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

How do you get leads for insurance sales?
Inside and outside referrals.AIG should provide you some prospects.Here are some websites that you can advertise on:Home Ins. - http://www.insuremyhouse.comAuto Ins. - http://www.insuremyvehicle.comLife Ins. - http://www.insuremylife.orgBusiness Ins. - http://www.insuremywork.comCollege Plans...

Filing a claim on new insurance after a lapse in coverage?
As long as your insurance was reinstated and in good standing when you hit the deer then it will be a covered loss as long as your carry comprehensive "comp" coverage. This protects you against things like: Fire, Theft/Vandalism, Glass (like stone chips or cracks in your windshield), Animal...

Can I buy US auto insurance to cover my Canada vehicle?
Not if you live in Canada. Plus, some provinces have their own auto insurance that you must buy. Check out this website, which goes by province:Source(s):http://www.ibc.ca/en/Car_Insurance/Car_I…

Looking for the Nebraska division corporate offices of Farm Bureau Insurance?
You should contact your agent to deal with this issue.I did a quick peek, and it doesn't appear that there is a corporate claims office in Nebraska. Their corporate address is: P.O. Box 27427 Raleigh, NC 27611-7427Many times an insurance company uses a local independent adjusting firm to...

Will florida suspend my liscense if I cancel my sr22 insurance that ohio requires me to carry?
If Florida has not specifically required you to carry SR22 insurance, then they should not cancel your license.That being said, you had better be 100% sure that you did not sign something saying you were going to continue to carry it. It has been a while since I have been on MyFlorida.com...