Topic

Which Driver's Abstract Does Insurance Companies Check?

Author: HTANub


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

Which Driver's Abstract Does Insurance Companies Check?

Unread post by HTANub »

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

Stanton
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Joined: Tue Feb 01, 2011 8:49 pm
Location: Ontario

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Re: Which Driver's Abstract Does Insurance Companies Check?

Unread post by Stanton »

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

Re: Which Driver's Abstract Does Insurance Companies Check?

Unread post by viper1 »

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.


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