By Law Reporting Drivers for Auto Insurance.?

[chachu]

Is it true.? I was told today by Insurance Rep that I have to report of any body living in house hold with a valid License ,in spite of the fact they drive or not .
My wife is not driving or will be a ocassional driver if they insist ,but the insurance co wants her License details and will jack up my premium by 100 dollars a month.
Any suggestions:confused:

[gilboman]

All licenced drivers in a household needs be reported to the insurance company whether they drive or not. unless you sign a waiver specifying so and so will NEVER EVER drive the car. but i'm not sure if all insurance company give you the option of signing this waiver

[professionaldude]

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

[gman]

Is it true.? I was told today by Insurance Rep that I have to report of any body living in house hold with a valid License ,in spite of the fact they drive or not .
My wife is not driving or will be a ocassional driver if they insist ,but the insurance co wants her License details and will jack up my premium by 100 dollars a month.
Any suggestions:confused:

Yes, you have to do that in Ontario.

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

You care if you have an accident and they reject your claim because of that. And, it is easy to prove too.

[CSK'sMom]

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

That's a great way to get yourself blackballed with insurance companies and end up with with premiums that will cost you so much that you won't be able to afford to drive. That is considered insurance fraud.

chachu, as long as your wife holds a valid license she has to be listed on the insurance policy. There are a few companies that allow the waiver but if she ever sits behind the wheel, even in the case of a dire emergency, you will be subject to immediate cancellation of your policy. You will then be considered guilty of insurance fraud (read above). Either pay the increased premium or tell your wife to turn in her license...

[thephenom]

Shop around, it shouldn't cost an extra $100 per month to add a female driver!

[Jucius Maximus]

Shop around, it shouldn't cost an extra $100 per month to add a female driver!

Unless she has convictions.

[AudiDude]

This same thing happened to my sister. Her insurance company wanted $350 more because I was living in the same house. My sister flipped out stating that she drives a crappy car and that I own three premium/luxury cars and have no reason to use her car. She called the Insurance Bureau of Canada and they called her agent (Scottish and York) and had a discussion with them. When it was all said and done, she was told there was a computer glitch and they really didn't require the $350 they were so sure they needed before. Neither of us had any tickets or accidents at the time (sister developed a lead foot later on in life). My mom was on my insurance for free.

[KanDaMan]

I was told the samething when my sister got her licence. We were shopping around for insurance and one of the reps we talked to asked us if there was anyone else in the house with a drivers licence, I said my sister. She said its illegal not to report her and that we could get blacklisted by insurance companies if we fail to report anyone in the house with a valid drivers licence.

Only ways around it is either: pay the extra, cancel the licence, sign the waiver, move out of the house or better yet just change the address on your licence to something else - perhaps to a friends who doesnt drive and/or has a licence.

Sort of sucky but what can you do. The insurance companies in Ontario have us by the balls.

[chachu]

How about Bel Air i took their quote is half of my current insurance co includes my spouse,only problem i am only in third month of renewal,now they will charge more for terminating it,,?
Anyone with BelAir ,how good is it.?:mad:

[preshans]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

[gilboman]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

of course!! as long as there's a chance you will drive it, you need to be insured.

[BuildBuyBreed]

Um... just don't tell them.

The only way they'll find out if there is another licensed person in the same household is if they send an agent out to investigate (not likely) or someone rats you out.

I'm with PC Insurance and they don't care about other licensed drivers in my household (2)... hell... my mother's with PC too with the same address and everything but our premiums are dirt cheap still.

[new_vr]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

yes you do, but it will pay off later. You will get cheaper insurance based on how long you have had your insurance

[gilboman]

Um... just don't tell them.

The only way they'll find out if there is another licensed person in the same household is if they send an agent out to investigate (not likely) or someone rats you out.

I'm with PC Insurance and they don't care about other licensed drivers in my household (2)... hell... my mother's with PC too with the same address and everything but our premiums are dirt cheap still.

oh great..another person who thinks insurance fraud is the way to go. if you are going to cheat, atleast make it worth your while, saving a few hundred a year to not put yourself as occasional driver and then get into an accident to screw you over for life.

real bright you are.

[BuildBuyBreed]

oh great..another person who thinks insurance fraud is the way to go. if you are going to cheat, at least make it worth your while, saving a few hundred a year to not put yourself as occasional driver and then get into an accident to screw you over for life.

real bright you are.

Um... PC knows there are 2 other licensed drivers in my household, but they don't care (I guess you missed that).

I was actually trying to say: wouldn't you find it kinda hard for another licensed driver to get into an accident if they don't ever drive your car? I think it would.

So why pay higher premiums by listing them in your insurance when they're never gonna touch your car?

[gilboman]

Um... PC knows there are 2 other licensed drivers in my household, but they don't care (I guess you missed that).

I was actually trying to say: wouldn't you find it kinda hard for another licensed driver to get into an accident if they don't ever drive your car? I think it would.

So why pay higher premiums by listing them in your insurance when they're never gonna touch your car?

if they don't care, then why would you not tell them? just because they do not care (As you think), doesnt mean you don't tell them. that's like comming back from the US and saying you bought nothing when you have XXX amt even if they may not care.

if they don't EVER drive your car (which the op says is NOT the case), then you sign a waiver comfirming that fact.

you can not just not tell them.

[gman]

Um... PC knows there are 2 other licensed drivers in my household, but they don't care (I guess you missed that).

I was actually trying to say: wouldn't you find it kinda hard for another licensed driver to get into an accident if they don't ever drive your car? I think it would.

So why pay higher premiums by listing them in your insurance when they're never gonna touch your car?

Because if you get into a big accident, say, something that costs a million dollar such as you run into a bus stop. The insurance may investigate it. It is not hard to find out you have a wife, a mother, a brother, or whoever living in the same household and they have a driver license since X years ago. In a good situation, you are just flagged for the future. Since you are more or less can't get insurance after that accident anyway, this may not be 'that bad'. In the worst case, they void your policy and you need to deal with the damage without insurance.

[gilboman]

Because if you get into a big accident, say, something that costs a million dollar such as you run into a bus stop. The insurance may investigate it. It is not hard to find out you have a wife, a mother, a brother, or whoever living in the same household and they have a driver license since X years ago. In a good situation, you are just flagged for the future. Since you are more or less can't get insurance after that accident anyway, this may not be 'that bad'. In the worst case, they void your policy and you need to deal with the damage without insurance.

if your policy gets cancelled because of insurance fraud, you wont be able to get insurance anywhere else outside of facility insurance most likely.

[chachu]

Got a quote from BelAir Direct online which is surprisingly lower then what i am paying for self ,whereas Belair is quoting both of us with lower price,Any experiences with BelAir.?

Secondly for State Farm if you are calling the agent quote is going up by 40 dolors as to what is being given online ,no clue.

RBC sucks they wana keep my last deposit + 20 on top to cancel my policy otherwise start paying 100 more to keep going if i have to include my spouse.:mad:

[gman]

Got a quote from BelAir Direct online which is surprisingly lower then what i am paying for self ,whereas Belair is quoting both of us with lower price,Any experiences with BelAir.?
One of the insurance in my list to call every year. I had them before. I never made a claim. They did not beat RBC this year.

Secondly for State Farm if you are calling the agent quote is going up by 40 dolors as to what is being given online ,no clue.

Besides online quote from most company is not accurate, involving an agent means commission.

RBC sucks they wana keep my last deposit + 20 on top to cancel my policy otherwise start paying 100 more to keep going if i have to include my spouse.:mad:

If you have reported that to the insurance company in the beginning, you would not have this issue.

[ES_Revenge]

Um... PC knows there are 2 other licensed drivers in my household, but they don't care (I guess you missed that).

I was actually trying to say: wouldn't you find it kinda hard for another licensed driver to get into an accident if they don't ever drive your car? I think it would.

Makes sense to me. I don't think they'd have any legitimate grounds to cancel your auto insurance or void a claim which has nothing to do with the other driver. I can see if the claim involved the other driver then sure, that's not exactly covered.

But them saying your claim is void because you had another driver in your house which had nothing to do with the car or claim? A little ridiculous. It's like saying if you had a dog or a TV at home that you didn't tell them about, it would cancel your car insurance :rolleyes:

if they don't care, then why would you not tell them? just because they do not care (As you think), doesnt mean you don't tell them. that's like comming back from the US and saying you bought nothing when you have XXX amt even if they may not care.

if they don't EVER drive your car (which the op says is NOT the case), then you sign a waiver comfirming that fact.

you can not just not tell them.
Uh why not? If they don't ask you and you never sign anything that says you don't have any other drivers in the house, then why would you tell them? Would you also have to tell them about other irrelevant things like what you're going to have for dinner that night? LOL.

If they already know they wouldn't ask you and if they don't ask you, you wouldn't need to tell them anything. If you never sign anything that says you guarantee there are no other drivers in your house, it doesn't mean anything even if they do ask you and you tell them no either. Because what are they going to say, "you said there are no other drivers" :rolleyes: Oh yeah that'll hold up well against the simple "no I didn't". There's no proof either way.

Now if your policy has a section where you must state all other drivers in your house, or a specific section that says you agree/certify that there are no other drivers in the house and you sign it, then that's a different story I guess.

[gilboman]

Uh why not? If they don't ask you and you never sign anything that says you don't have any other drivers in the house, then why would you tell them? Would you also have to tell them about other irrelevant things like what you're going to have for dinner that night? LOL.



they always ask. if you actually bothered to read the post i was responding to you would understand the context of it.

[k4kman]

So is this infact a Ontario Law? what LAW? it's a rip my common law wife who infact just got here G2 two days ago and sure enough my insurance said the same thing and ended up costing me $400.
lets just hope she even drives the tuck 4 times this year lol as I have a pickup truck she is scard to drive it.

It's funny my frind next door can drive barrow my car all the time and yet I don't pay for him to be on my insurance?

[rems]

So is this infact a Ontario Law? what LAW? it's a rip my common law wife who infact just got here G2 two days ago and sure enough my insurance said the same thing and ended up costing me $400.
lets just hope she even drives the tuck 4 times this year lol as I have a pickup truck she is scard to drive it.

It's funny my frind next door can drive barrow my car all the time and yet I don't pay for him to be on my insurance?

it's because in the insurance wordings, anyone who has reasonable access to your car and reasonable expectation that they are allowed to drive your car, has to be under your policy. Because if they were to get into an accident, your insurance policy would cover them.

You can sign a waiver that says that they won't drive your car and they won't be charged the premium. But if they do drive and get into an accident, it will not be covered.

[SpillOnAisle9]

It's funny my frind next door can drive barrow my car all the time and yet I don't pay for him to be on my insurance?

Watch that...when you lend your car, you lend your insurance. If he is at-fault
in an accident with your car, your rates will be affected

[COSMIC5]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

As soon as you get your G1, your parents have to advise their insurance company....

[COSMIC5]

So is this infact a Ontario Law? what LAW? it's a rip my common law wife who infact just got here G2 two days ago and sure enough my insurance said the same thing and ended up costing me $400.

lets just hope she even drives the tuck 4 times this year lol as I have a pickup truck she is scard to drive it.

It's funny my frind next door can drive barrow my car all the time and yet I don't pay for him to be on my insurance?

Thats because your friend does not live in the same household as you.

[COSMIC5]

Makes sense to me. I don't think they'd have any legitimate grounds to cancel your auto insurance or void a claim which has nothing to do with the other driver. I can see if the claim involved the other driver then sure, that's not exactly covered.

But them saying your claim is void because you had another driver in your house which had nothing to do with the car or claim? A little ridiculous. It's like saying if you had a dog or a TV at home that you didn't tell them about, it would cancel your car insurance :rolleyes:


Uh why not? If they don't ask you and you never sign anything that says you don't have any other drivers in the house, then why would you tell them? Would you also have to tell them about other irrelevant things like what you're going to have for dinner that night? LOL.

If they already know they wouldn't ask you and if they don't ask you, you wouldn't need to tell them anything. If you never sign anything that says you guarantee there are no other drivers in your house, it doesn't mean anything even if they do ask you and you tell them no either. Because what are they going to say, "you said there are no other drivers" :rolleyes: Oh yeah that'll hold up well against the simple "no I didn't". There's no proof either way.

Now if your policy has a section where you must state all other drivers in your house, or a specific section that says you agree/certify that there are no other drivers in the house and you sign it, then that's a different story I guess.

Actually its right on the auto application..."any other drivers in the household"...if you answer "no", that is considered "misrepresentation"....or "non disclosure"

Also, some insurance companies won't insure you for house insurance if you own a vicious dog...

[hightech]

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

If you don't know the law, or want to partake in insurance fraud that is your business. please don't give other people the wrong idea or information.

It is your responsibility to read the terms of your insurance agreement. I have had a few policies and they ALL stated very clearly that if there are any other licensed drivers in the house, that you have to let them now.

As you know with all insurance, if nothing happens and the company gets the $$, they are happy. If there is an accident and personal injury and investigators are called, it is their job to make sure you followed everything according to the terms of the policy. If you don't report drivers, or try to hide stuff, they can construe this as misrepresentation or failure to disclose etc., and can decline your insurance policy coverage. You would then be held liable to all costs as a result.

[COSMIC5]

One of the insurance in my list to call every year. I had them before. I never made a claim. They did not beat RBC this year.

Besides online quote from most company is not accurate, involving an agent means commission.


If you have reported that to the insurance company in the beginning, you would not have this issue.

commission is factored into your premium when you don't use an agent...so you pay one way or another...

[COSMIC5]

Um... PC knows there are 2 other licensed drivers in my household, but they don't care (I guess you missed that).

I was actually trying to say: wouldn't you find it kinda hard for another licensed driver to get into an accident if they don't ever drive your car? I think it would.

So why pay higher premiums by listing them in your insurance when they're never gonna touch your car?

It is your responsibility to tell your insurance company of any change in information supplied in your original application for insurance such as additional drivers. If you fail to meet your responsibilities, claims under this policy, with the exception of certain accident benefits, may be denied.

[COSMIC5]

Is it true.? I was told today by Insurance Rep that I have to report of any body living in house hold with a valid License ,in spite of the fact they drive or not .
My wife is not driving or will be a ocassional driver if they insist ,but the insurance co wants her License details and will jack up my premium by 100 dollars a month.
Any suggestions:confused:

yes that is true in Ontario.

[COSMIC5]

Um... just don't tell them.

The only way they'll find out if there is another licensed person in the same household is if they send an agent out to investigate (not likely) or someone rats you out.

I'm with PC Insurance and they don't care about other licensed drivers in my household (2)... hell... my mother's with PC too with the same address and everything but our premiums are dirt cheap still.

You have the responsibility to advise each others insurer of each others insurance company and policy #.