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:

FREE Auto Insurance Quotes


Other Pages of Interest
High risk insurance Ontario
car insurance in Toronto Ontario
car insurance in Ontario Canada
Car Insurance Canada
Car Insurance Quote Canada
Auto Insurance Questions

Or Ask another question at Ontario Auto Insurance Questions and Answers

Note: 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. 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. Make sure you review the "please read" page.

www.canada-insurance-source.com

Click here to post comments

Join in and write your own page! It's easy to do. How? Simply click here to return to Your Ontario Auto Insurance Questions.

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

Compare insurance quotes through Kanetix.ca - save time and money!