Quincy Mutual Filings

As of January 2019

The following are the filings made by Quincy Mutual.

Filing No./Overall Rate Indication Materials Included Effective Date

QUEN131310355

Form/Rule

Form:

  • Massachusetts Mandatory Endorsement – QM-0099-S (04/18)
  • Endorsement Alpha Index

Markup of Changes

04/01/18 New/Renew

QUEN131306658

Form/Rule

Form:

  • Quincy Mutual Auto Enhancement Endorsement – QMEE 04 18

Rule:

  • Rule 36. Quincy Mutual Auto Enhancement Endorsement

Markup of Changes

Form:

  • Quincy Mutual Fire Insurance – Application for MA Motor Vehicle Insurance – MP Applicatin2018
  • Coverage Selections Page – MADEC17 04/17
04/01/18 New/Renew

QUEN131214107

+2.87%

Form/Rate/Rule

Form:

  • Coverage Selections Page – MADEC18 04/18
  • Operator Exclusion Form – (Ed. 02/17)

Rule:

  • Rule 6. Out-of-State Garaging
  • Rule 19. Discounts
    • G. Account Credit
    • N. One Pay/Full Pay Plan Discount
  • Rule 26.5 Basic Coverage Package Premium Rating
  • Rule 26.6 Number of Drivers and Vehicles Factor
  • Rule 44. Motorcycles ...
  • Private Passenger Endorsements – Alphabetical Index
  • Private Passenger Forms

Complete Manual of Rules

Rates:

  • Territory Definitions by Territory Code
  • Statewide Rates by Territory
  • Model Year/Symbol Factors
  • Model Year/ Vehicle Rating Group
  • Stated Amount Comprehensive Rates
  • Motorcycle Rates – State Wide Rates

Miscellaneous Motor Vehicles Chart

Markup of Changes

04/01/18 New/Renew 

QUEN131287854

QUEN131679425

Groups

04/18
QUEN131074641

Form:

  • Cancellation Notice for Non-Payment of Premium – INTENTAUTOMA0617
  • Markup of Changes
08/15/17 New/Renew
QUEN130855810 Groups 04/17

QUEN130841048

+2.360%

Form/Rate/Rule
Form:

  • Coverage Selections Page – MADEC17 04/17
  • Advisory Notice to Policyholders – MPA2017ADV 04 17

Rule:

  • Rule 19. Discounts: Multi-Car
  • Rule 26.2 Risk Underwriting Factor
  • Rule 26.4 Vehicle History Score Factor
  • Rule 26.5 Basic Coverage Package Premium Rating
  • Rule 26.6 Number of Drivers and Vehicle Factor
  • Territory Definitions

Rate:

  • Statewide Rates
  • Model Year/Vehicle Rating Group

Markup of Changes

04/01/17 New/Renew
QUEN130751386

Form/Rule

  • MAP 2016 Edition
  • Important Notice to all policy holders – MPA2016ADV 1 17

Markup of Changes

  • Coverage Selections Page – MADEC16 04 16
  • Application for MA MV Insurance – 04/2016
01/01/17New/Renew

QUEN130529685

-.75%

Rate/Rule

Rule:

  • Rules: 2, 11, 16, 17, 19, 21, 23, 26.2, 26.3, 26.4, 28,  33, 34, 39, 40, 41, 43, 44, 45, 46, 47, 48, 50, 56 removed Tier V references
  • Rule 23. High Theft Vehicles – Now Reserved for Future Use
  • Rule 26.1 Tier Assignment
  • Rule 28. Private Passenger Classification – Removed Cl. 10.
  • Rule 30. Personal Injury Protection
  • Rule 32. Non-Symbolled Pick-ups Vans and Similar Type Vehicle

Rate:

  • Statewide Rates

Markup of Changes

08/01/16 New/Renew

QUEN130311743

+1.610%

Form/Rate/Rule
Form:

  • Massachusetts Automobile Insurance Policy – 2015 Edition
  • Advisory Notice to Policyholders – MPA2015ADV 04 16
  • Coverage Selections Page – MADEC16 04/16
  • Application for Insurance – MPAAplication 2016
  • Massachusetts Automobile Renewal Form – amvrenewalquest 04/16
  • Massachusetts Mandatory Endorsement – QM-0099-S (04 16)
  • Merit Rating Points Forgiveness Endorsement – QMAF 04 16

Rules:
Complete Manual of Rules

  • Rule 1. Massachusetts Automobile Insurance Policy – Eligibility
  • Rule 2. Coverages and Limits
  • Rule 4. Standard Procedures
  • Rule 12. Whole Dollar Premium Rule
  • Rule 19. Discounts
    • A. Multi-Car
    • C. Class 15
    • D. Annual Mileage Discount
    • F. Preferred Operator Discount
    • G. Account Credit
  • Rule 21. AIB Vehicle Rating Group Program
  • Rule 23. High Theft Vehicles
  • Rule 26.1 Tier Assignment
  • Rule 26.2 Risk Underwriting Factor
  • Rule 26.3 Driver Experience Factor
  • Rule 26.6 Number of Drivers and Vehicles Factors
  • Rule 28. Private Passenger Classifications
  • Rule 38. Merit Rating Points Forgiveness Endorsement
  • Rule 41. Stated Amount Coverage
  • Rule 56. Merit Rating Plan
  • High-Theft Vehicle List

Rates:

  • Statewide Rates
  • Tier Rates

Markup of Changes
Forms with markups:

  • Massachusetts Automobile Renewal Form – amrenewalquest 04/16
  • Advisory Notice to Policyholders – MPA2015adv 04 15
  • Manual with markups
04/01/16 New/Renew
QUEN130346305 Groups 01/16
QUEN130086889

Form/Rate/Rule

Adopted AIB VRG Program

Forms:

  • Coverage Selections Page – MADEC 15 0/15

Rule:

  • Rule 11. Premium Calculation Rule
  • Rule 21. AIB Vehicle Rating ?Group (VRG) Program
  • Rule 39. Motor Home/Camper Bodies

Rate: 

  • Tiers I-IV

Markup of Changes

10/31/15 New/Renew

QUEN130040677

-1.5%

Rate/Rule

Rule:

  • Rule 19. Discounts
    • F. Preferred Operator Discount – Not applicable to Tier V
    • L. Superior Client Discount – Not applicable to Tier V
  • Rule 56. Merit Rating Plan

Markup of Changes

08/15/15 New/Renew
QUEN129970870

Rule:

  • Rule 26.5 – Basic Coverage Package Premium Rating
06/15/15 New/Renew

QUEN129811058

+2.440%

Form/Rate/Rule
Form:

  • Coverage Selection Page – Sample  - MADEC15 04/15

Rule:

  • Rule 19. Discounts
    • L. Superior Client Discount – Not applicable in Tier V
  • Rule 56. Merit Rating
  • High Theft Vehicle List
  • VRG Assignment by Price Table (Rule 21)
  • Model Year/Vehicle Rating Group

Forms:

  • Coverage Selection Page -

Rate:

  • Tier V (All Model Years)Statewide Rates (Rates that do not vary by Territory
  • Stated Amount Rates (Rule 41)
  • Motorcycle Rates
  • Miscellaneous Rate Pages

Manual of Rules – Edition Date 4/1/15
Rule No. 

1 Massachusetts Automobile Insurance Policy - Eligibility

2 Coverages and Limits

3 Mandatory Offer of Coverage

4 Standard Procedures

5 Residence and Location

6 Out-of-State Garaging

7 Policy Period

8 Changes

9 Motor Vehicle Registration Certificates

10 Certified Risks - Financial Responsibility Laws

11 Premium Calculation Rule

12 Whole Dollar Premium Rule

13 Installment Payment of Premiums

14 Deposit Premium Rule

15 Employers Subject to Massachusetts Workers Compensation Act

16 Deductibles - Parts 7, 8 and 9

17 Substitute Transportation

18 Termination of Insurance

19 Discounts

20 Model Year Rating

21 AIB Vehicle Rating Group (VRG) Program (Applicable to Model Years 2011 and Greater)

22 Non-Symbolled Vehicles and Rating Vehicles for which Symbols are not Shown on the Rate Pages (Applicable to Model Years 2010 and Prior)

23 High-Theft Vehicles

24 Extra-Risk Rating (Collision and Comprehensive)

25 Vehicle Series Rating (Applicable to Model Years 2010 and Prior)

26.1 Tier Assignment

26.2 Risk Underwriting Factor

26.3 Driver Experience Factor

26.4 Vehicle History Score Factor

27 Private Passenger Definition

28 Private Passenger Classifications

29 Reserved For Future Use

30 Personal Injury Protection - Deductible Form

31 Transportation of Fellow Employees

32 Non-Symbolled Pick-Ups, Vans, and Similar Type Vehicles or Pick-Ups, Vans and Similar Type Vehicles not Assigned to Vehicle Rating Groups

33 Towing and Labor

34 Trailers Designed for Use With Private Passenger Motor Vehicles

35 Replacement Cost Coverage For New Vehicles 3

36 Auto Enhancement Endorsement

37 Auto Loan/Lease Coverage

38 Merit Rating Points/Accident Forgiveness

39 Motor Homes/Camper Bodies

40 Antique Motor Cars and Motorcycles

41 Stated Amount Coverage

42 Reserved for Future Use

43 Low Speed Vehicles

44 Motorcycles, Motorscooters, Mopeds and Similar Motor Vehicles

45 Agreed Amount Coverage - Comprehensive

46 Excess Electronic Equipment Coverage

47 Customized Vans and Pickups

48 Original Equipment Manufacturer Parts Coverage

49 Named Non-Owner Policy (Not Available)

50 Use of Other Automobiles

51-53 Reserved for Future Use 

54 Anti-Theft Device Standards and Discounts

55 Pre-Insurance Inspection Program

56 Merit Rating Plan

56 Increased Limits and Implicit Surcharge Exclusion Factors

57 Reserved For Future Use

58 Registry of Motor Vehicles Procedures

Private Passenger Endorsement Index

Private Passenger Forms  

Rating Territories

High Theft Vehicle Section HT-1 - HT-4

04/01/15 New/Rene4w
QUEN129832684 Groups 04/15

QUEN129511949

-.120%

Form/Rate/Rule
Form:

  • Quincy Mutual Auto Enhancement Endorsement – QMEE 10 14

Rule:

  • Rule 19. Discounts:
    • G. Account Credit
    • L. Superior Client discount
    • P. Household Member/Family Account
  • Rule 36. Quincy Mutual Auto Enhancement Endorsement
  • Rule 38. Merit Rating Points/Accident Forgiveness Endorsement

Mark up of Changes
Forms:

  • Application for Massachusetts Motor Vehicle Insurance
  • Coverage Selections Page
09/01/14 New/Renew

QUEN129312458

+2.49%

Form/Rate/Rule
Forms & Endorsements:

  • Adopted AIB Medical Payment Endorsement – M-109-S.
  • AIB Approved Personal Vehicle Sharing Exclusion form M-0108-S
  • Advisory Notice to explain reduction in coverage due to personal vehicle sharing
  • PPA Endorsements Alpha Index
  • Application for Insurance
  • Coverage Selections Page

Rates:

  • Rating Territories (Boston)
  • Rates
  • Model Year/Symbol Factors
  • Model Year/Vehicle Rating Group
  • Rating Tiers
  • Mark up of Changes

Rules:

  • Complete Manual of Rules
  • High-Theft Vehicle List
04/01/14 New/Renew
QUEN129386185

Groups

04/01/14 New/Renew
QUEN129259478

Rule

  • Installment payment plans
12/01/13 New/Renew
QUEN129081973

Forms/Rates/Rules

Rule: 11, 19, 26.2, 28, 49, 54

Forms & Endorsements:

  • MA Mandatory Endorsement (QM-0099-S (10 13)) – Added Optional Insurance
    (Page 13), Part 5. Optional Bodily Injury to Others (Page 14)
    Removed: 22. We Do Not Pay for Personal Vehicle Sharing
  • Massachusetts Automobile Renewal Form (amvrenewalquest 10 13)
  • Coverage Selections Page (MADEC13 10/13)

 

10/01/13 New/Renew

QUEN128758393

+8.8%

Rates
Complete Manual wiht Markups
Rule:  19, 20, 22, 26.1, 26.3, 30, 33, 38, 44, 45, 56

Forms & Endorsements:

  •  Coverage Selections Page
  • Merit Rating Points/Accident Forgiveness Endorsement QMAF 06 12
  • MA Auto Renewal Questionnaire
04/01/13 New/Renew
QUEN128793998 Groups 04/01/13 New/Renew
QUEN128603401 Complete Manual
New Rule: 26.4 Vehicle History Scoring
01/15/13 New/Renew
QUEN128121499

Complete Manual of Rules

Forms & Endorsements:

  • Merit Rating/Accident Forgiveness (NEW)
  • Quincy Mutual Auto Enhancement Endorsement
    • Added:
    • $500 Pet Coverage
    • $250 Personal Effects Coverage
    • $250 Emergency travel Expenses
    • Editorial Changes:
    • Disappearing Collision Deductible
  • Advisory Notice to Policyholders
  • Application for Insurance
  • Sample Coverage Selections Page

Rules: 36, 38
Forms Index 

08/15/12 New/Renew
QUEN128071678 Groups 04/01/12 New/Renew
QUEN127886225  +7.54%

Rules: 2, 11, 16, 17, 19, 22, 26.3, 28, 39, 43, 47, 
Forms and Endorsements:

  • MA Mandatory Endorsement (ACV)
  • Application
04/01/12 New/Renew
QUEN127313549 Complete Manual
Rates and  Factors
11/15/11 New/Renew
QUEN126974257 Group 04/01/11 New/Renew
QUEN126921780  +5.8%

Complete Manual
Forms and Endorsements:

  • Coverage Selections Page
  • Application
04/01/11 New/Renew
QUEN126630536  -3%

Rules: 1, 11, 16, 17, 20, 26, 28, 30, 32, 33, 34, 35
Rate

10/01/10 New & Renewal
QUEN126571309 Service Charge Increased 06/01/10 New/Renew
QUEN126528690

Rule: 22
Forms and Endorsements:

  • Application 
05/01/10 New/Renew
QUEN10JAN06884

Forms and Endorsements:

  • Application
QM Employee Group
04/01/10 New/Renew
QUEN09DEC21095  +2.9%

Forms and Endorsements:

  • Coverage Selections Page
  • Application

Rules: 18, 19, 20, 46, 55, 56, Misc. Rating Factors, Misc. Motor Vehicles, 
Rates 

04/01/10 New/Renew
QUEN09SEP16290
-1.84%

Complete Manual
Rules:  11, 19, 23, 39, 47
Rates
Forms and Endorsements:

  • Application
12/01/09 New/Renew
QUEN09APR1421

Rules: 36, 37
Forms and Endorsements:

  • QM Auto Enhancement
  • Auto Loan/Lease
07/01/09 New/Renew
QUEN125960535

Forms and Endorsements:

  • Application
04/01/09 New/Renew
QUEN09JAN23309

Forms and Endorsements:

  • Coverage Selections Page
  • Application
  • Renewal
  • Quote
  • Merit Rating Plan Statement
  • Declination of Auto Insurance
  • Merit Rating Plan - How it Works
04/01/09 New/Renew
QUEN08DEC31052    +3.0%

Complete Manual
Rates
Rules: 11, 19
Forms and Endorsements:

  • Application
04/01/09 New/Renew
QUEN114753

Complete Manual
Rates
Forms and Endorsements:

  • Application
07/01/08 New/Renew
Initial Filing    
-10.0%
Complete Manual 04/01/08 New/Renew

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