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
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Posts: 3
Joined: Mon Nov 17, 2014 1:58 am

Which Driver's Abstract Does Insurance Companies Check?

by: HTANub on
Mon Nov 17, 2014 4:45 pm

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
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Stanton
High Authority
High Authority
Posts: 2111
Joined: Tue Feb 01, 2011 8:49 pm
Location: Ontario

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by: Stanton on
Mon Nov 17, 2014 10:13 pm

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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