Do I Have To List All Drivers on My Insurance?
Ontario auto insurance applications are regulated by the provincial government to require that every Ontario driver in the household be disclosed to the insurance company for rating and underwriting.
Insurance companies run reports on all drivers to ensure they meet acceptable risk criteria also know as underwriting requirements. If all drivers meet such requirements, the policy is underwritten, rated and bound. There is a chance that certain drivers may be excluded because their personal accident and conviction record causes them to fall outside of the acceptable risk criteria. In that case, they could be excluded from the policy by way of a 28a form that is signed by the owner of the policy and the excluded driver to confirm that all parties understand that the insurance company will not respond in the event of a loss to the excluded driver.
There are cases when someone may be known to the insurance company but no listed on the auto insurance policy. For example a daughter of an insured who is 16 and has a G1 license may be known to the insurance company but not rated/listed under the policy until she has obtained her G2 license.
If you have any other questions concerning drivers in your household and how persons should be rated under the car insurance policy, please feel free to call Kyle Wijnands at 519-393-3246 so that he can answer your specific question. To get an auto insurance quote now, please click the link below. Kyle can them follow up with you shortly to see if there is anything else that can be done to get you cheaper and better auto insurance.
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