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Company Rate Filings for Auto
MAIA's Review of Company Rate Filings for Auto

 

Company Rate Filing Information

Standard Fire Insurance Company
(Formerly Premier/Travelers Insurance Company of Massachusetts)

As of June 2017

The following are the filings made by Standard Fire Insurance Company

Filing No./Overall Rate Indication. Materials Included Effective Date

TRVA130903889

+5.8%

Rule:

  • Supplemental Rule – Rate Stabilization

Rate:

  • Base Rates by Coverage
  • Early Quote Discount factors
  • Continuous Insurance Discount factors
  • Substitute Transportation rates 

Markup of Changes

04/28/17 New05/28/17 Renew

TRVA130733103

-.010%

Rate:

  • Revisions to Base Rates by Coverage
  • Revisions to Territory Factors by Coverage
  • Revisions to Early Quote Discount factors
  • Revisions to New to Travelers Discount factors
01/06/17 New
02/15/17 Renew 
TRVA130807258
TRVA130917277
TRVA130985885
TRVA131033304
Groups 01/17
04/17 
05/17
07/17

TRVA130542602

TRVA130666964

TRVA130724613

Groups

05/16
08/16 New
09/16 Renew 
10/16

TRVA130536820

-6.9%

Rate/Rule

  1. Revisions to Base Rates by coverage
  2. Revisions to Optional BI (Part 5) increased limit factors
  3. Revisions to the Rate Stabilization table
  4. Revisions to Rule 6 – Policy Variables, including revised threshold amounts for at-fault accidents to comply with

Massachusetts House Bill 3650

  1. Revisions to Optional BI (Part 5) minimum coverage premiums

Rule:

  • 6. Policy Variables
  • 6.1 Incident Determination and Accumulation
  • 6.2 Driver Variables
  • 6.3 Other Variables
  • 6.4 Policy Discounts
  • Supplemental Rules – Rate Stabilization

Rates:

  • Base Rates & Territories
  • Symbols

Markup of Changes for Rules

06/17/16 New
07/17/16 Renew 

TRVA130269255

-9.59%

Rate

  • Base Rates & Territory
  • Vehicle Variables & Discounts
  • Tiers
11/13/15 New
12/13/15 Renew 
TRVA130138710

Rule:

  • Rule 3 - Premium Determination: Rate Order of Calculation has been modified
  • Rule 17 - V State Specific Coverages: Rate Order of Calculation has been modified
  • Rule 18 - Miscellaneous Coverages: Rate Order of Calculation has been modified
    • 18.1 Deductible Insurance
    • 18.2 Substitute Transportation (Part 10)
    • 18.3 Roadside Assistance (Part 11)
    • 18.4 Trip Interruption Coverage
    • 18.5 Personal Property Coverage
    • 18.6 Glass Deductible – Comprehensive
    • 18.7 Custom Equipment –Increased Limit
    • 18.8 Reserved for Future Use
    • 18.9 New Car Replacement Coverage
    • 18.10 Loan or Lease Gap Coverage
    • 18.11 Extended Non-Owned Coverage
    • 18.12 Reserved for Future Use
    • 18.13 Reserved for Future Use
    • 18.14 Agreed Amount Coverage – Comprehensive
    • 18.15 Stated Amount Coverage
    • 18.16 Waiver of Deductible
  • Rule 19 - Features: Rate Order of Calculation has been modified
  • Supplemental Rules Transition Modification - New Program: Premium determination has been modified

Markup of Changes

07/28/15 New/Renew

TRVA129886286

Billing Plan

05/15/15 New

TRVA130045279
TRVA130125229 
TRVA130292534

Groups

05/15
07/15 
10/15 

TRVA129866053

Initial Filing

Filing Description:

This filing introduces our new Quantum Auto 2.0SM voluntary Personal Auto Program in The Standard Fire Insurance

Company for the state of Massachusetts. This filing is a Travelers Rate, Rule and Forms Filing.

Form/Rate/Rule:
Forms:

  • Travelers Massachusetts Automobile Insurance Policy – A01MA00 (05-15)
    • Removed Motorcycles
    • Added Definitions:
      • 9. HHM – Civil Partners, Domestic Partner
      • 11. Punitive or exemplary damages
      • 12. Personal vehicle Sharing
  • Amendment of Policy Provisions – E5CMA00 (05-15)      
    • Additional Coverages
      • Airbag Replacement
      • Child Safety Seat
  • Additional Insured – Lessor – E5AMA00 (05-15)
  • Agreed Amount Coverage – Comprehensive – E5BMA00
    (05-15)
  • Antique Auto Endorsement – E5DMA00 (05-15)
  • Custom Equipment Coverage – Increased Limit –
    E5EMA00 (05-15)
  • Decreasing Deductible – E5FMA00 (05-15)
  • Extended Non-Owned Coverage – E5GMA00 (05-15)
  • Loan or Lease GAP Coverage – E5HMA00 (05-15)
  • New Car Replacement Coverage – E5IMA00 (05-15)
  • Personal Property Coverage – E5KMA00 (05-15)
  • Stated Amount Coverage – E5LMA00 (05-15)
  • Total Loss Deductible Waiver – E5MMA00 (05-15)
  • Trip Interruption Coverage – E5NMA00 (05-15)
  • Waiver of Deductible – E5OMA00 (05-15)
  • $100 Glass Deductible – Comprehensive – E5PMA00 (05-15)
  • Coverage Selections Page – PL-50221 (05-15)
  • Application For Massachusetts Auto Insurance –
    PL-50216 (05-15)
  • Additional Remarks Schedule – PL-50232 (03-12)
  • Auto Quote/Policy Acceptance – QCA500- 03-12
  • Notices

Quantum Auto 2.0 Manual:

  • Liability and Physical Damage Default Symbols PS 1 - 10

Appendix - Safe Driver Tables

  • Safe Driver Level SDL 1
  • Safe Driver Transition SDT 1 - 15

Massachusetts Rate Pages

  • Base Rates & Territory BRT 1 - 8
  • Household Composition HC 1 - 255
  • Policy Incident Variables PIV 1 - 31
  • Policy Driver Variables PDV 1 - 3
  • Policy - Other Variables POV 1 - 28
  • Policy Discounts PD 1 - 59
  • Vehicle Variables Discounts VVD 1 - 141
  • Other Discounts OD 1 - 5
  • Expense EA 1 - 60
  • Miscellaneous Coverages MC 1- 7
  • Features FT 1 - 17
  • State Specific Coverages SSC 1 - 2
  • Tier TR 1 - 179
  • Incident Classification IC 1

Massachusetts Supplemental Rules/Rates

  • Rate Stabilization Rule SP RS 1 - 6
  • Transition Modification - Acquisition Rule SP TMAC 1
  • Transition Modification - Acquisition Rates SP TMAC 2 - 9
  • Transition Modification - New Program Rule SP TMNP 1
  • Transition Modification - New Program Rates SP TMNP 2 - 8
  • Exceptional Life Events Rule SP ELE 1
  • Exceptional Life Events Rates SP ELE 2
  • Rate Capping Rule SP CRC 1
05/15/15 New