cement/Brick/Exploration Truck 10,891 to 16,330 kg GVW 322 351 377 406 432 465 493 519 544 573 602 633 659 692 721 757 7664 0 Cement/Brick/Exploration Truck 16,331 kg or more GVW 493 493 493 493 493 493 493 493 493 493 493 493 493 493 493 493 4934 0 Charter Bus Local 20 seats or less 335 360 385 410 434 461 484 511 534 556 576 600 625 6484 0 Charter Bus Local 21 to 35 seats 415 437 454 473 494 517 535 557 576 598 624 647 676 7004 0 Charter Bus Local 36 to 50 seats 503 520 532 546 561 575 590 605 623 647 674 700 728 7594 0 Charter Bus Local 51 seats or more 563 576 588 604 616 629 644 657 667 694 719 749 780 8124 0 Common Carrier Bus Over 161 km outside MB 5754 0 Common Carrier Bus Within MB 15924 0 Common Carrier Local Passenger Vehicle 666 708 777 813 850 886 921 956 992 1024 1052 1067 1096 1123 1143 1171 1199 1228 1257 1286 1316 1345 1374 1404 1433 1471 1520 1569 1619 1668 1718 1748 1752 1756 1784 18094 5 Common Carrier Local Passenger Vehicle 633 673 738 772 807 842 875 908 942 973 999 1014 1041 1067 1086 1112 1139 1167 1194 1222 1250 1278 1305 1334 1361 1397 1444 1491 1538 1585 1632 1661 1664 1668 1695 17194 10 Common Carrier Local Passenger Vehicle 599 637 699 732 765 797 829 860 893 922 947 960 986 1011 1029 1054 1079 1105 1131 1157 1184 1210 1237 1264 1290 1324 1368 1412 1457 1501 1546 1573 1577 1580 1606 16284 15 Common Carrier Local Passenger Vehicle 566 602 660 691 722 753 783 813 843 870 894 907 932 955 972 995 1019 1044 1068 1093 1119 1143 1168 1193 1218 1250 1292 1334 1376 1418 1460 1486 1489 1493 1516 15384 20 Common Carrier Local Passenger Vehicle 533 566 622 650 680 709 737 765 794 819 842 854 877 898 914 937 959 982 1006 1029 1053 1076 1099 1123 1146 1177 1216 1255 1295 1334 1374 1398 1402 1405 1427 14474 25 Common Carrier Local Passenger Vehicle 499 531 583 610 637 664 691 717 744 768 789 800 822 842 857 878 899 921 943 964 987 1009 1030 1053 1075 1103 1140 1177 1214 1251 1288 1311 1314 1317 1338 13574 26 Common Carrier Local Passenger Vehicle 493 524 575 602 629 656 682 707 734 758 778 790 811 831 846 867 887 909 930 952 974 995 1017 1039 1060 1089 1125 1161 1198 1234 1271 1294 1296 1299 1320 13394 27 Common Carrier Local Passenger Vehicle 486 517 567 593 620 647 672 698 724 748 768 779 800 820 834 855 875 896 918 939 961 982 1003 1025 1046 1074 1110 1145 1182 1218 1254 1276 1279 1282 1302 13214 28 Common Carrier Local Passenger Vehicle 480 510 559 585 612 638 663 688 714 737 757 768 789 809 823 843 863 884 905 926 948 968 989 1011 1032 1059 1094 1130 1166 1201 1237 1259 1261 1264 1284 13024 29 Common Carrier Local Passenger Vehicle 473 503 552 577 603 629 654 679 704 727 747 758 778 797 812 831 851 872 892 913 934 955 976 997 1017 1044 1079 1114 1149 1184 1220 1241 1244 1247 1267 12844 30 Common Carrier Local Passenger Vehicle 466 496 544 569 595 620 645 669 694 717 736 747 767 786 800 820 839 860 880 900 921 941 962 983 1003 1030 1064 1098 1133 1168 1203 1224 1226 1229 1249 12664 33 Common Carrier Local Passenger Vehicle 446 474 521 545 569 594 617 641 665 686 705 715 734 752 766 785 803 823 842 862 882 901 921 941 960 986 1018 1051 1085 1118 1151 1171 1174 1177 1195 12124 0 Common Carrier Passenger Vehicle Over 161 km in MB 900 957 1051 1099 1149 1199 1245 1293 1341 1385 1422 1443 1482 1519 1546 1583 1621 1661 1699 1739 1779 1819 1857 1898 1938 1989 2056 2122 2189 2255 2323 2364 2370 2375 2413 24464 0 Common Carrier Passenger Vehicle Within 161 km in MB 851 904 993 1038 1086 1133 1177 1222 1268 1309 1344 1364 1400 1435 1461 1496 1532 1570 1606 1644 1681 1719 1755 1794 1831 1880 1943 2005 2069 2131 2195 2234 2239 2244 2280 23114 5 Common Carrier Passenger Vehicle Within 161 km in MB 808 859 943 986 1032 1076 1118 1161 1205 1244 1277 1296 1330 1363 1388 1421 1455 1491 1526 1562 1597 1633 1667 1704 1739 1786 1846 1905 1966 2024 2085 2122 2127 2132 2166 21954 10 Common Carrier Passenger Vehicle Within 161 km in MB 766 814 894 934 977 1020 1059 1100 1141 1178 1210 1228 1260 1291 1315 1346 1379 1413 1445 1480 1513 1547 1579 1615 1648 1692 1749 1804 1862 1918 1975 2011 2015 2020 2052 20804 15 Common Carrier Passenger Vehicle Within 161 km in MB 723 768 844 882 923 963 1000 1039 1078 1113 1142 1159 1190 1220 1242 1272 1302 1334 1365 1397 1429 1461 1492 1525 1556 1598 1652 1704 1759 1811 1866 1899 1903 1907 1938 19644 20 Common Carrier Passenger Vehicle Within 161 km in MB 681 723 794 830 869 906 942 978 1014 1047 1075 1091 1120 1148 1169 1197 1226 1256 1285 1315 1345 1375 1404 1435 1465 1504 1554 1604 1655 1705 1756 1787 1791 1795 1824 18494 25 Common Carrier Passenger Vehicle Within 161 km in MB 638 678 745 778 814 850 883 916 951 982 1008 1023 1050 1076 1096 1122 1149 1177 1204 1233 1261 1289 1316 1345 1373 1410 1457 1504 1552 1598 1646 1675 1679 1683 1710 17334 26 Common Carrier Passenger Vehicle Within 161 km in MB 630 669 735 768 804 838 871 904 938 969 995 1009 1036 1062 1081 1107 1134 1162 1188 1217 1244 1272 1299 1328 1355 1391 1438 1484 1531 1577 1624 1653 1657 1661 1687 1710

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RATING GROUPS


4 27 Common Carrier Passenger Vehicle Within 161 km in MB 621 660 725 758 793 827 859 892 926 956 981 996 1022 1048 1067 1092 1118 1146 1172 1200 1227 1255 1281 1310 1337 1372 1418 1464 1510 1556 1602 1631 1634 1638 1664 16874 28 Common Carrier Passenger Vehicle Within 161 km in MB 613 651 715 747 782 816 847 880 913 942 968 982 1008 1033 1052 1077 1103 1130 1156 1184 1210 1238 1264 1292 1318 1354 1399 1444 1490 1534 1580 1608 1612 1616 1642 16644 29 Common Carrier Passenger Vehicle Within 161 km in MB 604 642 705 737 771 804 836 868 900 929 954 968 994 1019 1037 1062 1088 1115 1140 1167 1194 1220 1246 1274 1300 1335 1380 1424 1469 1513 1558 1586 1590 1593 1619 16414 30 Common Carrier Passenger Vehicle Within 161 km in MB 596 633 695 727 760 793 824 855 888 916 941 955 980 1004 1023 1047 1072 1099 1124 1151 1177 1203 1228 1256 1282 1316 1360 1403 1448 1492 1536 1564 1567 1571 1596 16184 33 Common Carrier Passenger Vehicle Within 161 km in MB 570 606 665 695 728 759 789 819 850 877 900 914 938 961 979 1002 1026 1052 1076 1101 1126 1152 1176 1202 1227 1260 1302 1343 1386 1428 1471 1497 1500 1503 1528 15484 0 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 537 628 649 674 701 728 753 773 798 816 848 883 907 927 957 1000 1018 1049 1079 1113 1147 1172 1206 1242 1271 1306 1343 1369 1397 1431 1459 1498 1530 1546 1568 15884 5 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 510 597 617 640 666 692 715 734 758 775 806 839 862 881 909 950 967 997 1025 1057 1090 1113 1146 1180 1207 1241 1276 1301 1327 1359 1386 1423 1453 1469 1490 15094 10 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 483 565 584 607 631 655 678 696 718 734 763 795 816 834 861 900 916 944 971 1002 1032 1055 1085 1118 1144 1175 1209 1232 1257 1288 1313 1348 1377 1391 1411 14294 15 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 456 534 552 573 596 619 640 657 678 694 721 751 771 788 813 850 865 892 917 946 975 996 1025 1056 1080 1110 1142 1164 1187 1216 1240 1273 1300 1314 1333 13504 20 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 430 502 519 539 561 582 602 618 638 653 678 706 726 742 766 800 814 839 863 890 918 938 965 994 1017 1045 1074 1095 1118 1145 1167 1198 1224 1237 1254 12704 25 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 403 471 487 505 526 546 565 580 598 612 636 662 680 695 718 750 763 787 809 835 860 879 904 931 953 979 1007 1027 1048 1073 1094 1123 1147 1159 1176 11914 26 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 397 465 480 499 519 539 557 572 591 604 628 653 671 686 708 740 753 776 798 824 849 867 892 919 941 966 994 1013 1034 1059 1080 1109 1132 1144 1160 11754 27 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 392 458 474 492 512 531 550 564 583 596 619 645 662 677 699 730 743 766 788 812 837 856 880 907 928 953 980 999 1020 1045 1065 1094 1117 1129 1145 11594 28 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 387 452 467 485 505 524 542 557 575 588 611 636 653 667 689 720 733 755 777 801 826 844 868 894 915 940 967 986 1006 1030 1050 1079 1102 1113 1129 11434 29 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 381 446 461 479 498 517 535 549 567 579 602 627 644 658 679 710 723 745 766 790 814 832 856 882 902 927 954 972 992 1016 1036 1064 1086 1098 1113 11274 30 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 376 440 454 472 491 510 527 541 559 571 594 618 635 649 670 700 713 734 755 779 803 820 844 869 890 914 940 958 978 1002 1021 1049 1071 1082 1098 11124 33 Common Carrier Truck Local Within City or Mun. 4,540 kg or less GVW 360 421 435 452 470 488 505 518 535 547 568 592 608 621 641 670 682 703 723 746 768 785 808 832 852 875 900 917 936 959 978 1004 1025 1036 1051 10644 0 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 692 757 811 875 930 1001 1061 1117 1170 1234 1297 1363 1418 1490 1552 1631 16494 5 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 657 719 770 831 883 951 1008 1061 1111 1172 1232 1295 1347 1415 1474 1549 15674 10 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 623 681 730 787 837 901 955 1005 1053 1111 1167 1227 1276 1341 1397 1468 14844 15 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 588 643 689 744 790 851 902 949 994 1049 1102 1159 1205 1266 1319 1386 14024 20 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 554 606 649 700 744 801 849 894 936 987 1038 1090 1134 1192 1242 1305 13194 25 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 519 568 608 656 697 751 796 838 877 925 973 1022 1063 1117 1164 1223 12374 26 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 512 560 600 647 688 741 785 827 866 913 960 1009 1049 1103 1148 1207 12204 27 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 505 553 592 639 679 731 775 815 854 901 947 995 1035 1088 1133 1191 12044 28 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 498 545 584 630 670 721 764 804 842 888 934 981 1021 1073 1117 1174 11874 29 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 491 537 576 621 660 711 753 793 831 876 921 968 1007 1058 1102 1158 11714 30 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 484 530 568 612 651 701 743 782 819 864 908 954 993 1043 1086 1142 11544 33 Common Carrier Truck Local Within City or Mun. 4,541 to 16,330 kg GVW 464 507 543 586 623 671 711 748 784 827 869 913 950 998 1040 1093 11054 0 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 746 746 746 746 746 746 746 746 746 746 746 746 746 746 746 746 7464 5 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 709 709 709 709 709 709 709 709 709 709 709 709 709 709 709 709 7094 10 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 671 671 671 671 671 671 671 671 671 671 671 671 671 671 671 671 6714 15 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 634 634 634 634 634 634 634 634 634 634 634 634 634 634 634 634 6344 20 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 597 597 597 597 597 597 597 597 597 597 597 597 597 597 597 597 5974 25 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 559 559 559 559 559 559 559 559 559 559 559 559 559 559 559 559 5594 26 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 552 552 552 552 552 552 552 552 552 552 552 552 552 552 552 552 5524 27 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 545 545 545 545 545 545 545 545 545 545 545 545 545 545 545 545 5454 28 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 537 537 537 537 537 537 537 537 537 537 537 537 537 537 537 537 5374 29 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 530 530 530 530 530 530 530 530 530 530 530 530 530 530 530 530 5304 30 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 522 522 522 522 522 522 522 522 522 522 522 522 522 522 522 522 5224 33 Common Carrier Truck Local Within City or Mun. 16,331 kg or more GVW 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 500 5004 0 Common Carrier Truck Over 161 km in MB 4,540 kg or less GVW 587 686 709 737 766 795 822 845 871 891 926 964 991 1012 1045 1092 1112 1146 1178 1215 1253 1280 1317 1357 1387 1426 1466 1495 1526 1562 1594 1635 1671 1688 1712 17344 0 Common Carrier Truck Over 161 km in MB 4,541 to 16,330 kg GVW 1534 1676 1797 1938 2062 2217 2352 2475 2593 2735 2874 3019 3143 3300 3440 3613 36544 0 Common Carrier Truck Over 161 km in MB 16,331 kg or more GVW 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 2089 20894 0 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 364 426 440 457 476 494 510 524 541 553 575 599 615 628 649 678 690 711 731 754 778 795 818 842 861 885 910 928 947 970 989 1015 1037 1048 1063 10774 5 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 346 405 418 434 452 469 484 498 514 525 546 569 584 597 617 644 655 675 694 716 739 755 777 800 818 841 864 882 900 921 940 964 985 996 1010 10234 10 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 328 383 396 411 428 445 459 472 487 498 517 539 553 565 584 610 621 640 658 679 700 715 736 758 775 796 819 835 852 873 890 913 933 943 957 9694 15 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 309 362 374 388 405 420 433 445 460 470 489 509 523 534 552 576 586 604 621 641 661 676 695 716 732 752 773 789 805 824 841 863 881 891 904 9154 20 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 291 341 352 366 381 395 408 419 433 442 460 479 492 502 519 542 552 569 585 603 622 636 654 674 689 708 728 742 758 776 791 812 830 838 850 8624 25 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 273 319 330 343 357 370 382 393 406 415 431 449 461 471 487 508 517 533 548 565 583 596 613 631 646 664 682 696 710 727 742 761 778 786 797 8084 26 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 269 315 326 338 352 366 377 388 400 409 425 443 455 465 480 502 511 526 541 558 576 588 605 623 637 655 673 687 701 718 732 751 767 776 787 7974 27 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 266 311 321 334 347 361 372 383 395 404 420 437 449 458 474 495 504 519 534 550 568 580 597 615 629 646 664 677 691 708 722 741 757 765 776 7864 28 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 262 307 317 329 343 356 367 377 390 398 414 431 443 452 467 488 497 512 526 543 560 572 589 606 620 637 655 668 682 698 712 731 747 755 765 7754 29 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 258 302 312 324 338 351 362 372 384 393 408 425 437 446 461 481 490 505 519 535 552 564 581 598 611 628 646 659 672 689 702 721 736 744 755 7654 30 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 255 298 308 320 333 346 357 367 379 387 402 419 430 440 454 475 483 498 512 528 545 556 573 589 603 619 637 650 663 679 692 710 726 734 744 7544 33 Common Carrier Truck Within 161 km in MB 4,540 kg or less GVW 244 285 295 306 319 331 342 351 362 371 385 401 412 421 435 454 462 476 490 505 521 533 548 564 577 593 610 622 634 650 663 680 695 702 712 7224 0 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 757 827 886 956 1017 1094 1160 1221 1279 1349 1418 1489 1550 1628 1697 1782 18024 5 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 719 786 842 908 966 1039 1102 1160 1215 1282 1347 1415 1472 1547 1612 1693 17124 10 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 681 744 797 860 915 985 1044 1099 1151 1214 1276 1340 1395 1465 1527 1604 16224 15 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 643 703 753 813 864 930 986 1038 1087 1147 1205 1266 1317 1384 1442 1515 15324 20 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 606 662 709 765 814 875 928 977 1023 1079 1134 1191 1240 1302 1358 1426 14424 25 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 568 620 664 717 763 820 870 916 959 1012 1063 1117 1162 1221 1273 1336 1351

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4 26 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 560 612 656 707 753 810 858 904 946 998 1049 1102 1147 1205 1256 1319 13334 27 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 553 604 647 698 742 799 847 891 934 985 1035 1087 1131 1188 1239 1301 13154 28 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 545 595 638 688 732 788 835 879 921 971 1021 1072 1116 1172 1222 1283 12974 29 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 537 587 629 679 722 777 824 867 908 958 1007 1057 1100 1156 1205 1265 12794 30 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 530 579 620 669 712 766 812 855 895 944 993 1042 1085 1140 1188 1247 12614 33 Common Carrier Truck Within 161 km in MB 4,541 to 16,330 kg GVW 507 554 594 641 681 733 777 818 857 904 950 998 1038 1091 1137 1194 12074 0 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 711 7114 5 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 675 675 675 675 675 675 675 675 675 675 675 675 675 675 675 675 6754 10 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 640 640 640 640 640 640 640 640 640 640 640 640 640 640 640 640 6404 15 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 604 604 604 604 604 604 604 604 604 604 604 604 604 604 604 604 6044 20 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 569 569 569 569 569 569 569 569 569 569 569 569 569 569 569 569 5694 25 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 533 533 533 533 533 533 533 533 533 533 533 533 533 533 533 533 5334 26 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 526 526 526 526 526 526 526 526 526 526 526 526 526 526 526 526 5264 27 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 519 519 519 519 519 519 519 519 519 519 519 519 519 519 519 519 5194 28 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 512 512 512 512 512 512 512 512 512 512 512 512 512 512 512 512 5124 29 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 505 505 505 505 505 505 505 505 505 505 505 505 505 505 505 505 5054 30 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 498 498 498 498 498 498 498 498 498 498 498 498 498 498 498 498 4984 33 Common Carrier Truck Within 161 km in MB 16,331 kg or more GVW 476 476 476 476 476 476 476 476 476 476 476 476 476 476 476 476 4764 0 Common/Private/Contract Passenger Vehicle Over 161 km outside MB 04 0 Common/Private/Contract Truck Over 161 km outside MB 04 0 Dealer All Uses except Motorcycles 11414 0 Dealer Moped 5064 0 Dealer Motorcycle 9174 0 Dealer Trailer 5854 0 Disabled Persons/Private/Business Bus 20 seats or less 439 475 525 591 672 693 714 735 751 782 811 846 879 9144 0 Disabled Persons/Private/Business Bus 21 to 35 seats 496 537 591 672 751 761 781 793 810 842 875 912 945 9834 0 Disabled Persons/Private/Business Bus 36 to 50 seats 600 634 672 751 810 818 841 853 873 905 941 979 1018 10614 0 Disabled Persons/Private/Business Bus 51 seats or more 716 747 770 810 873 883 901 915 937 976 1012 1054 1098 11414 0 Driveaway Over 161 km outside MB 1194 0 Driveaway Within MB 4684 0 Farm Passenger Vehicle 457 486 534 558 584 609 633 657 682 704 723 733 753 772 785 805 824 844 864 884 904 924 944 964 985 1011 1045 1078 1113 1146 1180 1201 1204 1207 1226 12434 5 Farm Passenger Vehicle 434 462 507 530 555 579 601 624 648 669 687 696 715 733 746 765 783 802 821 840 859 878 897 916 936 960 993 1024 1057 1089 1121 1141 1144 1147 1165 11814 10 Farm Passenger Vehicle 411 437 481 502 526 548 570 591 614 634 651 660 678 695 706 724 742 760 778 796 814 832 850 868 886 910 940 970 1002 1031 1062 1081 1084 1086 1103 11194 15 Farm Passenger Vehicle 388 413 454 474 496 518 538 558 580 598 615 623 640 656 667 684 700 717 734 751 768 785 802 819 837 859 888 916 946 974 1003 1021 1023 1026 1042 10574 20 Farm Passenger Vehicle 366 389 427 446 467 487 506 526 546 563 578 586 602 618 628 644 659 675 691 707 723 739 755 771 788 809 836 862 890 917 944 961 963 966 981 9944 25 Farm Passenger Vehicle 343 364 400 418 438 457 475 493 511 528 542 550 565 579 589 604 618 633 648 663 678 693 708 723 739 758 784 808 835 859 885 901 903 905 919 9324 26 Farm Passenger Vehicle 338 360 395 413 432 451 468 486 505 521 535 542 557 571 581 596 610 625 639 654 669 684 699 713 729 748 773 798 824 848 873 889 891 893 907 9204 27 Farm Passenger Vehicle 334 355 390 407 426 445 462 480 498 514 528 535 550 564 573 588 602 616 631 645 660 675 689 704 719 738 763 787 812 837 861 877 879 881 895 9074 28 Farm Passenger Vehicle 329 350 384 402 420 438 456 473 491 507 521 528 542 556 565 580 593 608 622 636 651 665 680 694 709 728 752 776 801 825 850 865 867 869 883 8954 29 Farm Passenger Vehicle 324 345 379 396 415 432 449 466 484 500 513 520 535 548 557 572 585 599 613 628 642 656 670 684 699 718 742 765 790 814 838 853 855 857 870 8834 30 Farm Passenger Vehicle 320 340 374 391 409 426 443 460 477 493 506 513 527 540 549 563 577 591 605 619 633 647 661 675 689 708 731 755 779 802 826 841 843 845 858 8704 33 Farm Passenger Vehicle 306 326 358 374 391 408 424 440 457 472 484 491 505 517 526 539 552 565 579 592 606 619 632 646 660 677 700 722 746 768 791 805 807 809 821 8334 0 Farming All Purpose Truck 4,540 kg or less GVW 459 537 554 576 599 622 643 661 682 697 724 754 775 792 818 854 870 897 921 951 980 1002 1030 1061 1085 1116 1147 1170 1194 1222 1247 1279 1307 1321 1340 13574 5 Farming All Purpose Truck 4,540 kg or less GVW 436 510 526 547 569 591 611 628 648 662 688 716 736 752 777 811 826 852 875 903 931 952 978 1008 1031 1060 1090 1111 1134 1161 1185 1215 1242 1255 1273 12894 10 Farming All Purpose Truck 4,540 kg or less GVW 413 483 499 518 539 560 579 595 614 627 652 679 697 713 736 769 783 807 829 856 882 902 927 955 976 1004 1032 1053 1075 1100 1122 1151 1176 1189 1206 12214 15 Farming All Purpose Truck 4,540 kg or less GVW 390 456 471 490 509 529 547 562 580 592 615 641 659 673 695 726 739 762 783 808 833 852 875 902 922 949 975 994 1015 1039 1060 1087 1111 1123 1139 11534 20 Farming All Purpose Truck 4,540 kg or less GVW 367 430 443 461 479 498 514 529 546 558 579 603 620 634 654 683 696 718 737 761 784 802 824 849 868 893 918 936 955 978 998 1023 1046 1057 1072 10864 25 Farming All Purpose Truck 4,540 kg or less GVW 344 403 415 432 449 466 482 496 511 523 543 565 581 594 613 640 652 673 691 713 735 751 772 796 814 837 860 877 895 916 935 959 980 991 1005 10184 26 Farming All Purpose Truck 4,540 kg or less GVW 340 397 410 426 443 460 476 489 505 516 536 558 573 586 605 632 644 664 682 704 725 741 762 785 803 826 849 866 884 904 923 946 967 978 992 10044 27 Farming All Purpose Truck 4,540 kg or less GVW 335 392 404 420 437 454 469 483 498 509 529 550 566 578 597 623 635 655 672 694 715 731 752 775 792 815 837 854 872 892 910 934 954 964 978 9914 28 Farming All Purpose Truck 4,540 kg or less GVW 330 387 399 415 431 448 463 476 491 502 521 543 558 570 589 615 626 646 663 685 706 721 742 764 781 804 826 842 860 880 898 921 941 951 965 9774 29 Farming All Purpose Truck 4,540 kg or less GVW 326 381 393 409 425 442 457 469 484 495 514 535 550 562 581 606 618 637 654 675 696 711 731 753 770 792 814 831 848 868 885 908 928 938 951 9634 30 Farming All Purpose Truck 4,540 kg or less GVW 321 376 388 403 419 435 450 463 477 488 507 528 542 554 573 598 609 628 645 666 686 701 721 743 759 781 803 819 836 855 873 895 915 925 938 9504 33 Farming All Purpose Truck 4,540 kg or less GVW 308 360 371 386 401 417 431 443 457 467 485 505 519 531 548 572 583 601 617 637 657 671 690 711 727 748 768 784 800 819 835 857 876 885 898 9094 0 Farming All Purpose Truck 4,541 to 16,330 kg GVW 251 274 293 317 337 362 384 404 424 447 469 493 513 539 562 590 5974 0 Farming All Purpose Truck 16,331 kg or more GVW 366 400 429 463 492 529 562 591 619 653 687 721 751 788 821 863 8734 0 Fishing All Purpose Truck 4,540 kg or less GVW 499 583 602 626 651 676 699 718 741 757 787 819 842 860 888 928 945 974 1001 1033 1065 1088 1119 1153 1179 1212 1247 1271 1297 1328 1355 1390 1420 1435 1455 14744 5 Fishing All Purpose Truck 4,540 kg or less GVW 474 554 572 595 618 642 664 682 704 719 748 778 800 817 844 882 898 925 951 981 1012 1034 1063 1095 1120 1151 1185 1207 1232 1262 1287 1320 1349 1363 1382 14004 10 Fishing All Purpose Truck 4,540 kg or less GVW 449 525 542 563 586 608 629 646 667 681 708 737 758 774 799 835 850 877 901 930 958 979 1007 1038 1061 1091 1122 1144 1167 1195 1219 1251 1278 1291 1309 13274 15 Fishing All Purpose Truck 4,540 kg or less GVW 424 496 512 532 553 575 594 610 630 643 669 696 716 731 755 789 803 828 851 878 905 925 951 980 1002 1030 1060 1080 1102 1129 1152 1181 1207 1220 1237 12534 20 Fishing All Purpose Truck 4,540 kg or less GVW 399 466 482 501 521 541 559 574 593 606 630 655 674 688 710 742 756 779 801 826 852 870 895 922 943 970 998 1017 1038 1062 1084 1112 1136 1148 1164 11794 25 Fishing All Purpose Truck 4,540 kg or less GVW 374 437 451 469 488 507 524 538 556 568 590 614 631 645 666 696 709 730 751 775 799 816 839 865 884 909 935 953 973 996 1016 1042 1065 1076 1091 1105

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4 26 Fishing All Purpose Truck 4,540 kg or less GVW 369 431 445 463 482 500 517 531 548 560 582 606 623 636 657 687 699 721 741 764 788 805 828 853 872 897 923 941 960 983 1003 1029 1051 1062 1077 10914 27 Fishing All Purpose Truck 4,540 kg or less GVW 364 426 439 457 475 493 510 524 541 553 575 598 615 628 648 677 690 711 731 754 777 794 817 842 861 885 910 928 947 969 989 1015 1037 1048 1062 10764 28 Fishing All Purpose Truck 4,540 kg or less GVW 359 420 433 451 469 487 503 517 534 545 567 590 606 619 639 668 680 701 721 744 767 783 806 830 849 873 898 915 934 956 976 1001 1022 1033 1048 10614 29 Fishing All Purpose Truck 4,540 kg or less GVW 354 414 427 444 462 480 496 510 526 537 559 581 598 611 630 659 671 692 711 733 756 772 794 819 837 861 885 902 921 943 962 987 1008 1019 1033 10474 30 Fishing All Purpose Truck 4,540 kg or less GVW 349 408 421 438 456 473 489 503 519 530 551 573 589 602 622 650 661 682 701 723 745 762 783 807 825 848 873 890 908 930 948 973 994 1004 1018 10324 33 Fishing All Purpose Truck 4,540 kg or less GVW 334 391 403 419 436 453 468 481 496 507 527 549 564 576 595 622 633 653 671 692 714 729 750 773 790 812 835 852 869 890 908 931 951 961 975 9884 0 Fishing All Purpose Truck 4,541 to 16,330 kg GVW 385 420 451 486 517 556 590 620 650 686 721 757 788 827 862 906 9164 0 Fishing All Purpose Truck 16,331 kg or more GVW 374 409 439 473 503 541 574 604 633 667 701 737 767 805 839 882 8924 0 Funeral Passenger Vehicle 296 314 345 361 378 394 409 425 441 455 467 474 487 499 508 520 533 546 558 571 584 597 610 623 637 653 675 697 719 741 763 777 778 780 793 8034 0 Limousine All Uses 16584 0 Logging Truck 4,540 kg or less GVW 356 416 430 447 465 483 499 513 529 541 562 585 602 615 635 663 675 696 715 738 761 778 800 824 843 866 891 908 927 949 968 993 1015 1025 1040 10534 0 Logging Truck 4,541 to 16,330 kg GVW 482 527 565 609 648 697 739 778 815 859 903 949 988 1037 1081 1136 11484 0 Logging Truck 16,331 kg or more GVW 908 908 908 908 908 908 908 908 908 908 908 908 908 908 908 908 9084 0 Off-Road Vehicle All Purpose All Terrain Vehicle 350 cc or less 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose All Terrain Vehicle 351 to 500 cc 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose All Terrain Vehicle 501 cc or more 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Motorcycle 100 cc or less 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Motorcycle 101 to 250 cc 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Motorcycle 251 cc or more 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snow Vehicle 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snow Vehicle 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snow Vehicle 651 to 750 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snow Vehicle 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snowmobile 550 cc or less 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snowmobile 551 to 650 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snowmobile 651 to 750 cc 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Off-Road Vehicle All Purpose Snowmobile 751 cc or more 14 14 14 14 14 14 14 14 14 14 14 14 14 14 144 0 Other Truck 4,540 kg or less GVW 377 441 456 474 492 511 528 543 560 573 595 620 637 651 672 702 715 737 757 781 806 823 847 872 892 917 943 961 981 1004 1025 1051 1074 1085 1101 11154 0 Other Truck 4,541 to 16,330 kg GVW 449 490 526 567 603 649 688 724 759 800 841 883 919 966 1006 1057 10694 0 Other Truck 16,331 kg or more GVW 546 546 546 546 546 546 546 546 546 546 546 546 546 546 546 546 5464 0 Petroleum/Chemical Truck 4,540 kg or less GVW 200 234 241 251 261 271 280 288 297 303 315 328 338 345 356 372 379 390 401 414 427 436 449 462 473 486 500 509 520 532 543 557 569 575 583 5914 0 Petroleum/Chemical Truck 4,541 to 16,330 kg GVW 359 392 420 453 482 518 550 579 606 639 672 706 735 772 804 845 8544 0 Petroleum/Chemical Truck 16,331 kg or more GVW 415 415 415 415 415 415 415 415 415 415 415 415 415 415 415 415 4154 0 Pleasure Moped 264 361 367 381 397 417 437 458 481 4954 5 Pleasure Moped 251 343 349 362 377 396 415 435 457 4704 10 Pleasure Moped 238 325 330 343 357 375 393 412 433 4454 15 Pleasure Moped 224 307 312 324 337 354 371 389 409 4214 20 Pleasure Moped 211 289 294 305 318 334 350 366 385 3964 25 Pleasure Moped 198 271 275 286 298 313 328 343 361 3714 26 Pleasure Moped 195 267 272 282 294 309 323 339 356 3664 27 Pleasure Moped 193 264 268 278 290 304 319 334 351 3614 28 Pleasure Moped 190 260 264 274 286 300 315 330 346 3564 29 Pleasure Moped 187 256 261 271 282 296 310 325 342 3514 30 Pleasure Moped 185 253 257 267 278 292 306 321 337 3464 33 Pleasure Moped 177 242 246 255 266 279 293 307 322 3324 0 Pleasure Motorcycle - Motorscooter 500 cc or less 264 361 367 381 397 417 437 458 481 4954 5 Pleasure Motorcycle - Motorscooter 500 cc or less 251 343 349 362 377 396 415 435 457 4704 10 Pleasure Motorcycle - Motorscooter 500 cc or less 238 325 330 343 357 375 393 412 433 4454 15 Pleasure Motorcycle - Motorscooter 500 cc or less 224 307 312 324 337 354 371 389 409 4214 20 Pleasure Motorcycle - Motorscooter 500 cc or less 211 289 294 305 318 334 350 366 385 3964 25 Pleasure Motorcycle - Motorscooter 500 cc or less 198 271 275 286 298 313 328 343 361 3714 26 Pleasure Motorcycle - Motorscooter 500 cc or less 195 267 272 282 294 309 323 339 356 3664 27 Pleasure Motorcycle - Motorscooter 500 cc or less 193 264 268 278 290 304 319 334 351 3614 28 Pleasure Motorcycle - Motorscooter 500 cc or less 190 260 264 274 286 300 315 330 346 3564 29 Pleasure Motorcycle - Motorscooter 500 cc or less 187 256 261 271 282 296 310 325 342 3514 30 Pleasure Motorcycle - Motorscooter 500 cc or less 185 253 257 267 278 292 306 321 337 3464 33 Pleasure Motorcycle - Motorscooter 500 cc or less 177 242 246 255 266 279 293 307 322 3324 0 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 373 466 474 492 513 539 564 591 620 6394 5 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 354 443 450 467 487 512 536 561 589 6074 10 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 336 419 427 443 462 485 508 532 558 5754 15 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 317 396 403 418 436 458 479 502 527 5434 20 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 298 373 379 394 410 431 451 473 496 511

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RATING GROUPS


4 25 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 280 349 355 369 385 404 423 443 465 4794 26 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 276 345 351 364 380 399 417 437 459 4734 27 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 272 340 346 359 374 393 412 431 453 4664 28 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 269 336 341 354 369 388 406 426 446 4604 29 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 265 331 337 349 364 383 400 420 440 4544 30 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 261 326 332 344 359 377 395 414 434 4474 33 Pleasure Motorcycle - Motorscooter 501 to 1000 cc 250 312 318 330 344 361 378 396 415 4284 0 Pleasure Motorcycle - Motorscooter 1001 cc or more 409 512 520 540 564 592 620 650 682 7024 5 Pleasure Motorcycle - Motorscooter 1001 cc or more 389 486 494 513 536 562 589 617 648 6674 10 Pleasure Motorcycle - Motorscooter 1001 cc or more 368 461 468 486 508 533 558 585 614 6324 15 Pleasure Motorcycle - Motorscooter 1001 cc or more 348 435 442 459 479 503 527 552 580 5974 20 Pleasure Motorcycle - Motorscooter 1001 cc or more 327 410 416 432 451 474 496 520 546 5624 25 Pleasure Motorcycle - Motorscooter 1001 cc or more 307 384 390 405 423 444 465 487 511 5264 26 Pleasure Motorcycle - Motorscooter 1001 cc or more 303 379 385 400 417 438 459 481 505 5194 27 Pleasure Motorcycle - Motorscooter 1001 cc or more 299 374 380 394 412 432 453 474 498 5124 28 Pleasure Motorcycle - Motorscooter 1001 cc or more 294 369 374 389 406 426 446 468 491 5054 29 Pleasure Motorcycle - Motorscooter 1001 cc or more 290 364 369 383 400 420 440 461 484 4984 30 Pleasure Motorcycle - Motorscooter 1001 cc or more 286 358 364 378 395 414 434 455 477 4914 33 Pleasure Motorcycle - Motorscooter 1001 cc or more 274 343 348 362 378 397 415 435 457 4704 0 Pleasure Motorcycle - Other 500 cc or less 637 663 675 700 731 767 803 842 884 9104 5 Pleasure Motorcycle - Other 500 cc or less 605 630 641 665 694 729 763 800 840 8644 10 Pleasure Motorcycle - Other 500 cc or less 573 597 607 630 658 690 723 758 796 8194 15 Pleasure Motorcycle - Other 500 cc or less 541 564 574 595 621 652 683 716 751 7734 20 Pleasure Motorcycle - Other 500 cc or less 510 530 540 560 585 614 642 674 707 7284 25 Pleasure Motorcycle - Other 500 cc or less 478 497 506 525 548 575 602 631 663 6824 26 Pleasure Motorcycle - Other 500 cc or less 471 491 499 518 541 568 594 623 654 6734 27 Pleasure Motorcycle - Other 500 cc or less 465 484 493 511 534 560 586 615 645 6644 28 Pleasure Motorcycle - Other 500 cc or less 459 477 486 504 526 552 578 606 636 6554 29 Pleasure Motorcycle - Other 500 cc or less 452 471 479 497 519 545 570 598 628 6464 30 Pleasure Motorcycle - Other 500 cc or less 446 464 472 490 512 537 562 589 619 6374 33 Pleasure Motorcycle - Other 500 cc or less 427 444 452 469 490 514 538 564 592 6104 0 Pleasure Motorcycle - Other 501 to 1000 cc 857 892 908 942 983 1032 1080 1133 1189 12244 5 Pleasure Motorcycle - Other 501 to 1000 cc 814 847 863 895 934 980 1026 1076 1130 11634 10 Pleasure Motorcycle - Other 501 to 1000 cc 771 803 817 848 885 929 972 1020 1070 11024 15 Pleasure Motorcycle - Other 501 to 1000 cc 728 758 772 801 836 877 918 963 1011 10404 20 Pleasure Motorcycle - Other 501 to 1000 cc 686 714 726 754 786 826 864 906 951 9794 25 Pleasure Motorcycle - Other 501 to 1000 cc 643 669 681 706 737 774 810 850 892 9184 26 Pleasure Motorcycle - Other 501 to 1000 cc 634 660 672 697 727 764 799 838 880 9064 27 Pleasure Motorcycle - Other 501 to 1000 cc 626 651 663 688 718 753 788 827 868 8944 28 Pleasure Motorcycle - Other 501 to 1000 cc 617 642 654 678 708 743 778 816 856 8814 29 Pleasure Motorcycle - Other 501 to 1000 cc 608 633 645 669 698 733 767 804 844 8694 30 Pleasure Motorcycle - Other 501 to 1000 cc 600 624 636 659 688 722 756 793 832 8574 33 Pleasure Motorcycle - Other 501 to 1000 cc 574 598 608 631 659 691 724 759 797 8204 0 Pleasure Motorcycle - Other 1001 cc or more 944 982 999 1037 1082 1136 1189 1247 1309 13474 5 Pleasure Motorcycle - Other 1001 cc or more 897 933 949 985 1028 1079 1130 1185 1244 12804 10 Pleasure Motorcycle - Other 1001 cc or more 850 884 899 933 974 1022 1070 1122 1178 12124 15 Pleasure Motorcycle - Other 1001 cc or more 802 835 849 881 920 966 1011 1060 1113 11454 20 Pleasure Motorcycle - Other 1001 cc or more 755 786 799 830 866 909 951 998 1047 10784 25 Pleasure Motorcycle - Other 1001 cc or more 708 736 749 778 811 852 892 935 982 10104 26 Pleasure Motorcycle - Other 1001 cc or more 699 727 739 767 801 841 880 923 969 9974 27 Pleasure Motorcycle - Other 1001 cc or more 689 717 729 757 790 829 868 910 956 9834 28 Pleasure Motorcycle - Other 1001 cc or more 680 707 719 747 779 818 856 898 942 9704 29 Pleasure Motorcycle - Other 1001 cc or more 670 697 709 736 768 807 844 885 929 9564 30 Pleasure Motorcycle - Other 1001 cc or more 661 687 699 726 757 795 832 873 916 9434 33 Pleasure Motorcycle - Other 1001 cc or more 632 658 669 695 725 761 797 835 877 9024 0 Pleasure Motorcycle - Sport 500 cc or less 876 912 927 963 1005 1055 1104 1158 1215 12514 5 Pleasure Motorcycle - Sport 500 cc or less 832 866 881 915 955 1002 1049 1100 1154 11884 10 Pleasure Motorcycle - Sport 500 cc or less 788 821 834 867 904 949 994 1042 1093 11264 15 Pleasure Motorcycle - Sport 500 cc or less 745 775 788 819 854 897 938 984 1033 10634 20 Pleasure Motorcycle - Sport 500 cc or less 701 730 742 770 804 844 883 926 972 10014 25 Pleasure Motorcycle - Sport 500 cc or less 657 684 695 722 754 791 828 868 911 9384 26 Pleasure Motorcycle - Sport 500 cc or less 648 675 686 713 744 781 817 857 899 926

June 14, 2013 Page 49 of 56


RATING GROUPS


4 27 Pleasure Motorcycle - Sport 500 cc or less 639 666 677 703 734 770 806 845 887 9134 28 Pleasure Motorcycle - Sport 500 cc or less 631 657 667 693 724 760 795 834 875 9014 29 Pleasure Motorcycle - Sport 500 cc or less 622 648 658 684 714 749 784 822 863 8884 30 Pleasure Motorcycle - Sport 500 cc or less 613 638 649 674 703 738 773 811 850 8764 33 Pleasure Motorcycle - Sport 500 cc or less 587 611 621 645 673 707 740 776 814 8384 0 Pleasure Motorcycle - Sport 501 to 1000 cc 1317 1370 1394 1447 1510 1585 1659 1740 1826 18794 5 Pleasure Motorcycle - Sport 501 to 1000 cc 1251 1301 1324 1375 1434 1506 1576 1653 1735 17854 10 Pleasure Motorcycle - Sport 501 to 1000 cc 1185 1233 1255 1302 1359 1426 1493 1566 1643 16914 15 Pleasure Motorcycle - Sport 501 to 1000 cc 1119 1164 1185 1230 1283 1347 1410 1479 1552 15974 20 Pleasure Motorcycle - Sport 501 to 1000 cc 1054 1096 1115 1158 1208 1268 1327 1392 1461 15034 25 Pleasure Motorcycle - Sport 501 to 1000 cc 988 1027 1045 1085 1132 1189 1244 1305 1369 14094 26 Pleasure Motorcycle - Sport 501 to 1000 cc 975 1014 1032 1071 1117 1173 1228 1288 1351 13904 27 Pleasure Motorcycle - Sport 501 to 1000 cc 961 1000 1018 1056 1102 1157 1211 1270 1333 13724 28 Pleasure Motorcycle - Sport 501 to 1000 cc 948 986 1004 1042 1087 1141 1194 1253 1315 13534 29 Pleasure Motorcycle - Sport 501 to 1000 cc 935 973 990 1027 1072 1125 1178 1235 1296 13344 30 Pleasure Motorcycle - Sport 501 to 1000 cc 922 959 976 1013 1057 1109 1161 1218 1278 13154 33 Pleasure Motorcycle - Sport 501 to 1000 cc 882 918 934 969 1012 1062 1112 1166 1223 12594 0 Pleasure Motorcycle - Sport 1001 cc or more 1692 1761 1791 1859 1940 2037 2132 2235 2346 24154 5 Pleasure Motorcycle - Sport 1001 cc or more 1607 1673 1701 1766 1843 1935 2025 2123 2229 22944 10 Pleasure Motorcycle - Sport 1001 cc or more 1523 1585 1612 1673 1746 1833 1919 2011 2111 21734 15 Pleasure Motorcycle - Sport 1001 cc or more 1438 1497 1522 1580 1649 1731 1812 1900 1994 20534 20 Pleasure Motorcycle - Sport 1001 cc or more 1354 1409 1433 1487 1552 1630 1706 1788 1877 19324 25 Pleasure Motorcycle - Sport 1001 cc or more 1269 1321 1343 1394 1455 1528 1599 1676 1759 18114 26 Pleasure Motorcycle - Sport 1001 cc or more 1252 1303 1325 1376 1436 1507 1578 1654 1736 17874 27 Pleasure Motorcycle - Sport 1001 cc or more 1235 1286 1307 1357 1416 1487 1556 1632 1713 17634 28 Pleasure Motorcycle - Sport 1001 cc or more 1218 1268 1290 1338 1397 1467 1535 1609 1689 17394 29 Pleasure Motorcycle - Sport 1001 cc or more 1201 1250 1272 1320 1377 1446 1514 1587 1666 17154 30 Pleasure Motorcycle - Sport 1001 cc or more 1184 1233 1254 1301 1358 1426 1492 1564 1642 16904 33 Pleasure Motorcycle - Sport 1001 cc or more 1134 1180 1200 1246 1300 1365 1428 1497 1572 16184 0 Pleasure Motorcycle - Sport Touring 500 cc or less 764 795 809 839 876 920 963 1009 1059 10914 5 Pleasure Motorcycle - Sport Touring 500 cc or less 726 755 769 797 832 874 915 959 1006 10364 10 Pleasure Motorcycle - Sport Touring 500 cc or less 688 715 728 755 788 828 867 908 953 9824 15 Pleasure Motorcycle - Sport Touring 500 cc or less 649 676 688 713 745 782 819 858 900 9274 20 Pleasure Motorcycle - Sport Touring 500 cc or less 611 636 647 671 701 736 770 807 847 8734 25 Pleasure Motorcycle - Sport Touring 500 cc or less 573 596 607 629 657 690 722 757 794 8184 26 Pleasure Motorcycle - Sport Touring 500 cc or less 565 588 599 621 648 681 713 747 784 8074 27 Pleasure Motorcycle - Sport Touring 500 cc or less 558 580 591 612 639 672 703 737 773 7964 28 Pleasure Motorcycle - Sport Touring 500 cc or less 550 572 582 604 631 662 693 726 762 7864 29 Pleasure Motorcycle - Sport Touring 500 cc or less 542 564 574 596 622 653 684 716 752 7754 30 Pleasure Motorcycle - Sport Touring 500 cc or less 535 556 566 587 613 644 674 706 741 7644 33 Pleasure Motorcycle - Sport Touring 500 cc or less 512 533 542 562 587 616 645 676 710 7314 0 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 908 945 961 997 1041 1093 1144 1199 1259 12964 5 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 863 898 913 947 989 1038 1087 1139 1196 12314 10 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 817 850 865 897 937 984 1030 1079 1133 11664 15 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 772 803 817 847 885 929 972 1019 1070 11024 20 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 726 756 769 798 833 874 915 959 1007 10374 25 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 681 709 721 748 781 820 858 899 944 9724 26 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 672 699 711 738 770 809 847 887 932 9594 27 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 663 690 702 728 760 798 835 875 919 9464 28 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 654 680 692 718 750 787 824 863 906 9334 29 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 645 671 682 708 739 776 812 851 894 9204 30 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 636 661 673 698 729 765 801 839 881 9074 33 Pleasure Motorcycle - Sport Touring 501 to 1000 cc 608 633 644 668 697 732 766 803 844 8684 0 Pleasure Motorcycle - Sport Touring 1001 cc or more 1213 1263 1284 1333 1391 1461 1529 1603 1683 17324 5 Pleasure Motorcycle - Sport Touring 1001 cc or more 1152 1200 1220 1266 1321 1388 1453 1523 1599 16454 10 Pleasure Motorcycle - Sport Touring 1001 cc or more 1092 1137 1156 1200 1252 1315 1376 1443 1515 15594 15 Pleasure Motorcycle - Sport Touring 1001 cc or more 1031 1074 1091 1133 1182 1242 1300 1363 1431 14724 20 Pleasure Motorcycle - Sport Touring 1001 cc or more 970 1010 1027 1066 1113 1169 1223 1282 1346 13864 25 Pleasure Motorcycle - Sport Touring 1001 cc or more 910 947 963 1000 1043 1096 1147 1202 1262 12994 26 Pleasure Motorcycle - Sport Touring 1001 cc or more 898 935 950 986 1029 1081 1131 1186 1245 12824 27 Pleasure Motorcycle - Sport Touring 1001 cc or more 885 922 937 973 1015 1067 1116 1170 1229 12644 28 Pleasure Motorcycle - Sport Touring 1001 cc or more 873 909 924 960 1002 1052 1101 1154 1212 1247

June 14, 2013 Page 50 of 56


RATING GROUPS


4 29 Pleasure Motorcycle - Sport Touring 1001 cc or more 861 897 912 946 988 1037 1086 1138 1195 12304 30 Pleasure Motorcycle - Sport Touring 1001 cc or more 849 884 899 933 974 1023 1070 1122 1178 12124 33 Pleasure Motorcycle - Sport Touring 1001 cc or more 813 846 860 893 932 979 1024 1074 1128 11604 0 Pleasure Motorcycle - Touring 500 cc or less 618 644 655 679 709 744 779 817 858 8834 5 Pleasure Motorcycle - Touring 500 cc or less 587 612 622 645 674 707 740 776 815 8394 10 Pleasure Motorcycle - Touring 500 cc or less 556 580 589 611 638 670 701 735 772 7954 15 Pleasure Motorcycle - Touring 500 cc or less 525 547 557 577 603 632 662 694 729 7514 20 Pleasure Motorcycle - Touring 500 cc or less 494 515 524 543 567 595 623 654 686 7064 25 Pleasure Motorcycle - Touring 500 cc or less 463 483 491 509 532 558 584 613 643 6624 26 Pleasure Motorcycle - Touring 500 cc or less 457 477 485 502 525 551 576 605 635 6534 27 Pleasure Motorcycle - Touring 500 cc or less 451 470 478 496 518 543 569 596 626 6454 28 Pleasure Motorcycle - Touring 500 cc or less 445 464 472 489 510 536 561 588 618 6364 29 Pleasure Motorcycle - Touring 500 cc or less 439 457 465 482 503 528 553 580 609 6274 30 Pleasure Motorcycle - Touring 500 cc or less 433 451 458 475 496 521 545 572 601 6184 33 Pleasure Motorcycle - Touring 500 cc or less 414 431 439 455 475 498 522 547 575 5924 0 Pleasure Motorcycle - Touring 501 to 1000 cc 825 858 873 906 945 993 1039 1089 1144 11774 5 Pleasure Motorcycle - Touring 501 to 1000 cc 784 815 829 861 898 943 987 1035 1087 11184 10 Pleasure Motorcycle - Touring 501 to 1000 cc 742 772 786 815 850 894 935 980 1030 10594 15 Pleasure Motorcycle - Touring 501 to 1000 cc 701 729 742 770 803 844 883 926 972 10004 20 Pleasure Motorcycle - Touring 501 to 1000 cc 660 686 698 725 756 794 831 871 915 9424 25 Pleasure Motorcycle - Touring 501 to 1000 cc 619 643 655 679 709 745 779 817 858 8834 26 Pleasure Motorcycle - Touring 501 to 1000 cc 610 635 646 670 699 735 769 806 847 8714 27 Pleasure Motorcycle - Touring 501 to 1000 cc 602 626 637 661 690 725 758 795 835 8594 28 Pleasure Motorcycle - Touring 501 to 1000 cc 594 618 629 652 680 715 748 784 824 8474 29 Pleasure Motorcycle - Touring 501 to 1000 cc 586 609 620 643 671 705 738 773 812 8364 30 Pleasure Motorcycle - Touring 501 to 1000 cc 577 601 611 634 661 695 727 762 801 8244 33 Pleasure Motorcycle - Touring 501 to 1000 cc 553 575 585 607 633 665 696 730 766 7894 0 Pleasure Motorcycle - Touring 1001 cc or more 916 953 969 1006 1050 1102 1154 1210 1270 13074 5 Pleasure Motorcycle - Touring 1001 cc or more 870 905 921 956 997 1047 1096 1149 1206 12424 10 Pleasure Motorcycle - Touring 1001 cc or more 824 858 872 905 945 992 1039 1089 1143 11764 15 Pleasure Motorcycle - Touring 1001 cc or more 779 810 824 855 892 937 981 1028 1079 11114 20 Pleasure Motorcycle - Touring 1001 cc or more 733 762 775 805 840 882 923 968 1016 10464 25 Pleasure Motorcycle - Touring 1001 cc or more 687 715 727 754 787 826 865 907 952 9804 26 Pleasure Motorcycle - Touring 1001 cc or more 678 705 717 744 777 815 854 895 940 9674 27 Pleasure Motorcycle - Touring 1001 cc or more 669 696 707 734 766 804 842 883 927 9544 28 Pleasure Motorcycle - Touring 1001 cc or more 660 686 698 724 756 793 831 871 914 9414 29 Pleasure Motorcycle - Touring 1001 cc or more 650 677 688 714 745 782 819 859 902 9284 30 Pleasure Motorcycle - Touring 1001 cc or more 641 667 678 704 735 771 808 847 889 9154 33 Pleasure Motorcycle - Touring 1001 cc or more 614 639 649 674 703 738 773 811 851 8764 0 Pleasure Motorhome 480 551 622 697 781 853 928 1018 1113 1126 12404 5 Pleasure Motorhome 456 523 591 662 742 810 882 967 1057 1070 11784 10 Pleasure Motorhome 432 496 560 627 703 768 835 916 1002 1013 11164 15 Pleasure Motorhome 408 468 529 592 664 725 789 865 946 957 10544 20 Pleasure Motorhome 384 441 498 558 625 682 742 814 890 901 9924 25 Pleasure Motorhome 360 413 466 523 586 640 696 763 835 844 9304 26 Pleasure Motorhome 355 408 460 516 578 631 687 753 824 833 9184 27 Pleasure Motorhome 350 402 454 509 570 623 677 743 812 822 9054 28 Pleasure Motorhome 346 397 448 502 562 614 668 733 801 811 8934 29 Pleasure Motorhome 341 391 442 495 555 606 659 723 790 799 8804 30 Pleasure Motorhome 336 386 435 488 547 597 650 713 779 788 8684 33 Pleasure Motorhome 322 369 417 467 523 572 622 682 746 754 8314 0 Pleasure Passenger Vehicle 529 563 618 646 676 705 732 760 789 815 836 849 871 893 909 931 953 977 999 1023 1046 1070 1092 1116 1139 1170 1209 1248 1287 1326 1366 1390 1393 1397 1419 14384 5 Pleasure Passenger Vehicle 503 535 587 614 642 670 695 722 750 774 794 807 827 848 864 884 905 928 949 972 994 1016 1037 1060 1082 1111 1149 1186 1223 1260 1298 1320 1323 1327 1348 13664 10 Pleasure Passenger Vehicle 476 507 556 581 608 634 659 684 710 733 752 764 784 804 818 838 858 879 899 921 941 963 983 1004 1025 1053 1088 1123 1158 1193 1229 1251 1254 1257 1277 12944 15 Pleasure Passenger Vehicle 450 479 525 549 575 599 622 646 671 693 711 722 740 759 773 791 810 830 849 870 889 909 928 949 968 994 1028 1061 1094 1127 1161 1181 1184 1187 1206 12224 20 Pleasure Passenger Vehicle 423 450 494 517 541 564 586 608 631 652 669 679 697 714 727 745 762 782 799 818 837 856 874 893 911 936 967 998 1030 1061 1093 1112 1114 1118 1135 11504 25 Pleasure Passenger Vehicle 397 422 463 484 507 529 549 570 592 611 627 637 653 670 682 698 715 733 749 767 784 802 819 837 854 877 907 936 965 994 1024 1042 1045 1048 1064 10784 26 Pleasure Passenger Vehicle 391 417 457 478 500 522 542 562 584 603 619 628 645 661 673 689 705 723 739 757 774 792 808 826 843 866 895 924 952 981 1011 1029 1031 1034 1050 10644 27 Pleasure Passenger Vehicle 386 411 451 472 493 515 534 555 576 595 610 620 636 652 664 680 696 713 729 747 764 781 797 815 831 854 883 911 940 968 997 1015 1017 1020 1036 10504 28 Pleasure Passenger Vehicle 381 405 445 465 487 508 527 547 568 587 602 611 627 643 654 670 686 703 719 737 753 770 786 804 820 842 870 899 927 955 984 1001 1003 1006 1022 10354 29 Pleasure Passenger Vehicle 376 400 439 459 480 501 520 540 560 579 594 603 618 634 645 661 677 694 709 726 743 760 775 792 809 831 858 886 914 941 970 987 989 992 1007 10214 30 Pleasure Passenger Vehicle 370 394 433 452 473 493 512 532 552 570 585 594 610 625 636 652 667 684 699 716 732 749 764 781 797 819 846 874 901 928 956 973 975 978 993 1007

June 14, 2013 Page 51 of 56


RATING GROUPS


4 33 Pleasure Passenger Vehicle 354 377 414 433 453 472 490 509 529 546 560 569 584 598 609 624 639 655 669 685 701 717 732 748 763 784 810 836 862 888 915 931 933 936 951 9634 0 Pleasure Truck 4,540 kg or less GVW 366 427 442 459 477 496 512 526 543 555 577 601 617 631 651 680 693 714 734 757 781 798 821 846 865 889 914 932 951 974 993 1019 1041 1052 1067 10814 5 Pleasure Truck 4,540 kg or less GVW 348 406 420 436 453 471 486 500 516 527 548 571 586 599 618 646 658 678 697 719 742 758 780 804 822 845 868 885 903 925 943 968 989 999 1014 10274 10 Pleasure Truck 4,540 kg or less GVW 329 384 398 413 429 446 461 473 489 499 519 541 555 568 586 612 624 643 661 681 703 718 739 761 778 800 823 839 856 877 894 917 937 947 960 9734 15 Pleasure Truck 4,540 kg or less GVW 311 363 376 390 405 422 435 447 462 472 490 511 524 536 553 578 589 607 624 643 664 678 698 719 735 756 777 792 808 828 844 866 885 894 907 9194 20 Pleasure Truck 4,540 kg or less GVW 293 342 354 367 382 397 410 421 434 444 462 481 494 505 521 544 554 571 587 606 625 638 657 677 692 711 731 746 761 779 794 815 833 842 854 8654 25 Pleasure Truck 4,540 kg or less GVW 274 320 331 344 358 372 384 394 407 416 433 451 463 473 488 510 520 535 550 568 586 598 616 634 649 667 685 699 713 730 745 764 781 789 800 8114 26 Pleasure Truck 4,540 kg or less GVW 271 316 327 340 353 367 379 389 402 411 427 445 457 467 482 503 513 528 543 560 578 591 608 626 640 658 676 690 704 721 735 754 770 778 790 8004 27 Pleasure Truck 4,540 kg or less GVW 267 312 323 335 348 362 374 384 396 405 421 439 450 461 475 496 506 521 536 553 570 583 599 618 631 649 667 680 694 711 725 744 760 768 779 7894 28 Pleasure Truck 4,540 kg or less GVW 264 307 318 330 343 357 369 379 391 400 415 433 444 454 469 490 499 514 528 545 562 575 591 609 623 640 658 671 685 701 715 734 750 757 768 7784 29 Pleasure Truck 4,540 kg or less GVW 260 303 314 326 339 352 364 373 386 394 410 427 438 448 462 483 492 507 521 537 555 567 583 601 614 631 649 662 675 692 705 723 739 747 758 7684 30 Pleasure Truck 4,540 kg or less GVW 256 299 309 321 334 347 358 368 380 388 404 421 432 442 456 476 485 500 514 530 547 559 575 592 605 622 640 652 666 682 695 713 729 736 747 7574 33 Pleasure Truck 4,540 kg or less GVW 245 286 296 308 320 332 343 352 364 372 387 403 413 423 436 456 464 478 492 507 523 535 550 567 580 596 612 624 637 653 665 683 697 705 715 7244 0 Police/Emergency Passenger Vehicle 712 757 831 870 909 948 986 1023 1061 1096 1125 1142 1172 1202 1223 1253 1283 1314 1345 1376 1408 1439 1470 1502 1533 1574 1627 1679 1733 1784 1838 1871 1875 1879 1909 19354 0 Police/Emergency Truck 4,540 kg or less GVW 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 861 8614 0 Police/Emergency Truck 4,541 to 16,330 kg GVW 779 779 779 779 779 779 779 779 779 779 779 779 779 779 779 779 7794 0 Police/Emergency Truck 16,331 kg or more GVW 676 676 676 676 676 676 676 676 676 676 676 676 676 676 676 676 6764 0 Repairer 2354 0 Sand/Gravel Truck 10,891 to 16,330 kg GVW 446 487 523 564 599 645 684 720 754 795 836 878 914 960 1000 1051 10634 0 Sand/Gravel Truck 16,331 kg or more GVW 649 649 649 649 649 649 649 649 649 649 649 649 649 649 649 649 6494 0 School Bus 20 seats or less 178 201 214 227 241 253 269 283 310 327 338 351 366 3814 0 School Bus 21 to 35 seats 201 227 241 253 269 283 298 310 353 368 383 400 416 4334 0 School Bus 36 to 50 seats 227 253 269 283 298 310 342 353 357 371 389 404 418 4354 0 School Bus 51 seats or more 253 283 298 310 342 353 356 361 368 383 400 416 433 4514 0 Taxi/Livery Passenger Vehicle 49024 0 Tow Truck 4,540 kg or less GVW 371 433 448 465 484 502 519 534 550 563 585 609 626 639 660 689 702 724 744 767 792 809 832 857 876 901 926 944 964 987 1007 1033 1055 1066 1082 10954 0 Tow Truck 4,541 to 16,330 kg GVW 595 650 697 752 800 860 912 960 1006 1061 1115 1171 1219 1280 1334 1402 14184 0 Tow Truck 16,331 kg or more GVW 516 516 516 516 516 516 516 516 516 516 516 516 516 516 516 516 5164 0 Transit Bus 20 seats or less 497 534 572 686 808 884 925 966 1024 1065 1109 1153 1198 12444 0 Transit Bus 21 to 35 seats 562 604 727 850 952 998 1044 1090 1155 1202 1251 1301 1351 14044 0 Transit Bus 36 to 50 seats 572 663 808 908 965 1011 1058 1105 1171 1218 1268 1319 1370 14234 0 Transit Bus 51 seats or more 695 850 976 1023 1087 1139 1192 1245 1319 1372 1428 1486 1543 16034 0 U Drive Bus 10604 0 U Drive Moped 311 455 462 480 501 526 550 577 606 6234 0 U Drive Motorhome 9254 0 U Drive Passenger Vehicle 469 499 548 573 599 625 649 674 699 722 741 753 772 792 806 826 845 866 886 907 928 948 968 990 1010 1037 1072 1106 1142 1176 1211 1233 1235 1238 1258 12754 0 U Drive Truck 4,540 kg or less GVW 380 444 458 476 495 514 532 546 563 576 599 624 641 655 676 706 719 741 762 786 811 828 852 878 897 922 949 967 987 1011 1031 1058 1081 1092 1108 11224 0 U Drive Truck 4,541 to 16,330 kg GVW 239 261 280 302 321 346 367 386 404 426 448 471 490 514 536 563 5704 0 U Drive Truck 16,331 kg or more GVW 308 308 308 308 308 308 308 308 308 308 308 308 308 308 308 308 308

Commuter 0 All Purpose Motorcycle - Motorscooter 500 cc or less 311 461 489 508 530 556 582 610 641 660Commuter 5 All Purpose Motorcycle - Motorscooter 500 cc or less 295 438 465 483 503 528 553 579 609 627Commuter 10 All Purpose Motorcycle - Motorscooter 500 cc or less 280 415 440 457 477 500 524 549 577 594Commuter 15 All Purpose Motorcycle - Motorscooter 500 cc or less 264 392 416 432 450 473 495 518 545 561Commuter 20 All Purpose Motorcycle - Motorscooter 500 cc or less 249 369 391 406 424 445 466 488 513 528Commuter 25 All Purpose Motorcycle - Motorscooter 500 cc or less 233 346 367 381 397 417 436 457 481 495Commuter 26 All Purpose Motorcycle - Motorscooter 500 cc or less 230 341 362 376 392 411 431 451 474 488Commuter 27 All Purpose Motorcycle - Motorscooter 500 cc or less 227 337 357 371 387 406 425 445 468 482Commuter 28 All Purpose Motorcycle - Motorscooter 500 cc or less 224 332 352 366 382 400 419 439 462 475Commuter 29 All Purpose Motorcycle - Motorscooter 500 cc or less 221 327 347 361 376 395 413 433 455 469Commuter 30 All Purpose Motorcycle - Motorscooter 500 cc or less 218 323 342 356 371 389 407 427 449 462Commuter 33 All Purpose Motorcycle - Motorscooter 500 cc or less 208 309 328 340 355 373 390 409 429 442Commuter 0 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 448 583 593 616 643 675 706 740 777 800Commuter 5 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 426 554 563 585 611 641 671 703 738 760Commuter 10 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 403 525 534 554 579 607 635 666 699 720Commuter 15 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 381 496 504 524 547 574 600 629 660 680Commuter 20 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 358 466 474 493 514 540 565 592 622 640Commuter 25 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 336 437 445 462 482 506 529 555 583 600Commuter 26 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 332 431 439 456 476 499 522 548 575 592Commuter 27 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 327 426 433 450 469 493 515 540 567 584Commuter 28 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 323 420 427 444 463 486 508 533 559 576Commuter 29 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 318 414 421 437 457 479 501 525 552 568Commuter 30 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 314 408 415 431 450 472 494 518 544 560

June 14, 2013 Page 52 of 56


RATING GROUPS


Commuter 33 All Purpose Motorcycle - Motorscooter 501 to 1000 cc 300 391 397 413 431 452 473 496 521 536Commuter 0 All Purpose Motorcycle - Motorscooter 1001 cc or more 516 670 681 707 738 775 811 850 892 918Commuter 5 All Purpose Motorcycle - Motorscooter 1001 cc or more 490 636 647 672 701 736 770 807 847 872Commuter 10 All Purpose Motorcycle - Motorscooter 1001 cc or more 464 603 613 636 664 697 730 765 803 826Commuter 15 All Purpose Motorcycle - Motorscooter 1001 cc or more 439 569 579 601 627 659 689 722 758 780Commuter 20 All Purpose Motorcycle - Motorscooter 1001 cc or more 413 536 545 566 590 620 649 680 714 734Commuter 25 All Purpose Motorcycle - Motorscooter 1001 cc or more 387 502 511 530 553 581 608 637 669 688Commuter 26 All Purpose Motorcycle - Motorscooter 1001 cc or more 382 496 504 523 546 573 600 629 660 679Commuter 27 All Purpose Motorcycle - Motorscooter 1001 cc or more 377 489 497 516 539 566 592 620 651 670Commuter 28 All Purpose Motorcycle - Motorscooter 1001 cc or more 372 482 490 509 531 558 584 612 642 661Commuter 29 All Purpose Motorcycle - Motorscooter 1001 cc or more 366 476 484 502 524 550 576 603 633 652Commuter 30 All Purpose Motorcycle - Motorscooter 1001 cc or more 361 469 477 495 517 542 568 595 624 643Commuter 33 All Purpose Motorcycle - Motorscooter 1001 cc or more 346 449 456 474 494 519 543 569 598 615Commuter 0 All Purpose Motorcycle - Other 500 cc or less 899 935 951 987 1030 1082 1132 1187 1246 1283Commuter 5 All Purpose Motorcycle - Other 500 cc or less 854 888 903 938 978 1028 1075 1128 1184 1219Commuter 10 All Purpose Motorcycle - Other 500 cc or less 809 841 856 888 927 974 1019 1068 1121 1155Commuter 15 All Purpose Motorcycle - Other 500 cc or less 764 795 808 839 875 920 962 1009 1059 1091Commuter 20 All Purpose Motorcycle - Other 500 cc or less 719 748 761 790 824 866 906 950 997 1026Commuter 25 All Purpose Motorcycle - Other 500 cc or less 674 701 713 740 772 811 849 890 934 962Commuter 26 All Purpose Motorcycle - Other 500 cc or less 665 692 704 730 762 801 838 878 922 949Commuter 27 All Purpose Motorcycle - Other 500 cc or less 656 683 694 721 752 790 826 867 910 937Commuter 28 All Purpose Motorcycle - Other 500 cc or less 647 673 685 711 742 779 815 855 897 924Commuter 29 All Purpose Motorcycle - Other 500 cc or less 638 664 675 701 731 768 804 843 885 911Commuter 30 All Purpose Motorcycle - Other 500 cc or less 629 654 666 691 721 757 792 831 872 898Commuter 33 All Purpose Motorcycle - Other 500 cc or less 602 626 637 661 690 725 758 795 835 860Commuter 0 All Purpose Motorcycle - Other 501 to 1000 cc 1324 1378 1401 1454 1518 1594 1668 1749 1836 1889Commuter 5 All Purpose Motorcycle - Other 501 to 1000 cc 1258 1309 1331 1381 1442 1514 1585 1662 1744 1795Commuter 10 All Purpose Motorcycle - Other 501 to 1000 cc 1192 1240 1261 1309 1366 1435 1501 1574 1652 1700Commuter 15 All Purpose Motorcycle - Other 501 to 1000 cc 1125 1171 1191 1236 1290 1355 1418 1487 1561 1606Commuter 20 All Purpose Motorcycle - Other 501 to 1000 cc 1059 1102 1121 1163 1214 1275 1334 1399 1469 1511Commuter 25 All Purpose Motorcycle - Other 501 to 1000 cc 993 1033 1051 1090 1138 1195 1251 1312 1377 1417Commuter 26 All Purpose Motorcycle - Other 501 to 1000 cc 980 1020 1037 1076 1123 1180 1234 1294 1359 1398Commuter 27 All Purpose Motorcycle - Other 501 to 1000 cc 967 1006 1023 1061 1108 1164 1218 1277 1340 1379Commuter 28 All Purpose Motorcycle - Other 501 to 1000 cc 953 992 1009 1047 1093 1148 1201 1259 1322 1360Commuter 29 All Purpose Motorcycle - Other 501 to 1000 cc 940 978 995 1032 1078 1132 1184 1242 1304 1341Commuter 30 All Purpose Motorcycle - Other 501 to 1000 cc 927 965 981 1018 1063 1116 1168 1224 1285 1322Commuter 33 All Purpose Motorcycle - Other 501 to 1000 cc 887 923 939 974 1017 1068 1118 1172 1230 1266Commuter 0 All Purpose Motorcycle - Other 1001 cc or more 1407 1464 1489 1545 1613 1693 1772 1858 1951 2008Commuter 5 All Purpose Motorcycle - Other 1001 cc or more 1337 1391 1415 1468 1532 1608 1683 1765 1853 1908Commuter 10 All Purpose Motorcycle - Other 1001 cc or more 1266 1318 1340 1390 1452 1524 1595 1672 1756 1807Commuter 15 All Purpose Motorcycle - Other 1001 cc or more 1196 1244 1266 1313 1371 1439 1506 1579 1658 1707Commuter 20 All Purpose Motorcycle - Other 1001 cc or more 1126 1171 1191 1236 1290 1354 1418 1486 1561 1606Commuter 25 All Purpose Motorcycle - Other 1001 cc or more 1055 1098 1117 1159 1210 1270 1329 1393 1463 1506Commuter 26 All Purpose Motorcycle - Other 1001 cc or more 1041 1083 1102 1143 1194 1253 1311 1375 1444 1486Commuter 27 All Purpose Motorcycle - Other 1001 cc or more 1027 1069 1087 1128 1177 1236 1294 1356 1424 1466Commuter 28 All Purpose Motorcycle - Other 1001 cc or more 1013 1054 1072 1112 1161 1219 1276 1338 1405 1446Commuter 29 All Purpose Motorcycle - Other 1001 cc or more 999 1039 1057 1097 1145 1202 1258 1319 1385 1426Commuter 30 All Purpose Motorcycle - Other 1001 cc or more 985 1025 1042 1081 1129 1185 1240 1301 1366 1406Commuter 33 All Purpose Motorcycle - Other 1001 cc or more 943 981 998 1035 1081 1134 1187 1245 1307 1345Commuter 0 All Purpose Motorcycle - Sport 500 cc or less 1220 1270 1291 1340 1399 1469 1537 1612 1692 1741Commuter 5 All Purpose Motorcycle - Sport 500 cc or less 1159 1206 1226 1273 1329 1396 1460 1531 1607 1654Commuter 10 All Purpose Motorcycle - Sport 500 cc or less 1098 1143 1162 1206 1259 1322 1383 1451 1523 1567Commuter 15 All Purpose Motorcycle - Sport 500 cc or less 1037 1079 1097 1139 1189 1249 1306 1370 1438 1480Commuter 20 All Purpose Motorcycle - Sport 500 cc or less 976 1016 1033 1072 1119 1175 1230 1290 1354 1393Commuter 25 All Purpose Motorcycle - Sport 500 cc or less 915 952 968 1005 1049 1102 1153 1209 1269 1306Commuter 26 All Purpose Motorcycle - Sport 500 cc or less 903 940 955 992 1035 1087 1137 1193 1252 1288Commuter 27 All Purpose Motorcycle - Sport 500 cc or less 891 927 942 978 1021 1072 1122 1177 1235 1271Commuter 28 All Purpose Motorcycle - Sport 500 cc or less 878 914 930 965 1007 1058 1107 1161 1218 1254Commuter 29 All Purpose Motorcycle - Sport 500 cc or less 866 902 917 951 993 1043 1091 1145 1201 1236Commuter 30 All Purpose Motorcycle - Sport 500 cc or less 854 889 904 938 979 1028 1076 1128 1184 1219Commuter 33 All Purpose Motorcycle - Sport 500 cc or less 817 851 865 898 937 984 1030 1080 1134 1166Commuter 0 All Purpose Motorcycle - Sport 501 to 1000 cc 1838 1913 1946 2020 2108 2213 2316 2429 2549 2624

June 14, 2013 Page 53 of 56


RATING GROUPS


Commuter 5 All Purpose Motorcycle - Sport 501 to 1000 cc 1746 1817 1849 1919 2003 2102 2200 2308 2422 2493Commuter 10 All Purpose Motorcycle - Sport 501 to 1000 cc 1654 1722 1751 1818 1897 1992 2084 2186 2294 2362Commuter 15 All Purpose Motorcycle - Sport 501 to 1000 cc 1562 1626 1654 1717 1792 1881 1969 2065 2167 2230Commuter 20 All Purpose Motorcycle - Sport 501 to 1000 cc 1470 1530 1557 1616 1686 1770 1853 1943 2039 2099Commuter 25 All Purpose Motorcycle - Sport 501 to 1000 cc 1378 1435 1459 1515 1581 1660 1737 1822 1912 1968Commuter 26 All Purpose Motorcycle - Sport 501 to 1000 cc 1360 1416 1440 1495 1560 1638 1714 1797 1886 1942Commuter 27 All Purpose Motorcycle - Sport 501 to 1000 cc 1342 1396 1421 1475 1539 1615 1691 1773 1861 1916Commuter 28 All Purpose Motorcycle - Sport 501 to 1000 cc 1323 1377 1401 1454 1518 1593 1668 1749 1835 1889Commuter 29 All Purpose Motorcycle - Sport 501 to 1000 cc 1305 1358 1382 1434 1497 1571 1644 1725 1810 1863Commuter 30 All Purpose Motorcycle - Sport 501 to 1000 cc 1287 1339 1362 1414 1476 1549 1621 1700 1784 1837Commuter 33 All Purpose Motorcycle - Sport 501 to 1000 cc 1231 1282 1304 1353 1412 1483 1552 1627 1708 1758Commuter 0 All Purpose Motorcycle - Sport 1001 cc or more 2307 2401 2442 2535 2645 2777 2907 3048 3199 3293Commuter 5 All Purpose Motorcycle - Sport 1001 cc or more 2192 2281 2320 2408 2513 2638 2762 2896 3039 3128Commuter 10 All Purpose Motorcycle - Sport 1001 cc or more 2076 2161 2198 2281 2380 2499 2616 2743 2879 2964Commuter 15 All Purpose Motorcycle - Sport 1001 cc or more 1961 2041 2076 2155 2248 2360 2471 2591 2719 2799Commuter 20 All Purpose Motorcycle - Sport 1001 cc or more 1846 1921 1954 2028 2116 2222 2326 2438 2559 2634Commuter 25 All Purpose Motorcycle - Sport 1001 cc or more 1730 1801 1831 1901 1984 2083 2180 2286 2399 2470Commuter 26 All Purpose Motorcycle - Sport 1001 cc or more 1707 1777 1807 1876 1957 2055 2151 2256 2367 2437Commuter 27 All Purpose Motorcycle - Sport 1001 cc or more 1684 1753 1783 1851 1931 2027 2122 2225 2335 2404Commuter 28 All Purpose Motorcycle - Sport 1001 cc or more 1661 1729 1758 1825 1904 1999 2093 2195 2303 2371Commuter 29 All Purpose Motorcycle - Sport 1001 cc or more 1638 1705 1734 1800 1878 1972 2064 2164 2271 2338Commuter 30 All Purpose Motorcycle - Sport 1001 cc or more 1615 1681 1709 1774 1851 1944 2035 2134 2239 2305Commuter 33 All Purpose Motorcycle - Sport 1001 cc or more 1546 1609 1636 1698 1772 1861 1948 2042 2143 2206Commuter 0 All Purpose Motorcycle - Sport Touring 500 cc or less 1153 1200 1220 1267 1322 1388 1453 1523 1599 1646Commuter 5 All Purpose Motorcycle - Sport Touring 500 cc or less 1095 1140 1159 1204 1256 1319 1380 1447 1519 1564Commuter 10 All Purpose Motorcycle - Sport Touring 500 cc or less 1038 1080 1098 1140 1190 1249 1308 1371 1439 1481Commuter 15 All Purpose Motorcycle - Sport Touring 500 cc or less 980 1020 1037 1077 1124 1180 1235 1295 1359 1399Commuter 20 All Purpose Motorcycle - Sport Touring 500 cc or less 922 960 976 1014 1058 1110 1162 1218 1279 1317Commuter 25 All Purpose Motorcycle - Sport Touring 500 cc or less 865 900 915 950 991 1041 1090 1142 1199 1234Commuter 26 All Purpose Motorcycle - Sport Touring 500 cc or less 853 888 903 938 978 1027 1075 1127 1183 1218Commuter 27 All Purpose Motorcycle - Sport Touring 500 cc or less 842 876 891 925 965 1013 1061 1112 1167 1202Commuter 28 All Purpose Motorcycle - Sport Touring 500 cc or less 830 864 878 912 952 999 1046 1097 1151 1185Commuter 29 All Purpose Motorcycle - Sport Touring 500 cc or less 819 852 866 900 939 985 1032 1081 1135 1169Commuter 30 All Purpose Motorcycle - Sport Touring 500 cc or less 807 840 854 887 925 972 1017 1066 1119 1152Commuter 33 All Purpose Motorcycle - Sport Touring 500 cc or less 773 804 817 849 886 930 974 1020 1071 1103Commuter 0 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1392 1449 1474 1530 1596 1676 1754 1840 1931 1987Commuter 5 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1322 1377 1400 1453 1516 1592 1666 1748 1834 1888Commuter 10 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1253 1304 1327 1377 1436 1508 1579 1656 1738 1788Commuter 15 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1183 1232 1253 1300 1357 1425 1491 1564 1641 1689Commuter 20 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1114 1159 1179 1224 1277 1341 1403 1472 1545 1590Commuter 25 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1044 1087 1105 1147 1197 1257 1315 1380 1448 1490Commuter 26 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1030 1072 1091 1132 1181 1240 1298 1362 1429 1470Commuter 27 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1016 1058 1076 1117 1165 1223 1280 1343 1410 1451Commuter 28 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 1002 1043 1061 1102 1149 1207 1263 1325 1390 1431Commuter 29 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 988 1029 1047 1086 1133 1190 1245 1306 1371 1411Commuter 30 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 974 1014 1032 1071 1117 1173 1228 1288 1352 1391Commuter 33 All Purpose Motorcycle - Sport Touring 501 to 1000 cc 933 971 988 1025 1069 1123 1175 1233 1294 1331Commuter 0 All Purpose Motorcycle - Sport Touring 1001 cc or more 1656 1723 1753 1819 1898 1993 2086 2188 2296 2363Commuter 5 All Purpose Motorcycle - Sport Touring 1001 cc or more 1573 1637 1665 1728 1803 1893 1982 2079 2181 2245Commuter 10 All Purpose Motorcycle - Sport Touring 1001 cc or more 1490 1551 1578 1637 1708 1794 1877 1969 2066 2127Commuter 15 All Purpose Motorcycle - Sport Touring 1001 cc or more 1408 1465 1490 1546 1613 1694 1773 1860 1952 2009Commuter 20 All Purpose Motorcycle - Sport Touring 1001 cc or more 1325 1378 1402 1455 1518 1594 1669 1750 1837 1890Commuter 25 All Purpose Motorcycle - Sport Touring 1001 cc or more 1242 1292 1315 1364 1423 1495 1564 1641 1722 1772Commuter 26 All Purpose Motorcycle - Sport Touring 1001 cc or more 1225 1275 1297 1346 1405 1475 1544 1619 1699 1749Commuter 27 All Purpose Motorcycle - Sport Touring 1001 cc or more 1209 1258 1280 1328 1386 1455 1523 1597 1676 1725Commuter 28 All Purpose Motorcycle - Sport Touring 1001 cc or more 1192 1241 1262 1310 1367 1435 1502 1575 1653 1701Commuter 29 All Purpose Motorcycle - Sport Touring 1001 cc or more 1176 1223 1245 1291 1348 1415 1481 1553 1630 1678Commuter 30 All Purpose Motorcycle - Sport Touring 1001 cc or more 1159 1206 1227 1273 1329 1395 1460 1532 1607 1654Commuter 33 All Purpose Motorcycle - Sport Touring 1001 cc or more 1110 1154 1175 1219 1272 1335 1398 1466 1538 1583Commuter 0 All Purpose Motorcycle - Touring 500 cc or less 1012 1053 1071 1112 1160 1218 1275 1337 1403 1445Commuter 5 All Purpose Motorcycle - Touring 500 cc or less 961 1000 1017 1056 1102 1157 1211 1270 1333 1373Commuter 10 All Purpose Motorcycle - Touring 500 cc or less 911 948 964 1001 1044 1096 1147 1203 1263 1300

June 14, 2013 Page 54 of 56


RATING GROUPS


Commuter 15 All Purpose Motorcycle - Touring 500 cc or less 860 895 910 945 986 1035 1084 1136 1193 1228Commuter 20 All Purpose Motorcycle - Touring 500 cc or less 810 842 857 890 928 974 1020 1070 1122 1156Commuter 25 All Purpose Motorcycle - Touring 500 cc or less 759 790 803 834 870 913 956 1003 1052 1084Commuter 26 All Purpose Motorcycle - Touring 500 cc or less 749 779 793 823 858 901 943 989 1038 1069Commuter 27 All Purpose Motorcycle - Touring 500 cc or less 739 769 782 812 847 889 931 976 1024 1055Commuter 28 All Purpose Motorcycle - Touring 500 cc or less 729 758 771 801 835 877 918 963 1010 1040Commuter 29 All Purpose Motorcycle - Touring 500 cc or less 719 748 760 790 824 865 905 949 996 1026Commuter 30 All Purpose Motorcycle - Touring 500 cc or less 708 737 750 778 812 853 892 936 982 1011Commuter 33 All Purpose Motorcycle - Touring 500 cc or less 678 706 718 745 777 816 854 896 940 968Commuter 0 All Purpose Motorcycle - Touring 501 to 1000 cc 1217 1267 1289 1338 1396 1466 1534 1609 1688 1738Commuter 5 All Purpose Motorcycle - Touring 501 to 1000 cc 1156 1204 1225 1271 1326 1393 1457 1529 1604 1651Commuter 10 All Purpose Motorcycle - Touring 501 to 1000 cc 1095 1140 1160 1204 1256 1319 1381 1448 1519 1564Commuter 15 All Purpose Motorcycle - Touring 501 to 1000 cc 1034 1077 1096 1137 1187 1246 1304 1368 1435 1477Commuter 20 All Purpose Motorcycle - Touring 501 to 1000 cc 974 1014 1031 1070 1117 1173 1227 1287 1350 1390Commuter 25 All Purpose Motorcycle - Touring 501 to 1000 cc 913 950 967 1003 1047 1099 1150 1207 1266 1303Commuter 26 All Purpose Motorcycle - Touring 501 to 1000 cc 901 938 954 990 1033 1085 1135 1191 1249 1286Commuter 27 All Purpose Motorcycle - Touring 501 to 1000 cc 888 925 941 977 1019 1070 1120 1175 1232 1269Commuter 28 All Purpose Motorcycle - Touring 501 to 1000 cc 876 912 928 963 1005 1056 1104 1158 1215 1251Commuter 29 All Purpose Motorcycle - Touring 501 to 1000 cc 864 900 915 950 991 1041 1089 1142 1198 1234Commuter 30 All Purpose Motorcycle - Touring 501 to 1000 cc 852 887 902 937 977 1026 1074 1126 1182 1217Commuter 33 All Purpose Motorcycle - Touring 501 to 1000 cc 815 849 864 896 935 982 1028 1078 1131 1164Commuter 0 All Purpose Motorcycle - Touring 1001 cc or more 1345 1400 1423 1477 1542 1619 1694 1777 1865 1919Commuter 5 All Purpose Motorcycle - Touring 1001 cc or more 1278 1330 1352 1403 1465 1538 1609 1688 1772 1823Commuter 10 All Purpose Motorcycle - Touring 1001 cc or more 1210 1260 1281 1329 1388 1457 1525 1599 1678 1727Commuter 15 All Purpose Motorcycle - Touring 1001 cc or more 1143 1190 1210 1255 1311 1376 1440 1510 1585 1631Commuter 20 All Purpose Motorcycle - Touring 1001 cc or more 1076 1120 1138 1182 1234 1295 1355 1422 1492 1535Commuter 25 All Purpose Motorcycle - Touring 1001 cc or more 1009 1050 1067 1108 1156 1214 1270 1333 1399 1439Commuter 26 All Purpose Motorcycle - Touring 1001 cc or more 995 1036 1053 1093 1141 1198 1254 1315 1380 1420Commuter 27 All Purpose Motorcycle - Touring 1001 cc or more 982 1022 1039 1078 1126 1182 1237 1297 1361 1401Commuter 28 All Purpose Motorcycle - Touring 1001 cc or more 968 1008 1025 1063 1110 1166 1220 1279 1343 1382Commuter 29 All Purpose Motorcycle - Touring 1001 cc or more 955 994 1010 1049 1095 1149 1203 1262 1324 1362Commuter 30 All Purpose Motorcycle - Touring 1001 cc or more 941 980 996 1034 1079 1133 1186 1244 1305 1343Commuter 33 All Purpose Motorcycle - Touring 1001 cc or more 901 938 953 990 1033 1085 1135 1191 1250 1286Commuter 0 All Purpose Motorhome 542 622 702 787 882 963 1047 1149 1256 1271 1399Commuter 5 All Purpose Motorhome 515 591 667 748 838 915 995 1092 1193 1207 1329Commuter 10 All Purpose Motorhome 488 560 632 708 794 867 942 1034 1130 1144 1259Commuter 15 All Purpose Motorhome 461 529 597 669 750 819 890 977 1068 1080 1189Commuter 20 All Purpose Motorhome 434 498 562 630 706 770 838 919 1005 1017 1119Commuter 25 All Purpose Motorhome 406 466 526 590 661 722 785 862 942 953 1049Commuter 26 All Purpose Motorhome 401 460 519 582 653 713 775 850 929 941 1035Commuter 27 All Purpose Motorhome 396 454 512 575 644 703 764 839 917 928 1021Commuter 28 All Purpose Motorhome 390 448 505 567 635 693 754 827 904 915 1007Commuter 29 All Purpose Motorhome 385 442 498 559 626 684 743 816 892 902 993Commuter 30 All Purpose Motorhome 379 435 491 551 617 674 733 804 879 890 979Commuter 33 All Purpose Motorhome 363 417 470 527 591 645 701 770 842 852 937Commuter 0 All Purpose Passenger Vehicle 681 724 795 831 870 907 942 978 1015 1048 1076 1092 1121 1149 1169 1198 1227 1257 1286 1316 1346 1376 1405 1436 1466 1505 1555 1605 1657 1706 1758 1789 1793 1797 1826 1851Commuter 5 All Purpose Passenger Vehicle 647 688 755 789 826 862 895 929 964 996 1022 1037 1065 1092 1111 1138 1166 1194 1222 1250 1279 1307 1335 1364 1393 1430 1477 1525 1574 1621 1670 1700 1703 1707 1735 1758Commuter 10 All Purpose Passenger Vehicle 613 652 715 748 783 816 848 880 913 943 968 983 1009 1034 1052 1078 1104 1131 1157 1184 1211 1238 1264 1292 1319 1354 1399 1444 1491 1535 1582 1610 1614 1617 1643 1666Commuter 15 All Purpose Passenger Vehicle 579 615 676 706 739 771 801 831 863 891 915 928 953 977 994 1018 1043 1068 1093 1119 1144 1170 1194 1221 1246 1279 1322 1364 1408 1450 1494 1521 1524 1527 1552 1573Commuter 20 All Purpose Passenger Vehicle 545 579 636 665 696 726 754 782 812 838 861 874 897 919 935 958 982 1006 1029 1053 1077 1101 1124 1149 1173 1204 1244 1284 1326 1365 1406 1431 1434 1438 1461 1481Commuter 25 All Purpose Passenger Vehicle 511 543 596 623 652 680 706 733 761 786 807 819 841 862 877 898 920 943 964 987 1009 1032 1054 1077 1099 1129 1166 1204 1243 1279 1318 1342 1345 1348 1369 1388Commuter 26 All Purpose Passenger Vehicle 504 536 588 615 644 671 697 724 751 776 796 808 830 850 865 887 908 930 952 974 996 1018 1040 1063 1085 1114 1151 1188 1226 1262 1301 1324 1327 1330 1351 1370Commuter 27 All Purpose Passenger Vehicle 497 529 580 607 635 662 688 714 741 765 785 797 818 839 853 875 896 918 939 961 983 1004 1026 1048 1070 1099 1135 1172 1210 1245 1283 1306 1309 1312 1333 1351Commuter 28 All Purpose Passenger Vehicle 490 521 572 598 626 653 678 704 731 755 775 786 807 827 842 863 883 905 926 948 969 991 1012 1034 1056 1084 1120 1156 1193 1228 1266 1288 1291 1294 1315 1333Commuter 29 All Purpose Passenger Vehicle 484 514 564 590 618 644 669 694 721 744 764 775 796 816 830 851 871 892 913 934 956 977 998 1020 1041 1069 1104 1140 1176 1211 1248 1270 1273 1276 1296 1314Commuter 30 All Purpose Passenger Vehicle 477 507 556 582 609 635 659 685 710 734 753 764 785 804 818 839 859 880 900 921 942 963 983 1005 1026 1053 1088 1123 1160 1194 1231 1252 1255 1258 1278 1296Commuter 33 All Purpose Passenger Vehicle 456 485 533 557 583 608 631 655 680 702 721 732 751 770 783 803 822 842 862 882 902 922 941 962 982 1008 1042 1075 1110 1143 1178 1199 1201 1204 1223 1240Commuter 0 All Purpose Truck 4,540 kg or less GVW 501 586 605 629 654 679 702 721 744 761 791 823 846 864 892 932 949 978 1006 1037 1070 1093 1124 1158 1185 1217 1252 1277 1303 1334 1361 1396 1427 1441 1462 1481Commuter 5 All Purpose Truck 4,540 kg or less GVW 476 557 575 598 621 645 667 685 707 723 751 782 804 821 847 885 902 929 956 985 1016 1038 1068 1100 1126 1156 1189 1213 1238 1267 1293 1326 1356 1369 1389 1407Commuter 10 All Purpose Truck 4,540 kg or less GVW 451 527 544 566 589 611 632 649 670 685 712 741 761 778 803 839 854 880 905 933 963 984 1012 1042 1066 1095 1127 1149 1173 1201 1225 1256 1284 1297 1316 1333Commuter 15 All Purpose Truck 4,540 kg or less GVW 426 498 514 535 556 577 597 613 632 647 672 700 719 734 758 792 807 831 855 881 909 929 955 984 1007 1034 1064 1085 1108 1134 1157 1187 1213 1225 1243 1259Commuter 20 All Purpose Truck 4,540 kg or less GVW 401 469 484 503 523 543 562 577 595 609 633 658 677 691 714 746 759 782 805 830 856 874 899 926 948 974 1002 1022 1042 1067 1089 1117 1142 1153 1170 1185

June 14, 2013 Page 55 of 56


RATING GROUPS


Commuter 25 All Purpose Truck 4,540 kg or less GVW 376 439 454 472 490 509 526 541 558 571 593 617 634 648 669 699 712 733 754 778 802 820 843 868 889 913 939 958 977 1000 1021 1047 1070 1081 1096 1111Commuter 26 All Purpose Truck 4,540 kg or less GVW 371 434 448 465 484 502 519 534 551 563 585 609 626 639 660 690 702 724 744 767 792 809 832 857 877 901 926 945 964 987 1007 1033 1056 1066 1082 1096Commuter 27 All Purpose Truck 4,540 kg or less GVW 366 428 442 459 477 496 512 526 543 556 577 601 618 631 651 680 693 714 734 757 781 798 821 845 865 888 914 932 951 974 994 1019 1042 1052 1067 1081Commuter 28 All Purpose Truck 4,540 kg or less GVW 361 422 436 453 471 489 505 519 536 548 570 593 609 622 642 671 683 704 724 747 770 787 809 834 853 876 901 919 938 960 980 1005 1027 1038 1053 1066Commuter 29 All Purpose Truck 4,540 kg or less GVW 356 416 430 447 464 482 498 512 528 540 562 584 601 613 633 662 674 694 714 736 760 776 798 822 841 864 889 907 925 947 966 991 1013 1023 1038 1052Commuter 30 All Purpose Truck 4,540 kg or less GVW 351 410 423 440 458 475 491 505 521 533 554 576 592 605 624 652 664 685 704 726 749 765 787 811 829 852 876 894 912 934 953 977 999 1009 1023 1037Commuter 33 All Purpose Truck 4,540 kg or less GVW 336 393 405 421 438 455 470 483 498 510 530 551 567 579 598 624 636 655 674 695 717 732 753 776 794 815 839 856 873 894 912 935 956 965 980 992Commuter 0 Artisan Truck 4,540 kg or less GVW 400 467 483 502 522 542 560 576 594 607 631 657 675 690 712 744 758 781 803 828 854 873 897 925 946 972 999 1019 1040 1065 1086 1115 1139 1150 1167 1182Commuter 5 Artisan Truck 4,540 kg or less GVW 380 444 459 477 496 515 532 547 564 577 599 624 641 655 676 707 720 742 763 787 811 829 852 879 899 923 949 968 988 1012 1032 1059 1082 1092 1109 1123Commuter 10 Artisan Truck 4,540 kg or less GVW 360 420 435 452 470 488 504 518 535 546 568 591 607 621 641 670 682 703 723 745 769 786 807 832 851 875 899 917 936 958 977 1003 1025 1035 1050 1064Commuter 15 Artisan Truck 4,540 kg or less GVW 340 397 411 427 444 461 476 490 505 516 536 558 574 586 605 632 644 664 683 704 726 742 762 786 804 826 849 866 884 905 923 948 968 977 992 1005Commuter 20 Artisan Truck 4,540 kg or less GVW 320 374 386 402 418 434 448 461 475 486 505 526 540 552 570 595 606 625 642 662 683 698 718 740 757 778 799 815 832 852 869 892 911 920 934 946Commuter 25 Artisan Truck 4,540 kg or less GVW 300 350 362 376 391 406 420 432 445 455 473 493 506 517 534 558 568 586 602 621 640 655 673 694 709 729 749 764 780 799 814 836 854 862 875 886Commuter 26 Artisan Truck 4,540 kg or less GVW 296 346 357 371 386 401 414 426 440 449 467 486 499 511 527 551 561 578 594 613 632 646 664 684 700 719 739 754 770 788 804 825 843 851 864 875Commuter 27 Artisan Truck 4,540 kg or less GVW 292 341 353 366 381 396 409 420 434 443 461 480 493 504 520 543 553 570 586 604 623 637 655 675 691 710 729 744 759 777 793 814 831 839 852 863Commuter 28 Artisan Truck 4,540 kg or less GVW 288 336 348 361 376 390 403 415 428 437 454 473 486 497 513 536 546 562 578 596 615 629 646 666 681 700 719 734 749 767 782 803 820 828 840 851Commuter 29 Artisan Truck 4,540 kg or less GVW 284 332 343 356 371 385 398 409 422 431 448 466 479 490 506 528 538 555 570 588 606 620 637 657 672 690 709 723 738 756 771 792 809 816 829 839Commuter 30 Artisan Truck 4,540 kg or less GVW 280 327 338 351 365 379 392 403 416 425 442 460 472 483 498 521 531 547 562 580 598 611 628 647 662 680 699 713 728 745 760 780 797 805 817 827Commuter 33 Artisan Truck 4,540 kg or less GVW 268 313 324 336 350 363 375 386 398 407 423 440 452 462 477 498 508 523 538 555 572 585 601 620 634 651 669 683 697 714 728 747 763 770 782 792Commuter 0 Artisan Truck 4,541 to 16,330 kg GVW 477 521 558 602 641 689 731 769 806 850 893 938 976 1025 1069 1123 1135Commuter 5 Artisan Truck 4,541 to 16,330 kg GVW 453 495 530 572 609 655 694 731 766 807 848 891 927 974 1016 1067 1078Commuter 10 Artisan Truck 4,541 to 16,330 kg GVW 429 469 502 542 577 620 658 692 725 765 804 844 878 922 962 1011 1021Commuter 15 Artisan Truck 4,541 to 16,330 kg GVW 405 443 474 512 545 586 621 654 685 722 759 797 830 871 909 955 965Commuter 20 Artisan Truck 4,541 to 16,330 kg GVW 382 417 446 482 513 551 585 615 645 680 714 750 781 820 855 898 908Commuter 25 Artisan Truck 4,541 to 16,330 kg GVW 358 391 418 451 481 517 548 577 604 637 670 703 732 769 802 842 851Commuter 26 Artisan Truck 4,541 to 16,330 kg GVW 353 386 413 445 474 510 541 569 596 629 661 694 722 758 791 831 840Commuter 27 Artisan Truck 4,541 to 16,330 kg GVW 348 380 407 439 468 503 534 561 588 620 652 685 712 748 780 820 829Commuter 28 Artisan Truck 4,541 to 16,330 kg GVW 343 375 402 433 462 496 526 554 580 612 643 675 703 738 770 809 817Commuter 29 Artisan Truck 4,541 to 16,330 kg GVW 339 370 396 427 455 489 519 546 572 603 634 666 693 728 759 797 806Commuter 30 Artisan Truck 4,541 to 16,330 kg GVW 334 365 391 421 449 482 512 538 564 595 625 657 683 717 748 786 794Commuter 33 Artisan Truck 4,541 to 16,330 kg GVW 320 349 374 403 429 462 490 515 540 569 598 628 654 687 716 752 760Commuter 0 Farming All Purpose Truck 4,540 kg or less GVW 414 484 500 520 541 562 580 596 615 629 654 681 700 715 738 771 785 809 832 858 885 904 930 958 980 1007 1036 1056 1078 1103 1125 1155 1180 1192 1209 1225Commuter 5 Farming All Purpose Truck 4,540 kg or less GVW 393 460 475 494 514 534 551 566 584 598 621 647 665 679 701 732 746 769 790 815 841 859 883 910 931 957 984 1003 1024 1048 1069 1097 1121 1132 1149 1164Commuter 10 Farming All Purpose Truck 4,540 kg or less GVW 373 436 450 468 487 506 522 536 553 566 589 613 630 643 664 694 706 728 749 772 796 814 837 862 882 906 932 950 970 993 1012 1039 1062 1073 1088 1102Commuter 15 Farming All Purpose Truck 4,540 kg or less GVW 352 411 425 442 460 478 493 507 523 535 556 579 595 608 627 655 667 688 707 729 752 768 790 814 833 856 881 898 916 938 956 982 1003 1013 1028 1041Commuter 20 Farming All Purpose Truck 4,540 kg or less GVW 331 387 400 416 433 450 464 477 492 503 523 545 560 572 590 617 628 647 666 686 708 723 744 766 784 806 829 845 862 882 900 924 944 954 967 980Commuter 25 Farming All Purpose Truck 4,540 kg or less GVW 310 363 375 390 406 421 435 447 461 472 490 511 525 536 553 578 589 607 624 643 664 678 697 718 735 755 777 792 808 827 844 866 885 894 907 919Commuter 26 Farming All Purpose Truck 4,540 kg or less GVW 306 358 370 385 400 416 429 441 455 465 484 504 518 529 546 571 581 599 616 635 655 669 688 709 725 745 767 781 798 816 832 855 873 882 895 906Commuter 27 Farming All Purpose Truck 4,540 kg or less GVW 302 353 365 380 395 410 423 435 449 459 477 497 511 522 539 563 573 591 607 626 646 660 679 699 715 735 756 771 787 805 821 843 861 870 883 894Commuter 28 Farming All Purpose Truck 4,540 kg or less GVW 298 348 360 374 390 405 418 429 443 453 471 490 504 515 531 555 565 582 599 618 637 651 670 690 706 725 746 760 776 794 810 832 850 858 870 882Commuter 29 Farming All Purpose Truck 4,540 kg or less GVW 294 344 355 369 384 399 412 423 437 447 464 484 497 508 524 547 557 574 591 609 628 642 660 680 696 715 736 750 765 783 799 820 838 846 858 870Commuter 30 Farming All Purpose Truck 4,540 kg or less GVW 290 339 350 364 379 393 406 417 430 440 458 477 490 500 517 540 549 566 582 601 619 633 651 671 686 705 725 739 755 772 787 808 826 834 846 857Commuter 33 Farming All Purpose Truck 4,540 kg or less GVW 277 324 335 348 362 377 389 399 412 421 438 456 469 479 494 517 526 542 557 575 593 606 623 642 657 675 694 708 722 739 754 774 791 799 810 821Commuter 0 Fishing All Purpose Truck 4,540 kg or less GVW 663 774 800 832 865 898 928 954 984 1006 1045 1089 1119 1143 1180 1233 1256 1294 1330 1372 1415 1446 1487 1532 1567 1610 1656 1688 1723 1764 1800 1847 1887 1906 1933 1958Commuter 5 Fishing All Purpose Truck 4,540 kg or less GVW 630 735 760 790 822 853 882 906 935 956 993 1035 1063 1086 1121 1171 1193 1229 1263 1303 1344 1374 1413 1455 1489 1529 1573 1604 1637 1676 1710 1755 1793 1811 1836 1860Commuter 10 Fishing All Purpose Truck 4,540 kg or less GVW 597 697 720 749 778 808 835 859 886 905 940 980 1007 1029 1062 1110 1130 1165 1197 1235 1273 1301 1338 1379 1410 1449 1490 1519 1551 1588 1620 1662 1698 1715 1740 1762Commuter 15 Fishing All Purpose Truck 4,540 kg or less GVW 564 658 680 707 735 763 789 811 836 855 888 926 951 972 1003 1048 1068 1100 1130 1166 1203 1229 1264 1302 1332 1368 1408 1435 1465 1499 1530 1570 1604 1620 1643 1664Commuter 20 Fishing All Purpose Truck 4,540 kg or less GVW 530 619 640 666 692 718 742 763 787 805 836 871 895 914 944 986 1005 1035 1064 1098 1132 1157 1190 1226 1254 1288 1325 1350 1378 1411 1440 1478 1510 1525 1546 1566Commuter 25 Fishing All Purpose Truck 4,540 kg or less GVW 497 580 600 624 649 673 696 715 738 754 784 817 839 857 885 925 942 970 997 1029 1061 1084 1115 1149 1175 1207 1242 1266 1292 1323 1350 1385 1415 1429 1450 1468Commuter 26 Fishing All Purpose Truck 4,540 kg or less GVW 491 573 592 616 640 665 687 706 728 744 773 806 828 846 873 912 929 958 984 1015 1047 1070 1100 1134 1160 1191 1225 1249 1275 1305 1332 1367 1396 1410 1430 1449Commuter 27 Fishing All Purpose Truck 4,540 kg or less GVW 484 565 584 607 631 656 677 696 718 734 763 795 817 834 861 900 917 945 971 1002 1033 1056 1086 1118 1144 1175 1209 1232 1258 1288 1314 1348 1378 1391 1411 1429Commuter 28 Fishing All Purpose Truck 4,540 kg or less GVW 477 557 576 599 623 647 668 687 708 724 752 784 806 823 850 888 904 932 958 988 1019 1041 1071 1103 1128 1159 1192 1215 1241 1270 1296 1330 1359 1372 1392 1410Commuter 29 Fishing All Purpose Truck 4,540 kg or less GVW 471 550 568 591 614 638 659 677 699 714 742 773 794 812 838 875 892 919 944 974 1005 1027 1056 1088 1113 1143 1176 1198 1223 1252 1278 1311 1340 1353 1372 1390Commuter 30 Fishing All Purpose Truck 4,540 kg or less GVW 464 542 560 582 605 629 650 668 689 704 731 762 783 800 826 863 879 906 931 960 990 1012 1041 1072 1097 1127 1159 1182 1206 1235 1260 1293 1321 1334 1353 1371Commuter 33 Fishing All Purpose Truck 4,540 kg or less GVW 444 519 536 557 580 602 622 639 659 674 700 730 750 766 791 826 842 867 891 919 948 969 996 1026 1050 1079 1110 1131 1154 1182 1206 1237 1264 1277 1295 1312Commuter 0 Other Truck 4,540 kg or less GVW 345 403 417 433 450 468 483 497 512 524 544 567 582 595 614 642 654 674 692 714 737 753 774 798 816 838 862 879 897 919 937 961 982 992 1007 1020Commuter 0 Other Truck 4,541 to 16,330 kg GVW 515 563 603 650 692 744 789 830 870 918 965 1013 1055 1108 1154 1212 1226

June 14, 2013 Page 56 of 56

June 14, 2013 2014 RATE APPLICATION Application – AP.1

Page 1


MISCELLANEOUS PERMITS AND CERTIFICATES

Insurance Use

Purpose

Premium

1. Interim Registration Permit 7-Day Permit (issued by Dealers)

$29

2. Temporary Public Service Vehicle (PSV) Permits

Breakdown Permit (PSVs and Taxis to a maximum of 15 days)¹

Limited Permit (6 month maximum)²

$29

3. Temporary Registration

- Manitoba Resident - Non-Manitoba Resident

1 to 5 Days

Each Additional Day (30 day maximum)

$29

$5

¹ Issued by Motor Transport Board (PSV) and Taxicab Board (Taxi) ² Issued by Motor Transport Board

No Premium charge for Commercial Truck Limited Permit PSV Limited Permit no longer issued

June 14,2013 2014 Rate APPLICATION Application - AP.1

Page 1

MANITOBA PUBLIC INSURANCE DRIVER LICENCE PREMIUMS and VEHICLE PREMIUM DISCOUNTS

For 2014/15, no changes are proposed to the Driver Licence Premiums or Vehicle Premium

Discount levels.

DSR Level 2014

Driver Premium 2014 Vehicle

Premium Discount 15 $15 33% 14 $20 30% 13 $20 29% 12 $20 28% 11 $20 27% 10 $20 26% 9 $25 25% 8 $30 25%

Merits 7 $30 25% 6 $30 20%

5 $30 15%

4 $30 15%

3 $35 10% 2 $35 10% 1 $40 5%

Base 0 $45 0% -1 $100 0% -2 $100 0% -3 $200 0% -4 $200 0% -5 $300 0% -6 $300 0% -7 $400 0%

Demerits -8 $400 0% -9 $500 0% -10 $500 0% -11 $700 0% -12 $900 0% -13 $1,100 0% -14 $1,300 0%

-15 $1,500 0%

-16 $1,700 0%

-17 $1,900 0%

-18 $2,100 0%

-19 $2,300 0%

-20 $2,500 0%

June 14, 2013 2014 RATE APPLICATION Service and Transaction Fees – AP.1

Page 1


BASIC AUTOPAC SERVICE AND TRANSACTION FEES

NAME FEE

Dishonoured Cheque $20

Dishonoured Cheque (Electronic) $20

Late Payment $20

4 Payment Financing $4 Plus Financing at Prime Plus 2%

12 Pre-Authorized Payment Financing $4 Plus Financing at Prime Plus 2%

Mid-Term Change 4 Payment to 12 Pre-

Authorized Payment Financing

$4 Plus Interest Adjustment

Ownership Document $9

Transfer $9

Load Increase/Decrease $9

Vehicle Class Change $9

Estate-to-Spouse Transfer $9

Sticker Replacement $9

Plate Replacement includes sticker

(except Semi-trailer)

$9

Plate Replacement - Semi-trailer $4

Registration Card Replacement $9

Coverage Reduction $15

Claims Record Request $15

Request for Proof of Insurance $15

Historical Document Request $15

June 14, 2013 2014 RATE APPLICATION Service and Transaction Fees – AP.1

Page 2

Prorating:

New Applications

Daily

Cancellations:

Annual policy except motorcycle, moped, mobility vehicle, trailer less than $2,500, snow vehicle (HTA), off-road vehicle

Short rate subject to minimum retained premium of $25

Short term policy except motorcycle, moped, mobility vehicle

Short rate subject to minimum retained premium of $25 or 30 days written premium, whichever is greater

Motorcycle, moped, mobility vehicle, snow vehicle (HTA)

Seasonally prorated

Off-road vehicle, trailer $2,500 or less

No refund

June 14, 2013 2014 Rate APPLICATION Fleet Rebates and Surcharges - AP.1

Page 1

MANITOBA PUBLIC INSURANCE FLEET REBATES AND SURCHARGES

For 2014/15, no changes are proposed to the fleet rebate or surcharge scales.

The fleet rebate scale is shown in the following table.

Loss Ratio (%)

Fleet Rebate (%)

Loss Ratio (%)

Fleet Rebate (%)

37% or lower 33% 54 % 16% 38% 32% 55% 15% 39% 31% 56% 14% 40% 30% 57% 13% 41% 29% 58% 12% 42% 28% 59% 11% 43% 27% 60% 10% 44% 26% 61% 9% 45% 25% 62% 8% 46% 24% 63% 7% 47% 23% 64% 6% 48% 22% 65% 5% 49% 21% 66% 4% 50% 20% 67% 3% 51% 19% 68% 2% 52% 18% 69% 1% 53% 17%

June 14, 2013 2014 Rate APPLICATION Fleet Rebates and Surcharges - AP.1

Page 2

The fleet surcharge scale is shown in the following table.

Loss Ratio (%)

Fleet Surcharge

(%)

Loss Ratio (%)

Fleet Surcharge

(%)

70 - 79 Nil 105 26 80 1 106 27 81 2 107 28 82 3 108 29 83 4 109 30 84 5 110 31 85 6 111 32 86 7 112 33 87 8 113 34 88 9 114 35 89 10 115 36 90 11 116 37 91 12 117 38 92 13 118 39 93 14 119 40 94 15 120 41 95 16 121 42 96 17 122 43 97 18 123 44 98 19 124 45 99 20 125 46 100 21 126 47 101 22 127 48 102 23 128 49 103 24 129 or more 50 104 25

June 14, 2013 2014 RATE APPLICATION Experience Adjustment Rules – AP.2

Page 1


EXPERIENCE ADJUSTMENT RULES

1) If the indicated increase or decrease is 10% or less, set the initial estimate of the

experience adjustment as the amount of the indicator.

2) If the indicated increase or decrease is greater than 10%, set the initial estimate

of the experience adjustment as 10%, plus one-third the difference between the

indicated increase or decrease and 10%, to a maximum of an additional 5%.

3) From adjustment (2) above, if the indicated decrease is 25% or more, the initial

estimate of the experience adjustment is capped at –15%. Similarly, if the

indicated increase is 25% or more, the adjustment is capped at 15%.

4) Since adjustment (2) above limits the maximum experience adjustment to 15%,

the rate adjustment is balanced to arrive at the same overall revenue as if the

indicated increase or decrease had been applied. The 15% maximum increase or

decrease still applies.

5) The above rules apply with some exceptions to the Motorcycles major class. The

above rules do not apply to the U-drive Moped insurance use in Territories 2, 3,

and 4. A detailed explanation of the exceptions made to the above rules is

contained in the following page.

6) In response to PUB order 148/04, all rates are subject to a ± 20% cap from 2013

rates. The exceptions to this rule are mopeds and motorcycles with motorscooter

body style 500 cc or less, which are both subject to a + 25% cap from 2013

rates.

The attached table shows the experience adjustments prior to the application of the

overriding cap (i.e. rule 6).

June 14, 2013 2014 RATE APPLICATION Experience Adjustment Rules – AP.2

Page 2


EXPERIENCE ADJUSTMENT RULES - EXCEPTIONS

1) For the Motorcycles major class, the following modifications were made:

a. For motorcycles with a motorscooter body style and an engine

displacement less than or equal to 500 cc’s, by territory and use (all

purpose and pleasure), the initial estimates of the experience adjustments

are set similar to the initial estimates for mopeds. This maintains the

synchronization of rates for these vehicles as in last year’s rate application.

b. For motorcycles with an engine displacement greater than 1,000 cc’s, the

initial estimates of the experience adjustments are set equal to the

corresponding figure (by territory, use, and body style) for motorcycles

with engine displacement between 500 to 1,000 cc’s if the corresponding

figure is larger. This ensures that the rates for motorcycles with larger

engine displacements will be higher than the corresponding rates for

motorcycles with smaller engine displacements.

2) For the U-Drive Moped insurance use in territories 2, 3, and 4, the indicated rate

adjustments were not calculated due to a lack of experience. Consistent with last

year, the rates for this insurance use, by territory and rate group, are set equal to

the rates for the All-Purpose Moped insurance use.

MAJOR CLASS: PRIVATE PASSENGER1 Pleasure Passenger Vehicle 109,280 3.231 All Purpose Passenger Vehicle 216,480 2.081 Farm Passenger Vehicle 56 10.801 Farming All Purpose Truck 338 2.581 Fishing All Purpose Truck 2 2.091 Disabled Persons/Private/Business Bus 255 6.231 Pleasure Motorhome 1,938 9.731 All Purpose Motorhome 82 8.111 All Purpose Truck 45,574 1.371 Antique Vehicle - Bus 7 12.741 Antique Vehicle - Motorcycle 33 12.741 Antique Vehicle - Passenger Vehicle 21 12.741 Antique Vehicle - Truck 16 12.741 Pleasure Truck 14,989 1.51

2 Pleasure Passenger Vehicle 83,160 2.342 All Purpose Passenger Vehicle 89,418 1.922 Farm Passenger Vehicle 7,850 5.312 Farming All Purpose Truck 29,887 1.722 Fishing All Purpose Truck 352 2.032 Disabled Persons/Private/Business Bus 463 4.342 Pleasure Motorhome 3,115 7.582 All Purpose Motorhome 71 0.842 All Purpose Truck 46,810 0.192 Antique Vehicle - Motorcycle 13 11.502 Antique Vehicle - Passenger Vehicle 24 11 50

June 14, 2013 2014 RATE APPLICATION2014 Experience Rate Adjustments - AP.2

2014 EXPERIENCE RATE ADJUSTMENTS

Territory Insurance UseNo. of

VehiclesExperience

Adjustments %

Engine Displacement

(Motorcycles Only)

2 Antique Vehicle - Passenger Vehicle 24 11.502 Antique Vehicle - Truck 27 11.502 Pleasure Truck 33,512 0.10

3 Pleasure Passenger Vehicle 1,591 -2.843 All Purpose Passenger Vehicle 3,482 -4.403 Farming All Purpose Truck 8 5.063 Fishing All Purpose Truck 5 5.633 Disabled Persons/Private/Business Bus 80 -2.173 Pleasure Motorhome 57 0.793 All Purpose Motorhome 2 13.293 All Purpose Truck 3,623 -4.213 Pleasure Truck 1,319 -4.06

4 Pleasure Passenger Vehicle 3,689 -1.504 All Purpose Passenger Vehicle 4,251 -2.374 Farm Passenger Vehicle 15 1.244 Farming All Purpose Truck 165 -2.454 Fishing All Purpose Truck 49 -8.064 Disabled Persons/Private/Business Bus 65 1.314 Pleasure Motorhome 91 7.064 All Purpose Motorhome 2 -13.684 All Purpose Truck 4,047 -3.124 Pleasure Truck 2,494 -2.10

Commute All Purpose Passenger Vehicle 26,737 4.48Commute Farming All Purpose Truck 422 5.26Commute Fishing All Purpose Truck 3 -6.65Commute All Purpose Motorhome 11 -11.37Commute All Purpose Truck 9,845 3.52

PRIVATE PASSENGER CLASS TOTAL 745,826

Page 1

MAJOR CLASS: COMMERCIAL:

1 Farming All Purpose Truck 117 -1.841 Artisan Truck 160 -3.501 Sand/Gravel Truck 529 -4.411 Petroleum/Chemical Truck 133 -7.321 Cement/Brick/Exploration Truck 148 -6.731 Tow Truck 228 6.181 Common Carrier Local Passenger Vehicle 789 -3.721 Common Carrier Truck Local Within City or Mun. 752 -5.371 Common Carrier Passenger Vehicle Within 161km in 47 1.831 Common Carrier Truck Within 161km in MB 463 -2.531 Common Carrier Passenger Vehicle Over 161km in MB 2 -9.961 Common Carrier Truck Over 161km in MB 128 -3.611 Common Carrier Truck Over 161km in MB > 16,330 kg 183 -4.421 All Purpose Snow Vehicle (HTA) 4 -5.061 Driveaway Over 161km outside MB 94 -7.061 Dealer Trailer 59 -0.251 Dealer Moped 1 3.961 Dealer All Uses except Motorcycles 2,082 -4.811 Repairer 613 -1.381 Dealer Motorcycle 164 -3.821 Other Truck 5,040 3.46

2 Farming All Purpose Truck 14,319 -2.282 Fishing All Purpose Truck 10 -10.962 Artisan Truck 117 -3.672 Sand/Gravel Truck 2,169 -5.902 Petroleum/Chemical Truck 815 -5.36

Engine Displacement

(Motorcycles Only)



VehiclesExperience

Adjustments %

2 Petroleum/Chemical Truck2 Logging Truck 167 -5.632 Cement/Brick/Exploration Truck 360 -9.392 Tow Truck 354 3.592 Common Carrier Local Passenger Vehicle 426 -5.262 Common Carrier Truck Local Within City or Mun. 172 -2.112 Common Carrier Passenger Vehicle Within 161km in MB 17 5.912 Common Carrier Truck Within 161km in MB 385 -2.332 Common Carrier Passenger Vehicle Over 161km in MB 2 -10.252 Common Carrier Truck Over 161km in MB 93 -4.702 Common Carrier Truck Over 161km in MB > 16,330 kg 304 -4.422 All Purpose Snow Vehicle (HTA) 28 -4.462 Driveaway Within MB 4 -8.482 Driveaway Over 161km outside MB 14 11.132 Dealer Trailer 122 -0.402 Dealer Moped 1 -13.322 Dealer All Uses except Motorcycles 2,176 -4.822 Repairer 645 -1.142 Dealer Motorcycle 196 -3.792 Other Truck 6,505 2.64

3 Artisan Truck 3 -10.293 Sand/Gravel Truck 63 -8.013 Petroleum/Chemical Truck 21 -9.373 Cement/Brick/Exploration Truck 14 -10.383 Tow Truck 9 6.683 Common Carrier Local Passenger Vehicle 13 -1.083 Common Carrier Truck Local Within City or Mun. 16 -2.743 Common Carrier Truck Within 161km in MB 4 1.343 Common Carrier Truck Over 161km in MB 4 -1.663 Common Carrier Truck Over 161km in MB > 16,330 kg 7 -4.42

Page 2

MAJOR CLASS: COMMERCIAL (CONT'D)3 All Purpose Snow Vehicle (HTA) 4 -5.843 Dealer Trailer 5 -1.483 Dealer All Uses except Motorcycles 41 -6.143 Repairer 12 -2.053 Dealer Motorcycle 1 -5.123 Other Truck 382 1.68

4 Farming All Purpose Truck 60 -0.404 Fishing All Purpose Truck 1 -2.184 Artisan Truck 4 -3.804 Sand/Gravel Truck 96 -3.614 Petroleum/Chemical Truck 29 -2.734 Logging Truck 37 -4.174 Cement/Brick/Exploration Truck 15 -7.454 Tow Truck 22 7.594 Common Carrier Local Passenger Vehicle 25 -3.114 Common Carrier Truck Local Within City or Mun. 9 -11.544 Common Carrier Passenger Vehicle Within 161km in 1 14.644 Common Carrier Truck Within 161km in MB 14 -2.034 Common Carrier Truck Over 161km in MB 5 -11.814 Common Carrier Truck Over 161km in MB > 16,330 kg 21 -4.424 All Purpose Snow Vehicle (HTA) 5 -3.684 Dealer Trailer 2 0.944 Dealer All Uses except Motorcycles 51 -3.534 Repairer 20 -0.384 Dealer Motorcycle 3 -2.534 Other Truck 420 3.39

Engine Displacement

(Motorcycles Only)

2014 Experience Rate Adjustments - AP.2June 14, 2013 2014 RATE APPLICATION


VehiclesExperience

Adjustments %

Commute Artisan Truck 41 -4.21Commute Other Truck 744 3.20

COMMERCIAL CLASS TOTAL 43,361

MAJOR CLASS: PUBLIC1 U Drive Bus 2 0.751 U Drive Motorhome 28 4.161 U Drive Passenger Vehicle 3,949 0.381 U Drive Moped 3 15.001 Transit Bus 565 8.201 School Bus 596 2.561 Charter Bus Local 76 2.601 Police/Emergency Passenger Vehicle 402 4.161 Police/Emergency Truck 38 12.141 Limousine All Uses (DVL Only) 114 8.281 Funeral Passenger Vehicle 46 3.051 Taxi/Livery Passenger Vehicle 440 10.321 Common Carrier Bus Within MB 51 4.421 Wheelchair Livery Bus 88 6.261 U Drive Truck 718 5.881 Common Carrier Bus Over 161km outside MB 41 4.69

2 U Drive Bus 12 0.372 U Drive Motorhome 28 3.552 U Drive Passenger Vehicle 731 0.942 Transit Bus 34 1.842 School Bus 1,615 8.462 Charter Bus Local 5 -11.432 Police/Emergency Passenger Vehicle 239 3.61

Page 3

MAJOR CLASS: PUBLIC (CONT'D)2 Police/Emergency Truck 43 12.002 Limousine All Uses (DVL Only) 24 7.542 Funeral Passenger Vehicle 83 0.922 Taxi/Livery Passenger Vehicle 157 10.192 Common Carrier Bus Within MB 14 4.422 U Drive Truck 167 4.252 Common Carrier Bus Over 161km outside MB 24 4.69

3 U Drive Bus 1 -2.413 U Drive Motorhome 2 0.793 U Drive Passenger Vehicle 63 -1.943 Transit Bus 3 1.903 School Bus 48 -2.913 Charter Bus Local 4 -4.183 Police/Emergency Passenger Vehicle 21 0.633 Police/Emergency Truck 16 9.243 Limousine All Uses (DVL Only) 1 4.573 Funeral Passenger Vehicle 1 -14.993 Taxi/Livery Passenger Vehicle 55 6.833 U Drive Truck 78 -4.22

4 U Drive Bus 2 0.054 U Drive Passenger Vehicle 73 -0.134 Transit Bus 4 12.314 School Bus 135 1.454 Charter Bus Local 1 -6.484 Police/Emergency Passenger Vehicle 25 2.66

13 11 78

Engine Displacement

(Motorcycles Only)


Insurance UseNo. of

VehiclesExperience

Adjustments %Territory

4 Police/Emergency Truck 13 11.784 Limousine All Uses (DVL Only) 1 7.344 Funeral Passenger Vehicle 3 4.534 Taxi/Livery Passenger Vehicle 34 9.794 Common Carrier Bus Within MB 2 4.424 U Drive Truck 39 5.574 Common Carrier Bus Over 161km outside MB 7 4.69

PUBLIC CLASS TOTAL 10,965

MAJOR CLASS: MOTORCYCLE1 All Purpose Motorcycle - Motorscooter Rating ES 0000000-0000500 247 14.471 All Purpose Motorcycle - Motorscooter Rating ES 0000501-0001000 17 12.621 All Purpose Motorcycle - Motorscooter Rating ES 0001001-0099999 1 15.001 All Purpose Motorcycle - Other Rating ES 0000000-0000500 145 -4.151 All Purpose Motorcycle - Other Rating ES 0000501-0001000 161 -4.391 All Purpose Motorcycle - Other Rating ES 0001001-0099999 276 -3.251 All Purpose Motorcycle - Sport Rating ES 0000000-0000500 50 -1.511 All Purpose Motorcycle - Sport Rating ES 0000501-0001000 62 -2.671 All Purpose Motorcycle - Sport Rating ES 0001001-0099999 7 -2.671 All Purpose Motorcycle - Touring Rating ES 0000000-0000500 5 -10.751 All Purpose Motorcycle - Touring Rating ES 0000501-0001000 31 -5.561 All Purpose Motorcycle - Touring Rating ES 0001001-0099999 246 -5.561 All Purpose Motorcycle - Sport-Touring Rating ES 0000501-0001000 24 -2.781 All Purpose Motorcycle - Sport-Touring Rating ES 0001001-0099999 15 -2.781 Pleasure Motorcycle - Motorscooter Rating ES 0000000-0000500 197 10.941 Pleasure Motorcycle - Motorscooter Rating ES 0000501-0001000 34 10.551 Pleasure Motorcycle - Other Rating ES 0000000-0000500 191 -10.761 Pleasure Motorcycle - Other Rating ES 0000501-0001000 543 -10.351 Pleasure Motorcycle - Other Rating ES 0001001-0099999 1,040 -10.31

Page 4

MAJOR CLASS: MOTORCYCLE (CONT'D)1 Pleasure Motorcycle - Sport Rating ES 0000000-0000500 65 -11.041 Pleasure Motorcycle - Sport Rating ES 0000501-0001000 238 -10.671 Pleasure Motorcycle - Sport Rating ES 0001001-0099999 43 -10.671 Pleasure Motorcycle - Touring Rating ES 0000000-0000500 7 -10.071 Pleasure Motorcycle - Touring Rating ES 0000501-0001000 96 -8.701 Pleasure Motorcycle - Touring Rating ES 0001001-0099999 781 -8.701 Pleasure Motorcycle - Sport-Touring Rating ES 0000501-0001000 53 -10.121 Pleasure Motorcycle - Sport-Touring Rating ES 0001001-0099999 63 -9.761 All Purpose Moped 958 14.471 Pleasure Moped 711 10.94

2 All Purpose Motorcycle - Motorscooter Rating ES 0000000-0000500 50 13.222 All Purpose Motorcycle - Other Rating ES 0000000-0000500 46 -2.482 All Purpose Motorcycle - Other Rating ES 0000501-0001000 131 0.342 All Purpose Motorcycle - Other Rating ES 0001001-0099999 210 0.342 All Purpose Motorcycle - Sport Rating ES 0000000-0000500 11 -0.502 All Purpose Motorcycle - Sport Rating ES 0000501-0001000 31 -1.152 All Purpose Motorcycle - Sport Rating ES 0001001-0099999 4 -1.152 All Purpose Motorcycle - Touring Rating ES 0000501-0001000 18 -3.902 All Purpose Motorcycle - Touring Rating ES 0001001-0099999 171 -3.902 All Purpose Motorcycle - Sport-Touring Rating ES 0000501-0001000 16 10.502 All Purpose Motorcycle - Sport-Touring Rating ES 0001001-0099999 10 10.502 Pleasure Motorcycle - Motorscooter Rating ES 0000000-0000500 127 9.192 Pleasure Motorcycle - Motorscooter Rating ES 0000501-0001000 18 9.372 Pleasure Motorcycle - Other Rating ES 0000000-0000500 201 -10.132 Pleasure Motorcycle - Other Rating ES 0000501-0001000 748 -8.262 Pleasure Motorcycle - Other Rating ES 0001001-0099999 1,929 -8.262 Pl M t l S t R ti ES 0000000 0000500 53 10 56

Engine Displacement

(Motorcycles Only)



VehiclesExperience

Adjustments %

2 Pleasure Motorcycle - Sport Rating ES 0000000-0000500 53 -10.562 Pleasure Motorcycle - Sport Rating ES 0000501-0001000 243 -7.882 Pleasure Motorcycle - Sport Rating ES 0001001-0099999 41 -1.352 Pleasure Motorcycle - Touring Rating ES 0000000-0000500 14 -8.882 Pleasure Motorcycle - Touring Rating ES 0000501-0001000 172 -9.232 Pleasure Motorcycle - Touring Rating ES 0001001-0099999 1,792 -6.872 Pleasure Motorcycle - Sport-Touring Rating ES 0000501-0001000 43 -5.832 Pleasure Motorcycle - Sport-Touring Rating ES 0001001-0099999 56 -5.832 All Purpose Moped 340 13.222 Pleasure Moped 442 9.19

3 All Purpose Motorcycle - Motorscooter Rating ES 0000000-0000500 4 11.693 All Purpose Motorcycle - Other Rating ES 0000000-0000500 2 8.183 All Purpose Motorcycle - Other Rating ES 0000501-0001000 3 -10.723 All Purpose Motorcycle - Other Rating ES 0001001-0099999 20 -4.843 All Purpose Motorcycle - Sport Rating ES 0001001-0099999 1 0.003 All Purpose Motorcycle - Touring Rating ES 0001001-0099999 18 0.003 All Purpose Motorcycle - Sport-Touring Rating ES 0000501-0001000 1 -11.633 Pleasure Motorcycle - Other Rating ES 0000000-0000500 12 -2.413 Pleasure Motorcycle - Other Rating ES 0000501-0001000 28 -11.343 Pleasure Motorcycle - Other Rating ES 0001001-0099999 74 -11.343 Pleasure Motorcycle - Sport Rating ES 0000000-0000500 2 -6.323 Pleasure Motorcycle - Sport Rating ES 0000501-0001000 10 -12.383 Pleasure Motorcycle - Sport Rating ES 0001001-0099999 1 -12.383 Pleasure Motorcycle - Touring Rating ES 0000501-0001000 6 -6.343 Pleasure Motorcycle - Touring Rating ES 0001001-0099999 55 -6.343 Pleasure Motorcycle - Sport-Touring Rating ES 0000501-0001000 4 -12.713 Pleasure Motorcycle - Sport-Touring Rating ES 0001001-0099999 2 -4.033 All Purpose Moped 9 11.69

Page 5

MAJOR CLASS: MOTORCYCLE (CONT'D)3 Pleasure Moped 4 5.42

4 All Purpose Motorcycle - Motorscooter Rating ES 0000000-0000500 7 11.774 All Purpose Motorcycle - Other Rating ES 0000000-0000500 5 -3.044 All Purpose Motorcycle - Other Rating ES 0000501-0001000 5 -11.074 All Purpose Motorcycle - Other Rating ES 0001001-0099999 15 -11.074 All Purpose Motorcycle - Touring Rating ES 0000501-0001000 2 -1.634 All Purpose Motorcycle - Touring Rating ES 0001001-0099999 13 -1.284 All Purpose Motorcycle - Sport-Touring Rating ES 0000501-0001000 1 -0.454 Pleasure Motorcycle - Motorscooter Rating ES 0000000-0000500 3 1.114 Pleasure Motorcycle - Motorscooter Rating ES 0000501-0001000 1 -9.004 Pleasure Motorcycle - Other Rating ES 0000000-0000500 4 -11.424 Pleasure Motorcycle - Other Rating ES 0000501-0001000 27 -10.104 Pleasure Motorcycle - Other Rating ES 0001001-0099999 77 -7.554 Pleasure Motorcycle - Sport Rating ES 0000000-0000500 3 -5.724 Pleasure Motorcycle - Sport Rating ES 0000501-0001000 11 6.184 Pleasure Motorcycle - Sport Rating ES 0001001-0099999 3 6.184 Pleasure Motorcycle - Touring Rating ES 0000000-0000500 1 -14.994 Pleasure Motorcycle - Touring Rating ES 0000501-0001000 1 -11.274 Pleasure Motorcycle - Touring Rating ES 0001001-0099999 78 -8.094 Pleasure Motorcycle - Sport-Touring Rating ES 0000501-0001000 2 4.214 Pleasure Motorcycle - Sport-Touring Rating ES 0001001-0099999 4 4.214 All Purpose Moped 5 11.774 Pleasure Moped 7 1.11

Commute All Purpose Motorcycle - Motorscooter Rating ES 0000000-0000500 3 13.20Commute All Purpose Motorcycle - Motorscooter Rating ES 0000501-0001000 2 15.00

8 7 82

Engine Displacement

(Motorcycles Only)Experience

Adjustments %



Vehicles

Commute All Purpose Motorcycle - Other Rating ES 0000000-0000500 8 -7.82Commute All Purpose Motorcycle - Other Rating ES 0000501-0001000 26 -1.62Commute All Purpose Motorcycle - Other Rating ES 0001001-0099999 59 -1.62Commute All Purpose Motorcycle - Sport Rating ES 0000000-0000500 5 -10.25Commute All Purpose Motorcycle - Sport Rating ES 0000501-0001000 22 -3.85Commute All Purpose Motorcycle - Sport Rating ES 0001001-0099999 2 -3.85Commute All Purpose Motorcycle - Touring Rating ES 0000000-0000500 2 -14.99Commute All Purpose Motorcycle - Touring Rating ES 0000501-0001000 1 -14.18Commute All Purpose Motorcycle - Touring Rating ES 0001001-0099999 57 -6.37Commute All Purpose Motorcycle - Sport-Touring Rating ES 0000501-0001000 3 4.63Commute All Purpose Motorcycle - Sport-Touring Rating ES 0001001-0099999 3 4.63

MOTORCYCLE CLASS TOTAL 13,948

MAJOR CLASS: TRAILER1 All Purpose Trailer $2500 or less 35,357 -10.151 All Purpose Trailer $2501 or more 19,263 0.05

2 All Purpose Trailer $2500 or less 59,856 5.832 All Purpose Trailer $2501 or more 50,048 10.71

3 All Purpose Trailer $2500 or less 2,068 -5.693 All Purpose Trailer $2501 or more 1,157 5.21

4 All Purpose Trailer $2500 or less 3,713 8.034 All Purpose Trailer $2501 or more 1,747 5.60

TRAILER CLASS TOTAL 173,209

Page 6

MAJOR CLASS: OFF ROAD VEHICLE1 Off Road Vehicle - ATV 6,394 -12.901 Off Road Vehicle - Motorcycle 371 -12.901 Off Road Vehicle - Snowmobile 8,176 -12.901 Off Road Vehicle - Snow Vehicle 38 -12.90

2 Off Road Vehicle - ATV 22,291 -12.902 Off Road Vehicle - Motorcycle 469 -12.902 Off Road Vehicle - Snowmobile 20,091 -12.902 Off Road Vehicle - Snow Vehicle 81 -12.90

3 Off Road Vehicle - ATV 701 -12.903 Off Road Vehicle - Motorcycle 11 -12.903 Off Road Vehicle - Snowmobile 1,116 -12.903 Off Road Vehicle - Snow Vehicle 1 -12.90

4 Off Road Vehicle - ATV 1,066 -12.904 Off Road Vehicle - Motorcycle 3 -12.904 Off Road Vehicle - Snowmobile 1,284 -12.904 Off Road Vehicle - Snow Vehicle 7 -12.90

OFF ROAD VEHICLE TOTAL 62,100

GRAND TOTAL 1,049,409

Engine Displacement

(Motorcycles Only)Territory Insurance Use

No. of Vehicles

Experience Adjustments %

2014 Experience Rate Adjustments - AP.2June 14, 2013 2014 RATE APPLICATION

Page 7

Territory Insurance Use

Gross Vehicle Weight Range (Trucks Only)

No. of Vehicles

Rate Group Offset (%)

Rate Line Offset (%)

Combined Classification

Offset (%)

Truck GVW Relativity Offset (%)

1 Pleasure Passenger Vehicle 109,280 -2.67 -2.671 All Purpose Passenger Vehicle 216,480 -2.67 -2.671 Farm Passenger Vehicle 56 -2.67 -2.671 Farming All Purpose Truck GW 0000000-0004540 338 -0.70 -0.701 Fishing All Purpose Truck GW 0000000-0004540 2 -0.70 -0.701 Disabled Persons/Private/Business Bus 255 1.22 1.221 Pleasure Motorhome 1,938 -0.10 -0.101 All Purpose Motorhome 82 -0.10 -0.101 All Purpose Truck GW 0000000-0004540 45,574 -0.70 -0.701 Antique Vehicle - Bus 71 Antique Vehicle - Motorcycle 331 Antique Vehicle - Passenger Vehicle 211 Antique Vehicle - Truck 161 Pleasure Truck GW 0000000-0004540 14,989 -0.70 -0.70

2 Pleasure Passenger Vehicle 83,160 -2.67 -2.672 All Purpose Passenger Vehicle 89,418 -2.67 -2.672 Farm Passenger Vehicle 7,850 -2.67 -2.672 Farming All Purpose Truck GW 0000000-0004540 29,887 -0.70 -0.702 Fishing All Purpose Truck GW 0000000-0004540 352 -0.70 -0.702 Disabled Persons/Private/Business Bus 463 1.22 1.222 Pleasure Motorhome 3,115 -0.10 -0.102 All Purpose Motorhome 71 -0.10 -0.102 All Purpose Truck GW 0000000-0004540 46,810 -0.70 -0.70

2014 RATE APPLICATION Classification Offset Adjustments - AP.3

June 14, 2013

MAJOR CLASS: PRIVATE PASSENGER

CLASSIFICATION OFFSET ADJUSTMENTS

2 Antique Vehicle - Motorcycle 132 Antique Vehicle - Passenger Vehicle 242 Antique Vehicle - Truck 272 Pleasure Truck GW 0000000-0004540 33,512 -0.70 -0.70

3 Pleasure Passenger Vehicle 1,591 -2.67 -2.673 All Purpose Passenger Vehicle 3,482 -2.67 -2.673 Farming All Purpose Truck GW 0000000-0004540 8 -0.70 -0.703 Fishing All Purpose Truck GW 0000000-0004540 5 -0.70 -0.703 Disabled Persons/Private/Business Bus 80 1.22 1.223 Pleasure Motorhome 57 -0.10 -0.103 All Purpose Motorhome 2 -0.10 -0.103 All Purpose Truck GW 0000000-0004540 3,623 -0.70 -0.703 Pleasure Truck GW 0000000-0004540 1,319 -0.70 -0.70

4 Pleasure Passenger Vehicle 3,689 -2.67 -2.674 All Purpose Passenger Vehicle 4,251 -2.67 -2.674 Farm Passenger Vehicle 15 -2.67 -2.674 Farming All Purpose Truck GW 0000000-0004540 165 -0.70 -0.704 Fishing All Purpose Truck GW 0000000-0004540 49 -0.70 -0.704 Disabled Persons/Private/Business Bus 65 1.22 1.224 Pleasure Motorhome 91 -0.10 -0.104 All Purpose Motorhome 2 -0.10 -0.104 All Purpose Truck GW 0000000-0004540 4,047 -0.70 -0.704 Pleasure Truck GW 0000000-0004540 2,494 -0.70 -0.70

Commuter All Purpose Passenger Vehicle 26,737 -2.67 -2.67Commuter Farming All Purpose Truck GW 0000000-0004540 422 -0.70 -0.70

Page 1


June 14, 2013



No. of Vehicles




Offset (%)


Commuter Fishing All Purpose Truck GW 0000000-0004540 3 -0.70 -0.70Commuter All Purpose Motorhome 11 -0.10 -0.10Commuter All Purpose Truck GW 0000000-0004540 9,845 -0.70 -0.70

PRIVATE PASSENGER CLASS TOTAL 745,826

MAJOR CLASS: COMMERCIAL1 Farming All Purpose Truck GW 0004541-0016330 67 3.52 -0.01 3.50 0.211 Farming All Purpose Truck GW 0016331-0099999 50 3.52 -0.01 3.50 0.211 Artisan Truck GW 0000000-0004540 9 -0.70 -0.70 0.211 Artisan Truck GW 0004541-0016330 144 3.52 -0.01 3.50 0.211 Artisan Truck GW 0016331-0099999 7 0.211 Sand/Gravel Truck GW 0010891-0016330 93 3.52 -0.01 3.50 0.211 Sand/Gravel Truck GW 0016331-0099999 436 0.211 Petroleum/Chemical Truck GW 0000000-0004540 7 -0.70 -0.70 0.211 Petroleum/Chemical Truck GW 0004541-0016330 50 3.52 -0.01 3.50 0.211 Petroleum/Chemical Truck GW 0016331-0099999 76 0.211 Cement/Brick/Exploration Truck GW 0010891-0016330 4 3.52 -0.01 3.50 0.211 Cement/Brick/Exploration Truck GW 0016331-0099999 144 0.211 Tow Truck GW 0000000-0004540 23 -0.70 -0.70 0.211 Tow Truck GW 0004541-0016330 182 3.52 -0.01 3.50 0.211 Tow Truck GW 0016331-0099999 23 0.211 Common Carrier Local Passenger Vehicle 789 -2.67 -2.671 Common Carrier Truck Local Within City or Mun. GW 0000000-0004540 214 -0.70 -0.70 0.211 Common Carrier Truck Local Within City or Mun. GW 0004541-0016330 326 3.52 -0.01 3 50 0 21

MAJOR CLASS: PRIVATE PASSENGER (CONT'D)

1 Common Carrier Truck Local Within City or Mun. GW 0004541 0016330 326 3.52 0.01 3.50 0.211 Common Carrier Truck Local Within City or Mun. GW 0016331-0099999 212 0.211 Common Carrier Passenger Vehicle Within 161km in MB 47 -2.67 -2.671 Common Carrier Truck Within 161km in MB GW 0000000-0004540 96 -0.70 -0.70 0.211 Common Carrier Truck Within 161km in MB GW 0004541-0016330 265 3.52 -0.01 3.50 0.211 Common Carrier Truck Within 161km in MB GW 0016331-0099999 102 0.211 Common Carrier Passenger Vehicle Over 161km in MB 2 -2.67 -2.671 Common Carrier Truck Over 161km in MB GW 0000000-0004540 21 -0.70 -0.70 0.211 Common Carrier Truck Over 161km in MB GW 0004541-0016330 107 3.52 -0.01 3.50 0.211 Common Carrier Truck Over 161km in MB > 16,330 kg GW 0016331-0099999 183 0.211 All Purpose Snow Vehicle (HTA) 41 Driveaway Over 161km outside MB 941 Dealer Trailer 591 Dealer Moped 11 Dealer All Uses except Motorcycles 2,0821 Repairer 6131 Dealer Motorcycle 1641 Other Truck GW 0000000-0004540 82 -0.70 -0.70 0.211 Other Truck GW 0004541-0016330 3,416 3.52 -0.01 3.50 0.211 Other Truck GW 0016331-0099999 1,542 0.21

2 Farming All Purpose Truck GW 0004541-0016330 5,018 3.52 -0.01 3.50 0.212 Farming All Purpose Truck GW 0016331-0099999 9,301 3.52 -0.01 3.50 0.212 Fishing All Purpose Truck GW 0004541-0016330 3 3.52 -0.01 3.50 0.212 Fishing All Purpose Truck GW 0016331-0099999 7 3.52 -0.01 3.50 0.212 Artisan Truck GW 0000000-0004540 20 -0.70 -0.70 0.212 Artisan Truck GW 0004541-0016330 79 3.52 -0.01 3.50 0.212 Artisan Truck GW 0016331-0099999 18 0.212 Sand/Gravel Truck GW 0010891-0016330 148 3.52 -0.01 3.50 0.21

Page 2


June 14, 2013



No. of Vehicles




Offset (%)


2 Sand/Gravel Truck GW 0016331-0099999 2,021 0.212 Petroleum/Chemical Truck GW 0000000-0004540 228 -0.70 -0.70 0.212 Petroleum/Chemical Truck GW 0004541-0016330 146 3.52 -0.01 3.50 0.212 Petroleum/Chemical Truck GW 0016331-0099999 441 0.212 Logging Truck GW 0004541-0016330 7 3.52 -0.01 3.50 0.212 Logging Truck GW 0016331-0099999 160 0.212 Cement/Brick/Exploration Truck GW 0016331-0099999 360 0.212 Tow Truck GW 0000000-0004540 52 -0.70 -0.70 0.212 Tow Truck GW 0004541-0016330 280 3.52 -0.01 3.50 0.212 Tow Truck GW 0016331-0099999 22 0.212 Common Carrier Local Passenger Vehicle 426 -2.67 -2.672 Common Carrier Truck Local Within City or Mun. GW 0000000-0004540 69 -0.70 -0.70 0.212 Common Carrier Truck Local Within City or Mun. GW 0004541-0016330 37 3.52 -0.01 3.50 0.212 Common Carrier Truck Local Within City or Mun. GW 0016331-0099999 66 0.212 Common Carrier Passenger Vehicle Within 161km in MB 17 -2.67 -2.672 Common Carrier Truck Within 161km in MB GW 0000000-0004540 66 -0.70 -0.70 0.212 Common Carrier Truck Within 161km in MB GW 0004541-0016330 88 3.52 -0.01 3.50 0.212 Common Carrier Truck Within 161km in MB GW 0016331-0099999 231 0.212 Common Carrier Passenger Vehicle Over 161km in MB 2 -2.67 -2.672 Common Carrier Truck Over 161km in MB GW 0000000-0004540 14 -0.70 -0.70 0.212 Common Carrier Truck Over 161km in MB GW 0004541-0016330 79 3.52 -0.01 3.50 0.212 Common Carrier Truck Over 161km in MB > 16,330 kg GW 0016331-0099999 304 0.212 All Purpose Snow Vehicle (HTA) 282 Driveaway Within MB 4

MAJOR CLASS: COMMERCIAL (CONT'D)

y2 Driveaway Over 161km outside MB 142 Dealer Trailer 1222 Dealer Moped 12 Dealer All Uses except Motorcycles 2,1762 Repairer 6452 Dealer Motorcycle 1962 Other Truck GW 0000000-0004540 193 -0.70 -0.70 0.212 Other Truck GW 0004541-0016330 3,818 3.52 -0.01 3.50 0.212 Other Truck GW 0016331-0099999 2,494 0.21

3 Artisan Truck GW 0004541-0016330 3 3.52 -0.01 3.50 0.213 Sand/Gravel Truck GW 0010891-0016330 1 3.52 -0.01 3.50 0.213 Sand/Gravel Truck GW 0016331-0099999 62 0.213 Petroleum/Chemical Truck GW 0004541-0016330 11 3.52 -0.01 3.50 0.213 Petroleum/Chemical Truck GW 0016331-0099999 10 0.213 Cement/Brick/Exploration Truck GW 0016331-0099999 14 0.213 Tow Truck GW 0000000-0004540 3 -0.70 -0.70 0.213 Tow Truck GW 0004541-0016330 4 3.52 -0.01 3.50 0.213 Tow Truck GW 0016331-0099999 2 0.213 Common Carrier Local Passenger Vehicle 13 -2.67 -2.673 Common Carrier Truck Local Within City or Mun. GW 0000000-0004540 10 -0.70 -0.70 0.213 Common Carrier Truck Local Within City or Mun. GW 0004541-0016330 2 3.52 -0.01 3.50 0.213 Common Carrier Truck Local Within City or Mun. GW 0016331-0099999 4 0.213 Common Carrier Truck Within 161km in MB GW 0004541-0016330 2 3.52 -0.01 3.50 0.213 Common Carrier Truck Within 161km in MB GW 0016331-0099999 2 0.213 Common Carrier Truck Over 161km in MB GW 0004541-0016330 4 3.52 -0.01 3.50 0.213 Common Carrier Truck Over 161km in MB > 16,330 kg GW 0016331-0099999 7 0.213 All Purpose Snow Vehicle (HTA) 4

Page 3


June 14, 2013



No. of Vehicles




Offset (%)


3 Dealer Trailer 53 Dealer All Uses except Motorcycles 413 Repairer 123 Dealer Motorcycle 13 Other Truck GW 0000000-0004540 6 -0.70 -0.70 0.213 Other Truck GW 0004541-0016330 257 3.52 -0.01 3.50 0.213 Other Truck GW 0016331-0099999 119 0.21

4 Farming All Purpose Truck GW 0004541-0016330 17 3.52 -0.01 3.50 0.214 Farming All Purpose Truck GW 0016331-0099999 43 3.52 -0.01 3.50 0.214 Fishing All Purpose Truck GW 0004541-0016330 1 3.52 -0.01 3.50 0.214 Artisan Truck GW 0004541-0016330 4 3.52 -0.01 3.50 0.214 Sand/Gravel Truck GW 0010891-0016330 12 3.52 -0.01 3.50 0.214 Sand/Gravel Truck GW 0016331-0099999 84 0.214 Petroleum/Chemical Truck GW 0000000-0004540 1 -0.70 -0.70 0.214 Petroleum/Chemical Truck GW 0004541-0016330 3 3.52 -0.01 3.50 0.214 Petroleum/Chemical Truck GW 0016331-0099999 25 0.214 Logging Truck GW 0004541-0016330 1 3.52 -0.01 3.50 0.214 Logging Truck GW 0016331-0099999 36 0.214 Cement/Brick/Exploration Truck GW 0016331-0099999 15 0.214 Tow Truck GW 0004541-0016330 20 3.52 -0.01 3.50 0.214 Tow Truck GW 0016331-0099999 2 0.214 Common Carrier Local Passenger Vehicle 25 -2.67 -2.674 Common Carrier Truck Local Within City or Mun. GW 0000000-0004540 5 -0.70 -0.70 0.21

MAJOR CLASS: COMMERCIAL (CONT'D)

4 Common Carrier Truck Local Within City or Mun. GW 0004541-0016330 2 3.52 -0.01 3.50 0.214 Common Carrier Truck Local Within City or Mun. GW 0016331-0099999 2 0.214 Common Carrier Passenger Vehicle Within 161km in MB 1 -2.67 -2.674 Common Carrier Truck Within 161km in MB GW 0000000-0004540 3 -0.70 -0.70 0.214 Common Carrier Truck Within 161km in MB GW 0004541-0016330 2 3.52 -0.01 3.50 0.214 Common Carrier Truck Within 161km in MB GW 0016331-0099999 9 0.214 Common Carrier Truck Over 161km in MB GW 0004541-0016330 5 3.52 -0.01 3.50 0.214 Common Carrier Truck Over 161km in MB > 16,330 kg GW 0016331-0099999 21 0.214 All Purpose Snow Vehicle (HTA) 54 Dealer Trailer 24 Dealer All Uses except Motorcycles 514 Repairer 204 Dealer Motorcycle 34 Other Truck GW 0000000-0004540 6 -0.70 -0.70 0.214 Other Truck GW 0004541-0016330 295 3.52 -0.01 3.50 0.214 Other Truck GW 0016331-0099999 119 0.21

Commuter Artisan Truck GW 0000000-0004540 4 -0.70 -0.70 0.21Commuter Artisan Truck GW 0004541-0016330 37 3.52 -0.01 3.50 0.21Commuter Other Truck GW 0000000-0004540 18 -0.70 -0.70 0.21Commuter Other Truck GW 0004541-0016330 726 3.52 -0.01 3.50 0.21

COMMERCIAL CLASS TOTAL 43,361

MAJOR CLASS: PUBLIC1 U Drive Bus 21 U Drive Motorhome 281 U Drive Passenger Vehicle 3,949 -2.67 -2.67

Page 4


June 14, 2013



No. of Vehicles




Offset (%)


1 U Drive Moped 3 -0.23 -0.231 Transit Bus 5651 School Bus 596 1.22 1.221 Charter Bus Local 76 1.22 1.221 Police/Emergency Passenger Vehicle 402 -2.67 -2.671 Police/Emergency Truck GW 0000000-0004540 31 0.211 Police/Emergency Truck GW 0004541-0016330 7 0.211 Limousine All Uses (DVL Only) 1141 Funeral Passenger Vehicle 46 -2.67 -2.671 Taxi/Livery Passenger Vehicle 4401 Common Carrier Bus Within MB 511 Wheelchair Livery Bus 88 1.22 1.221 U Drive Truck GW 0000000-0004540 569 -0.70 -0.7 0.211 U Drive Truck GW 0004541-0016330 124 3.52 -0.01 3.5 0.211 U Drive Truck GW 0016331-0099999 25 0.211 Common Carrier Bus Over 161km outside MB 41

2 U Drive Bus 122 U Drive Motorhome 282 U Drive Passenger Vehicle 731 -2.67 -2.672 Transit Bus 34 1.22 1.222 School Bus 1,615 1.22 1.222 Charter Bus Local 5 1.22 1.222 Police/Emergency Passenger Vehicle 239 -2.67 -2.67

MAJOR CLASS: PUBLIC (CONT'D)

g y g 2.672 Police/Emergency Truck GW 0000000-0004540 41 0.212 Police/Emergency Truck GW 0004541-0016330 2 0.212 Limousine All Uses (DVL Only) 242 Funeral Passenger Vehicle 83 -2.67 -2.672 Taxi/Livery Passenger Vehicle 1572 Common Carrier Bus Within MB 142 U Drive Truck GW 0000000-0004540 129 -0.70 -0.7 0.212 U Drive Truck GW 0004541-0016330 18 3.52 -0.01 3.5 0.212 U Drive Truck GW 0016331-0099999 20 0.212 Common Carrier Bus Over 161km outside MB 24

3 U Drive Bus 13 U Drive Motorhome 23 U Drive Passenger Vehicle 63 -2.67 -2.673 Transit Bus 3 1.22 1.223 School Bus 48 1.22 1.223 Charter Bus Local 4 1.22 1.223 Police/Emergency Passenger Vehicle 21 -2.67 -2.673 Police/Emergency Truck GW 0000000-0004540 13 0.213 Police/Emergency Truck GW 0004541-0016330 2 0.213 Police/Emergency Truck GW 0016331-0099999 1 0.213 Limousine All Uses (DVL Only) 13 Funeral Passenger Vehicle 1 -2.67 -2.673 Taxi/Livery Passenger Vehicle 553 U Drive Truck GW 0000000-0004540 71 -0.70 -0.7 0.213 U Drive Truck GW 0004541-0016330 6 3.52 -0.01 3.5 0.213 U Drive Truck GW 0016331-0099999 1 0.21

Page 5


June 14, 2013



No. of Vehicles




Offset (%)


4 U Drive Bus 24 U Drive Passenger Vehicle 73 -2.67 -2.674 Transit Bus 4 1.22 1.224 School Bus 135 1.22 1.224 Charter Bus Local 1 1.22 1.224 Police/Emergency Passenger Vehicle 25 -2.67 -2.674 Police/Emergency Truck GW 0000000-0004540 13 0.214 Limousine All Uses (DVL Only) 14 Funeral Passenger Vehicle 3 -2.67 -2.674 Taxi/Livery Passenger Vehicle 344 Common Carrier Bus Within MB 24 U Drive Truck GW 0000000-0004540 38 -0.70 -0.7 0.214 U Drive Truck GW 0004541-0016330 1 3.52 -0.01 3.5 0.214 Common Carrier Bus Over 161km outside MB 7

PUBLIC CLASS TOTAL 10,965

MAJOR CLASS: MOTORCYCLE1 All Purpose Motorcycle - Motorscooter Rating 265 -0.23 -0.231 All Purpose Motorcycle - Other Rating 582 -0.23 -0.231 All Purpose Motorcycle - Sport Rating 119 -0.23 -0.231 All Purpose Motorcycle - Touring Rating 282 -0.23 -0.231 All Purpose Motorcycle - Sport-Touring Rating 39 -0.23 -0.231 Pleasure Motorcycle - Motorscooter Rating 231 -0.23 -0.23

MAJOR CLASS: PUBLIC (CONT'D)

y g1 Pleasure Motorcycle - Other Rating 1,774 -0.23 -0.231 Pleasure Motorcycle - Sport Rating 346 -0.23 -0.231 Pleasure Motorcycle - Touring Rating 884 -0.23 -0.231 Pleasure Motorcycle - Sport-Touring Rating 116 -0.23 -0.231 All Purpose Moped 958 -0.23 -0.231 Pleasure Moped 711 -0.23 -0.23

2 All Purpose Motorcycle - Motorscooter Rating 50 -0.23 -0.232 All Purpose Motorcycle - Other Rating 387 -0.23 -0.232 All Purpose Motorcycle - Sport Rating 46 -0.23 -0.232 All Purpose Motorcycle - Touring Rating 189 -0.23 -0.232 All Purpose Motorcycle - Sport-Touring Rating 26 -0.23 -0.232 Pleasure Motorcycle - Motorscooter Rating 145 -0.23 -0.232 Pleasure Motorcycle - Other Rating 2,878 -0.23 -0.232 Pleasure Motorcycle - Sport Rating 337 -0.23 -0.232 Pleasure Motorcycle - Touring Rating 1,978 -0.23 -0.232 Pleasure Motorcycle - Sport-Touring Rating 99 -0.23 -0.232 All Purpose Moped 340 -0.23 -0.232 Pleasure Moped 442 -0.23 -0.23

3 All Purpose Motorcycle - Motorscooter Rating 4 -0.23 -0.233 All Purpose Motorcycle - Other Rating 25 -0.23 -0.233 All Purpose Motorcycle - Sport Rating 1 -0.23 -0.233 All Purpose Motorcycle - Touring Rating 18 -0.23 -0.233 All Purpose Motorcycle - Sport-Touring Rating 1 -0.23 -0.233 Pleasure Motorcycle - Other Rating 114 -0.23 -0.233 Pleasure Motorcycle - Sport Rating 13 -0.23 -0.233 Pleasure Motorcycle - Touring Rating 61 -0.23 -0.23

Page 6


June 14, 2013



No. of Vehicles




Offset (%)


3 Pleasure Motorcycle - Sport-Touring Rating 6 -0.23 -0.233 All Purpose Moped 9 -0.23 -0.233 Pleasure Moped 4 -0.23 -0.23

4 All Purpose Motorcycle - Motorscooter Rating 7 -0.23 -0.234 All Purpose Motorcycle - Other Rating 25 -0.23 -0.234 All Purpose Motorcycle - Touring Rating 15 -0.23 -0.234 All Purpose Motorcycle - Sport-Touring Rating 1 -0.23 -0.234 Pleasure Motorcycle - Motorscooter Rating 4 -0.23 -0.234 Pleasure Motorcycle - Other Rating 108 -0.23 -0.234 Pleasure Motorcycle - Sport Rating 17 -0.23 -0.234 Pleasure Motorcycle - Touring Rating 80 -0.23 -0.234 Pleasure Motorcycle - Sport-Touring Rating 6 -0.23 -0.234 All Purpose Moped 5 -0.23 -0.234 Pleasure Moped 7 -0.23 -0.23

Commuter All Purpose Motorcycle - Motorscooter Rating 5 -0.23 -0.23Commuter All Purpose Motorcycle - Other Rating 93 -0.23 -0.23Commuter All Purpose Motorcycle - Sport Rating 29 -0.23 -0.23Commuter All Purpose Motorcycle - Touring Rating 60 -0.23 -0.23Commuter All Purpose Motorcycle - Sport-Touring Rating 6 -0.23 -0.23

MOTORCYCLE CLASS TOTAL 13,948

MAJOR CLASS: MOTORCYCLE (CONT'D)

MAJOR CLASS: TRAILER1 All Purpose Trailer $2500 or less 35,3571 All Purpose Trailer $2501 or more 19,263 0.15 0.15

2 All Purpose Trailer $2500 or less 59,8562 All Purpose Trailer $2501 or more 50,048 0.15 0.15



TRAILER CLASS TOTAL 173,209

MAJOR CLASS: OFF ROAD VEHICLE1 Off Road Vehicle - ATV 6,3941 Off Road Vehicle - Motorcycle 3711 Off Road Vehicle - Snowmobile 8,1761 Off Road Vehicle - Snow Vehicle 38

2 Off Road Vehicle - ATV 22,2912 Off Road Vehicle - Motorcycle 4692 Off Road Vehicle - Snowmobile 20,0912 Off Road Vehicle - Snow Vehicle 81

3 Off Road Vehicle - ATV 7013 Off Road Vehicle - Motorcycle 11

Page 7


June 14, 2013



No. of Vehicles




Offset (%)


3 Off Road Vehicle - Snowmobile 1,1163 Off Road Vehicle - Snow Vehicle 1

4 Off Road Vehicle - ATV 1,0664 Off Road Vehicle - Motorcycle 34 Off Road Vehicle - Snowmobile 1,2844 Off Road Vehicle - Snow Vehicle 7

OFF ROAD VEHICLE CLASS TOTAL 62,100

GRAND TOTAL 1,049,409

MAJOR CLASS: OFF ROAD VEHICLE (CONT'D)

Page 8


2014 GRA OVERVIEW

OV.1 Rate Application

In this General Rate Application, for only the second time in 16 years, the

Corporation is applying for a rate increase. Higher physical damage claims and lower

investment income has necessitated the need for a 1.8% increase in the Basic

Insurance Premium rate.

In two of the last three years, the Public Utilities Board has approved decreases to

the average premium rate totaling 12%. Once in the last 15 years, in 2004, the

Corporation requested a premium rate increase.

OV.2 Economic Outlook

Low interest rates continue to be the hallmark of the past year in G7 countries.

Despite forecasts from Canadian major banks to the contrary the Corporation

considers it unlikely that Government of Canada ten year bond rates will increase

significantly during the March 1, 2014 to Feb 28, 2016 rating period.

Historically the Corporation has used the median rate of the top five Canadian banks

and Global Insights for the Government of Canada (GoC) ten year bond interest rate

forecast in the near term (next two years) and Global Insights for years three, four

and five. Over the past several years, these forecasts have consistently predicted

that interest rates will increase over the five year period by about 300 basis points.

Interest rates, however, have declined over the past five years and consistently the

optimistic interest rate forecasts of the banks have not materialized (as per the

graph).

June 14, 2013 2014 RATE APPLICATION GRA Overview

Page 2

The low interest rates negatively impacted the Corporation’s financial results for

2012/13. More specifically, interest rates that are significantly lower than forecast

negatively impact results. If actual interest rates continue to stay lower than the

interest rates forecasted in our pro forma statements, then the Corporation’s results

will be further negatively impacted in future years.

OV.3 Financial Results 2012/13

The Corporation ended the 2012/13 year with a net loss of $72.2 million in the Basic

Autopac program. This loss resulted from:

Lower investment returns by $12 million mainly as a result of low interest

rates and lower equity dividends

Continued low interest rates negatively impacting both pension ($9 milliion

over budget) and claim liabilities ($4 million over budget)

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

4.0%

4.5%

5.0%

5.5%

6.0%

Feb-08 Feb-09 Feb-10 Feb-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17

Feb 2008 Feb 2009 Feb 2010 Feb 2011 Feb 2012 Actual

GoC 10 Year Forecasted Rates From 2008 to 2012


Page 3

Bad winter weather resulted in collision and property damage claims being

$17 million over budget.

Revised estimates for PIPP claim liabilities in the October 2012 and February

2013 Appointed Actuary’s report were $14 million over budget (excluding

interest rate impacts).

The combination of lower than expected interest rates, higher than expected

collision and property damage costs, and the PUB ordered 8% rate decrease

(compared to the 6.8% applied for rate decrease) resulted in 2012/13

unearned premiums that were not sufficient to cover all expected costs.

Therefore, the Corporation had to write-down $15 million of deferred policy

acquisition costs (i.e. commissions and premiums taxes).

These actual results are $76.9 million lower than the 2012/13 forecast contained in

the 2013 General Rate Application (GRA). The reason for this unfavourable variance

from the forecast is reflected in lower earned premiums by $3.8 million, higher claim

costs by $46.3 million, higher operating costs by $5.5 million and lower investment

income by $12 million. The most significant difference compared to last year’s

forecast was with respect to higher physical damage claims incurred. The number of

actual collision claims rose by 11,694 or 7.8 per cent, which contributed to an

increase in the cost of these claims by $31.0 million compared to last year’s forecast.

The increased number of collisions was primarily due to the many storms that

occurred in the winter of 2012/13. As stated earlier, low interest rates, lower returns

on equities and fewer cash dividends contributed to investment income being $12

million less than last year’s forecast.

Another contributing factor to the difference from forecasted results is that last

year’s GRA submission was based on the former Public Utilities Board directed cost

allocation methodology whereas the actual results for 2012/13 are based on the new

cost allocation methodology approved by the Public Utilities Board in December 3,

2012 Order No. 157/12. The new cost allocation methodology uses net claims

incurred as the allocator for claims expenses to the insurance lines of business.


Page 4

OV.4 New Financial Forecasting Model

The Corporation implemented a new financial modeling tool this year which has

improved the ability to forecast different scenarios more quickly and accurately. In

particular, the model can more accurately incorporate complex assumptions

regarding the various types of investments held. For example, the model has the

ability to assume different portfolio turnover frequencies for purposes of recognizing

the gains on the sale of equities. The model also establishes the ability to forecast a

rebalancing of the portfolio in line with our Investment Policy Statement sector

allocation. In addition, the new tool enables us to forecast the impact that changes in

interest rates have on the value of the fixed income portfolio and claims liabilities.

Modeling interest rate impacts was not possible with our previous model. Given the

Basic insurance program sensitivity to interest rates, the Corporation believes these

impacts must be considered going forward. Also, it was clear at the DCAT technical

conference that the Board’s actuary expects these impacts to be included in the

Corporation’s financial forecast.

OV.5 Dynamic Capital Adequacy Test (DCAT) Technical Conference at Public Utilities Board

The Public Utilities Board held a DCAT technical conference on April 18 and 19, 2013.

The DCAT Technical Conference helped the Corporation better understand the

position of the Board’s consultants with respect to the DCAT methodology. It is the

Corporation’s perspective that the consultants support the use of the DCAT as the

tool to establish the RSR target and that the DCAT is to be prepared in conformance

with actuarial standards of practice. The adverse scenarios are to be designed

specifically for the Corporation’s circumstances and the establishment and analysis of

these scenarios are to be based on actuarial standards of practice and the judgment

of the Corporation’s actuary.

Amongst other things, the Corporation agreed to: include a forecasted balance sheet

in the DCAT (starting with the 2015 GRA); include more detailed information


Page 5

including changes from previous years; incorporate the impact of projected changes

in interest rates from the investment model on claims liabilities (rather than

assuming no change in interest rates); consider giving different weight to the

historical data on equity returns and inflation recognizing the recent experience may

be more relevant than older periods. The DCAT will be run in a pure form first

without inclusion of either management or regulatory action, and then include these

actions, as assumed. It was recognized that the purpose is to put the actuarial DCAT

framework in place to allow the PUB to establish an appropriate risk tolerance level

of the RSR.

Given the additional work that was agreed to at the DCAT Techncial Conference, the

complete DCAT report will be submitted as soon as possible after the GRA is filed

June 14, 2013.

OV.6 This Year’s Forecast

The revenue and claims forecasting process for Basic Autopac establishes the initial

(without changes) pro forma financial statement, which provides the basis for the

Rate Application. The pro forma reflecting the requested rate increase is contained in

Volume II Pro Formas.

Ignoring for the moment the impact of changing interest rates on asset values and

claims liabilities, the following differences exist from the forecast contained in the

2013 GRA and those prepared for the 2014 GRA.

Basic Net Income (in millions)

Fiscal Year

This Year’s

Forecast

Last Year’s Forecast Change

2013/14 $5.0 -$5.6 $10.6 2014/15 -$27.0 $8.3 -$35.3 2015/16 -$9.4 $22.5 -$31.9

The $10.6M improvement in this year’s 2013/14 forecast is the cumulative result of

the following factors:


Page 6

Earned Vehicle Premiums: $5.2 million lower due to a decrease in the earned

unit forecast

Earned Driver Premiums: $1.6 million lower due to a change in the

assumption regarding driver movement on the DSR scale

Net Claims Incurred: $17.6 million higher mainly due to forecasted increases

in collision and property damage costs

Investment Income: $34.4 million higher

- $38.5 million from the forecasted sale of US equities in the third quarter of

2013/14

- -$4.1 million from all other investment forecast changes due to lower

forecasted interest rates and better forecasting of overall investment

income

All other factors (claims and operating expenses, commission, premium taxes,

road safety, service fees): $0.6 million improvement

As noted above, the most significant variance from the 2013 GRA to the 2014 GRA

forecast for 2013/14 is related to $38.5 million from the sale of an investment in US

Equities held in a passively managed fund. During 2012/13, this US fund stopped

providing cash dividends. Our investment fund manager from the Province of

Manitoba, Department of Finance, determined that the current passive fund

management is inconsistent with the intent of the initial decision to invest in the

passive fund and provides limited value to the insurance program. The Investment

Committee Working Group will be exploring other US investment options that better

align with investment objectives. The Corporation has forecasted a gain from the

sale of the US passive fund in the third quarter of 2013/14 which will mitigate the

impact of other negative aspects of the 2013/14 forecast in an effort to protect the

Rate Stabilization Reserve (RSR) as much as possible. Had the decision not been

made to sell the US Equities, the RSR would have been forecasted to drop below

$100 million in 2013/14.

The deterioration in the other aspects of the 2014/15 and 2015/16 forecasts from

the 2013 GRA to the 2014 GRA are explained by the following overall factors: (Note


Page 7

the 2014 GRA numbers above do not include the 1.8% requested insurance rate

increase.)

Earned Vehicle Premiums: lower due to the same growth factor being applied

to a lower base

Earned Driver Premium: lower due to slower forecasted movement down the

DSR scale

Net Claims Incurred: higher due to higher collision frequency as experienced

last year and early this year as well as normal increases in the forecasted cost

of claims

Investment Income: lower due to lower forecasted investment returns

All other factors (claims and operating expenses, commission, premium taxes, road

safety, service fees): overall improvement due to cost containment measures net of

increases from the change to the approved cost allocation methodology.

Further detailed explanations of last year’s GRA forecast to this year’s GRA forecasts

are contained in the specific sections within the application.

OV.7 Interest rate forecasts

In past forecasts the Corporation essentially ignored the impact that increasing or

decreasing interest rates would have on the value of our claims liabilities (and

therefore claims costs) as well as the impact on the value of our bond portfolio (and

therefore investment income). If the duration of our bond portfolio was perfectly

matched with the duration of our claims liabilities, then the impact to each would be

expected to offset.

Currently the duration of our fixed income portfolio is 7.4 and the duration of our

claims liabilities is 9.0. So while we do match to a significant extent, we are not

perfectly matched and in situations where interest rates are increasing, the benefit to

the claims liabilities exceeds the negative impact to the bond values and there is a

net positive impact to income. Over the past several years when interest rates were


Page 8

declining, the Corporation’s net income was negatively impacted. But not only did

rates decline over this period, they declined while interest rates had been forecasted

to significantly increase. The impact of this variance was not readily obvious, nor did

it create a substantive problem for the overall economic strength of the Basic

insurance program because it occurred at the same time as the Corporation was

making significant reductions to PIPP claim liabilities.

In prior years, the Corporation did not have the modeling tool to properly forecast

the impact of changing interest rates on net income for rate setting purposes. Now

we do. The interest rate forecast is a significant component of this forecast and

impacts the current year as well as the rating years and outlook years.

The forecast is very sensitive to changes in the projected interest rates. A forecast

with increasing interest rates is favourable to the Corporation given the mismatch of

asset and liability duration. However, if an increase in interest rates as predicted

does not occur, the downside impact to the Corporation is significant. For every 10

basis points forecasted increase that does not occur, claims liabilities (and therefore

claims costs) increase by approximately $17 million.

Due to this known sensitivity, it was incumbent upon us to determine the impact of

various interest rate forecast scenarios on the overall rate indicator. The various

scenarios that were analyzed are explained fully in Volume II Investment Income.

The four scenarios analyzed were:

1. The standard interest rate forecast – based on the forecast method used in

previous years

2. The lower interest rate growth forecast – based on the previous forecast

method but with forecasted interest rates increasing over ten years instead of

five

3. The Conference Board of Canada (CBOC) – based on their forecast for the

entire five years

4. The GRA interest rate forecast – explained below


Page 9

The Corporation’s GRA interest rate forecast (denoted by the line with the black

squares in the graph below) mitigates the downside risk of the status quo method in

the first three years by using the lower interest rate growth method but, in the last

two years uses the higher Conference Board forecasted rates. The combination of

these forecasts predicts interest rates will increase from 1.87% to 3.86% over the

next five years and from 2.08% to 2.74% (66 basis points) in 2014/15 to 2015/16.

The pro forma financial statements contained in the submission use this GRA interest

rate forecast as the basis for the Rate Application.

The pro forma financial statements indicated an average net loss over the 2014/15

rating period of -$13.4 million, or 1.8% of total revenues. The Corporation is

proposing an overall rate change of 1.8% for March 1, 2014, the impact of which is

shown in the tables in the RSR section below.

The Corporation will be monitoring interest rates closely on an ongoing basis.

1.0%

1.5%

2.0%

2.5%

3.0%

3.5%

4.0%

4.5%

5.0%

5.5%

6.0%

Feb-08 Feb-09 Feb-10 Feb-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17

Feb 2008Feb 2009Feb 2010Feb 2011Feb 2012Standard Interest Rate Forecast (5 Banks + GI)Low Interest Rate Growth ScenarioCBOCActual

GOC 10 Year Forecasted Rates From 2008 to 2013,

Black boxes indicate preferred interest rate forecast


Page 10

OV.8 The Rate Stabilization Reserve (RSR)

Below is a summary table that shows the interest rate forecast impact on the RSR

assuming no premium rate increase and assuming the recommended 1.8% premium

rate increase.

Base Forecast using GRA Interest Rate Forecast – No Premium Increase ($000) Fiscal Year 2012/13(a) 2013/14 2014/15 2015/16 2016/17 2017/18 Net Income (72,214) 5,472 (14,824) (11,909) 6,009 9,150 RSR $141,469 $146,941 $132,118 $120,209 $126,218 $135,368

Base Forecast using GRA Interest Rate Forecast –

With 1.8% Rate Increase in 2014/15 ($000)

Fiscal Year 2012/13(a) 2013/14 2014/15 2015/16 2016/17 2017/18 Net Income (72,214) 5,472 (7,494) 2,178 20,500 24,240 RSR $141,469 $146,941 $139,448 $141,626 $162,126 $186,366

As evident in the tables above, the base model using the GRA interest rate forecast

and an assumed 1.8% premium rate increase is a balanced approach which

mitigates against the downside risk of lower interest rates during the rating period

and will allow for an appropriate reassessment of premium rates should interest

rates increase in the future.

OV.9 2014/15 Basic Autopac Rates

The results from the pro forma financial statements were input into the 2014/15

actuarial rate model, which produced the overall actuarial indicated rate change of

1.8%.

The indicated overall rate change was then split into indicated Major Class rate

changes based on the historical loss experience of each Major Class. The rates are

balanced to ensure the overall revenue target is achieved. The indicated Major Class

rates are shown in the table below.


Page 11

The impact of the adjustment of vehicle premiums is simulated through the use of a

rate model. The indicated rate changes differ slightly from experience rate changes

due to capping rules. A 15% increase/decrease cap is applied to experience-based

indicators and all final rates are capped at a 20% increase/decrease, with the

exceptions of mopeds and small engine displacement motorscooters, which are

capped at a 25% increase.

Major Class Vehicle Count

Current Avg. Rate

Proposed Avg. Rate

Indicated Rate Change

Experience Rate Change

Private Passenger 745,826 $880 $898 2.0% 2.0%

Commercial 43,361 $655 $664 -1.8% -1.6%

Public 10,965 $1,601 $1,677 4.6% 4.7%

Motorcycles 13,948 $906 $851 -6.0% -6.0%

Trailers 173,209 $56 $60 7.8% 6.6%

Off-Road Vehicles 62,100 $16 $14 -12.9% -12.5%

Overall 1,049,409 $692 $704 1.8% 1.8

One of the main drivers behind the observed rate changes is the forecasted increase

in interest rates, which lowers forecasted investment income and forecasted PIPP

claims cost. This forecast results in a more favourable outcome for classes where

PIPP is a significant component of the classes’ total claims cost (e.g. motorcycles).

Conversely, classes with a lower ratio of PIPP to total claims cost will experience a

less favourable outcome (e.g. the public and trailers classes).

Other reasons for the indicated rate changes by Major Class are as follows:

- Private Passenger: 2.0% rate change. The private passenger class accounts

for approximately 90% of premiums; therefore, the changes are reflective of

the overall forecast.

- Commercial: 1.8% rate decrease. The decrease in forecasted investment

income is offset by the decrease in forecasted PIPP claims (as described

above) for the Commercial major class. Approximately 40% of the class’ total


Page 12

claims costs are for PIPP. In addition, the class is exhibiting lower property

damage claims costs in more recent years.

- Public: 4.6% rate increase. The public class is adversely impacted by the

decrease in forecasted investment income (as described above). The benefit

from the decrease in forecasted PIPP claims (as described above) has a

smaller impact since only 30% of their total claims costs are for PIPP. In

addition, the class is exhibiting higher collision claims costs in more recent

years.

- Motorcycles: 6.0% rate decrease. The motorcycles class benefits the most

from the decrease in forecasted PIPP claims (as described above) since

approximately 85% of their total claims costs are for PIPP. In addition, the

class experienced a decline in loss costs for insurance year 2012/13 despite

an 8% increase in units.

- Trailers: 7.8% rate increase. The trailer class is adversely impacted by the

decrease in forecasted investment income (as described above). In addition,

comprehensive claims costs for the class are higher in more recent years due

to increased hail activity.

- Off Road Vehicles: 12.9% rate decrease. The expected total claims cost for

the off road vehicles class decreased due to a change to averaging claims

experience over a ten year period rather than five years. Using a ten year

period will help to stabilize dollar swings from year to year.

OV.10 International Financial Reporting Standards

There have been revisions to some International Financial Reporting Standards that

will begin to impact the reported results of the Corporation in 2013/14 and

subsequent years.

International Accounting Standard (IAS) 19 Employee Benefits amendments will

require actuarial gains and losses to be recognized immediately in other

comprehensive income. This change will eliminate the ability for entities to recognize

all changes in defined benefit obligation and in plan assets in profit or loss, which is

currently allowed under IAS 19 and which the Corporation does. The Corporation


Page 13

does not forecast the potential impact of the change in pension valuation in the pro

forma statements used for rate setting purposes. Therefore the impact of the

implementation of the amendment to IAS 19 will not impact proposed rates.

The comment period on the exposure draft for amendments to IFRS 9 Financial

Instruments is now closed and the revised standard is expected to be finalized in

2013 with an expected effective date for year ends commencing after January 1,

2015. The Corporation would be required to implement changes for its yearend

financial statements at February 28, 2016. The Corporation has engaged its IFRS

consultant, Deloitte, to prepare a report to identify the impact to financial results

from the amendments to IFRS 9. The Deloitte report will be filed with the PUB before

September, 2013.

The Deloitte report will also provide the Corporation with potential implications of the

new exposure draft proposals on Insurance Contract Accounting IFRS 4. The new

exposure draft is expected in June this year, with the new standard to be issued in

2014 and the mandatory effective date likely in 2018 (applying to February 28, 2019

fiscal year end for the Corporation).

OV.11 Benchmarking, Productivity and Cost Effectiveness

In its Order No. 157/12, the Public Utilities Board ordered that:

“The Corporation develop productivity factors to enable the assessment of the

cost containment measures and file those factors at the next General rate

Application.”

The Corporation continues to strive to enhance the services it provides and increase

productivity. Volume I SM.5.3 Benchmarking, Productivity and Cost Effectiveness

provides the Board with productivity measures the Corporation uses to monitor

operations and the attainment of the corporate goals.

The Corporation has always measured compliance with three macro mandate driven

measures:


Page 14

1. Rates that are on average lower than those charged by private insurance

companies for a comparable price and coverage.

2. Basic returns at least 85% of premium revenue to Manitobans in the form of

claims benefits; and,

3. Lower annual increases in the Consumer Price Index for auto insurance than

the rest of Canada.

Second, this application contains a comparison of the Corporation’s performance to

national benchmarks in the Ward Group Canadian Auto Insurer Benchmark Group.

Third, in the Information Technology area, the Corporation has also in the past filed

with the Board the annual CIO Scorecard as prepared by the Gartner Group. This is

currently being prepared and will be filed with the Board in early July.

Fourth, the Corporation has now prepared a series of internal measures. Volume I

SM.5.3 Benchmarching, Productivity and Cost Effectiveness provides several internal

measures that show the trend in operational efficiencies achieved through the

various improvement initiatives (BI3, Service Centres and Contact Centre)

implemented in the last several years.

OV.12 Road Safety

The Corporation’s road safety efforts are first and foremost focused on establishing

premiums that reflect individual driver risk profiles, administering The Drivers and

Vehicles Act (DVA) programs such as the Driver Improvement and Control program,

and heavily subsidizing quality driver training for young new drivers. In addition,

complementary efforts are focused on educating Manitobans and raising awareness

about key road safety risks that contribute to collisions, fatalities and serious

injuries. This is achieved through a variety of road safety programs, public


Page 15

advertising and awareness campaigns, and grass-roots community engagement

efforts throughout Manitoba as outlined in Volume I SM.5.4 Road Safety.

As reported in the 2013 GRA, the Corporation believes there are significant

opportunities to transform the current High School Driver Education (HSDE) program

into a leading program.

In January 2013, The American Driver and Traffic Safety Education Association

(ADTSEA), the foremost driver education experts within North America at both the

practitioner and administrative levels, was hired to perform a comprehensive global

jurisdictional scan of driver education programs and the strategies contained within

these programs.

The Corporation is currently reviewing and assessing the report to determine if any

actions may be incorporated into the current High School Driver Education program.

Volume I SM.5.4 describes the Corporation’s various Road Safety programs.

OV.13 A New Look

The GRA has been reformatted this year in an attempt to improve its readability and

better support the Corporation’s submission.

Volume I continues to contain the main elements of the application itself; 2014 rate

table, experience adjustment rules, etc. The three separate pre-filed testimonies of

the President, Chief Financial Officer and Chief Actuary have been replaced by this

overview document that provides the highlights of the rate application.

Volume II contains all the documents that support the main components of the rate

forecast. This volume is organized in the same manner as the pro forma financial

statements with a discreet section for each of the main elements.


Page 16

Volume III contains all the additional information that is ancillary to the actual

application.

In order to assist the Public Utilities Board panel members, its advisors and

interveners, a complete mapping is provided in each volume with the Table of

Contents that indicates where the current section can be found in previous

submissions as well as a second mapping of where previous GRA schedules can be

found in the new submission.

OV.14 Witnesses

The three individual witnesses who will testify at the hearing on behalf of the

Corporation are Marilyn McLaren, President & Chief Executive Officer; Heather

Reichert, Vice President of Finance and Chief Financial Officer; and Luke Johnston,

Executive Director of Pricing and Economics and Chief Actuary.

In addition, Allen Robinson and Brett Robinson from the American Driver and Traffic

Safety Education Association, who prepared the Global Analysis of Emerging,

Promising and Best Practices in Driver Education (found in SM.5.4 Attachment B),

will testify on the content of their review.


Page 17

OV.15 Approvals Sought

In the 2014 Basic Autopac GRA the Corporation is requesting that the Board

approve:

the premiums charged with respect to compulsory driver and vehicle

insurance (rates for service) effective March 1, 2014.

a 1.8% overall Basic insurance rate increase effective March 1, 2014.

the use of the DCAT methodology to determine the Basic Autopac RSR

target, based on the Chief Actuary’s final DCAT report which will be

submitted in June.

a range around the recommended RSR target (if a range is deemed

necessary) based on the actuarial guidelines of a one-in-twenty to a one-

in-one hundred probable event.

MANITOBA PUBLIC INSURANCE 2014 RATE APPLICATION

SUPPORTING MATERIAL CONTENTS

SM.1 The Basic Insurance Rate Setting Framework

SM.2 Program Costs

SM.3 Program Revenue

SM.4 Projected Financial Results

SM.5 PUB Orders SM.5.1 Productivity Factors SM.5.2 Cost Allocation Methodology SM.5.3 Dynamic Capital Adequacy Test Tehnical Conference SM.5.4 Road Safety

SM.6 Media Package SM.6.1 News Release SM.6.2 Notice of Public Hearing and Pre-Hearing Conference


SM.1 THE BASIC INSURANCE RATE SETTING FRAMEWORK

SM.1.1 Corporate Goals

The Corporation’s goals, as outlined in Manitoba Public Insurance’s Corporate

Strategic Plan, Volume III A1.6 Part 2, are:

1. Universally available mandatory protection against the cost of automobile

accidents. Rates, on average, will be lower than those charged by private

insurance companies for comparable coverage and service.

2. The Basic plan will return at least 85 per cent of premium revenue to

Manitobans in the form of claims benefits.

3. Manitoba Public Insurance will be a leader in automobile insurance and

vehicle and driver licensing, providing Manitobans with superior products,

coverage and service. The Corporation will utilize technology to provide

products and services that will enhance the value it delivers to Manitobans.

4. Manitoba Public Insurance will provide service that is responsive, fair,

courteous and convenient. Manitoba Public Insurance will meet corporate

customer service standards that are based on customer expectations.

5. Retained earnings and the Rate Stabilization Reserve will be maintained

within established target levels.

6. Manitoba Public Insurance will offer an environment and career opportunities

that will encourage employees to strive for excellence. Our people will be

treated with respect and fairness and their contributions will be recognized.

7. Manitoba Public Insurance will lead driver and vehicle safety initiatives that

reduce risk and protect Manitobans, their streets and their neighbourhoods.

June 14, 2013 2014 RATE APPLICATION The Basic Insurance Rate Setting Framework – SM.1

Page 2

Manitobans will recognize the Corporation is living its mission.

Some examples of how these guide the Corporation are:

Claims service and cost saving initiatives that not only improve customer

service, but also result in lower average rates for the coverage provided.

Efficient operations that ensure goals relating to the return of premium dollars

in the form of claim payments are achieved.

Products, as outlined in Volume III Section AI.1 Basic Autopac Coverage and

Benefits, that are better or equal to those offered in most jurisdictions.

Active, effective loss prevention programs.

These goals also provide the framework in which the Basic Autopac rates are

established. Particularly important to this process are the first and fifth goals.

Having stable overall rates and using rating approaches that are based on actuarial

principles, following accepted industry practice for risk classification and applying

these in a consistent fashion ensures these goals, from a rate setting perspective,

are met.

The measures and strategies for achieving these goals are located in Volume III

AI.6 Part 2 Corporate Strategic Plan.

SM.1.2 Rating Approaches

SM.1.2.A Actuarial Principles

The Corporation’s rating approach is based on actuarial principles. It ties rates

directly to costs, assuring equity. It minimizes cross subsidization between

customers and provides for rates that are responsive to changes in claim patterns. It

ensures complete enumeration of all expected costs, allowing for assurance that the

‘break-even target’ is achieved.


Page 3

SM.1.2.B Risk Classification

The Corporation’s rating approach uses four easy to apply categories that are

consistent with normal industry practices. The categories are: location, type of use,

type of vehicle and driving record. These categories simplify the requirements for the

customer. All components of risk classification, except the use of the vehicle, are

enumerated directly by the Corporation. For example, the Corporation links directly

to the driving record information, in lieu of the customer reporting the information.

The customer’s requirement is to simply describe the vehicle use and any changes to

their address.

Balancing this simplicity and ease of understanding is the need to ensure equity of

rates paid. By utilizing different dimensions unique to the risk arising from location,

type of use, type of vehicle and driving record, the Corporation is able to assure

different risks pay different rates and similar risks pay similar rates.

Further details on risk classification can be found in Volume III AI.3 Driver

Classification System and AI.4 Vehicle Classification System.

SM.1.2.C Consistent Techniques and Approaches

To ensure stability of rates at the classification detail level (insurance use and

territory), improvements are adopted on an incremental basis to the rate setting

rules as necessary. Substantive changes would yield a substantial fluctuation in the

year of the change.

Complementing this is the approach to using the underlying statistical data. The

Corporation uses the data as reported in its claims database in a structured,

consistent manner each year.

Collision and comprehensive claims are applied on a first party basis (losses are

100% allocated to the vehicle incurring the loss), with the exception of motorcycles.

For motorcycle collision claims, 100% of motorcycle costs from single vehicle claims

and 50% of motorcycle costs from multi-vehicle claims were attributed to

motorcycles. The balance of the motorcycle collision costs were allocated to all other

Highway Traffic Act power units. There is no special allocation for motorcycle


Page 4

comprehensive claims because this coverage is not included in the Basic plan.

The Personal Injury Protection Plan costs are allocated in accordance with PUB order

97/05 and modifications in PUB order 122/10.

PUB Order 97/05

(a) In any accident involving only MPI-insured vehicles (one or more) and no

other injured party, total PIPP costs are to be allocated equally (per vehicle)

across the rating categories to which those vehicles belong; and

(b) In any accident involving one or more MPI-insured vehicles and (i) one or

more unidentified hit-and-run offenders, or (ii) another injured party or

parties (including cyclists, pedestrians, and occupant(s) of out-of-province

vehicles), 50% of total PIPP costs are to be allocated equally (per MPI-insured

vehicle) across the rating categories to which the MPI-insured vehicles

belong, and the remaining 50% of total PIPP costs are to be effectively

allocated across all vehicle rating categories.

PUB Order 122/10

The loss attribution rules provided in Board Order 97/05 for single vehicle

accidents involving pedestrians and cyclists are amended to include

wildlife/livestock related accidents.

SM.1.3 Rate Setting Process

The rate setting process is a combination of claims and revenue forecasting,

budgeting, financial modeling, ratemaking and rate modeling. To determine the

required rates for the upcoming insurance year, the Corporation:

Forecasts the expected costs and revenues from all sources (claims and

revenue forecasting, budgeting)

Creates pro forma financial statements (financial modeling)

Allocates the budgeted and forecasted operating expenses to each line of

business and expense type (financial modeling)

Determines the change in revenue that results in break-even Basic net


Page 5

income over the rating period (financial modeling)

Allocates the forecasted claims costs to each rating classification based on

historical loss costs (ratemaking)

Allocates the forecasted expenses and revenue items equitably to each rating

classification (ratemaking)

Determines rate changes for each rating classification such that the overall

rate change target is achieved and rating rules are followed (ratemaking and

rate modeling)

The Claims Forecasting Committee forecasts the expected costs associated with

settling claims that will occur in the rating period. Key indicators used to forecast

claims costs include:

Historical claims costs on an ‘at 12 month’ and ultimate basis

Projected changes in claims frequency (e.g. increases in hail frequency,

reductions in theft frequency)

Projected changes in claim severities (e.g. inflation, average cost or number

of parts, industrial average wage)

Projected growth in the overall fleet

The projected interest rates on the Corporation’s fixed income portfolio, which

are used as the basis for discounting claims liabilities

Detailed information on the Claims Forecasting procedures can be found in Volume II

Claims Incurred.

The Revenue Forecasting Committee forecasts expected revenue over the ratesetting

period. The forecasts are based on historical information, field information and

external economic information including:

Vehicle premium

o Vehicle volume – change in number of vehicles

o Vehicle upgrade – changes in the average premium that are generated

from customers’ buying newer vehicles or moving to different rating

classifications


Page 6

Driver premium

o Driver volume – changes in the number of drivers

o Movement of drivers on the Driver Safety Rating scale

Service fees

Fleet rebates and surcharges

Reinsurance premiums

Anti-theft discounts

A detailed explanation of the revenue forecasting procedure can be found in Volume

II Revenue.

The budgeting process provides the expected costs of:

Claims expenses

Operating expenses

Road safety expenditures

Regulatory expenditures

Improvement Initiative expenditures, including capital

A summary of Basic expenses can be found in Volume II Expenses.

The financial model forecasts investment income from the investment portfolio. The

investment income forecast incorporates:

Forecasted interest rates, which are provided by external forecasters

Return assumptions for each asset class in the portfolio

Accounting treatment for each asset class and rebalancing rules

Investment management fees and pension expense

Further details on Investment Income can be found in Volume II Investment Income.

The Financial Model combines the outputs from the claims forecasting committee,

revenue forecasting committee, the budgeting process, and the investment income

forecast. Through the utilization of various techniques and assumptions, pro forma

income statements are subsequently generated from this information. The


Page 7

Corporation implemented a new financial modeling tool this year which has improved

the Corporation’s ability to forecast scenarios more quickly and accurately. Details on

the new financial modeling tool can be found in Volume I Overview.

The Basic pro forma financial statements can be found in Volume II Pro Formas.

Using the pro forma financial statements, the Corporation determines the overall rate

requirement by calculating the change in revenue required such that Basic net

income is equal to zero over the rate setting period. For the 2014/15 Rate

Application, the proposed rates are for policies with effective dates from March 1,

2014 to February 28, 2015. Due to staggered renewals, about half of the 2014/15

policies are earned in the 2014/15 fiscal year and half in the 2015/16 fiscal year. The

Corporation determines break even net income by taking the average net income of

the 2014/15 and 2015/16 fiscal years.

The determination of the overall required rate and the major classification required

rates are done using the pure premium approach. The vehicle fleet is divided into six

major classifications:

Private passenger vehicles

Commercial vehicles

Public service vehicles

Motorcycles

Trailers

Off road vehicles

The composition of vehicles in each major class is further subdivided using the

following rating variables:

Territory

Insurance use

Rate groups

Gross vehicle weight (GVW) – Commercial and Public major classes

Body style and engine displacement – Motorcycles major class


Page 8

Further information on the Corporations vehicle classification system can be found in

Volume III AI.4 Vehicle Classification System.

The historical claims costs (for rate setting purposes) are determined for each of the

rating classifications listed above. These claims costs are then converted to

relativities (i.e. claims costs per unit relative to average claims cost per unit) for

each rating variable. The relativities are then used to allocate the expected losses for

the 2014/15 rating year (from the pro forma financial statements) to each rating

classification producing the indicated pure premium. All other expense and revenue

items from the pro forma statements are then allocated to each classification

producing the required rate. The required rates are then compared to the current

rates, which produces the indicated experience adjustments.

Further details on the ratemaking methodology, the required rate changes by Major

Classifications and experience adjustments can be found in Volume II Ratemaking.

A Rate Model is used to determine the impact of rating changes on the vehicle and

driver population and to ensure that classification changes are applied in a consistent

and incremental manner. The classification changes include rate group and rate line,

as well as other rating variable changes. Information on classification changes,

overall rate model results and the impact on the vehicle population can be found in

Volume II Ratemaking.

MANITOBA PUBLIC INSURANCE SM.2 PROJECTED FINANCIAL RESULTS

The Corporation has provided audited financial statements for the Basic program

showing actual financial results for 2012/13, plus un-audited forecasts for 2013/14

through 2017/18. The Basic pro forma financial statements are included as

Attachment A to this section.

The rate setting methodology uses the relative loss costs by rating classification

combined with the indicated pro forma financial statements to produce the indicated

rate changes by rating classification. The Major Classification Required Rate Changes

are included as Attachment B to this section. The indicated 2014/15 overall required

rate change relative to current rates is 1.8%. The Corporation has selected an

overall rate increase of 1.8% based on this indication.

The indicated overall rate change for the 2014/15 Basic rates should produce a

change in premium revenue such that the average net income over the rating period

(i.e. 2014/15 and 2015/16) is close to zero. Due to staggered renewals, about half of

the 2014/15 policies are earned in the 2014/15 fiscal year and half in the 2015/16

fiscal year. The average net income over these two fiscal years is a loss of $2.7

million (a $7.5 million loss in 2014/15 and a $2.2 million gain in 2015/16), which the

Corporation considers break-even for rate setting purposes.

Various sections of Volume II Pro Formas (noted as follows) provide details relating

to the financial statements:

Section PF.1 presents the forecast 2013/14 to 2017/18

Section PF.2 provides a six year comparison Statement of Operations for

years 2008/09 to 2013/14

Section PF.3 shows the rate stabilization reserve level for Basic program for

years 2008/09 to 2017/18

June 14, 2013 2014 RATE APPLICATION SM.2 Projected Financial Results – Attachment A

Page 1

Manitoba Public InsuranceMulti-year StatementsFor the Years Ended February,

(C$ 000s, except where noted) Forecast

2014F 2015P 2016P 2017P 2018P

BASIC

Motor Vehicles 757,933 805,344 840,485 877,096 915,225

Drivers 42,144 47,548 51,748 56,158 56,158

Reinsurance Ceded (13,422) (14,183) (14,989) (15,849) (16,765)

Total Net Premiums Written 786,655 838,709 877,244 917,405 954,618

Net Premiums Earned

Motor Vehicles 741,742 783,511 824,302 860,236 897,666

Drivers 37,398 44,846 49,648 53,953 56,159

Reinsurance Ceded (13,422) (14,183) (14,989) (15,849) (16,765)

Total Net Premiums Earned 765,718 814,174 858,961 898,340 937,060

Service Fees & Other Revenues 20,905 20,546 22,066 23,795 25,826

Total Earned Revenues 786,623 834,720 881,027 922,135 962,886

Net Claims Incurred 647,199 644,705 659,848 667,171 683,734

Claims Expense 110,675 118,414 120,568 122,832 136,432

Road Safety/Loss Prevention 12,426 11,587 10,634 10,629 10,614

Total Claims Costs 770,299 774,706 791,050 800,632 830,780

Expenses

Operating 66,772 69,942 69,862 72,163 75,052

Commissions 31,996 32,430 34,138 35,660 37,107

Premium Taxes 23,374 24,851 26,219 27,426 28,615

Regulatory/Appeal 3,257 3,312 3,368 3,423 3,481

Total Expenses 125,399 130,535 133,586 138,672 144,255

Underwriting Income (Loss) (109,075) (70,521) (43,609) (17,169) (12,149)

Investment Income 114,547 63,027 45,787 37,668 36,389

Net Income (Loss) from Operations 5,472 (7,494) 2,178 20,500 24,240

Projected

June 14, 2013 2014 RATE APPLICATION SM.2 Projected Financial Results – Attachment B

Page 1

MANITOBA PUBLIC INSURANCE MAJOR CLASSIFICATION – REQUIRED RATE CHANGES

Private Motor- Overall Pass Comm Public Cycle Trailer ORV 14/15 Units 1,117,000 793,800 46,200 11,700 14,800 184,400 66,100

Claims 582.56 746.08 509.30 1,392.87 666.15 43.59 11.43

Claims Expense 108.37 138.79 94.74 259.12 123.92 8.11 2.13

Road Safety 9.95 12.82 12.82 12.82 12.82 0.00 0.00

Operating Expense 65.57 84.53 84.53 84.53 84.53 0.00 0.00

Commission: Vehicle 24.84 31.77 22.18 57.41 27.47 2.11 0.46

Prem Tax: Vehicle 22.18 28.37 19.81 51.26 24.53 1.88 0.41 Comm & Prem Tax: Driver 2.71 3.49 3.49 3.49 3.49 0.00 0.00

Commission Flat Fee 4.73 6.10 6.10 6.10 6.10 0.00 0.00

Reins: Casualty 2.44 3.15 3.15 3.15 3.15 0.00 0.00

Reins: Catastrophe 10.25 11.05 11.05 11.05 0.00 11.05 0.00

Fleet Rebates 13.40 17.58 17.58 17.58 0.00 0.00 0.00

Anti-Theft Discount 3.19 4.48 0.00 0.00 0.00 0.00 0.00

Driver Prem 42.57 54.87 54.87 54.87 54.87 0.00 0.00

Service Fees 18.99 24.48 24.48 24.48 24.48 0.00 0.00

Inv Inc: Driver 2.69 3.47 3.47 3.47 3.47 0.00 0.00

Inv Inc: Vehicle 46.73 59.78 41.74 108.02 51.69 3.97 0.86

Req Rate (Raw) 739.20 945.61 660.19 1,708.53 817.65 62.77 13.56

Req Rate (Bal) 739.20 945.61 660.19 1,708.53 817.65 62.77 13.56

13/14 Average Rate 687.62 875.68 647.52 1,582.66 895.15 55.36 15.81

Major Class Drift 5.6% 5.9% 4.3% 1.8% 0.6% 5.0% 0.0% 14/15 Average Rate Without Rate Change 726.33 927.39 675.33 1,611.07 900.15 58.12 15.81

Full Cred Req Change 1.8% 2.0% -2.2% 6.0% -9.2% 8.0% -14.3%

Applied for Change 1.8% 2.0% -2.2% 6.1% -9.1% 8.0% -14.2%

Credibility 99.2% 88.5% 66.1% 71.2% 96.8% 91.7%

Cred Wtd Change 2.0% -1.8% 4.6% -6.0% 7.8% -12.9%

Cred Wtd Req Rate 945.86 663.49 1,685.64 846.28 62.68 13.77

Cred Wtd Req Rate (Bal) 739.41 945.55 663.27 1,685.08 846.00 62.66 13.77

Cred Wtd Change (Bal) 2.0% -1.8% 4.6% -6.0% 7.8% -12.9%

MANITOBA PUBLIC INSURANCE SM.3 PROGRAM REVENUE AND INVESTMENT INCOME

The Manitoba Public Insurance Corporation relies on four main sources of revenue to

fund the Basic Autopac program. These are vehicle premiums, drivers’ licence

premiums, service and transaction fees, and investment income.

SM.3.1 Overall Vehicle Premiums Written vehicle premiums accounted for 87% of Basic revenue in 2012/13. Vehicle

premiums change due to three factors:

- Rate changes: As ordered by the Public Utilities Board

- Volume growth: Growth in the number of vehicles

- Upgrade: Any change in the average rate per vehicle caused by factors other

than rate changes (e.g. customers replacing older vehicles with newer

vehicles, customers moving from one territory to another, distribution of

drivers on the DSR scale)

The table below shows a comparison of this year’s and last year’s written vehicle

premiums forecast. The forecast assumes a 1.8% overall rate change in 2014/15.

Motor Vehicle Premiums Written ($000) – Includes 1.8% Rate Increase

Year This Year Last Year Difference % Difference

2012/13(a) $722,773 $729,600 ($6,827) -0.94%

2013/14 $757,933 $761,582 ($3,649) -0.48%

2014/15 $805,344 $794,869 $10,475 1.32%

2015/16 $840,485 $828,408 $12,077 1.46% (a) actual

For the 2012/13 fiscal year, the written vehicle premiums were $6.8 million lower

than forecast. The difference, which is explained in detail in Volume II Revenues

section R.1.5 Total Motor Vehicle Premium, is the result of much higher than normal

growth in the number of drivers and vehicles in late 2011/12 and early 2012/13.

These high growth rates resulted in higher than expected written vehicle premiums

June 14, 2013 2014 RATE APPLICATION Program Revenue and Investment Income – SM.3

Page 2

in fiscal 2011/12 (written premiums were $18.3 million over budget in 2011/12). The

higher 2011/12 base premiums were then used to forecast 2012/13 written vehicle

premiums. However, the significant driver and vehicle growth that occurred in

2011/12 did not continue in 2012/13 resulting in the $6.8 million deviation from

budget.

The key changes to the vehicle premium forecast going forward are as follows:

- Rate Changes: This year’s forecast includes a 0% rate change in 2013/14

(per PUB Order 157/12) and a 1.8% rate increase in 2014/15 (as proposed in

this Application). Last year’s forecast assumed no rate change in 2014/15.

- Volume and Upgrade: The 2013/14 volume growth factor was increased to

2.00%, compared to 1.75% last year. The increase was based on the higher

than average vehicle volume growth in the past two years. The change results

in approximately $2 million per year in additional revenue. The volume factor

of 1.75% for 2014/15 and thereafter were not changed.

The written and earned motor vehicle premium forecast is provided in Volume II

Revenues.

SM.3.2 Vehicle Premiums by Rating Classification

Vehicle premiums are charged based on the classification system:

Major Class – Private Passenger, Commercial, Public, Motorcycle, Trailer

and Off Road Vehicles

Rating territory — Based on the primary address of the registered owner

Insurance use — Based on the primary use of the vehicle

Vehicle Rating Factors — Based on factors such as the rate group, gross

vehicle weight, body style, engine displacement and seating capacity. Rate

groups are based on Canadian Loss Experience Automobile Rating

(CLEAR) recommendations, age or declared value


Page 3

Vehicle premium discounts — Based on the registered owner’s Driver

Safety Rating (DSR) level (i.e. their claim and driving/conviction record)

The description of the Corporation’s vehicle classification system is located in Volume

III AI.4.

The average change in rates, including adjustments for rate group, rate line, truck

gross vehicle weight relativities, experience adjustments and special rate

adjustments, are shown in Volume II Ratemaking. The dollar and percent

distributions by major class are shown in Volume II Ratemaking Subsection RM.6.

The adjustments in revenues for each major class are shown in the following table.

Indicated rate changes differ slightly from experience rate changes due to capping

rules. A 15% increase/decrease cap is applied to experience based indicators and

all final rates are capped at a 20% increase/decrease, with the exceptions of

mopeds and small engine displacement motorscooters, which are capped at a 25%

increase.

Major Class Vehicle Count

Current Avg. Rate

Proposed Avg. Rate

Indicated Rate Change

Experience Rate Change

Private Passenger 745,826 $880 $898 2.0% 2.0%

Commercial 43,361 $655 $664 -1.8% -1.6%

Public 10,965 $1,601 $1,677 4.6% 4.7%

Motorcycles 13,948 $906 $851 -6.0% -6.0%

Trailers 173,209 $56 $60 7.8% 6.6%

Off-Road Vehicles 62,100 $16 $14 -12.9% -12.5%

Overall 1,049,409 $692 $704 1.8% 1.8%

One of the main drivers behind the observed rate changes is the forecasted increase

in interest rates, which lowers forecasted investment income and forecasted PIPP

claims cost. This forecast results in a more favourable outcome for classes where


Page 4

PIPP is a significant component of the classes’ total claims cost (e.g. motorcycles).

Conversely, classes with a lower ratio of PIPP to total claims cost will experience a

less favourable outcome (e.g. the public and trailers classes).

Other reasons for the indicated rate changes by Major Class are as follows:

- Private Passenger: 2.0% rate change. The private passenger class accounts

for approximately 90% of premiums; therefore, the changes are reflective of

the overall forecast.

- Commercial: 1.8% rate decrease. The decrease in forecasted investment

income is offset by the decrease in forecasted PIPP claims (as described

above) for the Commercial major class. Approximately 40% of the class’ total

claims costs are for PIPP. In addition, the class is exhibiting lower property

damage claims costs in more recent years.

- Public: 4.6% rate increase. The public class is adversely impacted by the

decrease in forecasted investment income (as described above). The benefit

from the decrease in forecasted PIPP claims (as described above) has a

smaller impact since only 30% of their total claims costs are for PIPP. In

addition, the class is exhibiting higher collision claims costs in more recent

years.

- Motorcycles: 6.0% rate decrease. The motorcycles class benefits the most

from the decrease in forecasted PIPP claims (as described above) since

approximately 85% of their total claims costs are for PIPP. In addition, the

class experienced a decline in loss costs for insurance year 2012/13 despite

an 8% increase in units.

- Trailers: 7.8% rate increase. The trailer class is adversely impacted by the

decrease in forecasted investment income (as described above). In addition,

comprehensive claims costs for the class are higher in more recent years due

to increased hail activity.

- Off Road Vehicles: 12.9% rate decrease. The expected total claims cost for

the off road vehicles class decreased due to a change to averaging claims

experience over a ten year period rather than five years. Using a ten year

period will help to stabilize dollar swings from year to year.


Page 5

As in the past, the impact of the adjustment of vehicle premiums is simulated

through the use of a rate model. The model shows the combined impact on

premiums resulting from rate and classification changes. The 2014/15 rate modeling

process considered the impact on a vehicle population of 1,049,407 vehicles.

The following tables show the distribution of vehicles by dollar and percent change,

after all adjustments. The proposed rate changes result in a rate decrease for 24.7%

of vehicles, no change in rates for 7.9% of vehicles, and a rate increase for 67.4% of

vehicles. 69% of vehicles experience a rate change of +/- $20 or less (including

vehicles receiving a $0 change in rates) and 76% of vehicles experience a rate

change of +/- 5% or less. More detailed tables, by major class, can be found in

Volume II Ratemaking, subsection RM.6.

$ change # of Vehicles % of Vehicles

Decrease $300 or more 9 0.00%

Decrease $200 to $299 99 0.01%

Decrease $150 to $199 511 0.05%

Decrease $100 to $149 3,202 0.31%

Decrease $50 to $99 16,677 1.59%

Decrease $20 to $49 20,692 1.97%

Decrease $1 to $19 217,895 20.76%

No Change 83,234 7.93%

Increase $1 to $19 420,444 40.06%

Increase $20 to $49 182,933 17.43%

Increase $50 to $99 100,673 9.59%

Increase $100 to $149 2,193 0.21%

Increase $150 to $199 161 0.02%

Increase $200 to $299 0 0.00%

Increase $300 or more 686* 0.07%

GRAND TOTAL 420,444 40.06% *all Taxis


Page 6

% change # of Vehicles % of Vehicles

Decrease 20% or more 3 0.0%

Decrease 15% to 20 % 5 0.0%

Decrease 10% to 15% 100,078 9.54%

Decrease 5% to 10% 13,274 1.26%

Decrease less than 5% 145,725 13.89%

(No Change) 83,234 7.93%

Increase less than 5% 563,799 53.73%

Increase 5% to 10% 99,790 9.51%

Increase 10% to 15% 42,474 4.06%

Increase 15% to 20% 24 0.0%

Increase 20% to 25% 538 0.05%

Increase 25% or more 465 0.04%

GRAND TOTAL 1,049,409 100.00%

SM.3.2.A Discount for After-Market Anti-Theft Immobilizers

The Corporation provides an annual $40 anti-theft discount on the Basic premium

when an approved aftermarket immobilizer is installed on a qualifying vehicle. Most

passenger vehicles and trucks, 2008 and older, qualify for the discount. Vehicles of

model year 2009 or newer do not qualify for the discount. This is because the

Canadian Motor Vehicle Safety Regulations require all new cars, vans, light trucks

and SUVs sold in Canada, or imported into Canada, be equipped with an immobilizer

meeting Transport Canada’s standard.

As of March 1, 2013, there were approximately 100,500 vehicles receiving the $40

anti-theft discount. This number will continue to decline over time as older vehicles

are replaced with 2009 or newer vehicles.

The anti-theft discount forecast is provided in Volume II Revenues.


Page 7

SM.3.2.B Vehicle Premium Discounts

The driving record portion of the vehicle classification plan has two components:

DSR Vehicle Premium Discount

Fleet Rebates and Surcharges

DSR Vehicle Premium Discount

For 2014/15, there are no changes to DSR vehicle premium discounts. The Vehicle

Premium Discount scale can be found in Volume I AP.1. Further details on vehicle

premium discounts can be found in Volume III AI.3 Vehicle Classification System.

Fleet Rebates and Surcharges

For 2014/15 there are no changes to the fleet rebate and surcharge scale. The Fleet

Rebate and Surcharge scale can be found in Volume I, AP.1. Further details on the

Fleet Program can be found in Volume III AI.4 Vehicle Classification System. The

fleet net rebate forecast can be found in Volume II Revenues.

SM.3.3 Drivers' Licence Premiums

Drivers’ Licence Premiums accounted for 3.5% of Basic revenue in 2012/13. The

Corporation is not proposing any changes to driver premiums in 2014/15. The

driver premiums by Driver Safety Rating (DSR) level are shown in Volume I AP.1.

The following table shows this year’s forecast compared to last year’s forecast for

drivers’ licence premiums written.

Driver Premiums Written ($000)

Year This Year Last Year Difference % Difference

2012/13(a) $32,692 $33,505 ($813) -2.43%

2013/14 $42,144 $44,498 ($2,354) -5.29%

2014/15 $47,548 $51,543 ($3,995) -7.75%

2015/16 $51,748 $57,649 ($5,901) -10.24% (a) actual The 2012/13 driver premiums were lower than forecast as a result of less than

expected driver growth in 2012/13 (actual 1.85%, forecast: 3.43%).


Page 8

The decreases in the driver premium forecast are mainly the result of revised

driver movement assumptions for demerit drivers. The experience of demerit

drivers improved in the last DSR policy year and this experience was used to make

the latest forecast.

Further details about Driver Licence Premiums and the DSR system can be found in

Volume III AI.3 Driver Classification System. The Driver Premium forecast can be

found in Volume II Revenues.

SM.3.4 Service and Transaction Fees

Service fees and transaction fees accounted for 2.2% of Basic revenue in 2012/13.

This category includes revenue from quarterly and monthly pre-authorized payment

plans, late payment fees, motor vehicle transaction fees, dishonoured payment fees

and pre-authorized default fees.

The table below shows this year’s forecast compared to last year’s forecast for

service and transaction fees.

Service and Transaction Fees ($000)

Fiscal Year This Year’s Forecast

Last Year’s Forecast Dollar Change

Percentage Change

2012/13(a) $18,452 $17,767 $685 3.85% 2013/14 $20,905 $21,061 ($156) -0.74% 2014/15 $20,546 $20,615 ($69) -0.34% 2015/16 $22,066 $22,448 ($382) -1.70%

(a) actual

The Corporation made relatively minor changes to the Service and Transaction Fee

forecast relative to last year. Further details about service and transaction fees can

be found in Volume II Revenues.


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SM.3.5 Investment Income

Investment income accounted for 8.2% of Basic revenue in 2012/13. The Basic

insurance program had cash, fixed income, equities, real estate and infrastructure

investments totalling $1.95 billion as of February 28, 2013. The funds available for

investment are primarily unearned premiums and unpaid claims. Investment income

earned from the portfolio reduces the revenue the Corporation is required to collect

through premiums.

Summary of Major Changes to this Year’s Forecast

The old investment model used in previous years to forecast investment income had

limited capabilities. A significantly improved investment model was developed and

used this year. This new model is able to calculate the impact of different

assumptions and scenarios more quickly and accurately. For instance, the new model

incorporates marketable bond portfolio turnover, equity turnover and has dynamic

rebalancing capabilities. The most significant impact from this new investment model

is the ability to calculate of the impact of changes in interest rates on the market

value of the marketable bond portfolio and claims liabilities.

Interest Rate Scenarios

Interest rates are expected to rise from current levels over the next few years.

However, it is difficult to accurately predict how fast or when rates will rise. The

timing of interest rate increases is a critical assumption in this year’s rate

application. All else equal, a flat interest rate environment will cause net income and

retained earnings to decline over the forecast period, whereas a rapidly rising

interest rate environment would cause positive net income and higher retained

earnings.

The interest rate scenario selected for the GRA application was chosen based on

balancing the risk of higher interest rates, which have not materialized as forecasted

in recent years, versus forecasting lower interest rates, which would require a larger

rate increase.


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This Year vs. Last Year’s Forecast

The following table shows this year’s forecast compared to last year’s forecast for

investment income.

Basic Investment Income ($000)



Percentage Change

2012/13A $68,094 $80,007 ($11,913) -14.89% 2013/14 $114,547 $88,234 $26,313 29.82% 2014/15 $63,027 $95,266 ($32,239) -33.84% 2015/16 $45,787 $102,345 ($56,558) -55.26%

The 2012/13 actual investment income allocated to Basic was $11.9 million lower

than forecasted. The majority of this difference can be explained because actual

equity gains were $8.8 million lower than forecasted, and the actual pension fund

transfer was $6.0 million higher than forecasted.

There were a few major differences from this year’s forecast to last year’s forecast.

This year’s investment income forecast includes a lower interest rate forecast over

the entire forecast period compared to last year’s forecast. As a result, long term

bond income is lower in this year’s forecast relative to last year’s forecast.

The Corporation is forecasting unrealized losses on marketable bonds in this year’s

forecast as a result of the rising interest rate forecast. Interest rate impacts on the

value of the marketable bonds were not incorporated in last year’s forecast.

Last year’s forecast for Canadian equities assumed that 100% of equity gains were

realized. This year, it is forecasted that 20% of Canadian equity gains each year are

realized, which is a more realistic assumption.

The Corporation’s U.S. equity forecast assumes a U.S. equity sale of the U.S. passive

fund in the third quarter of 2013/14 resulting in $38.5 million of realized gains

allocated to Basic. This forecasted gain will mitigate the impact of other negative

aspects of the 2014/15 and 2015/16 forecasts in an effort to protect the RSR as


Page 11

much as possible. Had the decision not been made to sell the U.S. equities, the RSR

would have been forecasted to drop below $100 million in each of 2013/14, 2014/15

and 2015/16.

Real estate investment income was forecasted to be lower than last year’s forecast

because of a change to the projected allocation to real estate over the forecast

period. In this year’s forecast, real estate is expected to be between 10% and 11%

of the total portfolio over the five year forecast. Last year, real estate was forecasted

to reach 13% of the total portfolio by the end of 2013/14.

The detailed assumptions for the Investment income forecast are provided in Volume

II Investment Income.

MANITOBA PUBLIC INSURANCE SM.4 PROGRAM COSTS

The costs associated with delivering the Basic program to Manitoba motorists fall into

the following seven major categories, with claims incurred (claims paid) being the

largest category, followed by claim expenses (claim handling services).

Claims Incurred

Claims Expenses

Operating Expenses

Commissions

Premium Taxes

Road Safety/Loss Prevention

Regulatory/Appeal Expenses

SM.4.1 Cost Allocation The Corporation allocates expenses between the major lines of business/divisions

based on the allocation formulas approved by the Public Utilities Board in Order

157/12. Details on the Corporation’s cost allocation methodology are provided in

Volume II Expenses.

SM.4.2 Claims Incurred Claims incurred accounted for 72% of Basic costs in 2012/13. As shown in the table

below, the Corporation’s overall claims incurred forecast for the rating period

(2014/15 and 2015/16) decreased by an average of $21.7 million, or 3.21%, per

year.

June 14, 2013 2014 RATE APPLICATION Program Costs – SM.4

Page 2

Net Claims Incurred ($000)



Percentage Change

2012/13(a) $661,287 $612,334 $48,953 7.99% 2013/14 $647,199 $638,142 $9,057 1.42% 2014/15 $644,705 $661,812 ($17,107) -2.58% 2015/16 $659,848 $686,137 ($26,289) -3.83%

Net claims incurred were $49.0 million or 7.99% over budget in 2012/13. The main

reasons for this significant difference are as follows:

Collision and property damage claims were $17.0 million over budget as a

result of a 4.0% increase in collisions per HTA vehicle in 2012/13.

PIPP claims were $18.2 million over budget mainly as a result of higher than

expected reported losses in prior accident years and revised assumptions in

the October 2012 and February 2013 Appointed Actuary’s reports.

The Corporation was required to write down its deferred policy acquisition

cost (DPAC) asset by $14.8 million as higher claims costs and low interest

rates resulted in unearned premiums being insufficient to cover these costs.

A combination of changes from other coverage and claim provision categories

account for the remaining differences.

The key reasons for the approximately $21.7 million (average) decrease in the net

claims incurred forecast over the rating period are as follows:

The inclusion of expected interest rate impacts in the claims forecast reduced

the net claims incurred by $32.7 million.

The revised Collision and Property Damage forecast, based partially on the

much higher claims experience in 2012/13, increased by $13.6 million over last

year’s forecast.

A combination of changes from the other coverage and claim provision

categories account for the remaining differences.

The revised claims incurred forecast also includes the indexation of PIPP benefits, as

required by legislation, at an estimated cost of $2.04 million in 2013/14.

The details of the claims incurred forecast are provided in Volume II Claims Incurred.


Page 3

SM.4.3 Claims and Other Operating Expenses Claims and other operating expenses accounted for 21% of Basic costs in 2012/13.

The table below compares this year’s forecast to last year’s forecast in total for

claims, road safety/loss prevention, operating and regulatory/appeal expenses.

Claims and Other Operating Expenses ($000)



Percentage Change

2012/13(a) $193,610 $194,923 ($1,313) -0.67% 2013/14 $193,129 $201,792 ($8,663) -4.29% 2014/15 $203,255 $208,748 ($5,493) -2.63% 2015/16 $204,432 $213,331 ($8,899) -4.17%

The key reasons for the $6.1 million per year (average) decrease in claims and other

operating expenses over the rating period is a combination of lower normal operating

costs and lower improvement initiative implementation expenses, offset by higher

improvement initiative ongoing expenses. Last year’s forecast was based on the old

allocation methodology whereas this year the allocation is based on the new method

approved by the Board in Order 157/12.

Details on claims and other operating expenses can be found in Volume II Expenses.

SM.4.4 Commissions and Premium Taxes

Commissions and premium taxes accounted for 6.6% of Basic costs in 2012/13. The

following table compares this year’s forecast to last year’s forecast for commissions

and premium taxes combined. Commissions and Premium Taxes ($000)


Last Year’s Forecast Dollar Change Percentage

Change 2012/13(a) $60,612 $58,758 $1,854 3.16%

2013/14 $55,370 $54,030 $1,340 2.48% 2014/15 $57,281 $56,556 $725 1.28% 2015/16 $60,357 $59,191 $1,166 1.97%


Page 4

Details on the overall premium forecast, which are the basis for the commission and

premium tax forecast, are included in Volume I SM.3 Program Revenue and

Investment Income. Details of the commissions and Premium Taxes expense

forecast is contained in Volume II Expenses.


SM.5 PUB ORDERS

SM.5.1 Cost Allocation Methodology

In Order 157/12, the Public Utilities Board ordered that:

“The Net Claims Incurred percentage be utilized as the allocator for

claims expenses to the insurance lines of business.”

The Board approved cost allocation methodology has been used in the preparation of

the financial forecasts contained in this year’s application.

SM.5.2 DCAT Technical Conference

In Order 157/12, the Public Utilities Board ordered that:

“A technical conference take place in early 2013 to discuss the adverse

scenarios and methodology construct being utilized currently by the

Corporation within the DCAT, with a view to refining the same.”

The DCAT technical conference occurred on April 18 and 19, 2013. A summary of the

conference can be found in Volume I GRA Overview.

June 14, 2013 2014 RATE APPLICATION PUB Orders – SM.5 Benchmarking, Productivity and Cost Effectiveness

Page 2

SM.5.3 Benchmarking, Productivity and Cost Effectiveness

In section 3.7 of Order No. 157/12 the Board summarized the evidence:

“The Board has commented in past Orders that MPI should conduct benchmarking

with respect to its expenses which, to date, has not occurred to any significant

extent beyond the analysis of the Gartner Group referenced above. In particular,

Order 162/11 the Board stated:

The Board would like to be assured that the Corporation is doing

everything possible to ensure efficiencies within its operation, and

benchmarking is an important part of that. Benchmarking can and

should provide a basis for establishing a cost control framework.

In response, the Corporation has stated that it has historically utilized three

benchmarks to gauge its performance, as follows:

Rates that are on average lower than those charged by private insurance

companies for a comparable price and coverage;

Basic returns at least 85% of premium revenue to Manitobans in the form of

claims benefits; and

Lower annual increases in the Consumer’s Price Index for auto insurance than

the rest of Canada.

The Corporation has also stated that its intention is to establish, through time, some

key metrics in key areas of the operations of the Corporation that it will track from

year to year, such as, Contact Centre performance or the average number of claims

files handled per claims employee. The Corporation has stated that it recognizes the

importance of demonstrating, in a transparent way, its focus on efficiency and cost

containment, as well as productivity, and that the Board can expect progress with

respect to this issue at next year’s GRA.”


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In its operative section of Order 157.12, the Board ordered:

“The Corporation develop productivity factors to enable the assessment of the cost

containment measures and file those factors at the next General Rate Application.”

INTRODUCTION

The Corporation’s approach to benchmarking and productivity measures is fourfold.

1. Macro mandate driven measures

2. Third party comparison to national averages amongst auto insurers

3. IT comparisons through the Gartner CIO Scorecard

4. Internal trending

1. Macro Mandate Driven Measures

First, as mentioned in the Board Order last year, the Corporation has consistently

utilized three benchmarks to gauge its performance:

a. Rates that are on average lower than those charged by private insurance

companies for a comparable price and coverage;

Rate Comparison Chart

Stable rates have resulted in the Corporation’s insurance rates being amongst the

lowest of all automobile insurers in Canada.

Rates are based on a 2 year old Dodge Caravan SE, $500 All Perils deductible, $2

million third-party liability for a 40 year old couple, both with clean driving records

and 16 year old son accident free.

2008/09 2009/10 2010/11 2011/12 2012/13

Winnipeg 1,028 1,054 1,101 1,037 1,076

Calgary 1,354 2,620 2,926 2,859 2,824

Toronto 3,086 6,796 7,351 8,041 8,160


Page 4

b. Basic returns at least 85% of premium revenue to Manitobans in the

form of claims benefits;

Part of the Corporation’s mandate is to return to Manitobans by way of claims

benefits, at least 85% of Basic insurance premiums collected.

Premiums Returned for Each Dollar Earned

2008/09 2009/10 2010/11 2011/12 2012/13

89% 86% 104% 98% 104%

c. Lower annual increases in the Consumer’s Price Index for auto

insurance than the rest of Canada.

The Corporation, over the past 15 years, has kept the annual increase in the rates as

determined by Statistics Canada to below the Canadian Consumer Price Index for

insurance.


Page 5

2. Third Party Comparison to National Averages Amongst Auto Insurers

The Corporation has engaged Ward Group to provide benchmark data relative to the

Ward Group’s Canadian Auto Insurance Benchmark Group.

The Ward Group (Ward) is the leading provider of benchmarking and best practices

research studies for insurance companies. Ward has worked with over 400

companies and performed over 2,000 benchmarking exercises since 1991.

Ward Group is a division of McLagan / Aon Hewitt. McLagan is a global leader in

financial services performance benchmarking and executive compensation and has

been advising for almost half a century all the major blue-chip financial services

organizations in the world, from Asia to North America.

The industry knowledge and operational benchmarks of Ward Group, the

compensation experience of McLagan, and the broader advisory expertise of Aon

Hewitt are a powerful combination for developing fact-based solutions for insurance

companies. www.wardinc.com

The comparison of Manitoba Public Insurance to the Canadian Auto Group is included

as Appendix 1. The Corporation compares favourably to the majority of the

benchmarks.

3. Information Technology

In the IT area, the Corporation has in the past filed with the PUB, the annual CIO

Scorecard, as prepared by the Gartner Group. This is currently being prepared and,

upon completion in early July, will be filed with the PUB, as Appendix 2 to this

section.

4. Internal Trending

Manitoba Public Insurance has developed a productivity based key performance

indicator framework to evaluate the Corporation’s key customer processes, and cost

control measures to ensure the organization is utilizing ratepayers’ funds in the most

efficient and effective manner possible. Continuous improvement and cost


Page 6

containment are critical to the organization’s success. These measures evaluate the

effectiveness of process and technology implementations and their impact on overall

customer satisfaction.

COST CONTAINMENT AND EFFICIENCY MEASURES

The Corporation focuses its efforts on maximizing value for Manitobans by

eliminating low value transactions as evidenced by the move to streamlined

renewals; containing costs by moving work appropriately to lower cost channels and

resources; enhancing the customer experience through first contact resolution; and

leveraging tools and technology to support staff in their service efforts and

enhancing driver and vehicle safety on the road.

Manitoba Public Insurance’s value equation guides the Corporation’s efforts in the

delivery of its licensing, insurance and road safety mandate.

The Corporation has developed productivity factors to assist in assessing cost

containment measures. The productivity factors are in the following areas: injury

claims management, contact centre and physical damage management. Productivity

factors and benchmarking for Information Technology is contained in the IT

Scorecard, as prepared by the Gartner Group.

INJURY CLAIMS MANAGEMENT

The BI3 (Bodily Injury) initiative was a value driven business transformation of


Page 7

processes, technology and people, implemented in September 2010. Manitoba Public

Insurance identified making improvements to PIPP infrastructure as a priority

investment in its core business following a 2005 study of PIPP's infrastructure and

business model. The conclusion was that although PIPP was working well after its

first decade (started in 1994), Manitoba Public Insurance could improve management

of the program. It was also noted that the advancements in new technology could

help Manitoba Public Insurance to streamline and automate some routine processes

that would mean staff would be able to spend less time on low-value tasks and focus

more on enhanced interaction with clients.

The new claims management software was designed to enable Manitoba Public

Insurance staff and service providers to manage claims more efficiently, meaning

more time will be spent working with people who have been more severely injured.

It centralizes claims information, provides treatment benchmarks and gives Manitoba

Public Insurance customers who have had automobile accidents an additional point

of access to Manitoba Public Insurance's services.

The successful implementation of BI3 expanded the Corporation’s capacity to

monitor, understand, administer and strategically plan the dynamic PIPP program

and resulted in improved overall customer satisfaction scores while containing

service delivery and injury claims costs. Based on customer feedback, the following

four elements directly influence customers’ satisfaction and customer experience

ratings of the service they receive from Manitoba Public Insurance.

1. Timeliness of Payments

86 % of Customer Submitted Accounts are processed within 5 working days

(2012/13) as compared to 78% in 2009/10. Manitoba Public Insurance’s

customers tend to be more satisfied if they receive their payments in a timely

manner.

99% Vendor Accounts are processed within 30 calendar days (2012/13).

Manitoba Public Insurance collaborates with medical treatment and

rehabilitative service providers to ensure its customers receive the highest


Page 8

level of service possible. Maintaining a positive working relationship with

these important business partners is critical to customers’ rehabilitation.

76% of new IRI claimants received their first IRI payment within 21 days

from the day the claim was reported (February 2013) as compared to 35% in

April 2010.

2. Accessibility

87% of incoming calls are answered within 20 seconds. The Corporation

implemented 7:30 AM -5:00 PM Monday-Friday switchboard to allow

customers to have their questions addressed by a Bodily Injury claims

handler at their convenience. (2012/13).

3. Injury Recovery

A predictive modeling tool was implemented to determine estimated disability

duration. Service level agreements have been negotiated recently with the

Manitoba Chiropractic Association, Manitoba Physiotherapy Association, and

Manitoba Athletic Therapists’ Association. These tools are used to allow case

managers to coordinate all stakeholders of a claim to agree upon

rehabilitation goals for the claimant.

Prior to BI3 implementation, claims not requiring income replacement or personal

care assistance, were assigned to the Medical Expense Unit. The implementation of

BI3 has resulted in a reduction of medical expense claims handlers from 36 to 11.

The auto-adjudication of medical expense only claims, elimination of low value

transactions (medical expense and treatment reserving, compensable loss

confirmation, template decision letters), and enhanced first contact resolution has

increased the medical expense claims handled per claims handler from 1,033 in

2009/10) to 2,823 in 2012/13). Customers can register their medical expense only

claim by contacting the Contact Centre and potentially never having to speak to a

claim handler. Reserves are automatically posted to the claim, service level

agreements control treatment protocols, and the payment unit administers all

expense reimbursement.


Page 9

Customer satisfaction in Injury Claims Management has improved to 81% in

2012/13.

CONTACT CENTRE

The Contact Centre receives all public enquiries and provides call routing services to

function-specific departments within the Corporation. Contact Centre Agents provide

drivers and vehicle owners in Manitoba with a single point of contact for claims

reporting and vehicle estimating appointments. They respond to telephone enquiries

from customers across the province on claims handling, driver licensing, vehicle

registration and insurance and general enquiries about Manitoba Public Insurance

operations, road safety and corporate initiatives such as the Immobilizer Program.

The goal of first contact resolution is to provide customer service and contain costs

by reducing avoidable callbacks. Customers want to be able to make one call and

have their issue resolved without call transfers or waiting for someone to return their

call. The Contact Centre has implemented a number of initiatives to improve overall

customer service and process efficiency. The call taking role has expanded from

primarily claim registration to become a customer service oriented help desk for both

customers and brokers with a reduced number of handoffs. For example prior to BI3,

claim registration through the Contact Centre was followed up by a call from a

different representative to collect further information, confirm coverage, explain the

Personal Injury Protection Plan (PIPP), and then assign the claim to the appropriate

Injury Claims Management

Average of Prior

4 years

(2008/2009‐

2011/2012)

Average of Prior

3 Years

(2009/2010‐

2011/2012) 2012/2013

New Claims Reported 16,849 16,817 17,110

Total Claims Handled 32,844 33,174 37,573

Total Actual Claim Handler FTEs 116 113 99

New Claims Reported/Total Actual Claim Handler

FTEs146 149 173

Total Claims Handled/Total Actual Claim Handler FTEs 285 293 380

Customer Satisfaction 77% 77% 81%


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resource. Effective 2010/11 with the implementation of BI3, the Contact Center

resource collects sufficient information to support automated claim assignment for

between 80 and 90% of the claim intake obviating the requirement for a callback.

The 10% to 20% of non-automated claim assignment requires professional judgment

as the injuries are more severe.

Contact Centre

Average of Prior

4 years

(2008/2009‐

2011/2012)

Average of Prior

3 Years

(2009/2010‐

2011/2012) 2012/2013

Total Calls 1,170,017 1,185,627 1,070,726 Total Calls‐ Annual Call Time (in minutes) 6,551,197 6,683,241 7,045,377Total Actual Call Handler FTEs 120 125 129Total Calls/Total Actual Claim Handler FTEs 9,812 9,517 8,300Average Handling Time (in minutes) 5.59 5.63 6.58Call Time per FTE (in minutes) (Total Calls‐ Annual

Call Time/Total FTEs)54,787 53,509 54,615.33


Manitoba Public Insurance has also taken the opportunity to leverage the technology

and resourcing in the Contact Centre to gain other efficiencies:

Implementing a consolidated BI3, CARS and AOL help desk

Addressing enquiries resulting from E-Glass processing

Responding to enquiries resulting from Streamline Renewal and Driver Safety

Rating programs

While the staffing complement in the Contact Centre has increased slightly in the

past year, this increase is more than offset by efficiencies gained and cost avoidance

through resource optimization strategies, streamlined processes and the leveraging

of technology.

PHYSICAL DAMAGE MANAGEMENT

Manitoba Public Insurance adopted the Service Centre Model as part of its Business


Page 11

Process Re-Engineering Program which merged Driver and Vehicle Licensing Services

into the Physical Damage claims delivery infrastructure, thereby creating synergies

between all Manitoba Public Insurance lines of business and removing the costs

associated with duplication of service. Unlike the prior model of primarily specialized

service locations, the introduction of service centres led to enhanced customer

service with Manitoba Public Insurance’s ability to handle any and all combinations of

services, delivered through more service locations province-wide. By the end of the

2013/2014 fiscal year, Manitoba Public Insurance will be operating out of 16 service

centres and 3 claim centre locations across the province.

All non-contentious claims processing from across the province has been centralized

into a single location. Customers with less complex claims can now access a team of

skilled claims processors that provides enhanced customer service through its high

level of availability and ability to do faster flow-through processing at a reduced cost.

Economies of scale and better resource optimization resulted in reduced workforce

requirements for non-contentious claims processing by almost 20%.

The flexible workforce and workload balancing initiative, currently being

implemented, will deliver a number of changes designed to create a highly flexible

workforce capable of quickly re-deploying capacity to varying business needs. This

flexibility will allow the Corporation to deploy workforce capacity to areas of the

business under higher demand pressures. This flexibility will allow the organization to

deliver consistently high customer service outcomes while ensuring staff is able to

adapt to these changes in customer demand for services. The changes span all areas

of the Service Centre organization but relate primarily to physical damage claims.

Some of these changes include:

The creation of a paperless claims file environment which makes work

portable.

Staff cross-training initiative that allows previously specialized staff to provide

assistance on a wider spectrum of services.


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Move to electronic documentation received from auto body shops lowers the

overhead required to handle these documents and speeds up the

Corporation’s response time.

A revised claims handling model built on small teams jointly handling

customer needs allowing seamless support from all areas of the province for

any service centre facing high customer demands.

CONCLUSION

Across these three operating areas, Manitoba Public Insurance has been very

successful in implementing initiatives that demonstrate continuous improvement

through the leveraging of technology, effective human resource utilization and

improved customer satisfaction. While there has been a modest increase in total staff

in Contact Centre Operations, a net saving of 22 front line FTE has been realized in

2012/13 in the above three operational areas. Also, a number of tasks have been

automated, eliminated or assigned lower cost resources without negatively impacting

customer satisfaction. As we continue to reengineer the claims handling operations

through our Physical Damage Re-engineering Initiative, we can expect even more

productivity gains through continued leveraging of technology, process streamlining

and resource optimization.

Physical Damage

Average of Prior

4 years

(2008/2009‐

2011/2012)

Average of Prior

3 Years

(2009/2010‐

2011/2012) 2012/2013

New Claims Reported 252,008 256,707 269,995

Original Estimates Completed‐ Service Centres 156,283 160,507 167,656

Original Estimates Completed‐ PDC 23,540 22,542 23,765

Total Actual Claim Handler FTEs 185 183 168

New Claims Reported/Total Actual Claim Handler

FTEs1,364 1,401 1,607

Total Actual Estimating FTE's‐ Service Centres 59 59 57

Total Actual Estimating FTE's‐ PDC 16 16 19

Estimates Completed/Total Actual Estimating FTE's

(Service Centres) 2,648 2,723 2,941

Estimates Completed/total Actual Estimating FTE's

(Non‐Service Centres)1,454 1,409 1,251



Page 13


Page 14


Page 15

Gartner CIO Scorecard – Appendix 2 – SM.5.3

FOR FUTURE USE

June 14, 2013 2014 RATE APPLICATION PUB Orders – SM.5 Road Safety

Page 16

SM.5.4 Road Safety

In PUB Order 22/13 dated March 7, 2013, the Public Utilities Board identified the

following specific issues related to Road Safety that it seeks to explore with the

Corporation at the 2014 GRA hearing, to take place in the fall of 2013:

Adequacy and effectiveness, or otherwise, of proposed infrastructure

spending for Road Safety;

Adequacy and effectiveness, or otherwise, of spending to reduce Wildlife

Collisions;

Adequacy and effectiveness, or otherwise, of spending to address Distracted

Driving;

Adequacy and effectiveness, or otherwise, of spending to improve Motorcycle

Safety;

Adequacy and effectiveness, or otherwise, of spending to reduce Impaired

Driving costs;

Adequacy and effectiveness, or otherwise, of spending to reduce the severity

and frequency of vehicle collisions with cyclists;

Adequacy and effectiveness, or otherwise, of spending on Drivers’ Education;

and,

The requisite funding necessary to support effective use by MPI of technology

in Road Safety.


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INTRODUCTION

In Manitoba, the provincial legislature has responsibility for The Highway Traffic Act,

The Drivers and Vehicles Act, The Off-Road Vehicles Act, and other statutes and

associated regulations that regulate the licensing of drivers, vehicles and their

operation on roadways. This includes responsibility for establishing driver testing and

licensing standards, rules of the road, mandatory driver’s licence suspension periods

for certain driving offences, ignition interlock requirements for convicted impaired

drivers, fine amounts for traffic violations, vehicle impoundment provisions, and

provincial vehicle equipment requirements and vehicle inspection standards. The

provincial and municipal governments are responsible for highway design,

construction, and maintenance, speed limits, roadway signage, and other safety-

related features such as rumble strips, highway dividers, traffic control devices, etc.

Manitoba’s police agencies have responsibility for enforcing traffic laws and

intercepting other unsafe or illegal driving activity.

Nationally, the Federal government is responsible for The Criminal Code of Canada

which establishes rules and sanctions for impaired operation of motor vehicles and

other serious driving or vehicle-related offences. Transport Canada is responsible for

regulating safety standards for new vehicles manufactured for sale in Canada under

the Canada Motor Vehicle Safety Standards (CMVSS). This includes establishing

standards for occupant protection (i.e. seat belts, airbags), vehicle design and

construction, electronic stability control, electronic vehicle immobilizers, vehicle

emission standards, etc. The Registrar of Imported Vehicles is responsible for

ensuring compliance to Federal requirements for the importation of vehicles into

Canada from other countries.

The complex nature of road safety and the interdependencies that exist between

road users, the vehicles they drive, the roads they drive on and governing

legislation/regulation, are also reflected in Canada’s Road Safety Strategy 2015. This

Strategy was developed by the Canadian Council of Motor Transport Administrators

(CCMTA), a government led organization, with the intention of guiding and informing

provincial and territorial governments to address key road safety concerns. The

Strategy was originally filed in response to CAC (MPI) 1-226 of the 2012 GRA and


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can be accessed at

http://www.ccmta.ca/crss-2015/_files/road_safety_strategy_2015.pdf.

Within this construct, automobile insurers play a very minor role.


Page 19

MANITOBA PUBIC INSURANCE’S ROLE IN ROAD SAFETY

Public and stakeholder consultations on road safety undertaken by the Corporation in

2011 demonstrate that Manitobans understand the linkage between safer roads,

reduced claims costs, and lower insurance premiums. Those consultations also

confirmed strong support for the Corporation’s involvement in promoting road safety

and encouraging safe driving behaviour as a means to fulfill its mission of working

with Manitobans to reduce risk on the road. The Safer Roads Public Consultation

Report was originally filed electronically in SM.5.8.1 of the 2013 GRA. The report can

be found on the Corporation’s website at:

http://www.mpi.mb.ca/en/PDFs/ResultsOfPublicConsultation.pdf

The Corporation’s road safety efforts are first and foremost focused on establishing

premiums that reflect individual driver risk profiles, administering The Drivers and

Vehicles Act (DVA) programs such as the Driver Improvement and Control program,

and heavily subsidizing quality driver training for young new drivers. In addition,

complementary efforts are focused on educating Manitobans and raising awareness

about key road safety risks that contribute to collisions, fatalities and serious

injuries. This is achieved through a variety of road safety programs, public

advertising and awareness campaigns, and grass-roots community engagement

efforts throughout Manitoba as outlined in this summary.

The Corporation recognizes that traditional road safety models require close

coordination of education and enforcement efforts to have maximum impact, and has

developed a number of collaborative initiatives with Manitoba’s police enforcement

agencies to maximize the effectiveness of education and enforcement efforts. These

collaborative efforts flow from the Manitoba Awareness and Enforcement Integrated

Calendar that the Corporation developed with the Manitoba Association of Chiefs of

Police (MACP) in 2011. The intent of this calendar is to align the Corporation’s public

awareness initiatives more closely with police enforcement to maximize program

effectiveness. Research undertaken by the Corporation in 2010, and reported in

Section AI.10 of the 2011 GRA, clearly showed that public awareness and education

programs are most effective when accompanied by meaningful enforcement and

police enforcement is most effective in deterring dangerous driving behaviour when


Page 20

highly visible and well publicized. The Manitoba Awareness and Enforcement

Integrated Calendar is updated each calendar year and the 2013 calendar is provided

in Attachment A.

Sponsorship opportunities and grant funding are also leveraged to support the efforts

of like-minded road safety partners and to reach key target demographics with

relevant road safety messaging.

The Corporation assesses its programs and campaigns by means of post-

implementation evaluations to measure reach, aided and unaided message recall,

and as self-reported, the extent to which messaging is persuasive in altering

behaviour. Surveys are also used to track the attitudes and perceptions of

Manitobans about key road safety risks and consequences, Manitoba Public

Insurance-sponsored programs to address them, and the perceived risk of

apprehension when drivers engage in dangerous or illegal driving behaviours.


Page 21

FINANCIAL BREAKDOWN BY PROGRAM AREA

For the year of the application (2014/15), the Corporation’s overall budget for road

safety and loss prevention programs is projected at $11,587,000 million (basic

share). This equates to approximately 1.4% of basic Autopac premiums projected in

the same year. Within this overall funding envelope, costs are budgeted by program

category as follows:

Program Category

2014/15 Projected

Percentage of Total Budget

1 Driver Education

includes all internal and external expenses, HSDE, Mature Drivers and other driver training programs

$4,346,000 37.5%

2 Auto Crime

includes WATSS, WPS, Crown Attorney funding, fingerprinting services, grants, immobilizer incentives

$2,963,000 25.6%

3 Road Safety Advertising and Sponsorships includes various methods to reach a wide and

varied audience, including 60-second driver, Winnipeg Free Press tips and CJOB radio, professional sporting sponsorships, partnerships with MADD and TADD, and Safety Services Manitoba – Operation Red Nose, etc.

$2,150,000 18.6%

4 Road Safety Programming

includes expenses and program costs for targeted risk groups, which include speed, wildlife, impaired, distracted, motorcycle, ATV/snowmobile, cycling and pedestrians and occupant safety

$1,543,000 13.3%

5 Road Watch

includes enforcement and enhancement

$403,000 3.5%

Surveys/Program Evaluation

$182,000

1.6%

Total

$11,587,000

100%


Page 22

PROGRAM SUMMARIES

The following table provides a summary of the Corporation’s road safety programs by

category and the road safety issues they address.

Program

Category

Impaired

Driving

Speed and

Aggressive

Driving

Distracted

Driving

Occupant

Restraints

Wildlife

Collisions

Motorcycle

Safety

Cycling

Safety

Pedestrian

Safety

ATV and

Snowmobile

Safety

Auto

Crime

1. Driver

Education X X X X X X X X X

2. Road

Safety Ad &

Sponsorship

X X X X X X X X X X

3. Road

Safety

Programs

X X X X X X X X X

4. Auto

Crime X X

5. Road

Watch X X X X X X

Surveys/

Program

Evaluation

X X X X X X X X X

1. Driver Education

Approximately 38% of the Corporation’s total annual road safety budget in 2014/15

($4.34 million) is used to administer Manitoba’s High School Driver Education

Program (HSDE) and other driver training programs such as Resource Rangers,

Citizens Bridge and Mature Driver training programs.

Approximately 12,000 new teen drivers take advantage of the HSDE program

annually at a subsidized cost of $50.00 per student, which is approximately one-

eighth of the actual cost of about $400.00 per student. In addition to providing

training on rules of the road and how to operate a vehicle safely, the program also

aims to shape the attitudes, judgment and decision making of these young new

drivers by educating teens about the dangers and consequences of unsafe and illegal

driving behaviour.

The HSDE program consists of 34 hours of in-class and 16 hours of in-vehicle driver

training (8 hours driving and 8 hours observation), and 24 hours of supervised

practice driving with a parent or other qualified supervising driver to reinforce the


Page 23

learning from classroom instruction and in-car training delivered by professional

contracted driving instructors.

In addition to specific program evaluation, the Corporation engaged Northport &

Associates on a formative evaluation of the HSDE Program. This evaluation assisted

the Corporation in making continuous improvements to the current program,

including improved instructor support and professional development, curriculum

enhancements and approaches in working with parents/ guardians. Over the same

period, we also participated in a multi-jurisdictional summative evaluation, which

should be completed in 2013. We expect this report to provide a perspective on our

program compared to others and best practices.

2. Auto Crime

Approximately 26% of the Corporation’s total annual road safety budget in 2014/15

($2.96 million) is used towards programs and initiatives to reduce auto crime in

Manitoba. As outlined in the 2012 Annual Report, auto thefts in Winnipeg have now

declined 85% since 2004. Across the province, the combined total and attempted

thefts continue to be the lowest since 1992, and are 82% lower than in 2006 when

this combined total peaked. In 2012 specifically, there was a combined reduction of

2.4% in total and attempted thefts compared to 2011. The Winnipeg Police Service

reports that in 2012, the average number of vehicles stolen daily was 3.8,

approximately one-sixth of the number stolen in 2004 when an average of 24

vehicles were stolen every day.

The Corporation continues to attribute these successes to two different but

complementary initiatives; the Winnipeg Auto Theft Suppression Strategy (WATSS)

and the Immobilizer Incentive Program, through which more than 98% of vehicles

deemed “most at risk” to be stolen in Winnipeg have now been immobilized against

theft. The Corporation also continues to provide funding to the Winnipeg Police

Service for six officers dedicated solely to the Stolen Auto Unit. This supplements the

existing complement of police resources assigned to this unit and funded by the

police service. In addition, the Corporation provides staff resources and funding

support of training, equipment and operating funding to the Citizens on Patrol

Program (COPP).


Page 24

Since 2004, the Corporation has spent approximately $88.3 million and saved over

$200 million as a result of our auto theft efforts.

3. Road Safety Advertising and Sponsorships

The Corporation projects to spend approximately 19% of its road safety budget in

2014/15 ($2.15 million) on road safety advertising and sponsorships.

Road Safety Advertising

The Corporation’s advertising campaigns are intended to create broad public

awareness about the dangers and consequences of high-risk driving behaviours such

as impaired driving, speed and aggressive driving, non-use of occupant restraints,

and distracted driving. Advertising campaigns are also used to raise awareness about

cycling safety, wildlife collisions, intersection safety, ATV and snowmobile safety, and

pedestrian safety.

Advertising tactics include use of television, radio, and outdoor advertising

(billboards and transit buses/shelters) in Winnipeg and in select rural communities

throughout Manitoba. The Corporation also continues to produce and air the popular

60-second driver clips in partnership with CTV. The 60-second driver program has

been running for more than ten years, and provides an ideal opportunity to convey

important driving tips and road safety messages, which are aired during CTV

newscasts to an estimated audience of 80,000 viewers. The Corporation also

leverages its partnerships with the Winnipeg Free Press (Weekly Driving Tips) and

CJOB (Brian Barclay - Traffic Tips) to convey messaging on road safety topics.

In addition, the Corporation orchestrates various media events and creates news

releases on important road safety topics that serve to generate considerable earned

media through mainstream media sources (television, radio, print). The Manitoba

Driver is also used to raise awareness of road safety issues within targeted

communities in rural Manitoba.

As an example of a recent road safety campaign, in April of 2013, the Corporation

launched a province-wide multi-media campaign to raise awareness about the


Page 25

dangers of texting and driving - “Your Last Words”. Through its partnership with the

Manitoba Association of Chiefs of Police, this month-long campaign was again

accompanied by significant enforcement of Manitoba’s distracted driving legislation.

Distracted driving is a growing concern, especially among young drivers. Statistics

show that one in four deaths on Manitoba roads involves a distracted driver. The

Corporation intends to re-run this campaign in November 2013 and will continue to

promote campaign messaging through the interim period through the high school

driver education program, posters and other public awareness materials in Manitoba

schools, and by working with TADD groups to leverage mock-vehicle collision

programs and other in-school activities to continue raising awareness of the dangers

of distracted driving with a particular focus on use of hand-held cell phones and

texting while driving.

Another example planned for 2013/14 is the delivery of a broad cycling safety

promotion campaign as part of the Province of Manitoba’s three-year, four-point

action plan on Active Transportation. Announced by the Minister of Local Government

in June 2013, this advertising campaign will encourage both cyclists and motorists to

share the road safely. Bike to the Future (BttF) was consulted in developing the

campaign and has stated their support for the messaging and the campaign

approach. The campaign will include radio and transit advertising in addition to

existing advertising channels.

While it is recognized that changing and maintaining social behaviour occurs over a

long period of time, the Corporation does conduct extensive research to ensure the

road safety messages reach target audiences, achieve communication objectives and

are effective. Through annual surveys, the Corporation is able to measure

Manitobans’ recall of a particular campaign and whether or not it influenced a change

in driving behaviour. This kind of research assists the Corporation in enhancing

and/or developing new road safety campaigns, that going forward will be effective in

reducing risk on Manitoba roads.

Road Safety Sponsorship

The Corporation also designs and delivers a variety of road safety programs either

directly or in partnership with other like-minded road safety stakeholders through


Page 26

sponsorships and funding with organizations such as Safety Services Manitoba (SSM)

– Operation Red Nose, Mothers Against Drunk Driving (MADD) multi-media school

assembly program and Teens Against Drunk Driving (TADD) - Safe Grad Program.

In addition, partnerships with the Winnipeg Blue Bombers, Winnipeg Jets, Winnipeg

Goldeyes, Manitoba Junior Hockey League (MJHL), and the Brandon Wheat Kings

also provide opportunities to deliver timely and relevant road safety messages and

reach wide audiences with related issue-specific messaging like “don’t drink and

drive”.

All sponsorships follow strictly approved sponsorship guidelines:

http://www.mpi.mb.ca/en/About-Us/Community/Pages/communitycontributions.aspx

which govern how sponsors are selected, and how the return on investment is

managed and measured.

4. Road Safety Programming

The Corporation projects to spend approximately 13% of its road safety budget in

2014/15 ($1.5 million) on the delivery of road safety programs to address key risk

factors that contribute to collisions in Manitoba.

The key risk factors/areas include impaired driving, speed and aggressive driving,

occupant restraints, distracted driving, wildlife collisions, motorcycle, ATV and

snowmobile, cycling and pedestrian safety. Examples of Road Safety Programs

include:

Report Impaired Drivers (RID) 911 - now adopted by the cities of Brandon,

Thompson and Portage la Prairie. During the first year of the program, the

Brandon Police Service reported a 47% increase in citizen calls to report

suspected impaired drivers. Interceptions by police increased by 79% over

the same period and when combined with warning letters issued to vehicle

owners, resulted in police action being taken on 48.6% of all calls received.

Total impaired driving charges or roadside suspensions originating from

citizen calls also increased by 48.4% with the majority of these (78%)

attracting Criminal Code charges. During the first six months of the program

in Portage and Thompson, citizen calls to report suspected impaired drivers


Page 27

increased by 21% and 15% respectively. Police action was initiated on

approximately 55% of calls received.

Friends for Life Speaker Series - In 2011 the Corporation partnered with the

Manitoba School Boards Association and Teens Against Drunk Driving (TADD)

to introduce the Friends for Life speaker series in middle and senior high

schools throughout Manitoba. Through this series, which now runs annually in

the fall of each year, a mix of professional and local amateur speakers deliver

approximately 50 presentations to Manitoba youth and share their own

compelling stories about the risk and consequences of impaired driving and

other unsafe driving behaviours.

Speed Watch - Speed Watch is a community-based initiative through which

local volunteers from organized community groups, schools, or concerned

citizens have access to loaned radar-operated speed reader boards that

display the posted speed limit and the passing driver’s speed. The aim of the

program is to raise awareness of speeding concerns in local communities and

to prompt speeding drivers to slow down, while giving positive reinforcement

to those who drive within the posted speed limit. Twenty-six organized

community groups throughout Manitoba now participate in the Community

Speed Watch program.

The Manitoba Child Car Seat Program - Manitoba Public Insurance partners

with St. John’s Ambulance, Manitoba fire fighters, and community-based child

car seat installation technicians throughout the province to raise awareness

about the safety benefits of properly restraining children in child car seats and

booster seats, and correct installation procedures.

Bike Safe - In 2011, the Corporation developed a comprehensive cycling

safety program to educate adult and consumer cyclists on safe riding

practices and to raise awareness among both cyclists and motorists of their

obligation to share the road safely. This information was developed in

collaboration with the City of Winnipeg, the Province of Manitoba, and cycling

advocacy groups including Bike to the Future (BttF) and the Manitoba Cycling


Page 28

Association. In addition to detailed safety information on the Corporation’s

website, point-of-sale printed materials were developed for distribution

through major bicycle sales and repair shops, Manitoba schools, major

employers, and community groups.

Motorcycle Safety Training Programs - The Corporation continues to partner

with SSM to provide subsidy funding for motorcyclists who complete the 21-

hour Canada Safety Council motorcycle safety training program. In 2012 SSM

expanded access to this program into every community where the mandatory

8-hour training program is currently offered (Winnipeg, Thompson, Flin Flon,

Brandon, Dauphin, and Winkler), making the 21-hour program a legitimate

option for every new motorcycle rider over the less comprehensive program.

Experienced Rider Program – With the Corporation’s support, SSM has

expanded its motorcycle safety training to include an advanced riding

program to respond to the needs of experienced riders who are seeking

training on advanced riding skills, or motorcyclists who have had no formal

training or who are returning to the sport after a break from riding.

Deer-Vehicle Collision Hot Spot Mapping - The Corporation publishes deer-

vehicle collision maps that identify collision hot spot locations within Winnipeg

and throughout rural Manitoba. These maps have become useful in raising

awareness about locations where collisions with deer are most prevalent,

particularly given that deer-vehicle collisions account for almost 70% of all

reported wildlife collisions based on 2010/2011 data. In 2012 these maps

were updated to reflect data from 2007-2011, and are available on the

Corporation’s website at the following links:

Winnipeg: http://www.mpi.mb.ca/en/PDFs/WPGwildlifeMAP.pdf

Rural Manitoba: http://www.mpi.mb.ca/en/PDFs/MBwildlifeMAP.pdf

Manitoba School Safety Patrol Program - Manitoba Public Insurance is a proud

sponsor of the Manitoba School Safety Patrol program. In partnership with

the Winnipeg Police Service, RCMP, CAA Manitoba, McDonalds restaurants,

and the Winnipeg Free Press, the Corporation provides funding for program


Page 29

equipment (vests and flags) and works with other partners to organize

recognition events for school patrol volunteers and their teacher advisors

The Corporation conducts post-program evaluation on all road safety programs to

measure the program effectiveness, the extent to which the road safety programs

reached its target audience and whether the program is achieving the learning

objectives. It also attempts to capture the participant’s recall of the program

messages and learning outcomes, and whether or not it influenced a change in

safety behaviour.

Newfoundland and Labrador Wildlife Program

As to the specific question regarding the Newfoundland and Labrador Wildlife

Program, we have learned that in January 2011, a class-action suit was launched

against the provincial government claiming compensation for victims of moose

collisions. The suit alleges that the province’s failure to control the moose population

is to blame for the more than 700 moose-vehicle accidents reported annually. To-

date the Newfoundland government has spent $5 million in various wildlife initiatives

such as moose hunting, fencing, active detection warning alert signs and public

awareness campaigns. Results on these programs have been inconclusive. According

to the department of Policy, Planning and Evaluation of Newfoundland and Labrador,

no other initiatives are in the works, and no other initiatives have or are being

evaluated. (News Release – NFLD Initiatives Aimed at Reducing Moose-Vehicle

Collisions http://www.releases.gov.nl.ca/releases/2011/tw/0706n03.htm

5. Road Watch

The Corporation continues to provide funding of approximately $600,000 annually to

participating Manitoba police agencies to conduct high visibility roadside enforcement

to deter impaired driving and other high-risk driving behaviours. The annual

program, which runs from May to November of each year, is intended to enhance

public awareness about the risks of impaired driving, and encourages motorists not

to drink and drive by raising the risk of apprehension through a highly visible police

presence on Manitoba roadways. In 2011, the Corporation increased its funding for

the Road Watch program by approximately $250,000. The program was also

expanded at that time at the request of the RCMP to include monitoring of winter and


Page 30

ice roads in Northern Manitoba during January and February.

In 2012/13, participating police agencies conducted 136 Road Watch events,

resulting in approximately 63,000 vehicle contacts over more than 1,200 visibility

hours. As a result of these efforts, police removed 210 drinking drivers from the road

and issued an additional 2,265 offence notices for various violations of The Highway

Traffic Act, The Liquor Control Act and The Controlled Drug Substance Act.

SURVEYS/PROGRAM EVALUATION

As noted previously, the Corporation regularly conducts surveys to measure

Manitobans’ attitudes, opinions and behaviours related to key road safety issues.

Information from these surveys is also used for road safety advertising,

programming as well as evaluation of the Corporation’s road safety programs. The

Corporation also uses focus groups for concept testing of various road safety

advertising campaigns.

Funding is also set aside for evaluation of specific road safety programs as deemed

necessary.


Page 31

HIGH SCHOOL DRIVER EDUCATION PROGRAM REVIEW

As reported in the 2013 GRA, the Corporation believes there are significant

opportunities to transform the current High School Driver Education (HSDE) program

into a leading program.

The goals of developing a new, improved HSDE program are to:

Improve HSDE to positively impact on collisions and claims costs involving

young drivers, given that young drivers in Manitoba continue to be over-

represented in fatal, serious injury, and property damage collisions

Create a practical approach that blends conventional instruction and emerging

technologies to leverage best practices and address weaknesses in the

current HSDE program

Provide the Corporation the ability and flexibility in the future to expand the

driver education services to address the unique education and road safety

needs of adults, including First Nations people living on and off reserves and

adult immigrants

In January 2013, The American Driver and Traffic Safety Education Association

(ADTSEA), the foremost driver education experts within North America at both the

practitioner and administrative levels, was hired to perform a comprehensive global

jurisdictional scan of driver education programs and the strategies contained within

these programs.

This global jurisdictional scan was achieved through a literature review and by

contacting various driver education and licensing organizations throughout the world.

ADTSEA obtained detailed program information and data on these driver education

and licensing programs including program evaluations where available. ADTSEA also

conducted an in-depth analysis of these driver education and licensing programs to

identify proven and promising best practices, and new and emerging strategies that

may contribute to the effectiveness of driver education programming. The draft


Page 32

executive summary can be found in Attachment B.

The Corporation is currently reviewing and assessing the report to determine if any

actions may be incorporated into the current High School Driver Education program.

ROADWAY INVESTMENT PARTNERSHIP PROGRAM

In the 2013 GRA, the Corporation stated its intention to explore the idea of playing a

limited role in infrastructure projects designed to reduce claims costs and provide

lower rates for Manitoba drivers. This exploration has ended and the Corporation will

not be actively considering potential infrastructure investments as part of its road

safety planning at this time. Attachment C includes a news report on this matter

which ran in the Winnipeg Free Press on June 8, 2013 quoting Andrew Swan, the

Minister Charged with the Administration of The Manitoba Public Insurance Act.

SEPTEMBER

Back to School SafetyMPI AD CAMPAIGN:

RadioWPS AD CAMPAIGN:

ENFORCEMENT:

Speeding in school zones

Impaired Driving MPI AD CAMPAIGN:

Radio (Long Weekend)

ENFORCEMENT:

RoadWatch

SUPPORTED BY:

Possible MPI media event, 60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• September 5 - Back to school safety• September 12 - TADD• September 19 - Cycling safety• September 26 - Pedestrian safety

JUNE

Cycling, Pedestrian SafetyWPS AD CAMPAIGN:

TV, radio, billboards

MPI AD CAMPAIGN:

Cycling: TBD

ENFORCEMENT:

Speeding in school zones

Commercial VehiclesMPI AD CAMPAIGN: ENFORCEMENT:

Roadcheck 2013SUPPORTED BY:

MPI news release/possible media event with MPI summer students, 60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• June 6 - Cycling safety• June 13 - Commercial vehicles• June 20 - Sharing the road• June 27 - Impaired driving

OCTOBER

Occupant RestraintsMPI AD CAMPAIGN:

Radio, billboards (rural MB)

ENFORCEMENT:

Operation Impact, Semi-annual survey

Impaired Driving MPI AD CAMPAIGN:


ENFORCEMENT:

RoadWatch

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• October 3 - Car Seats• October 10 - Impaired driving• October 17 - Seat belts• October 24 - Booster seats• October 31 - Halloween safety

JANUARY

SpeedMPI AD CAMPAIGN:

Illusion of Control (radio, billboards)

ENFORCEMENT:

Dedicated speed enforcement

Snowmobile SafetyMPI AD CAMPAIGN:

NCI Radio (17 wks)

ENFORCEMENT:

Dedicated speed enforcement

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• January 3 - Winter driving – too fast for conditions• January 10 - Young drivers and speed• January 17 - Snowmobile safety• January 24 - Snowmobile safety• January 31 - Crossing slippery bridges/overpasses

FEBRUARY

IntersectionsWPS AD CAMPAIGN:

TV, radio, billboardsENFORCEMENT:

Red lights and rural intersections

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• February 7 - Intersection IQ• February 14 - Winter intersections• February 21 - Highway intersections• February 28 - Seat belts

MARCH

Occupant RestraintsMPI AD CAMPAIGN:

Media event NCI Radio

ENFORCEMENT:

Semi-annual survey

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:

• March 7 - Daylight saving time• March 14 - Booster seats• March 21 - Child car seats• March 28 - Air bags

APRIL

Distracted Driving MPI AD CAMPAIGN:

Famous Last Words (TV, radio, outdoor)

Media Event

ENFORCEMENT:

Dedicated enforcement

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• April 4 - Cell phones are distractions• April 11 - Don’t be tempted to use cell phone• April 18 - Motorcycles• April 25 - Distracted driving

MAY

Impaired DrivingMPI AD CAMPAIGN:

MADD TV commercial, Radio (Long Weekend), Billboards (12 wks)

ENFORCEMENT:

RoadWatch, Road Safety Week

Motorcycle SafetyMPI AD CAMPAIGN:

Radio, outdoorENFORCEMENT:

SUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• May 2 - Impaired driving• May 9 - Funeral processions• May 16 - Road Safety Week (May 15-23)• May 23 - Safe grad• May 30 - Alcohol related crashes

JULY



Billboards

ENFORCEMENT:

RoadWatch

ATV SafetyMPI AD CAMPAIGN:

Media eventENFORCEMENT:

Dedicated enforcementSUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:

• July 4 - Parallel parking• July 11 - ATV safety• July 18 - Motorcycles• July 25 - ATV safety

NOVEMBER

Distracted DrivingMPI AD CAMPAIGN:

Famous Last Words (TV, radio, outdoor)

Media Event

ENFORCEMENT:

Education and enforcement

WildlifeMPI AD CAMPAIGN:

RadioENFORCEMENT:

Education and enforcementSUPPORTED BY:

MPI news release, 60-Second Driver, Manitoba Driver,Winnipeg Free Press Driving Tips:• November 7 - Wildlife• November 14 - Distracted Driving• November 21 - Distracted Driving• November 28 - Operation Red Nose

Friends for Life Speaker Series (Nov 18 to 29)

DECEMBER


Operation Red NoseENFORCEMENT:

Christmas Checkstop Program

SUPPORTED BY:

Possible MPI media event with police agencies, 60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• December 5 - Impaired driving• December 12 - Winter driving• December 19 - Impaired driving• December 26 - Safe driving

AUGUST



Billboards

ENFORCEMENT:

RoadWatch

Speed MPI AD CAMPAIGN: ENFORCEMENT:

Dedicated enforcementSUPPORTED BY:

60-Second Driver, Manitoba Driver, Winnipeg Free Press Driving Tips:• August 1 - Impaired driving• August 8 - Speeding on highway• August 15 - Too fast for conditions• August 22 - Traffi c circles• August 29 - Impaired driving

Manitoba Driver is a news service for community newspapers that provides road safety advice. Winnipeg Free Press Driving Tips are published every Thursday to deliver road safety messages (Note: the specifi c topics listed on this calendar may change slightly.) Aired on CTV, 60-Second Driver segments demonstrate safe driving practices.

2013 Manitoba Awareness and Enforcement Integrated Calendar

50

MPI AD CAMPAIGN:

MPI AD CAMPAIGN:

Cycling, Pedestrian Safety

Cycling: TBD

MPI AD CAMPAIGN:

Radio

MPI AD CAMPAIGN:

Media event MPI AD CAMPAIGN: 50

(TV, radio, outdoor)Media Event

MPI AD CAMPAIGN:

(radio, billboards)

MPI AD CAMPAIGN:

NCI Radio

June 14, 2013 SM.5.4 Road Safety - Attachment A

Global Analysis of Emerging, Promising, and Best Practices in Driver Education 0

GlobalAnalysisofEmerging,PromisingandBestPracticesinDriverEducation

AReportforManitobaPublicInsurance

ConductedbytheAmericanDriverandTrafficSafetyEducationAssociation

May30,2013

June 14, 2013 SM.5.4 Road Safety - Attachment B


The Scope of Driver Education Around the World Young drivers in Manitoba, as in other jurisdictions, are over‐represented in collisions, fatalities and serious injuries when compared to other aged drivers. Manitoba’s High School Driver Education (HSDE) program provides a unique opportunity to shape the long‐term driving behaviors of approximately 12,000 new teen drivers annually and as Manitoba’s compulsory automobile insurance provider, Manitoba Public Insurance (MPI) is uniquely positioned in creating an improved driver education program for new teen drivers. For novice drivers, basic driver education generally provides the means for pre‐licensing activities to obtain a driver’s license. Initial training of novice drivers provides basic vehicle handling skills, an introduction to perception, decision making, risk‐taking and impairments that affect driving. According to the American Driver and Traffic Safety Education Association (ADTSEA), this training gives novice drivers the opportunity to practice their driving in controlled environments and gives them as much experience as possible to increase basic driving skills. Outside of Manitoba, over the last decade, there have been major changes in how driver education is offered. Driver education programs using public funds are now less available, and many public schools that used to offer driver education no longer do so. Traditional methods of education – classroom instruction and on‐road training – continue to be widely used. However, commercial programs are more varied, and developments in computer technology have led to changes in the way driver education is delivered, featuring online‐learning, computer‐assisted learning, simulator technology and other interactive programs. To date, formal training itself has not proven to be highly effective in reducing accident risk. Training should focus on creating drivers who are safe, and not just technically competent. This involves instilling novices with an appropriate cognitive skill level and safety‐oriented motives. The primary goal of training should not be to help novices pass their driver licensing tests. The higher cognitive skill levels should be analyzed as a basis for developing quality driver training objectives and testing. The Process of the Report In collaboration with MPI, ADTSEA conducted a comprehensive in‐depth global analysis of driver education programs and assembled an inventory of current best practices and new and emerging strategies that may contribute to the effectiveness of driver education programming. The report provides guidance on the strategies, programs, and technologies MPI may leverage to create a best‐in‐class driver education program. ADTSEA identified 23 countries of priority for reviewing literature and conducting surveys and telephone interviews. These include: Australia, Austria, Belgium, Canada, Czech Republic,

ExecutiveSummary



Denmark, Estonia, Finland, France, Germany, Hungary, Ireland, Japan, Korea, Netherlands, Norway, Portugal, South Africa, Spain, Sweden, Switzerland, United Kingdom, and United States.

Guidance and responses on driver education practices based on the overall findings from the literature review and survey responses are provided in the ADTSEA Findings. Practices were identified, evaluated, and categorized as best, promising or emerging practices for driver education.

Best practices are proven to be reliable and lead to a desired result through experience and research. They are replicable, and produce desirable results in a variety of settings. They also clearly link positive effects to the program/practice being evaluated and not to other external factors.

Promising practices were developed based on theory or research, have been, or are being evaluated. They have strong quantitative and qualitative data showing positive outcomes, but do not yet have enough research or replication to support consistent positive outcomes in a variety of settings.

Emerging Practices are typically based on anecdotal evidence and professional wisdom but have yet to undergo formal evaluation. These include practices that jurisdictions have tried and claimed effectiveness.

Findings on Driver Education Practices The findings from the literature review and survey responses are divided into six categories of driver education practices:

1. Basic Driving Skills 2. Parent/Guardian Involvement 3. Safe Driving Practices 4. Vehicle Telematics 5. Technologies for Delivering Driver Education 6. Driver Instructor Training

1. Basic Driving Skills Basic driving skills include any practices related to the Segment I or basic driver

education course which provides novice drivers with basic vehicle handling skills and the opportunity to practice driving in controlled environments.

ADTSEA concludes that driver education standards and components for updating a

basic driver education program are promising practices for basic driving skills. It is recommended that anyone considering ways to improve driver education, give careful considerations to the use of the ADTSEA or Canadian standards for driver education. These standards should be carefully examined to ensure Manitoba’s program meets or strives towards these standards. The literature and survey findings determined that the Segment I or basic driver education program should be substantially updated. The traditional method of driver education, which includes



basic driving skills, does not reduce the number of novice driver crashes. Extended practice, higher cognitive skills, and self‐assessment are just a few of the updates that need to be made to a Segment I or basic driver education program.

2. Parent/Guardian Involvement Parent/guardian involvement is an important component of driver education. It is

essential that parents/guardians are involved in their teen’s driver education program. Parents/guardians provide novice drivers direct supervision of their early driving experience, determine when the teen will receive a license, give/deny access to the vehicle, and may impose restrictions on driving privileges.

ADTSEA concludes that parent/guardian involvement within the driver education

course is a promising practice. The more experience a novice driver has with their parent/guardian the better prepared they will be for the licensing test and solo driving. Parent guided practice should include over 200 hours during a two‐year period. The driver education program should include segments for parents/guardians to debrief with the instructor and have discussions with their teen. Programs and instructional materials need to be developed to encourage and teach parents/guardians how to manage young driver risks and not just to teach the teens how to drive.

3. Safe Driving Practices Safe driving practices include any practices related to the Segment II or advanced

driver training course. Segment II or advanced in‐vehicle hazard perception and avoidance training, or second phase training, as it is sometimes referred to, are a second level of training which provides novices with extensive experiences in the full range of situations regularly faced by drivers, such as dealing with specific situations, emergency braking, hazard recognition, visual scanning, and situational awareness.

ADTSEA concludes that advanced driving courses which emphasize safe‐driving

practices that reduce the probability of crashes, address primarily the higher levels of driver behavior and are not based on skid training or other track training courses are a best practice. From the findings it is recommended that a second phase or Segment II training curriculum for Advanced In‐Vehicle Hazard Perception and Avoidance Training be established. Advanced driving courses must emphasize those safe‐driving practices that reduce the probability of crashes and should avoid skid pad training due to the concern of the driver becoming overconfident.

ADTSEA concludes that higher order training is a best practice. The literature and

survey findings shows the research on driver education or training is moving towards teaching higher order training and cognitive skills. Almost all countries reviewed are working towards the goal of incorporating higher order training into their driver education program. Multi‐stage driver education is one of the best techniques to use to train higher order skills. Multi‐stage is easier to plan, schedule and complete. Many



countries are using multi‐stage driver education and have seen a reduction in crashes. As described in the literature, multi‐stage driver education within the driver education system should be analyzed.

4. Vehicle Telematics Vehicle telematics is the computer and electronic technology in your vehicle,

including emergency warning systems, GPS navigation, integrated hands‐free cell phones, wireless safety communications, automatic driving assistance systems and vehicle tracking. Many new technological advances in vehicle integrity are available in cars to lessen the events of a crash for today’s drivers.

ADTSEA concludes that vehicle telematics are an emerging practice. Few countries

utilize vehicle telematics in their driver education programs. Vehicle telematics are a relatively new technology that has not been frequently utilized within driver education. Typically, products consisted of those parents/guardians can use to track their teens after receiving their license. Telematics shows more promise in conducting both individual and program evaluation or conducting other research which shows the effectiveness of the program.

5. Technologies for Delivering Driver Education Technologies for delivering driver education include any practices related to the use

of technological advancements in driver education. These technologies include:

Online Driver Education – distance learning where the entire or part of the classroom portion is delivered primarily over the Internet. ADTSEA concludes that online driver education is an emerging practice and an evolving, if not preferred, form of instruction within educational delivery systems. As described in the literature it is recommended that standards for providing and conducting online driver training be established. If an online driver education course is used, the course should be based on the most up‐to‐date curriculum available and be supplemented with classroom time and behind‐the‐wheel instruction.

Computer or Internet‐based Training – computer software programs or resources on the Internet that supplement the driver education program. ADTSEA concludes that computer or internet‐based training is a promising practice. As described in the literature review, computer or internet‐based training to supplement driver education, particularly with respect to higher order skills (i.e., hazard recognition) should be analyzed.

Integration of On‐line, In‐class, In‐vehicle and Supervised Driving – integrating all the components of the driver education program is the preferred method of delivering online driver education. ADTSEA concludes that the integration of online, in‐class and practical in‐vehicle instruction and supervised driving is an emerging practice. As described in the literature it is strongly recommended that standards and guidelines for the integration of online, in‐class and practical in‐



vehicle instruction, including supervised driving practice to ensure complimentary practices for each phase of instruction be established.

Simulator Systems – allows the novice driver to reproduce driving in a controlled, virtual environment without the risk of driving in a real world environment. ADTSEA concludes that simulator systems are a promising practice. Simulators or computer‐based training can assist with teaching the higher‐order skills of driving and should be incorporated into the driver education program. An investment in high‐end simulators and well trained teachers to utilize the simulators will result in a better trained student; however the costs may be prohibitive.

6. Driver Instructor Training Driver instructor training is an important part of the driver education program.

Without well trained instructors, a quality program is not possible. The instructor is the person who delivers the driver education curriculum, including classroom and behind‐the‐wheel instruction. Before an instructor can deliver the curriculum they must receive training in course delivery using various delivery modalities. Coaching, a form of instructor training is designed to develop the awareness and responsibility of the person being coached and puts the learner in an active role for the driver to make their own decisions.

ADTSEA concludes instructor training is a promising practice. The literature and

survey findings show that driver instructor training is an area that is not focused on enough. Although there are no substantial evaluations in this area, findings suggest instructor training is fundamental to a successful driver education program. The training should enable the instructor to teach the higher order levels of training, influence personal and social conditions on driving and utilize different teaching methodologies. Trainers should also receive specific training for coaching and facilitation skills, which requires training of existing and new instructors and an overall update of the curriculum. Specialized course content in driver education teacher preparation should be made available through colleges/universities, community colleges, technical colleges or a national driver education teacher certification/credentialing organization such as ADTSEA.

Conclusion Safe drivers are made and not born – extended practice should be recognized as a precondition for reaching higher cognitive skill levels. Thus, it is particularly important that substantial experience be attained in lower‐risk conditions before unrestricted solo driving. High levels of accompanied practice before licensing for solo driving, conducted in a methodical manner that involves a variety of driving circumstances, will result in lower levels of fatalities. While at least 50 hours of pre‐licensing practices are recommendable in any system, experience in one country showed that increasing this to approximately 120 hours reduced crashes in the two years following licensing by about 40%.



Programs with a structured approach that allow for the longevity of training with staged increments in complexity as driver’s progress from safer driving conditions to greater levels of risk should be undertaken to ensure that novice drivers receive wide experiences in all the necessary competencies. The role of parents/guardians should be maximized, including improved guidelines for supervisory drivers. Programs that address higher‐order skills, according to ‘best‐practices’ methodologies within this framework, are most likely to be effective in reducing young driver road trauma. Programs should address higher‐order attitudinal‐motivational and cognitive‐perceptual skills according to ‘best‐practice’ methodologies. An increased focus on self‐assessment and understanding the factors that increase risk should be incorporated. Based on the overall findings from the literature review and survey responses, ADTSEA concludes that the following are:

Best practices - Advanced driving courses which emphasize safe‐driving practices that reduce the

probability of crashes and are not based on skid training or other track training courses

- Second phase training which addresses primarily the higher levels of driver behavior - Higher order training

Promising practices - Driver Education Standards - Components for updating a Segment I or basic driver education program - Parent/guardian involvement within the driver education course - Multi‐stage driver education - Computer or internet‐based training - Simulator systems - Instructor training

Emerging practices - Team training - Independent driving - Insight driver training - Situational judgment testing (SJT) and commentary driving - Vehicle telematics - Online driver education and is an evolving, if not preferred, form of instruction

within educational delivery systems - The integration of online, in‐class and practical in‐vehicle instruction and supervised

driving Section 3 of this report provides the ADTSEA Findings from the literature review and surveys for developing a best‐in‐class driver education program.



By implementing the strategies identified in this report, MPI would certainly establish themselves as a world leader in driver education by exploring a new model for driver education designed to reduce novice motor vehicle crashes and fatalities. This new model should incorporate multi‐stage driver education with an integrated teaching/learning approach which includes, but is not limited to higher order training, technology for delivery methods, situational awareness, hazard recognition/decision making skills and parent involvement. Additionally, a comprehensive teacher training and credentialing system should be explored to maximize the potential of this new model.


June 14, 2013 2014 RATE APPLICATION SM.5.4 Road Safety – Attachment C

Page 1

Winnipeg Free Press - PRINT EDITION

Province nixes MPI's road fixes Swan tells board to kill plan By: Bruce Owen

WINNIPEG FREE PRESS Enlarge Image

'I've asked (MPI) and they've agreed not to proceed at this time' -- Attorney General Andrew Swan Photo Store The Selinger government has killed a controversial plan by Manitoba Public Insurance to use ratepayers' money to fix up streets and highways to improve safety. Attorney General Andrew Swan, the minister responsible for MPI, said he recently told the board of the Crown auto insurer to shelve the idea. "I've asked them and they've agreed not to proceed at this time," Swan said Friday. The MPI board met Thursday and Friday in Brandon. "We know that spending money on infrastructure is absolutely essential. We think that the public expects a lot of clarity and a lot of transparency on how infrastructure money is being spent."


Page 2

Swan said since MPI started putting together what it calls the Roadway Infrastructure Investment Partnership (RIIP) program, Ottawa has announced the creation of the new Building Canada Fund that will funnel infrastructure dollars Manitoba's way for road repairs and other projects. The expired deal saw Ottawa put $576 million into Manitoba infrastructure projects over five years. He said the province also has its new Manitoba Building and Renewal Plan that was announced in the recent budget that is to see revenue from the one-percentage-point hike in the provincial sales tax put $3 billion into the plan over the next decade. "I gave my opinion to MPI that this probably wasn't the right environment for MPI to be out there doing its own thing with municipalities," Swan said. "The board has actually agreed. With the federal announcement and our decision to match that and to make sure we don't lose any federal dollars, I think it's better for infrastructure to be done by the Department of Infrastructure and Transportation." Opposition Progressive Conservative Leader Brian Pallister said the NDP made the correct decision -- and the only one it could have made. "Clearly, the NDP does not need to open up another front on the infrastructure debate," he said. "Their lack of planning, their lack of focus in terms of infrastructure investment and so on has become more and more apparent to people through this debate." Pallister also said if MPI were to get into the road-repair business, it would virtually compete against the province's own Infrastructure and Transportation Department. "Duplication and overlap would be the result," he said. MPI is on the verge of filing next year's rate application with the Manitoba Public Utilities Board. Earlier this year, the arm's-length rate regulator told MPI it wanted to hear the details of the RIIP when hearings start in the fall. To date, those details have been under wraps, but critics such as the PCs have already labelled it a "backdoor" tax increase. Money for the program, which could include rumble strips or new merging lanes, would have come out of basic insurance premiums. The NDP's decision to kill the RIIP means it will not be considered by the PUB. Swan said when new construction programs for streets and highways are identified, road safety will be included in the planning with MPI's advice. What the province's decision means in terms of future Autopac rates or perhaps another rebate -- the last one was two years ago -- is unknown as that's a decision to be made by the PUB after it examines MPI's finances and outlook.

‘I’ve ased (MPI) and they’e agreed not to proceed at this time’ -- Attorney General Andrew Swan


Page 3

In late 2011, the PUB ordered MPI to drop its overall rates eight per cent to "instil some fiscal discipline in MPI's operations." Last year, the PUB approved an MPI application to freeze rates for 2013. [email protected] Republished from the Winnipeg Free Press print edition June 8, 2013 A3

… more

June 14, 2013

Manitoba Public Insurance Applies for 1.8% Overall Rate Increase

Average family passenger vehicle will increase $18 per year

For the first time in 10 years, Manitoba Public Insurance has asked the Public Utilities Board for an increase to Basic Autopac rates. If approved, rates will increase by1.8 per cent for the 2014/15 insurance year. Overall rates decreased by 4 per cent in 2011, 8 per cent in 2012, and remained stable in 2013. “For 14 of the last 15 years, the Corporation has either held the line or reduced rates. This has resulted in a cumulative, total rate decrease of 17.8 per cent for autopac ratepayers,” said Marilyn McLaren, President and Chief Executive Officer, Manitoba Public Insurance. “A moderate increase in claims experience combined with lower than expected investment income has resulted in a slight increase in Autopac rates for 2014/15.” A December 2012 report released by Deloitte shows that Manitobans pay the lowest auto insurance premiums in Canada, McLaren noted. If the application is approved, a total of 707,090 vehicles owners will receive a premium increase. Of the vehicles that will receive premium increases, most will be less than $50. A total of 342,319 vehicle owners will receive a premium decrease or stay the same in 2014. The average passenger vehicle premium will be $898. Overall:

67 per cent of premiums will increase (707,090 vehicles). 603,377 vehicles will increase by $50 or less.

25 per cent of premiums will go down (259,085 vehicles). Of those decreasing, 92 per cent – 238,587 vehicles – will decrease by $50 or less

Eight per cent of premiums will remain unchanged (83,234 vehicles)

Northern Manitoba

In total, 97.3 per cent (9,897) of passenger vehicles will receive rate decreases in the far north (all areas north of the 55th parallel, including Thompson, Lynn Lake and Churchill). As well, 85.6 per cent (12,733 units) will receive rate decreases in the near north (north of the 53rd parallel, including Flin Flon, The Pas and Grand Rapids).

Over the past four years ─ if this application is approved ─ vehicle owners in the far north will have received average rate decreases totaling 22.6 percent or $197, while in the near north the average rate decrease is 21.6 percent or $176.

June 14, 2013 2014 RATE APPLICATION News Release - SM.6

Motorcycle Rates For motorcycles (excluding mopeds and small-engine displacement motor scooters) the Corporation has applied for an average rate decrease of 7.6 per cent or $83 per vehicle. If approved, the average motorcycle rate will decrease to $1,001 from $1,084. Mopeds and small-engine displacement motor scooters will experience an average rate increase of 15.1 per cent, if approved by the PUB. The average rate for these vehicles will increase from $287 to $330 per year, or by $43. Annual report: Four decades of service and stability Manitoba Public Insurance also filed its 2012 annual report with the Legislature today. The report reflects the Corporation’s history of prudent fiscal management and customer service commitment and demonstrates our continued ability to offer all Manitobans comprehensive coverage at among the lowest rates in the country. The Corporation’s fiscal performance was affected by the investment markets and increased claim costs, resulting in a net operating loss of $48.1 million. Last year, Manitobans filed an average of 1,153 claims daily, and the corporation paid out $2.4 million in benefits, every working day. The average cost per claim is $2,600.

—30— Contact: Manitoba Public Insurance Media Relations Unit (204) 985-7300 or 1-888-554-9549 (toll-free in Manitoba)


BACKGROUNDER

Today’s rate application proposes a 1.8 per cent increase in overall premium revenue for 2013/14. This is the first time in 10 years that Manitoba Public Insurance has requested an increase. • For 14 of the last 15 years, the Corporation has either held the line or reduced rates. This has resulted in a cumulative, total rate decrease of 17.8 per cent for Manitoba vehicle owners. • Motorcycle rates will decrease overall 7.6 per cent. More than 10,000 motorcycle owners will receive a rate decrease. If approved, the average motorcycle rate will decrease to $1,001 from $1,084. • Mopeds and small-engine displacement motor scooters will experience an average rate increase of 15.1 per cent. The average rate for these vehicles will increase to $330 from $287. • Last year, Manitobans filed an average of 1,153 claims daily, and the Corporation paid out $2.4 million in benefits, every working day. • There were 161,466 collision claims reported in Manitoba during 2012/13, compared to 149,764 in 2011/12. • If approved, the rates take effect March 1, 2014. However, because of staggered renewals, some Manitobans will not start paying these rates until February 28, 2015. The PUB will rule on the proposed rates after public hearings in late September and October 2013.


Basic Autopac 2014Effect of rate application on vehicle premiums

+ $100 or more

+ $80 to $99

+ $50 to $80

+ $20 to $50

+ $1 to $20

No Change

- $1 to $20

- $20 to $50

- $50 to $80

- $80 to $99

- $100 or more

1.3%

0.3%

0.4%

2%

20.8%

0.9%

0.3%

40.1%

68.8% will change by + or - $20

0 10 20 30 40

17.4%

8.7%

7.9%


History of Rate Changes

01

2

3

4

-3

-2

-1

-4

-8

-7

-6

-5

20012000 2005 20102002 2006 20112003 2007 20122004 20092008 2013 2014

YEAR

%

_

+


n Manitoba n Saskatchewan n British Columbia n Canada n Ontario n Alberta

Passenger Vehicle Average Premium Growth (Statistics Canada) 1998 to present

0%

20%

-20%

40%

60%

80%

100%

120%

140%

160%

1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012

Fiscal year Ending

Total average premium growth from 1998 to 2012 (Stats Can):

Manitoba: 14.9%, 0.9%/yearSaskatchewan: 38.6%, 2.2%/year

British Columbia: 46.3%, 2.6%/year

Canada: 83.9%, 4.5%/year

Ontario: 98.3%, 4.7%/year

Alberta: 135.5%, 5.8/year

Per

cen

tag

e C

han

ge

sin

ce 1

99

8


0

$1,000

$2,000

$3,000

$500

$1,500

$2,500

$3,500

$4,000

Vancouver

Toronto

Montreal

Halifax

St. John’s

WinnipegCalgary

ReginaCharlottetown

Saint John

$2,596$2,783$1,480

$2,174$2,435$991

$2,340$1,889$1,039

$9,160$8,160$4,450

$2,298$1,780$1,149

$2,461$2,232$1,019

$1,064$960$960

$3,011$2,824$1,396

$2,287$1,631$1,433

$1,300$1,076$1,031

$1,300$1,076$1,031

Notes:1. The 2010 Dodge Grand Caravan SE is the most common

passenger vehicle registered in Manitoba.

2. Manitobans will pay less for their automobile insurance in 2013 than other major Canadian cities.

21 year old male primary driver, 5 years claims and convictions free; and no secondary driver

40 year old female primary driver, 15 years claims and conviction free; secondary 40 year old male driver with 15 years claims and conviction free; and secondary 16 year old male with claims and conviction free

35 year old female primary driver; 35 year old male secondary driver; both 15 years claims and conviction free

2013 rates based on: 2010 Dodge Grand Caravan SE, $500 All Perils deductible, $2 million third-party liability

Among the lowest vehicle rates in Canada


0

$1,000

$2,000

$3,000

$500

$1,500

$2,500

$3,500

$4,000

Vancouver

Toronto

Thunder Bay Montreal

Winnipeg

CalgaryRegina

$1,297$2,777$5,376

$2,682$5,443$3,722

$2,721$2,996$3,898

$1,415$1,484$1,582

$2,682$5,443$3,722

$1,207$1,347$1,516

$1,207$1,347$1,516

$1,060$1,190$2,343

Notes:1. The 2009 Harley Davidson

Ultra Classic is the most common touring motorcycle registered in Manitoba.

2. Manitobans will pay less for their motorcycle insurance in 2013 than other major Canadian cities.

45 year old male, 15 years claims and conviction free

45 year old male, one at-fault claim in the last year and 14 years claims and conviction free prior

21 year old male, 5 years claims and conviction free

2013 rates based on: 2009 Harley Davidson Ultra Classic, $500 collision deductible, $500 comprehensive deductible, $2 million third-party liability

Among the lowest motorcycle rates in Canada


THE PUBLIC UTILITIES BOARD

NOTICE OF PUBLIC HEARING AND PRE-HEARING CONFERENCE Applicant: Manitoba Public Insurance Corporation

HEARING: The Public Utilities Board (Board) anticipates

holding a public hearing of an application from Manitoba Public Insurance Corporation (MPI) for approval of rates and premiums for compulsory vehicle and driver insurance as of March 1, 2014. The hearing would take place at the Board’s Hearing Room, 4th Floor, 330 Portage Avenue, Winnipeg, MB (commencing at 9:30 a.m.) on September 24, 2013. A Pre-Hearing Conference is to be convened by the Board in its offices at 10:30 a.m. on June 28, 2013.

RATE IMPACT: The Corporation is requesting approval for

Basic Autopac vehicle and drivers licence rates effective March 1, 2014, which, if approved, would result in 1.8 overall increase in MPI’s Basic premium revenue (excluding the impact of vehicle upgrades and an increased overall driver and vehicle population).

Actual vehicle and driver premiums would vary

depending on claim and driving experience, insurance use, territory and vehicle rate group. Full particulars, including the rate impact and application, can be found on the Manitoba Public Insurance website www.mpi.mb.ca.

PRE-HEARING CONFERENCE: Those seeking Intervener status should notify

the Board of their intention by applying to the Board Secretary before the now scheduled Pre-Hearing Conference of June 28, 2013. Interveners may be entitled to financial assistance, and the Board’s Rules of Practice and Procedure (Rules) provide the related guidelines, which can be seen at the Board’s

June 14, 2013 SM.6 Part 2 Notice of Hearing

-2-

website www.pub.gov.mb.ca or obtained on request to the Board, by either emailing ([email protected]), writing or calling the Board Secretary (945-2638 or 1-866-854-3698, toll free). Parties wishing to submit a brief or to express comments at the hearing should also contact the Board Secretary.

GENERAL INFORMATION: Interested parties should take note that the

Board does not have jurisdiction over the MPI lines of business denoted as Extension or SRE, or as to MPI’s Driver and Vehicle Licensing operation.

Persons seeking further information as to MPI’s

application, or with respect to the Board’s process, and/or wishing to address the public hearing in French should notify the Board Secretary by August 30, 2013. As well, interested parties may examine MPI’s application and supporting materials, either at the offices of the Corporation or on its website, or the Board’s office.

DATED this xxth day of June, 2013.

H. M. Singh Secretary The Public Utilities Board

Wheelchair access is available

Five days notice required

June 14, 2013 SM.6 Part 2 Notice of Hearing

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