Do I have to be on my wifes auto insurance policy

My wife is looking to buy a brand new car. Right now I have a company car and she does not have a car. I have had one 3 month license suspension almost 4 years ago. Related to this 3 month suspension I took a careless driving conviction in Jan 2009. This is just going to be her car and due to my past if I am on the insurance policy it will make the rates almost 4 times greater than just her being on the policy. Can she have this car insured under her name only or do I have to be on the policy.


Thanks

CM

Listed on Wife's car


Most insurers will insist that you are licensed on the policy. You might be able to be excluded by way of an OPCF28a which means that you can never drive the car and you won't be rated on the policy.

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

Please Read

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