Automotive

How to sell uninsured car in Ontario?

  • Last Updated:
  • Jan 9th, 2018 8:56 am
[OP]
Jr. Member
Sep 19, 2008
120 posts
44 upvotes

How to sell uninsured car in Ontario?

My situation is as follows:

-Bought a car in Oct 2016
-Renewed sticker in Aug 2017
-Moved to a different area in Oct 2017 where I no longer needed to use the car regularly
-Oct 2017 realized that insurance was going to renew for another year, and rather than get locked in for another year, decided to cancel my renewal for Nov as I wasn't sure if I was going to be able to afford the insurance for another year. I figured I'd give it a month or so to see if my financial situation changes. Cancelled the insurance altogether to be safe as they would only let me wait 2 weeks or so before making me decide.
-Mid Nov 2017 insurance officially cancelled and car is sitting in the garage of my building, only being driven around the parking lot every few days. Still has it's license plate with a sticker valid until Aug 2018
-Dec 2017 financial situation wasn't going to change - can no longer keep the car any longer. Decide I should sell after all instead of calling and renewing w/insurance

Now I plan to sell the car as-is, since I can't drive it anywhere to get emissions testing and stuff, but with such a short time it's spent off the road I doubt it'll suddenly be deemed not road worthy or uncertifiable, so I don't want to just sell it to some scrapper for parts. Is there any way to get temporary coverage so that it can be legally test driven by prospective buyers? The only option I can think of is having a tow truck move the car, and I doubt many people are willing to do that to take it to their preferred mechanic.

Tl;dr: perfectly decent car has been off insurance for nearly 2 months but it's sitting in a garage with plate and valid sticker. How can a prospective buyer move it to get tested/test drive the car before buying
4 replies
Deal Expert
User avatar
Jul 22, 2006
22399 posts
3028 upvotes
It doesn't have to be insured to sell it..

Just don't take it out onto public roads (i.e NO TEST DRIVES)

When the car does get sold, the new owner can get the temp sticker, e-test and safety

http://www.mto.gov.on.ca/english/dandv/ ... used.shtml

Also you can return those plates for some money because the sticker's still valid :)
Deal Fanatic
Jun 26, 2007
5955 posts
1442 upvotes
???
You'll defiantly get less biters than normal if they can't test drive it.

But think of it this way, at vehicle auctions they don't let you test drive it either, they just start it and shows that it runs.

Also if a test driver gets into an accident it's your insurance and your liability so just be aware of the risk.

IF you still want to do it, call your current insurance company. Get a policy, and go to service ontario and get a TEMP plate or sticker if you still have the old plate.

Then you can legally drive it for that time span. Can go get it e-tested/safety etc. and do the test drives.

Once you sell it, cancel the insurance. You'll only pay for the amount of days you used on the policy.
Sr. Member
Sep 12, 2012
947 posts
827 upvotes
Toronto
Insure the car until you sell it. Just get the bare minimum basic insurance that covers collision and third party. You don't need theft, fire, comprehensive, etc. Cancel the insurance once you sell the car and you should only be charged for the number of days you had the car insured for.
Deal Fanatic
User avatar
Aug 11, 2008
9389 posts
1942 upvotes
Ontario
Basic bare minimum insurance would mean liability only. You cannot put collision coverage on without comprehensive coverage (fire & theft); however, you can put comprehensive coverage on without collision...
hamandcheese wrote: Insure the car until you sell it. Just get the bare minimum basic insurance that covers collision and third party. You don't need theft, fire, comprehensive, etc. Cancel the insurance once you sell the car and you should only be charged for the number of days you had the car insured for.
RIBO LICENCED INSURANCE BROKER, over 35 years experience

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