Prohibition - Lapse in Coverage
5.1No insurer shall establish an automobile insurance rating classification to distinguish between insured persons on the basis of a lapse in coverage under a contract of automobile insurance for a period of less than 24 months, unless the lapse resulted, directly or indirectly, from
(a)
the termination of a policy of automobile insurance for failure to pay premiums due under the terms of the contract,
(b)
the termination of a policy of automobile insurance for failure to disclose an accident or a conviction for an offence related to the use or operation of an automobile, and the accident or the conviction would likely have led to a higher premium being charged, or
(c)
the suspension of the person’s driver’s licence for an offence related to the use or operation of an automobile.