Can insurance companies check all drivers in houehold

by Kelly
(Toronto Ontario)

Is it LAW in Ontario that auto insurance brokers can check ALL driving records of resudents of a home living under the SAME roof, and have ONE persons' auto premiums affected? If so, this is RIDICULOUS. I am asking on behalf of a friend, and his rates went up because his wife had a previous car accident four years ago.His rates went up ONLY when when he had a non-payment happen, and the accident was then discovered, by seeing a letter of experience, so he had to find another insurance company. What does it matter what the driving experience is of OTHER people in the household , when THEY wont be driving that vehicle anyhow? Is this some NEW law in Ontario? Do all insurance companies follow this? This is causing incredible strain on this couple, and why cant the wife and others in the household simply sign a waiver to NOT drive this insurers vehicle? I hope this is NOT law. CAN anyone help me ASAP and let me know about this. Thanks, Kelly


Checking the Driving Records of Other Drivers


Hi Kelly,
This has been the practice of the Ontario auto insurance companies for a long time. The reason being is that in most cases all residents of the home have access to the vehicles and are likely to drive any car in the house.

There is a rider that can exclude drivers from the policy called OPCF28A. Once signed, the excluded driver can not drive the car under any circumstance as there is no coverage for them. Then the rates are not affected by the excluded driver.

Please be sure to discuss this further with your insurer or with any new insurer. Oh, and by the way, are your rates too high? Check here:

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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

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