Cancelling my insurance

by Mike
(Hanover, Ontario, Canada)

I don't drive my car anymore.


Do I have to get rid of my car (sell) in order to cancel my insurance or can I own the vehicle, uninsured, but not drive it?

And, if I cancel my insurance what do I have to do if I want to be insured later but not have my record show a lapse of insurance (because I didn't own a car). Is there any way to put my insurance on vacation?

Not Driving and Insurance


Hi Mike
You can cancel the insurance any time. Just be sure not to drive it anywhere without putting coverage back on.

To "get around" a break in coverage, ask a family member if you can be listed on their policy so that you have continuous insurance history.

Hope that helps!

My brother recently died and his car is insured. His spouse does not have a drivers licence. Will we be able to carry on with the insurance in his name and the title or is that illegal. The insurance is valid for 9 more months.

Deceased Brother's Car Insurance


Hi there,
You should call the auto insurance company and let them know. They will put the car into the "estate of" your brother and will want to list the drivers of the vehicle on the policy.

Some insurers might not like this situation. But it's always best to have the conversation.

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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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