Occassional driver of a different address
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
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! FREE Auto Insurance QuotesOther Pages of Interestcar insurance in Ontario Canada Car Insurance CanadaCar Insurance Quote CanadaAuto 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