By Law Reporting Drivers for Auto Insurance.?

[chachu]

Is it true.? I was told today by Insurance Rep that I have to report of any body living in house hold with a valid License ,in spite of the fact they drive or not .
My wife is not driving or will be a ocassional driver if they insist ,but the insurance co wants her License details and will jack up my premium by 100 dollars a month.
Any suggestions

[gilboman]

All licenced drivers in a household needs be reported to the insurance company whether they drive or not. unless you sign a waiver specifying so and so will NEVER EVER drive the car. but i'm not sure if all insurance company give you the option of signing this waiver

[professionaldude]

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

[gman]

Is it true.? I was told today by Insurance Rep that I have to report of any body living in house hold with a valid License ,in spite of the fact they drive or not .
My wife is not driving or will be a ocassional driver if they insist ,but the insurance co wants her License details and will jack up my premium by 100 dollars a month.
Any suggestions

Yes, you have to do that in Ontario.

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

You care if you have an accident and they reject your claim because of that. And, it is easy to prove too.

[CSK'sMom]

I think u probably call RBC or CAA. Well if they ask just say it u don't have other driver. who cares if u have any other drivers at home.

That's a great way to get yourself blackballed with insurance companies and end up with with premiums that will cost you so much that you won't be able to afford to drive. That is considered insurance fraud.

chachu, as long as your wife holds a valid license she has to be listed on the insurance policy. There are a few companies that allow the waiver but if she ever sits behind the wheel, even in the case of a dire emergency, you will be subject to immediate cancellation of your policy. You will then be considered guilty of insurance fraud (read above). Either pay the increased premium or tell your wife to turn in her license...

[thephenom]

Shop around, it shouldn't cost an extra $100 per month to add a female driver!

[Jucius Maximus]

Shop around, it shouldn't cost an extra $100 per month to add a female driver!

Unless she has convictions.

[AudiDude]

This same thing happened to my sister. Her insurance company wanted $350 more because I was living in the same house. My sister flipped out stating that she drives a crappy car and that I own three premium/luxury cars and have no reason to use her car. She called the Insurance Bureau of Canada and they called her agent (Scottish and York) and had a discussion with them. When it was all said and done, she was told there was a computer glitch and they really didn't require the $350 they were so sure they needed before. Neither of us had any tickets or accidents at the time (sister developed a lead foot later on in life). My mom was on my insurance for free.

[KanDaMan]

I was told the samething when my sister got her licence. We were shopping around for insurance and one of the reps we talked to asked us if there was anyone else in the house with a drivers licence, I said my sister. She said its illegal not to report her and that we could get blacklisted by insurance companies if we fail to report anyone in the house with a valid drivers licence.

Only ways around it is either: pay the extra, cancel the licence, sign the waiver, move out of the house or better yet just change the address on your licence to something else - perhaps to a friends who doesnt drive and/or has a licence.

Sort of sucky but what can you do. The insurance companies in Ontario have us by the balls.

[chachu]

How about Bel Air i took their quote is half of my current insurance co includes my spouse,only problem i am only in third month of renewal,now they will charge more for terminating it,,?
Anyone with BelAir ,how good is it.?

[preshans]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

[gilboman]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

of course!! as long as there's a chance you will drive it, you need to be insured.

[BuildBuyBreed]

Um... just don't tell them.

The only way they'll find out if there is another licensed person in the same household is if they send an agent out to investigate (not likely) or someone rats you out.

I'm with PC Insurance and they don't care about other licensed drivers in my household (2)... hell... my mother's with PC too with the same address and everything but our premiums are dirt cheap still.

[new_vr]

wtf? so when i get my g2, I have to be INSURED under my parents' policy even though I'd rarely drive the car?

yes you do, but it will pay off later. You will get cheaper insurance based on how long you have had your insurance

[gilboman]

Um... just don't tell them.

The only way they'll find out if there is another licensed person in the same household is if they send an agent out to investigate (not likely) or someone rats you out.

I'm with PC Insurance and they don't care about other licensed drivers in my household (2)... hell... my mother's with PC too with the same address and everything but our premiums are dirt cheap still.

oh great..another person who thinks insurance fraud is the way to go. if you are going to cheat, atleast make it worth your while, saving a few hundred a year to not put yourself as occasional driver and then get into an accident to screw you over for life.

real bright you are.