Premiums for wife skyrocket after husband has accident and loses license


(Toronto, On, Canada)

My mother's premiums have just tripled, since her husband (a senior) had an accident last year (blamed on medical reasons), resulting in him losing his license forever. They had 2 cars, but now only have 1, and she is the only licensed and insured driver in the household. She has a good record and has always had reasonable premiums. The husband had his own car, but they had them listed under the same policy. So now that her policy is coming up for renewal, the insurance company is penalizing her for her husbands incident last year, with her skyrocketed premium. Is this fair? Is this allowed? Should she seek out another insurance company or will her husband's incident affect her premium, no matter which insurance company she finds? She herself has never had a claim or accident, so she is being penalized for her husband's driving. What can she do?


Mothers Insurance Policy


Your mother should shop around. Her record should not be impacted by her husband's like this. If the car was in her name and the insurance was in her name that's a possibility. But try shopping around anyhow ...

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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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