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Company Rate Filing Information

Citizens/Hanover Filings

As of August 2017

The following are the filings made by Citizens/Hanover.

Filing Identification No./

Overall Impact

Materials Included Effective Date

HNVXG131065779

+1.9%

Rate:

  • Merit Rating Plan
  • Physical Damage Symbol by Model Year
  • Increased Limits Factors – Property Damage
  • Annual Base Rates

Markup of Changes

11/01/17 New
10/01/17 Renew
HNVXG131025443

Form/Rule

Form:

  • Connections DriveSmart Advantage – Massachusetts – 231-2644 (07-17)

Rule:

  • Private Passenger Endorsement Index

Markup of Changes

07/02/17 New/Renew
HNVXG130946022

Rule:

  • Transition Rating Factors/Rules for Encompass Business
07/01/17 New/Renew
HNVXG130946007

Form/Rate/Rule

Form:

  • Extended Non-Owned Automobile Endorsement – 231-6272 07 17

Rule:

  • Rule 56. Extended Non-Owned Automobile Endorsement 231-6272
07/01/17 New/Renew
HNVXG130902873 Groups 04/17

HNVXG130799362

+5%

Rate/Rule:

Rates:

  • Physical Damage Symbol by Model Year
  • Increased Limit Factors – Property Damage
  • Annual Base Rates

Markup of Changes
Explanatory Memorandum

04/01/17 New
03/01/17 Renew 
HNVXG130754556

Rule:

  • Rule 19. Discounts
    • Advanced Quote Discount

Markup of Changes

03/04/16 New/Renew
HNVXG130698496

Form:

  • Coverage Selections Page (Removed SDIP Discount – no longer use SDIP to produce Rate)
02/01/17 New
12/01/16 Renew 
HNVXG130633760

Rate/Rule:

Rate:

  • Advance Quote Modifier

Rule:

  • Discounts:
    • Advanced Quote Discount

Markup of Changes

02/01/17 New
12/01/16 Renew 
HNVXG130553614

Rate:

  • Territory Class Factors
  • PD Symbols model year
  • Core Discount Factors

Markup of Changes

10/01/16 New/Renew

HNVXG130487490
HNVXG130768340

Groups 04/16 New/Renew
11/16
HNVXG130443379

Citizens Ins. Co of America:

Effective April 3, 2016, we are adopting without alteration the rate symbol assignments that are currently on file with the Division as follows:

This update includes the ISO Circular SY-AA-2015-011.

This update includes the Massachusetts Circular dated December 31, 2015.

This update includes LPMP Circular LP-AA-2014-008

NOTHING TO POST WITH FILING

04/03/16 New/Renew

HNVXG130348667

+3.8%

Rates:

  • Annual Base Rates

Explanatory Memorandum

05/01/16 New
03/09/16 Renbew

HNVXG130365622

Rule:

  • Student Away at School Discount

Markup of Changes

02/01/16 New/Renew
HNVXG130348346

Rule:

Effective February 1, 2016, we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-007 & SY-AA-2015-008.

This update includes the Massachusetts Circular dated September 24, 2015 & October 30, 2015.

  • This update includes LPMP Circular LP-AA-2014-008

Nothing to post with this filing

02/01/16 New/Renew
HNVXG130206992

Form/Rate/Rule
Form:

  • Coverage Selections Page – Removed
    the Public Transit Discount

Rate:

  • Rate Order of Calculation
  • Other Discounts and Factors

Rule:

  • Rule 19. Discounts
    • Removed Public Transit

Markup of Changes

03/06/16 New
01/21/16 Renew 
HNVXG13028/0452

Rule:

In accordance with Massachusetts Division of Insurance Filing Guidance Notice 2010-D dated July 29, 2010, we are notifying

the Division of Insurance via this informational filing of our adoption of rate symbol assignments.

Effective December 1, 2015, we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-006.

This update includes the Massachusetts Circular dated July 28, 2015.

This update includes LPMP Circular LP-AA-2014-008

Nothing To Post With This Filing

12/01/15 New/Renew
HNVXG130240520

Effective October 29, 2015, we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-005.

This update includes the Massachusetts Circular dated June 18, 2015.

This update includes LPMP Circular LP-AA-2014-008

We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments. 

Nothing to Post with Filing

10/29/15 New/Renew

HNVXG130090625

+1.1%

Rate/Rule:
Rate:

  • Territory Class Factors
  • Physical Damage Symbol by Model Year
  • Annual Base Rates
  • Inexperienced Operator Discounts
  • Territory Definitions

Markup of Changes

10/01/15 New/Renew
HNVXG130175033

Rule:

Effective August 10,2015,we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-003 & SY-AA-2015-004.

This update includes the Massachusetts Circular dated March 31, 2015 & May 15, 2015.

This update includes LPMP Circular LP-AA-2014-008

We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments.

In accordance with the Filing Guidance Notice, a filing fee is not required for this type of submission.

NOTHING TO POST WITH FILING

08/10/15 New/Renew
HNVG130020271

Rule:

Effective June 8, 2015, we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-002.

This update includes the Massachusetts Circular dated February 27, 2015.

This update includes LPMP Circular LP-AA-2014-008

We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments.

In accordance with the Filing Guidance Notice, a filing fee is not required for this type of submission.

NOTHING TO POST WITH FILING

06/08/15 New/Renew
HNVXG130007137

Rule:

Effective April 20, 2015, we are adopting without alteration the rate symbol assignments that are currently on file with the

Division as follows:

This update includes the ISO Circular SY-AA-2015-001.

This update includes the Massachusetts Circular dated January 12, 2015.

This update includes LPMP Circular LP-AA-2014-008

We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments.

In accordance with the Filing Guidance Notice, a filing fee is not required for this type of submission. 

NOTHING TO POST WITH FILING

04/20/15 New/Renew

HNVXG129860901

  • Effective March 6, 2015, we are adopting without alteration the rate symbol assignments that are currently on file with the
  • Division as follows:
  • This update includes the ISO Circular SY-AA-2014-012.
  • This update includes the Massachusetts Circular dated October 31.
  • This update includes LPMP Circular LP-AA-2014-008
  • We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments. 

NOTHING TO POST WITH FILING

03/06/15 New/Renew

HNVXG129979299
HNVXG129835573

Groups

04/15
01/15

HNVXG129813673

+5.1%

Rate/Rule
Rate:

  • Core Discount Factors
  • Annual Base Rates

Rule:
Manual

  • City of Boston Zip Codes
  • Rule 6. Out of State Garaging
  • Increased Limit Factors – Property Damage

Markup of Changes

Explanatory Memorandum

05/01/15 New
03/09/15 Renew 

HNVXG129453438

+4.2%

Form/Rate/Rule          Rate:

  • Hanover Category Factors
  • Hanover Structure Factor Table
  • Increased Limits Factors – Bodily Injury
  • Increased Limits Factors – Property Damage
  • Annual Base Rates
  • Inexperienced Operator Discounts (Rates)

Rules:

  • Manual of Rules
  • Rule 19. Discounts - Student Away at School Discount
  • Rule 26. Progression Rule – Modification Factors 

Mark up of Changes

12/15/14 New/Renew
HNVXG129824220

Rule:

  • In accordance with Massachusetts Division of Insurance Filing Guidance Notice 2010-D dated July 29, 2010, we are notifying
  • the Division of Insurance via this informational filing of our adoption of rate symbol assignments.
  • Effective December 1, 2014, we are adopting without alteration the rate symbol assignments that are currently on file with the
  • Division as follows:
  • This update includes the ISO Circulars SY-AA-2014-008, SY-AA-2014-009, SY-AA-2014-010, and SY-AA-2014-011.
  • This update includes the Massachusetts Circular dated July 17, 2014 & July 18, 2014 & September 10, 2014, and circular
  • effective October 1, 2014.
  • This update includes LPMP Circulars LP-AA-2014-007 and LP-AA-2014-008
  • We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments.

NOTHING TO POST WITH FILING

12/01/14 New/Renew
HNVXG129601734

Rule:

  • Reinstatement Fee
08/01/14 New/Renew
HNVXG129604882

Rule:

  • Payment Plans & Fees - PPA
08/01/14 New/Renew
HNVXG129604272

Rule:

  • Payment Plans & Fees - Motorcycle Program
08/01/14 New/Renew
HNVXG129422002 Groups 04/01/14 New/Renew
HNVXG129181114

Forms & Endorsements:

  • Citizens Ins. Co of American – Massachusetts Private Passenger Auto Rule Guide (Eff. 2/1/13)
  • Endorsement Index – Personal Vehicle Sharing Exclusion – M-0108-S (Ed. 10/13) added
02/01/14 New/Renew
HNVXG129271368

Rule:

  • Personal Auto Payment Plan
12/15/13 New/Renew
HNVXG129271326

Rule:

  • Motorcycle Program -Pay Plan
12/15/13 New/Renew
HNVXG129074853

Adopted ISO Rate Symbol
Assignment

(NOTHING TO POST WITH FILING) 

08/04/13 New/Renew
HNVXG128959628 
+2.0%

Base Rate Changes
New MYS Factors
Reduction in PD Limits Factors 

08/01/13 New/Renew
HNVXG128901158 Adopted ISO Rate Symbol Assignment
(NOTHING TO POST WITH FILING) 
04/07/13 New/Renew

HNVXG128904342
Groups 04/01/13 New/Renew
HNVXG128613784 
+1.8%

Base Rates:

  • Category Factors
  • Territory Class Factors
  • Physical Damage Symbols by Model Year
  • Core Discount Factors
  • Annual Base Rates
  • Revised PIP Tier Factors
  • New Territory Definitions
  • Revised Roadside Assistance Endorsement & Rule
  • Core Discount Factors
Rule Guide with markup

12/15/12 Renew

01/01/13 New

HNVXG128728519

Adopted without alterations the rate symbol assignments that are currently on file with the DOI as follows:

  • ISO Circular SY-AA-2012-013 and SY-AA-2012-016.
  • LPMP Circular LP-AA-2012-007 and LP-AA-2012-005.

NOTHING TO POST WITH THIS FILING

12/01/12 New/Renew

HNVXG128411259

 

Effective June 15, 2012, we are adopting without alteration the rate symbol assignments that are currently on file with theDivision as follows:

  • This update includes ISO Circular SY-AA-2012-007.
  • This update includes LPMP Circular LP-AA-2012-004.
  • We are utilizing R.L. Polk & Co. tape feed for the implementation of the rate symbol assignments.
NOTHING TO POST WITH THIS FILING

06/15/12 New/Renew

HNVXG128238273 ISO Rate Symbol Adjustment -
NOTHING IN FILING TO POST 
04/12/12 New/Renew
HNVXG128078045 ISO Rate Symbol Adjustment -
NOTHING IN FILING TO POST 
02/09/12 New/Renew
HNVXG127957983 Installment Plan 04/28/12 New/Renew
HNVXG127957980 Installment Plan 04/28/12 New/Renew
HNVXG127886571 Rate Symol Assignment -
NOTHING IN FILING TO POST
02/27/12 New/Renew
HNVXG127848371 
+3%
Rates
Factors
04/01/12 New/Renew
HNVXG127726272

Forms & Endorsements:

  • Coverage Selections Page ACV
04/01/12New/Renew
HNVXG127723282

Adoption of Rate Symbol Assignment
NO BACKUP TO POST W/FILING

10/21/11 New/Renew
HNVXG127390449 Rule 19 11/01/11 New/Renew
HNVXG127369813 Adopted ISO Rate Symbols
NO BACKUP TO POST
08/25/11 New/Renew
HNVXG127180301

Forms & Endorsements:

  • Coverage Selections Page
  • Supplemental Application
07/01/11 New/Renew
HNVXG127141586 Rate Factors 09/01/11 New
10/1/11 Renew
HNVXG127115408 Adopted ISO Symbol - NO BACKUP TO POST 04/15/11 New/Renew
HNVXG126996857 Adopted ISO Symbols - NOTHING TO POST 04/04/11 New/Renew
HNVXG126890292  
+3.8%

Rule: 19 
Rate Factors

03/01/11 New 04/01/11 Renew
HNVXG126833803 Installment Plan - Motorcycles 12/20/10 New/Renew
HNVXG126833620 Installment Plan 12/20/10 New/Renew
HNVXG126899462
HNVR126489505
Groups 12/01/10 New/Renew
04/01/10
HNVXG126845124 Adopted ISO Symbols - NOTHING TO POST 10/14/10 New/Renew
HNVXG126666840 

Forms & Endorsements:

  • Coverage Selections Page
09/26/10 New/Renew
HNVXG126655714   Symbols 09/16/10 New/Renew
HNVR126543844  

Forms & Endorsements:

  • Connection DriiveSmart
  • Connections DriveSmart Advantage
  • Connections Total Household Rewards
  • Rental Coverage Upgrade Endorsement
  • Misc. Type Vehicle Endsorment
  • Roadside Assistance Coverage Endorsement
  • Disclosure Notice
Rules 22, 41, 42, 43, 44, 48, 49
08/01/10 New/Renew
HNVR126533310 
+4.0%
Rates 06/08/10 New 05/23/10 Renew
HNVR09NOV03135  

Forms & Endorsements:

  • Policyholder Notice (MC)

Rates - Motorcycle
Rules: 19, 27, 28, 44 
Complete Manual 

12/19/09 New
01/15/10 
Renew

HNVR09JUL17454    
+3.7%

Category Factors
Rate order of Calculation

10/24/09 New
09/24/09 Renew
HNVR09MAR23986     Rates
Rule: 29
06/01/09 New/Renew
HNVRRULPPA115     Installment Plan 03/15/09 New/Renew

HNVR08DEC05538
+1.5%

Complete Manual
Rules: 2, 19, 48, 54
Forms & Endorsements:

  • Coverage Selections Page
02/23/09 Renew
03/23/09 New
HNVR117095

Forms & Endorsements:

  • Connectins DriveSmart Advantage
  • Connections DriveSmart
Rule 48
12/29/08 New/Renew
HNVR113734 
 -9.6%
Rate Factors 07/31/08 New
HNVR110949 Personal Auto Installment Plan 04/01/08New/Renew
HNVR110948 Motorcycle Installment Plan 04/01/08 New/Renew

Initial Filing 
-8.1%

Complete Manual

Forms  & Endorsements:

  • Additional Customized Equipment
  • LoanLease GAP Coverage
  • Connections DriveSmart
  • Connections DriveSmart Advantage
  • Ultimate Towing and
    Labor
  • Ultimate Rental
  • Second Change Accident Forgiveness
  • Educators Advantage
  • New Car Replacement Guard
  • Deductible Dividends
04/01/08 New