Report finds that safe drivers pay $65 each to subsidize premiums for high-risk drivers.
Slower transition in Canada gives insurers opportunity to learn from European experience.
Program to focus on sales, distribution, underwriting and policy servicing.
Indexed injury claim amounts released, territorial rating in auto insurance also under review.
Short-term measures include a cap on rates for good drivers and new rate board powers.
Aviva stages collisions to investigate repair fraud.
Munich Re says it will grow its risk capacity in the continent.