Which driver's abstract does insurance companies check?

Which driver's abstract does insurance companies check?

Driver’s licence history
0
No votes
3-year extended driver’s record
1
100%
5-year driver’s record
0
No votes
Extended driver's record search (10-year extended)
0
No votes
Complete driver’s record
0
No votes
Driver’s licence checks (what does this even entail exactly?)
0
No votes
 
Total votes: 1

HTANub
Newbie
Newbie
Posts: 3
Joined:

Which driver's abstract does insurance companies check?

Unread post by HTANub on

I understand there is multiple driver's abstract checks available.
Which one does insurance companies look at usually when applying/renewing a policy?

From: (https://www.ontario.ca/driving-and-road ... ers-record)

1) Driver’s licence history
(includes proof of beginner driver education course completion)
Certified: $18
Uncertified: $12

2) 3-year extended driver’s record
(includes current address and all suspensions, reinstatements and convictions)
Certified: $18
Uncertified: $12

3) 5-year driver’s record
(with or without address)
Certified: $18
Uncertified: $12

4) Extended driver's record search (10-year extended)
Certified: $18
Uncertified: $12

5) Complete driver’s record
Certified: $54
Uncertified: $48

6) Driver’s licence checks (what does this even entail exactly?)
$2.00 - $2.50


Stanton
High Authority
High Authority
Posts: 2111
Joined:
Location: Ontario

Unread post by Stanton on

Driver's licence checks (#6) are simply verifications that show if a person is licenced or not.

I can't speak to which particular record insurance companies would request. Your rates are supposed to be partially based on convictions/suspensions over the past 3 years. However since even longer records are priced the same, there's no financial disincentive for providers to not request them.


viper1
Sr. Member
Sr. Member
Posts: 502
Joined:

Unread post by viper1 on

For a new customer the 3 year check. If a customer lied they can just cancel in the case of a claim.
I believe it is more then just paying to get the extended 5 year check.

Cheers
Cindan




"hang onto your chair when reading my posts
use at your own risk"


Post Reply

Return to “Compulsory Automobile Insurance Act”