How Often Do Insurance Companies Check Driving Records in Ontario?
Many wonder how often their auto insurance record will be checked by an auto insurance company in Ontario. This will ultimately depend on the underwriting guidelines of the particular company but here are a few guidelines that most underwriting departments follow when it comes to checking driving records in Ontario.
Most existing clients in good standing with a company have their driving records checked every 3-4 years. If a policy is brand new to an insurance company, a record check could be more frequent. If a client has had a history of convictions, it is common for insurance companies to run reports on that client’s file yearly until a history of convictions ceases to occur. Keep in mind that it takes money and time to check driving records so insurance companies don’t want to have to run them if they don’t have to.
In order to qualify for cheaper insurance rates, if you have maintained a good insurance record and happen to get one convictions, there is a chance that your insurance company may only catch it the last year of it still being on your record and thus save you some money. Either way, it’s always a safe bet to have a clean convictions record and therefore not have your file flagged for reports being run.
If you have any other questions concerning past convictions and how they can be rated on your auto 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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