Insurance co. forcing family members with licences to sign up

[shawn99]

My mom was getting her insurance renewed and she let em know that her son (me) wasn't insured under any of the vehicles. Insurance company claims that since a family member has a license and has access to the vehicle, the individual has no choice but to sign up? Is there any way out of this? They are sending the revised insurance contract which totals $300 more for the secondary driver

[MameXP]

I think there is no way out of it. Thats just the way it works. If you're living there as a residential addy. You have to list under your mom's policy.

[dolphie]

yup, the insurance company needs to know about any licenced driver living under the same roof

[B40]

You have to move and change the address on your license.

[shawn99]

how about signing a waiver saying that I will not touch the cars? That way Insurance Co. won't be held liable

[odd person]

sorry, it's the law - we had an incident where a 69-year-old with her own policy (dominion of canada) was causing us problems. we were signing up at PC Insurance and they needed to contact dom in order to verify she's insured - but they needed her consent...

[Winston81]

Sign the OPCF 28A excluded driver form.

[yiggy]

another option is to forego your driver's license. return it back to the ministry. you dont have a license, you can't drive, you dont need to be on the policy.

[ratface]

If you drive the cars, you have to be listed. If you don't, you can request the waiver (as mentioned, the 28A endorsement). Remember, that if you are listed on the policy you start earning insurance history which will make your premiums smaller when you do get a car of your own. 28A means you are not listed, and will start from scratch when you apply for insurance.

[Narci]

Sign the OPCF 28A excluded driver form.


Yup..you can sign an exclusion form..i did that last year. If insurance say there's no such thing..they are lying and just trying to get you to spend more money with them.

[dolphie]

I've got another question along the same lines as the OP's.
My husband and I each have our cars that we drive everyday. We've also got a classic 79 malibu we put away in the winters and only drive about 500-800 km's each summer.
Come the time that JR turns 16 and starts driving we were going to sell it. We wouldn't be able to afford to have him as a principal driver on a car. Inusrance says three cars, three licenced drivers, each person has to be principal on one of them.
Is there some sort of exclusion we could sign along these same lines that would state the son would never ever drive the malibu and could just be occasional driver on the other two?
Or are we going to get stuck making him primary on one of our cars even though we will be the ones driving it every day, not him.

[Bullseye]

I've got another question along the same lines as the OP's.
My husband and I each have our cars that we drive everyday. We've also got a classic 79 malibu we put away in the winters and only drive about 500-800 km's each summer.
Come the time that JR turns 16 and starts driving we were going to sell it. We wouldn't be able to afford to have him as a principal driver on a car. Inusrance says three cars, three licenced drivers, each person has to be principal on one of them.
Is there some sort of exclusion we could sign along these same lines that would state the son would never ever drive the malibu and could just be occasional driver on the other two?
Or are we going to get stuck making him primary on one of our cars even though we will be the ones driving it every day, not him.

Get special car insurance, like Silver Wheels. Not a great idea to have a specialty car on a normal policy, they usually over charge. This will also sidestep your problem with the teenager.

[dolphie]

Get special car insurance, like Silver Wheels. Not a great idea to have a specialty car on a normal policy, they usually over charge. This will also sidestep your problem with the teenager.
i just googled that. wow, what a savings! It looks like its the answer for us too, thanks a ton
One thing I couldn't find.....do i have to get an up to date appraisal to qualify? I'ev got one from 99 or so...

[Bullseye]

Not sure about that. Did you find Lants and Co's website? Lots of info there.

[TigerEROS]

another option is to forego your driver's license. return it back to the ministry. you dont have a license, you can't drive, you dont need to be on the policy.

Yup! The waiver form will do. The insurance company CANNOT FORCE you to buy insurance.

You just need to sign the form to agree that you will not operate the vehicles that is at the address.

[CSR]

Sorry to bump an old thread... but:

Has anyone else used the OPCF 28A form before?

Does the insurance company have to accept the form, or is it up to their discretion? Will this lower premiums usually?

Our situation:

Mini-van: Dad drives exclusively
Car: Mom, brother drives only

We called the insurance company to add me to the policy but they say I have to be added to the mini-van as an occasional driver because you can't have more than 1 occasional driver per vehicle... I call BS. This will raise our premiums by nearly $1500. Currently paying $2800; they want $4340 now.