Thanks, I really appreciate your input. I am going to shop insurance providers to see if I can find one that isn't going to ding me.

Cheers!!!

Sean

I was driving a borrowed van on the 401 southbound toward Toronto. Was stopped because officer thought he saw me using a device. I wasn't, it was a coffee. After providing ownership and the insurance slip, the officer noted the slip had expired. It wasn't my van, I had my own proof of insurance but ...