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) Drivers licence history

(includes proof of beginner driver education course completion)

Certified: $18

Uncertified: $12

2) 3-year extended drivers record

(includes current address and all suspensions, reinstatements and convictions)

Certified: $18

Uncertified: $12

3) 5-year drivers record

(with or without address)

Certified: $18

Uncertified: $12

4) Extended driver's record search (10-year extended)

Certified: $18

Uncertified: $12

5) Complete drivers record

Certified: $54

Uncertified: $48

6) Drivers licence checks (what does this even entail exactly?)

$2.00 - $2.50

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.

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