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View Full Version : car insurance vs. car registering


carinah
Sep 30th, 2008, 04:26 PM
I would be new to Ontario in November but needed to find out what the difference between getting the car registered & car insurance is.

Is it done at the same place at same time?

I heard about getting the car checked "safety standards certificate" and the "drive clean vehicle emissions pass report"

But what I want to know is what order should things be done in?

I drive my car to Ontario (my car would still be insured with another province's registration & insurance) now what comes next???

first: Get my driver's transferred to Ontario license.
second: ????? etc....

COSMIC5
Sep 30th, 2008, 05:24 PM
first and foremost, make sure if you are coming from either another canadian province or the USA to bring an insurance experience letter with you - this is imperative to obtaining insurance in ontario.

You will need to get the car registered in ontario and plated - (check with the local ministry of transportation office to find out what requirements you have to comply with) Once the vehicle is plated and registered in ontario you should be good to go to shop around for some insurance quotes. -Insurance is separate from the government offices - If you need a good company referral, message me and I'll give you someones phone # etc.

Any other questions, feel free to message as well and I'll see what I can do .. cheers

Broli's Mom
Sep 30th, 2008, 06:59 PM
Unlike Manitoba, vehicle insurance is not provided by the province. Obtaining a letter from the province of Manitoba with your insurance particulars is a good idea.

Once you move to Ontario, you will have 60 or 90 days to obtain an Ontario registration (ownership). However, you will have to do some 'legwork' prior to going to a licence issuing office to obtain your registration and licence plates.

You will need to obtain a Safety Standards Certificate (SSC) from a local mechanic, garage, dealership or Canadian Tire. The SSC is valid for 36 (calendar) days from the date of issuance.

Your car may also require an emission test certificate. If your car is an 08 or 09 model year, then you will not require one, otherwise you will. Ask the garage, mechanic, dealership or Canadian Tire can give you one as well. The emission test certificate is valid for 1 year from the date of issuance.

If your car is branded as salvaged, rebuilt or irreparable, then you will also need to acquire a Structural Integrity Certificate (SIC) - if the vehicle is branded irreparable, then you're out of luck, it can only be registered the same way in Ontario, meaning, it can only be used for parts and it not road worthy.

Call around and find insurance. Rates will vary from company to company, so compare rates with the same coverage and go for the cheapest one.

Once you have all of these, go to your local DriveTest Centre and exchange your Manitoba driver's licence for an Ontario driver's licence; bring your driver's licence and identification.

Finally, go to a Driver and Vehicle Licence Issuing Office with all of the documents above and your Manitoba registration and obtain your vehicle ownership and licence plates.

carinah
Oct 2nd, 2008, 10:46 AM
Wow that is alot of very valuable information!

Thanks so much Comic5, Broli's Mom

By the way where are you two located?

COSMIC5
Oct 2nd, 2008, 11:42 AM
You are most welcome! I'm in the Halton area. If you need a good insurance broker IM me ... cheers!

maniacshopper
Oct 3rd, 2008, 07:50 AM
in order for you to register the car and get plates and stickers. You need will the insurance policy # and the odometer reading. They will ask you those info on the registration form. Without the insurance policy#, you will not be able to get the sticker for your plates.

carinah
Oct 3rd, 2008, 10:15 AM
in order for you to register the car and get plates and stickers. You need will the insurance policy # and the odometer reading. They will ask you those info on the registration form. Without the insurance policy#, you will not be able to get the sticker for your plates.

so in short the steps are:

1- get my current driver's license switched to Ontario driver's license
2- shop around for the insurance policy and get it insured (though before successfully getting it insured I would need to have the "Safety" inspection and the "DriveClean" inspection done first.
3- next go and "register" my car

would that basically be the steps I should go by??

thanks for your input!!! :D