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Which driver's abstract does insurance companies check?
Driver’s licence history 0%  0%  [ 0 ]
3-year extended driver’s record 100%  100%  [ 1 ]
5-year driver’s record 0%  0%  [ 0 ]
Extended driver's record search (10-year extended) 0%  0%  [ 0 ]
Complete driver’s record 0%  0%  [ 0 ]
Driver’s licence checks (what does this even entail exactly?) 0%  0%  [ 0 ]
Total votes : 1

Which driver's abstract does insurance companies check?
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PostPosted: Mon Nov 17, 2014 5:45 pm 
Offline
Newbie

Joined: Mon Nov 17, 2014 2:58 am
Posts: 3
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


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Re: Which driver's abstract does insurance companies check?
PostPosted: Mon Nov 17, 2014 11:13 pm 
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High Authority

Joined: Tue Feb 01, 2011 9:49 pm
Posts: 2110
Location: Ontario
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.


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Re: Which driver's abstract does insurance companies check?
PostPosted: Mon Nov 17, 2014 11:49 pm 
Offline
Sr. Member

Joined: Mon Oct 20, 2008 11:31 pm
Posts: 502
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

_________________
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use at your own risk"


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