Do I have to list all additional drivers for auto insurance in Ontario?

Do I have to list all additional drivers for auto insurance in Ontario?

I am shopping for auto insurance and noticed that if I include my wife and son in the quote, the insurance jumps from $1600 a year to $3100. That'-s almost double and none of them have any accidents or anything. If I don'-t include them as secondary drivers, can they still drive the vehicle and be insured? And if not, does that mean that every family in Ontario must list all family members that MIGHT drive the vehicle? Answers are MUCH appreciated.

sensibleman

I don't believe insurance is much different there than in the States. Here, all drivers or potential drivers (immediate family) must be listed. If they are not listed, they are not covered. Some companies are selling policies to cover anyone who drives the car. I am not familiar with the restrictions though.

Tina

If you don't include them, they CANNOT drive the vehicle. If they have an accident while driving the vehicle your insuance company can refuse to pay and you would be personally liable for any damages. Plus, your insurance carrier may choose not to renew your policy.In Ontario, you must list all family members, living under the same roof, that may drive the vehicle. Only way around this is to ensure a family member not listed on the policy DOES NOT HAVE ACCESS to the keys for said vehicle.

jaz

yes you have to list them, because if you don't list all licensed drivers living in the household, and you have an accident, the insurer can deny the claim based on non-disclosure of information. If you don't wish your rates to go up, you could always have an excluded driver endorsement, but this is not really recommended because what if they absolutely need to drive the vehicle in an emergency...there would be no coverage.If your wife and son have their own automobiles insured elsewhere, or say your son is listed on your wife's policy, your company would likely not charge for him on your policy. They will just require proof that they are insured elsewhere.Or, if that's not the case, how about listing both, but having your son pay for his share of the premium? If he's listed on your policy, it will be to his benefit in the future, because he'll maintain a continuous insurance record, which will save him tons when he decides to buy his own Mustang.Source(s):insurance adjuster/former broker.

Ask

insurance

Popular Q&A

What type of car insurance should I get in Michigan?
Michigan is a wierd state for insurance. If your car is worth anything, you will have to have physical damage coverage. Reason: If you are in an accident, the most you can collect is $500.00 from the other insurance company ( it is called a mini tort) unless you ae legally parked at the...

Why Defensive Driving Course Certificate can't be used to get an auto insurance discount in Texas?
You can't use it to get a discount if you used it to dismiss a ticket. And maybe your company just doesn't offer that discount. Not all companies do, so shop around. Texans only need to take the class if they are ordered by a judge to not have a ticket go on their record.I also find it strange...

Which make and model of car/SUV is the cheapest on auto insurance?
Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit scores and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting...

What auto insurance companies are currently appointing in Florida?
You will have to shop around as you do.Get a quote from insurers you get from yellow pages or from the web.

If I am bringing my Maryland car with me to Canada when going to work, are there special applications required?
If you just go on a short trip, less than 90 days. You ONLY need to confirm that your insurance includes Canada.If you stay for over 90 days, there is a whole new set of rules:To import a car for free, you need to have owned it, registered in your name for over 18 months.It must be fully paid...