Occassional driver of a different address

by Chanelle
(Brampton)

As a favor to my 22yr old brother who lives in another city, my father called our insurance broker to get a quote on adding him on as an occasional driver so he can get some "insurance experience." there are only 2 drivers in my household and 2 cars - my father is the primary for one and i am the primary for the other. The quote was ridiculously high because they quoted him as a primary driver of my car and me as the occasional, which didn't make sense because he doesn't live with us and I use my car everyday for work. They didn't fix the quote, then a few days later, we get a 28A endorsement in the mail that they want my brother to sign. We told them to mail it to his address, which they didn't. . A month later, we then receive a notice that our insurance will not be renewed because they don't have full disclosure on all the drivers in our household. Can they legally do this?


Insurance Canceled at Renewal


Hi Chanelle,
If your insurer believes that you are not giving full disclosure, I believe that they can do this.

The insurer is obviously confused that a driver would be added, and then it would be claimed he doesn't live in the house or drive the car (which is why they would send the excluded driver endorsement). I'm not sure why you wouldn't have had your brother sign the endorsement, surely you see him more than the insurer does? Sorry for the sarcasm, it's your responsibility, not the insurers to get the paperwork signed and submitted.

As for your brother being the primary driver, your insurer must have a policy that the "worst" driver be listed as primary.

I know your dad meant well. In many cases this is a way to get an inexperienced driver some "experience" from an insurance point of view.

Now it's time to shop around for a new auto insurer. Good luck!


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Jun 02, 2014
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Do any insurance companies in Ontario take foreign driving experience into consideration?
by: Anonymous

My wife just immigrated here and she has a perfect record from Indonesia. She brought a letter from the Jakarta Police Department stating that she has had no tickets or accidents since she obtained her Jakarta Licence 6 years ago. My current insurer does not want to consider this foreign experience at all and wants to consider her a brand new driver (1 star) and that brings my 7-star record down to a 4 star rating and increases my premiums retroactively by 50%. Are there any insurance companies that will take her foreign driving record into consideration?

May 10, 2011
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Broker
by: Anonymous

If the Brokerage thinks he lives in teh household or drives the car (as why you would be getting a quote) they can request him to be excluded as hes not paying premiums. call them back let them know he doesnt live in teh household. and that the quote was to be an Occasional driver as he is not primary and would barely drive it. if at this point they do not understand or refuse to be accomidating then look for a new insurance company. As this one sounds like they are giving you a hard time.

May 04, 2011
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Forced to add on someone who doesn't live there
by: Anonymous

Thanks for the feedback. I'm definitely going to take a look into the "worst driver" thing.
However, he lives, works and goes to school far away from us. He rarely visits. We have proof of this. Plus, how can it be our responsibility for him to sign when he actually does not reside with us? We cannot force an adult to sign a form that was not addressed to him. Wouldn't this mean that insurance companies can do this with all their customers? I was added as an occassional driver to my aunts policy when I didn't live here - his next step would be the same. So How would this exclusion affect his rates with another company?

From canada-insurance-source.com The exclusion will not affect his rates elsewhere, positive or negatively.

Insurers use the OPCF28A when a customer insists that someone will not be driving. In your case, your brother was added, the quote was high, and then you said he would not be driving. This raises suspicions as the insurer has to wonder what is the truth, will he be driving or not?

Asking you, the policyholder, to get the paper signed is much simpler for the insured than chasing after a person who is not a client.

Anyhow, this is certainly a frustrating situation for you and your dad. Your dad was only trying to help. But there are real consequences as any insured could be the next person to cost the insurer a $2,000,000 liability claim. That's why they want to know who each driver is on the policy, and who isn't.



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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

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