auto insurance

by Ayan
(Mississauga, Canada)

Is it possible for me to get auto insurance alone without my husband. my husband is the owner of the car.But in the past 2 years he has 2 at fault accidents and 2 tickets with the same accidents, so because of his driving record our monthly premium has risen up to $800 which is not affordable. Help me find a solution as we have got 3 kids and keeping a car is our necessity.

Policy Without Husband


It will be very difficult, if not impossible to keep him off the policy. Perhaps if you put the car in your name, exclude him from the policy, you might be able to. But I doubt it. If he dropped his license it might be possible as well. But it will be difficult or impossible. Try shopping around.

Please be sure to discuss this further with a licensed insurance representative.

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Jun 12, 2012
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Uninsuring ur husband? YES
by: Al

Yes, u can take ur husband off ur insurance policy, and as lo g as he's over the age of 25, he (or any other driver) is covered in any vehicle with valid insurance. You may have to stretch the truth for your reasoning to do so. A friend told her insurance company that she and her husband had separated so he was taken off the policy. They had the car transferred to her name before doing so. Good luck from an ex Insurance Broker.

Nov 02, 2011
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Repsonse
by: Anonymous

In order for you to insure a vehicle, the vehicle must be owned by you. If your husband owns the vehicle, most insurance companies require that the owner of the vehicle also be a listed driver. If your husband has to be a listed driver, his 2 at fault accidents will be rated for.

In otherwords, there is no way to exclude him from a policy if he owns the vehicle. Solution, have the vehicle registered in your name and request an exclusion for your husband: Endorsement OPCF 28A.

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Note: Always speak with a licensed insurance professional about your specific situation. This insurance information is general in nature and the policy wordings always take precedence. It is possible that there are errors and omissions in this website and www.canada-insurance-source.com, or its authors, take no responsibility.

Keep in mind that insurance licensing, legislation, and policies often vary by province and most certainly by country. Canada Insurance Source is a free information source. So use this site to gain a general understanding of insurance with your own area and situation in mind.  Make sure you review the "please read" page. Always speak with a licensed insurance professional about your specific situation.

Always speak with a licensed insurance representative about your specific situation.

This site is general in nature and there may be errors or ommissions

Please Read

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