Norfolk & Dedham Filings

The following are the filings made by Norfolk & Dedham.

As of November 2018

Filing Identification No. Materials Included Effective Date
NFDG131638840

Form/Rule

Form:

  • Massachusetts Amendatory Endorsement – ND-0100-S (Ed. 12-18)

Rule:

  • 2018 Massachusetts Private Passenger Automobile Insurance Manual
    • Rule 54. Application of Rating Plans
    • Rule 57. N&Drive
    • Private Passenger Endorsements

Markup of Changes

12/01/18 New/Renew
 NFDG131536021  Form:
  • Mandatory Endorsement ND-0099-S (ED 9-18)
    • 25. N&Drive Rewards
09/01/18  New/Renew

 NFDG131479919

-0.100%

Rate/Rule

Rule:

Complete Manual of Rules

  • Rule 11. Premium Calculation Rule
  • Rule 19B. Advance Purchase
  • Rule 19N. Substitute Transportation
  • Rule 19O. Town Relativity Factor
  • Rule 19P. Transition Rating
  • Rule 16. Rating Factors
  • Rule 56. Merit Rating
  • Rule 57. N&Drive Program

Rates:

  • Territory Rates
  • Model Year – Symbol Relativities
  • Increase Limit Factors
  • Deductibles
  • Non-Symbolled Vehicles (Rule 22)
  • Stated Amount Rates (Rule 41)
  • Miscellaneous Rating Factors
  • Miscellaneous Motor Vehicles
  • Motorcycle Rates
  • Town Relativity Factors (Rule 19)

Markup of Changes

09/01/18 New/Renew 
 NFDG131353208  Form/Rule

Form:

  • Massachusetts Endorsement – ND-0001-S – PersonalPak™ Auto
  • Mandatory Endorsement – ND-0099-S (Ed. 7-18)
  • Important Notice

Rules:

  • Rule 29. Tier Assignment
  • Rule 36. Accident Forgiveness
  • Rule 19K. NSF
  • Rule 28.B.2. Excluded Operator
  • Rule 31. Removed
  • Rule 34. Removed
  • Rule 44. Add Electric Motorcycle

Markup of Changes

07/01/18 New/Renew 

NFDG131253272

Form/Rate/Rule

Form:

  • Massachusetts Endorsement – ND-0003-S Accident Forgiveness (ND-0003-s (Ed 2/18)
  • Complete Manual of Rules
    • Rule 29. Tier Assignment
    • Rule 36. Accident Forgiveness

Markup of Changes

07/01/18 New/Renew 

NFDG131302126

Groups

02/18
NFDG130969321

Rate/Rule:

Rules:

Complete Manual of Rules

  • Rule 11. Premium  Calculation Rule
  • Rule 19. Factors Rule now alphabetized
  • Rule 19B. Revised Factors and Eligibility Clarified
  • Rule 19k. NSF Checks Factor – new
  • Rule 19L. Paid in Full Discount – new
  • Rule 19N – Substitute Transportation Limit Factor – new
  • Rule 26A – Driver-Car Matrix Factors
  • Rule 26B-Risk Factors
  • Rule 26C-Vehicle Factors
  • Rule 26D – Years Licensed Factor
  • Rule 55. Pre-Insurance  Inspection Rule
  • Rule 56. Merit Rating Factors
  • Territory Definitions

Rates:

  • Territory Rates

Markup of Changes

08/01/17 New/Renew
NFDG131034573

Form:

  • Coverage Selections Page – 090701 (Ed. 8-17)

Markup of Changes

08/01/17 New/Renew
NFDG130851469 Groups 04/17
NFDG130657336

Rule:

  • Rule 35 – Tier Assignment
10/01/16 New/Renew
NFDG130504389

Rule:

  • Rule 11 – Premium Calculation Rule
  • Rule 19.F – Book Transfer Discount
  • Rule 19.L – Transition Rule
  • Rule 37 – Policy Characteristics Factor enhanced

Markup of Changes

08/01/16 New/Renew
NFDG130491180

Rule:

  • Rule 37. Policy Characteristics Factor enhanced

Markup of Changes

07/01/16 New/Renew
NFDG130377429 Groups 05/16
NFDG130336362

Rule:

  • Rule 56 Merit Rating

Markup of changes

02/01/16 New/Renew
NFDG130203907

Rule:

  • Rule 19. Discounts
    • C. Hardship Rule
10/15/15 New/Renew
NDFG130177187

Rule:

  • Installment Billing Plan

Markup of Changes

10/15/15 New/Renew

NFDG130100408

-1.2%

Rate/Rule
Rule:

Complete Manual of Rules/Rates

  • Rule 11 – includes the Policy Characteristics factor in the premium calculation for clarity.
  • Rule 19
    • Account Credit Eligibility
    • Advance Purchase Discount - changes to eligibility and application of credit
  • Rule 26 - revised rating factors
  • Rule 35 – Policy Characteristics Factor is introduced
  • Rule 54 - Merit Rating factor changes

Rate:

  • Model Year – Symbol Relativities
  • Increased Limits Factors for BI
  • U1/U2
  • Increased Limits Factors for Property Damage Liability
  • Deductibles
  • Merit Rating Adjustment Factors
  • Non-Symboled Vehicles (Rule 22)
  • Stated Amount Rates (Rule 41)
  • Miscellaneous Rating Factors
  • Miscellaneous Motor Vehicles
  • Motorcycle Rates

Markup of Changes

10/15/15 New/Renew
NFDG129951997

Groups

05/15
NFDG129819037

Form:

  • Coverage Selections Page – 090701 (Ed. 1-15)

Markup of changes

01/09/15 New/Renew
NFDG129750041

Form/Rule
Form:

  • Accident Forgiveness – ND-0003-S (Ed./ 1/15)

Rule:

  • Rule 36. Accident Forgiveness

Markup of Changes

01/09/15 New/Renew

NFDG129464012

+3.7%

Form:

  • Accident Forgiveness – ND-0003-S (Ed. 09/14)

Rule/Rates:

  • Manual of Rules
  • Rule 11. Premium Calculation 
  • Rule 18. Termination of Insurance
  • Rule 19. Factors (formerly Discounts)
    • B. Advanced Purchase
    • D. Annual Mileage
    • I. Hybrid/Electric Vehicle
  • Rule 23. High Theft Vehicles
  • Rule 26. Rating Factors:
    • A. Driver/Car Matrix
    • B. Risk Factor-Liability; Collision; Comprehensive
    • C. Vehicles
    • D. Years Licensed
  • Rule 27. Private Passenger Definition
    • B. 3. Is not used for snow plowing
  • Rule 29. Tier Assignment
  • Rule 54. Anti-Theft Device Standards and Discounts
  • Rule 56. Merit Rating Plan
  • High-Theft Vehicle List – Model Year 2010-2014
  • Statewide Rates (Rates that do not vary by territory)
  • Territory Rates
  • Motorcycle Rates
Mark up of Changes
10/01/14 New/Renew
NFDG129344524

Form/Rule
Form:

  • Personal Vehicle Sharing Exclusion Endorsement – ND-PVSE 07 14
  • Mandatory Endorsement ND-0099-S (Ed. 7-14)
  • PersonalPak™ Auto – ND-0001-S (Ed. 07-14)

Rule:

  • Endorsement Index

Mark up of Changes

07/01/14 New/Renew
NFDG129340564 Groups 05/01/14 New/Renew
NFDG129298642 Form/Rate/Rule
Form:
  • Accident Forgiveness – ND-0003-S
  • Notice to Policyholders – ND-0003-PN (ed. 01/14)
  • Coverage Selections Page – 090701 (ed. 01/14)

Rule:

  • Rule 36. Accident Forgiveness
  • Private Passenger Endorsements – Alpha Index
  • Personal Auto Forms Index – MA
  • Mark-up of Changes
01/09/14 New/Renew
NFDG129137453

Complete Manual
Rule 29. Tier Assignment
Territory Pages
High Theft Vehicles 

10/01/13 New/Renew
NFDG129127880 Complete Manual
Rule 29. Tier Assignment
Territory Pages
High Theft Vehicles
10/01/13 New/Renew

NFDG128965301

+3.080%

Adopted AIB MC Rates

NOTHING TO POST IN FILING

07/01/13 New/Renew
NFDG128848589 Zip Code Changes 04/01/13 New/Renew
NFDG128785908 Groups 04/01/13 New/Renew
NFDG128611408
 -0.500%

Complete Manual
Rates:

  • Adopted MAIP Motorcycle Rates for Voluntary Business
  • Misc. Rate Factors
Rules: 29 
10/01/12 New/Renew
NFDG128138224

Forms and Endorsements:

  • Coverage Selections Page
07/01/12 New/Renew
NFDG128088383  +7.6%

Rates:

  • Changes in Base Rates
  • Revised MVA Factors & Incorporated new MVA Factors
  • Introduced Tier Rating
  • Adopted ISO Symbol 75 Specifications
Rules: 11, 19, 24, 26, 29, 56 
07/01/12 New/Renew
NFDG128129808

Forms and Endorsements:

  • PersonalPak Auto
Rule 35
04/01/12 New/Renew
NFDG127710010 Groups 04/01/12 New/Renew
NFDG127020157
+2.2%
Rates 05/01/11 New/Renew
NFDG127104590 Groups 04/01/11 New/Renew
NFDG126865632 Rule 22 01/01/11 New/Renew
NFDG126770661  +3.7%

Complete Manual
Forms and Endorsements:

  • Coverage Selections Page

Rates
Rule 11, 19, 24, 33, 35, 36, 55, 56, 57 

11/15/10 New/Renew
NFDG126748836 Complete Manual
Rule 20, 22, 
10/01/10 New/Renew
NFDG126482668   Groups 04/01/10 New/Renew
NFDG09NOV18720  

Forms and Endorsements:

  • DrivePak
11/25/09 New/Renew
NFDG09OCT26688   

Forms and Endorsements:

  • Supplemental Application
  • Supplenmental Renewal Application
10/27/09 New/Renew
NFDG09AUG10055    Complete Manual
Rules: 19, 24, 26, 35, 57
07/01/09 New/Renew
NFDG09MAY21725   

Forms and Endorsements:

  • DrivePak
Complete Manual
Rules: 19, 24, 35, 57

07/01/09 New/Renew

NFDG09APR22706   +0.5%

Forms and Endorsements:

  • DrivePak
  • MA Auto Supplemental App.
  • MA Auto Supplemental Renewal App.
  • Coverage Selections Page
Completed marked up manual
07/01/09 New/Renew
NFDG09MAR05529     Groups 04/01/09 New
NFDGRuleND122 Billing Plans 01/01/09 New/Renew
Initial Filing   
 -8.5%
Complete Manual 04/01/08 New/Renew

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