Joint Auto Policy with Ex-Spouse

by Jennifer
(Ontario)

My ex-husband and I live separately but have a joint auto insurance policy that has our two vehicles on it and each of us is a primary driver for one vehicle and our two sons are occasional drivers on both vehicles. It has been ok for the last couple of years but now our insurance company is saying that if we are not living together we need to have separate policies - is this true? Why was it ok for two years and not now?


Separated, Separate Policies


Hi Jennifer
Yes, if you are split up and do not live together, you need separate policies. with respect to the second question, maybe the insurer didn't know until now. 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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