High risk driver

by Leo
(Toronto, ON, Canada)

Hi, my wife was dropped from her insurer because of 3 tickets convictions, she was the owner and primary driver and I was the occasional(clean record) on the policy, she recently became pregnant and we've decided that she will no longer drive. my question is which of the following actions would help me get the most reasonable quote at this point: having her sign a waiver, transferring ownership to me and put her as secondary? would transferring ownership help at all in our situation? if she does not drive or she wishes to be the occasional driver, would the two of us still be considered high risk solely because of her convictions?

High Risk Driver in Household

Hi Leo
This is a tough one.

The rates will be a bit better if you are the primary and she is occasional, but not a lot better.

You might be able to get her excluded from the policy for a couple of years if the car ownership is in your name. But then she would never be able to drive the car legally.

An even more extreme idea is to have her give up her license altogether. But she'd be starting all over again in a few years when she go her license again. That's not an optimal situation.

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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