5. (1) No insurer shall decline to issue, refuse to renew or terminate any contract of automobile insurance or refuse to provide or continue any coverage or endorsement solely because, (a) the applicant or another person who would be an insured person under the contract is or was insured by the Facility Association; or (b) another insurer declined to issue or renew another contract of automobile insurance for the applicant or another person who would be an insured person under the contract.  R.R.O. 1990, Reg. 664, s. 5 (1). (2) In deciding whether to issue, renew or terminate any contract of automobile insurance or to provide or continue any coverage or endorsement, the insurer shall not consider, (a) the existence of a physical or mental disability affecting a person who would be an insured person under the contract; (b) the number of persons who would become insured persons under the contract or their state of health or life expectancy; (c) the occupation, profession or employment circumstances of any person who would be an insured person under the contract; (d) the level of income of any person who would be an insured person under the contract; (d.1) the employment history of a person who would be an insured person under the contract; (d.2) the fact whether a person who would be an insured person under the contract has a credit card; (d.3) the credit history of a person who would be an insured person under the contract; (d.4) the credit rating of a person who would be an insured person under the contract; (d.5) the fact whether a person who would be an insured person under the contract is bankrupt or has a history of bankruptcy; (d.6) the residence history of a person who would be an insured person under the contract; (d.7) the fact whether a person who would be an insured person under the contract owns a home; (d.8) the gross or net worth of a person who would be an insured person under the contract; (d.9) the indebtedness of a person who would be an insured person under the contract; (d.10) the fact whether a person who would be an insured person under the contract has made premium payments that were late or dishonoured in respect of a contract of automobile insurance that was not terminated by reason of the late or dishonoured payments; (e) the existence or non-existence of a medical, surgical, dental or hospitalization plan or any other arrangement or plan providing coverage to a person who would be an insured person under the contract for services and treatment that the insurer would otherwise be required to pay for under the Statutory Accident Benefits Schedule; (f) the existence or non-existence of an income continuation benefit plan, a sick leave plan or any other arrangement or plan providing coverage to a person who would be an insured person under the contract for benefits that the insurer would otherwise be required to pay for under the Statutory Accident Benefits Schedule; (g) a request by the applicant to purchase any optional benefit established under paragraph 10 of subsection 121 (1) of the Act; (h) any past claim under the Statutory Accident Benefits Schedule arising out of an incident for which a person who would be an insured person under the contract was not at fault; or (i) any past claim under section 263 of the Act for loss or damage, arising directly or indirectly from the use or operation of an automobile, for which a person who would be an insured person under the contract was not at fault.  R.R.O. 1990, Reg. 664, s. 5 (2); O. Reg. 780/93, ss. 1, 4; O. Reg. 46/05, s. 1; O. Reg. 268/22, s. 1. (2.1) Subject to subsection (2.2), for the Personal Vehicles — Private Passenger Automobiles category of automobile insurance, in deciding whether to issue, renew or terminate any contract of automobile insurance or to provide or continue any coverage or endorsement, the insurer shall not consider a minor accident that occurred on or after June 1, 2016. O. Reg. 250/15, s. 2 (1). (2.2) An insurer may consider a minor accident that occurred on or after June 1, 2016 if, within the previous three years, any automobiles that were or would be covered by the contract of automobile insurance were involved in a total of more than one minor accident and, in any of those accidents, the driver of that automobile was at fault. O. Reg. 250/15, s. 2 (1). (2.3) For the purposes of subsections (2.1) and (2.2), an accident is a minor accident if all of the following circumstances exist: 1. The cost of damage to each automobile, including any associated property damage, did not exceed $2,000 and the cost of all such damages was paid by or on behalf of the driver who was at fault. 2. No personal injuries were sustained as a result of the accident. 3. No payment was made by any insurer with respect to damage to any automobile or property resulting from the accident. O. Reg. 250/15, s. 2 (1). (3) In deciding whether to issue, renew or terminate a contract providing only third party liability coverage in any amount and the benefits and coverages described in subsection 265 (1) (uninsured automobile coverage) and section 268 (statutory accident benefits) of the Act, the insurer shall not consider whether a person who would be an insured person under the contract has made any past claim for loss or damage to an automobile, including its equipment, caused by any peril other than collision or upset.  R.R.O. 1990, Reg. 664, s. 5 (3); O. Reg. 780/93, s. 1. (4) An insurer shall not terminate a contract of automobile insurance because, (a) a group marketing plan within the meaning of section 17 terminates; or (b) the insured ceases to be a member of a group referred to in clause 16 (5) (a) or (b).  O. Reg. 553/94, s. 1. Added Coverage to Offset Tort Deductibles Endorsement