Buying Car Insurance for Someone Else in Ontario

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As long as a person has the appropriate information and the policy holder’s permission, it’s possible to purchase insurance on another person’s behalf. Adding a spouse, family member or other persons to an existing policy also effectively purchases insurance for that person. An insurance company needs only the right information and, of course, payment.

What Information is Needed to Buy Car Insurance?

traffic violation

The information an insurance company needs is a mix of vehicle and personal data. The basic car insurance policy form is common to all insurers in Ontario. Therefore, as long as the correct information for the insured driver is on hand, a third party could complete the transaction.

The information needed by the insurance company is:

Car Information

Personal Information

  • Legal name, gender, marital status and birth date of the driver to be insured
  • Driver’s license number
  • Number of years licensed as a driver in Canada and the U.S.
  • Has the motorist taken approved MTO driver training and passed the program?
  • List of insurance claims or accidents in the previous six years
  • List of traffic violations (not parking tickets) in the previous three years

(Source: Financial Services Commission of Ontario)

As well as this basic information, optional levels of coverage, optional insurance features, and deductible limits can be chosen. These can also be altered after the policy in place. A basic policy can be purchased and modified by the insured at a later date.

Adding Occasional Drivers to an Auto Insurance Policy

An insured driver can add a spouse, child, other relative or friend to their own policy as occasional drivers. This is often the most affordable way for a new driver to gain auto insurance history. While other drivers add to the cost of a policy, increases are less expensive than a separate policy for another vehicle. Information for occasional drivers resembles that for a main driver, and anyone with the appropriate data can, with the policy holder’s permission, add an occasional driver.

  • The occasional driver’s name, gender, birth date and marital status
  • Years as a licensed driver in Canada and the U.S.
  • Date the driver received G1, G2, and full G certification
  • Did the driver complete an MTO approved driver training program?
  • List of insurance claims or accidents in the previous six years
  • List of traffic violations (not parking tickets) in the previous three years

(Source: Financial Services Commission of Ontario)

No car data is needed since the occasional driver is added to an existing policy. Car insurance policies attach to vehicles, rather than drivers.

 

Ratelab’s car insurance calculator accepts additional drivers when searching for auto insurance quotes. You can enter your car insurance data with confidence that your quotes fit your auto insurance needs. Start by entering your postal code above, then completing the rest of the information for vehicle, main and occasional drivers. The more complete and thorough your information, the more accurate your quotes will be. Give it a try.

 

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