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Does Every Driver In The Household Need To Be Registered Under The Automobile Insurance Policy (Ontario)? |
I talked to my insurance broker, and she said that every person in my household that will be driving my car needs to be registered as a secondary driver, otherwise they must sign that they will never be driving the car and insurance will be void if they did (she mentioned that it is section 28A if I remember correctly). I have never heard of such ridiculous policy - which adds a $1000 per year on my premium. Was she just trying to bump up the cost of the policy, or is there really such a law in Ontario?
| Answer: Most insurance companies do require that residents of the named insureds household be named as drivers on the policy or be named on a driver exclusion form. So she's not trying to bump up the cost of the policy. She's just having you do whats required by the insurance company. It's a common practice in insurance. |
Such a move would dramatically increase the cost of auto insurance for drivers outside of the GTA and have an especially negatively impact on drivers in rural and northern Ontario, who currently benefit from residing in areas of the province that are