Automotive

Why do we need to pay car insurance for all family members?

  • Last Updated:
  • May 20th, 2017 10:42 am
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Mar 23, 2008
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Edmonton
rsang39 wrote:
May 18th, 2017 9:53 am
Not to sound rude but $900 a year is still $900 a year. That's money that could be spent or saved elsewhere. I totally what you're saying though, but I think to say that just because it's only $900 a year he shouldn't be complaining is a bit crude especially when you don't know OP's financial situation.
$900/year for car insurance is dirt cheap. Cheaper than a bus pass. Which would be the best bet, if that's too expensive.

C
Sr. Member
Apr 30, 2015
891 posts
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East York, ON
bomber17 wrote:
May 17th, 2017 1:38 pm
Come to BC, we don't have that rule here. You can have occasional drivers driving as long as they're not driving majority of the time.
Same with Alberta. My friends wife just got her license and they were shocked their premium didn't go up at all.

Sask doesn't even list drivers. As long as you're licensed you can drive it pretty much. Just OOP/non resident can't for more than 90 consecutive days it says on my registration.
Member
Jan 17, 2009
284 posts
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Toronto
Biskuits wrote:
May 18th, 2017 9:50 am
The issue with this thread right now is that it's discussing both BC and ON insurance simultaneously.

Take a look at your policy. If your wife is listed on the policy as an occasional driver and being charged for it, it will tell you in the premium breakdown. And yes, you can ask for what is called an OPCF28A to exclude her as a driver on your policy.
thanks!
[OP]
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Dec 10, 2004
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Thornhill
nasa25 wrote:
May 17th, 2017 10:43 am
Can't you just take her off your insurance? She will have to sign a waiver stating that she will not drive the car though.
I will ask for this option as the insurance broker didn't mention it. Though not sure it's the best solution.
[OP]
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Dec 10, 2004
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Thornhill
yah, it's 900/year :) 900/month is roughly what one would pay for a Lamborgini.
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Jul 17, 2008
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CanadaMaple wrote:
May 18th, 2017 10:16 am
Same with Alberta. My friends wife just got her license and they were shocked their premium didn't go up at all.

Sask doesn't even list drivers. As long as you're licensed you can drive it pretty much. Just OOP/non resident can't for more than 90 consecutive days it says on my registration.
This. Only Ontario land gets **** when it comes to car insurance (and hydro bills). Then again, it has one of the lowest income taxes so you win some, lose some.
Last edited by Mars2012 on May 19th, 2017 2:14 am, edited 1 time in total.
Reason: reported/bypassing swear filter
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Oct 16, 2007
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dazz wrote:
May 19th, 2017 1:46 am
I will ask for this option as the insurance broker didn't mention it. Though not sure it's the best solution.
How is it not the best solution when she hasnt driven in years? Pocket the extra $900/year and teach her how to use uber if she ever needs to go somewhere in an emergency. If for some reason she wants to drive again, call up insurance and pay again. Though with a gap in covereage odds are that it will be more than $900 if it ever comes to that time.
- Insert Soemthing here so you will be able to recoginze me.
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dazz wrote:
May 19th, 2017 1:50 am
yah, it's 900/year :) 900/month is roughly what one would pay for a Lamborgini.
Then what are you complaining about? That's less than I pay for myself, here in Alberta. I suspect you're paying very little if any for your wife to be on your policy.

C
Last edited by CNeufeld on May 19th, 2017 7:47 am, edited 1 time in total.
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Oct 6, 2007
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Kootenays
Should be an RFD rule that if OP starts a thread and doesn't revisit it for 2 days, especially after it has some questionable statements, they should not be allowed to start new threads for a probation period. At least proof-read your threads! :facepalm:
Sr. Member
Apr 30, 2015
891 posts
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East York, ON
Messerschmitt wrote:
May 19th, 2017 2:14 am
This. Only Ontario land gets **** when it comes to car insurance (and hydro bills). Then again, it has one of the lowest income taxes so you win some, lose some.
Yeah but for Ontarians, we seem to lose more than win them. (I'm no longer an Ontarian but it's still home to me, lol.)
Last edited by Mars2012 on May 19th, 2017 2:09 pm, edited 1 time in total.
Reason: edit in quote
Sr. Member
Jun 13, 2009
858 posts
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Shop around for rates when you approach your renewal date. Also, if you didnt get any tickets and your rate went up the following year, give your agent a call to see if they'll lower it. Worked for me...
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