Do I have to list all additional drivers for auto insurance in Ontario?

Question

I am shopping for auto insurance and noticed that if I include my wife and son in the quote, the insurance jumps from $1600 a year to $3100. That's almost double and none of them have any accidents or anything. If I don't include them as secondary drivers, can they still drive the vehicle and be insured? And if not, does that mean that every family in Ontario must list all family members that MIGHT drive the vehicle? Answers are MUCH appreciated.

Answer 1

yes you have to list them, because if you don't list all licensed drivers living in the household, and you have an accident, the insurer can deny the claim based on non-disclosure of information. If you don't wish your rates to go up, you could always have an excluded driver endorsement, but this is not really recommended because what if they absolutely need to drive the vehicle in an emergency...there would be no coverage.

If your wife and son have their own automobiles insured elsewhere, or say your son is listed on your wife's policy, your company would likely not charge for him on your policy. They will just require proof that they are insured elsewhere.

Or, if that's not the case, how about listing both, but having your son pay for his share of the premium? If he's listed on your policy, it will be to his benefit in the future, because he'll maintain a continuous insurance record, which will save him tons when he decides to buy his own Mustang.

Answer 2

Yes you would, as asked by your insurers.
Call an agent or see a website.
I prefer this one:
http://car.insuranceaskingprice.com/Canada.htm











RE:
Do I have to list all additional drivers for auto insurance in Ontario?
I am shopping for auto insurance and noticed that if I include my wife and son in the quote, the insurance jumps from $1600 a year to $3100. That't include them as secondary drivers, can they still drive the vehicle and be insured? And if not, does that mean that every family in Ontario must list all family members that MIGHT drive the vehicle? Answers are MUCH appreciated.

Answer 3

If you don't include them, they CANNOT drive the vehicle. If they have an accident while driving the vehicle your insuance company can refuse to pay and you would be personally liable for any damages. Plus, your insurance carrier may choose not to renew your policy.

In Ontario, you must list all family members, living under the same roof, that may drive the vehicle. Only way around this is to ensure a family member not listed on the policy DOES NOT HAVE ACCESS to the keys for said vehicle.

Answer 4

I don't believe insurance is much different there than in the States. Here, all drivers or potential drivers (immediate family) must be listed. If they are not listed, they are not covered. Some companies are selling policies to cover anyone who drives the car. I am not familiar with the restrictions though.

Answer 5

That's a tricky question..