Is it mandatory to add licensed sibling to existing auto policy?

by Natalie
(Mississauga)

I recently asked my car insurance co to help me understand the cost (quote me) for my recently licensed (g less than one year)daughter to insure her own vehicle while living with me under the hypothetical pretense that she is looking at buying a used car and I suggested a "for example car". The response was such that they were unable to quote for lack of more specific info. OK fair enough. The problem begins when the person I am dealing with by email informs me that my daughter has been added as an occasional driver to my policy. In a followup telephone conversation I clearly explained that my daughter will never drive my car (its a stick shift and she doesn't know how to drive standard)and she will never drive it. This person insisted I must have her named on my policy at substantial cost to me or "come in to the office to sign a waiver". It seems odd to me that everything else I have ever required of my insurer can be done remotely except this. In fact I'm inclined to believe it's just manipulative to profit from this situation in the hopes that many will just not bother being inconvenienced by the "in person" requirement to sign this waiver.


I look forward to your response.

Excluded driver from Ontario car insurance


Hi Natalie

First of all, thanks for asking and providing plenty of detail.

This is a big issue in the Ontario auto insurance industry right now. The insurance carriers are having too many claims by drivers that they do not insure. By this I mean where there is a person living in the house driving an insured vehicle and the company has no idea this person is a driver ... until a claim comes in.

Because of this issue, the auto insurance companies in most provinces of Canada insist on knowing who every licensed individual in the household is. And most insist on listing them on the policy or excluding the driver.

Excluding a driver should be done with a signature. So your broker/agent is not out of line.

But I sure do understand why you are frustrated and feel that it is a money grab. The individual you are dealing with handled it in a less than direct way ...

Sorry for the bad news, maybe it's time to find a new insurance carrier? Try getting a quote here:

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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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