Auto Insurance - Spouse coverage mandatory in Ontario?

Auto Insurance - Spouse coverage mandatory in Ontario?

I'-ve been told from my insurance company that since my wife holds Ontario Driver'-s licence, she will have to be covered under my insurance and pay a higher premium eventhough she does not drive at all. I also saw on-line that you can sign an '-excluded driver form'- (OPCF 28A) in which you declare that she will not drive my car and you can exclude her from your insurance and maintain your premium rate. The insurance company basically denied this and told me that as long as her and I live under the same roof, I will have to pay the higher premium. Can someone please advise?


you either pay what they want or you shop for a company that will honor the excluded driver part/the insurance companys will do what they want and you can go kiss it/so youknow your ways/pay or divorce/they will deny claim if wife gets in one/Source(s):used car dlr nj


No auto insurer in Ontario can refuse to exclude a driver if the named insured decides they want to exclude the driver instead of listing them as a driver. If they do refuse then they are violating section 249 of the Insurance Act. Every insurance company knows this, so what your company is telling you is a lie. Below is a link to the section of the Financial Services Commission of Ontario's (FSCO) website (the organization that regulates insurance companies in Ontario) which confirms what I am saying. My advice is to change companies because the one you are dealing with now appears unethical to sy the least. If this is not possible for whatever reason then print out the OPCF 28A from the website below, fill it out, have you and your wife sign it and take it to your agent/broker along with a copy of the bulletin from FSCO and tell them they either exclude the driver or you'll report them to FSCO for violating the Insurance Act.Source(s):…



Popular Q&A

Would auto insurance cover a car being hit by a meteorite?
It actually would be covered under Comprehensive as it was a free falling object that hit the vehicle. But one would have had to opt for that under their policy. It is NOT part of the mandatory coverage one is required to carry for the state.If only liabitly, then there would be no coverage...

Do you think people in countries with a socialized health care system are freer because they are relieved of?
Absolutely. (Also, I'm just laughing at that cat above saying my health care in Japan is more expensive...) You'll see the proof of higher freedom below...The perpetual game, and not an end game, of liberalism can be exemplified nearly perfectly with the best government in the world - in Japan...

How good is USAA auto insurance?
USAA is an incredible company for Auto Insurance, as well as banking, life insurance, and home/rental insurance.Personally, I have Auto / Credit Card / Life Insurance / Rental Insurance all through USAA.When I was involved in a car accident a few years ago, it took only one call to get everything...

Can new auto insurance company find an incident not reported with DMV but claimed with current insurance comp?
It is probably a matter of public record, and yes, they share information between companies. If you don't report it, and they find it, you have committed fraud. If you don't report it, and they don't find it, and you ever make a claim, it may turn up then and would be cause to deny your claim...

If I purchase auto insurance from AAA, am I automatically enrolled in AAA roadside assistance?
Jordan get it and if possible put other members of the family on it and spouse.Now, if you work 30-40 miles away from your home, you might want to get the 50 miles or more AAA roadside assistance.Once I was about 40 miles away from home when my car stalled in a 100 degreee heat. I had roadside...