Mother's insurance asking me to sign "excluded driver form" - please advise

[YakiSOBA]

Hi RFD!

Could anyone please give me some insight on my situation:

I'm 27, and had my Ontario license since I was eligible (G1 when I was 16). Did all my other tests and had my full G license when I was 17 or 18. Had a perfectly clean record until 2 years ago (25 years old) when I hit a streak of bad luck (3 tickets that year). I did not contest any and simply paid them outright (not sure if this affects insurance).

I lived at home while all this happened. Insurance company then sent a letter to my mother (whom I'm insured under) which stated we both needed to sign a driver exclusion form and that I was not to touch any of her cars. On the form it clearly stated something along the lines of "If you sign this, you acknowledge that it may be harder for you to get insurance in the future and costs will likely be higher". If I didn't sign it, they wouldn't continue insuring my mother.

So I signed it, and after that point I was no longer insured on anybody's insurance. I left to Hong Kong for a year after that (age 26) for work, and now I've returned to Canada. I now live in a different city for work, and plan to get insurance for my own car at some point. At the moment, I still have zero car insurance and I've read that insurance companies will charge higher if there is ever a "break/moment where you stop buying insurance" in your insurance history.


My questions are:
1) Am I going to be grossly f*cked over now?
2) There was a change in my mother's policy and I have to sign the same form again (now in 2012), should I still sign it? Is there anything we can do?

Thanks for any help and advice!

-y

[tutchio]

You know theres more then one insurance company your mom could of changed insurance instead of putting you in such a bad situation good luck now to get insured

[spike1128]

You know theres more then one insurance company your mom could of changed insurance instead of putting you in such a bad situation good luck now to get insured

Regardless. The insurance company told him to sign it because they no longer want to insure him. If he was not under his mother's policy, his own would have been terminated by the insurance long ago. Hence he needed to go facility route regardless. Whether his mother change companies or not, the outcome would have been the same. His mother goes to other company for policy, he will still not be able to be insured. The tickets/charges => high risk driver.

Not sure if any insurance company will take him, if he is in/near his original province. I think if he was in BC, but he used to live in ON, it's wouldn't be an issue. The OP would have to get quotes to see if his original charges are still on record or it's been dropped. Since he say he got charged at 25, worked in other place at 26, come back after 1 year. I doubt it's off the record yet, I think it's 3 years or 5 years before it gets off his record.

[Pete_Coach]

I think your record remains with you. It is not a matter of getting "grossly f*cked over now". It is a matter of doing the crime and paying the fine. Insurance companies have long memories and better records. Your tickets will come off your insurance liability over time.
Get a broker and let them find the best deal for you. I deal with Pentagon here in Ottawa and others have said good things about Mantha.

[Canuck2fan]

Another example of why people who post on here about what "they" feel are unjust situations with an insurance company should at the same time forward the thread to their MPP, and also tell their MPP the auto insurance industry is out of control in this province... Ontario NEEDS auto insurance reform but until the pols are pressured into it they aren't going to tackle this problem, because they are afraid of the money that will be put against them if they dare to speak out.

As for your situation... You have two things against you. Your record is bad, and you have a gap both of which any insurance company can and will hold against you. All you can do is shop around and find with the cheapest rate you can find. Time will help both situations but only if you don't have any more tickets or accidents so be careful out there.

[COSMIC5]

really? who? Most companies would insist on the opcf 28a, excluded driver form.... not many would insure her with someone living in same household with that record.
You know theres more then one insurance company your mom could of changed insurance instead of putting you in such a bad situation good luck now to get insured

[COSMIC5]

3 yrs for convictions, 6 for lic suspensions
Regardless. The insurance company told him to sign it because they no longer want to insure him. If he was not under his mother's policy, his own would have been terminated by the insurance long ago. Hence he needed to go facility route regardless. Whether his mother change companies or not, the outcome would have been the same. His mother goes to other company for policy, he will still not be able to be insured. The tickets/charges => high risk driver.

Not sure if any insurance company will take him, if he is in/near his original province. I think if he was in BC, but he used to live in ON, it's wouldn't be an issue. The OP would have to get quotes to see if his original charges are still on record or it's been dropped. Since he say he got charged at 25, worked in other place at 26, come back after 1 year. I doubt it's off the record yet, I think it's 3 years or 5 years before it gets off his record.

[stupidducky]

Not to thread steal but I was also forced to sign one of these things for my mom, or they would not insure her although I do have a clean record, and have had my G for 2 years and I am currently listed as an occasional driver with my in-laws, my older sister was also forced to sign one who is turning 25 but I guess it doesn't really matter because she now has her own insurance for her own car.

will this affect me in the future when I try to look for my own insurance?

[COSMIC5]

nah, if you're currently listed on inlaws policy then you should be fine -insurance companies only request a signed 28a if someone in the household has a terrible driving record/history...


Not to thread steal but I was also forced to sign one of these things for my mom, or they would not insure her although I do have a clean record, and have had my G for 2 years and I am currently listed as an occasional driver with my in-laws, my older sister was also forced to sign one who is turning 25 but I guess it doesn't really matter because she now has her own insurance for her own car.

will this affect me in the future when I try to look for my own insurance?