Canadian Underwriter

NDP motion calls for Ontario truck insurance relief

April 30, 2021   by John G. Smith

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Ontario NDP MPP Guy Bourgouin (Mushkegowuk-James Bay) has officially introduced a motion calling on the provincial government to tackle rising insurance costs faced by owner-operators.

“Today is a victory for all the truckers in northern Ontario and across the province who are facing crippling costs in their industry. The passing of this motion in the legislature is an acknowledgement that action is needed to deal with the astronomical insurance costs facing truckers, and the driver shortage in this province,” he said in a related statement.

The motion calls on the government to review underwriting rules and risk classifications that “gravely affect” owner-operators, re-evaluate truck driver training standards and costs, and require fleets to provide drivers a letter of experience on request.

Insurers use the letters of experience when determining premiums. Ontario was also the first province to require mandatory entry-level training standards before Class A/Z licensing tests.

“We’re looking at insurance gouging,” Bourgouin said during an online press conference earlier in the day. “How does a small business survive? The owner-operator survive?”

He referred to an owner-operator who had to park a truck because a new driver’s work history couldn’t be confirmed to the satisfaction of insurers.

Rising costs, missing drivers

Debbie Paquin of Laflamme Trucking in Hearst, Ontario, said during the press conference that her business saw insurance costs increase from $2,800 to $6,500 in 2018, without reason. “No fines, no nothing,” she said.

While they now need to pay $15,000 for Facility Association insurance to cover her son, who paid $10,000 for a six-week training course to earn a licence, Paquin earned her own licence in a single day in 1996.

“We’re missing truck drivers but we can’t insure them,” she said.

Angela Price, an experienced roll-off and heavy-haul truck driver from Kawartha Lakes, said she has been unable to find work because she can’t get a required letter of experience from a previous insurer.

“I’ve had five companies come to me to ask me to work, and I can’t get insured with their policy,” she said.

“I can’t do anything. It seems inconceivable to me that I’m qualified but unemployed for a year.”


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2 Comments » for NDP motion calls for Ontario truck insurance relief
  1. Jim Favot says:

    Isn’t this what FSRA, a government body, is for? FSRA/FSCO has been looking at this issue for years. Why doesn’t the NDP call the regulatory body first to find out what is going on?
    It is also this same government body that approves insurance company rates and rules. Basically FSCO/FSRA has allowed the companies to place all these rules to make it almost impossible to find affordable coverage.

  2. Stephen Webster says:

    Thr insurance companies in Ontario can do whatever they want. I am in a wheelchair because I lost the use of my right foot from being homeless for the last 7 years after a windstorm damaged my house. Many small transport companies essential disabled transport can not get affordable insurance in Ontario.

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