Definition occasional driver ontario

Any driver who lives under the same roof is automatically considered an occasional driver – unless you exclude them from your policy, says the Insurance Bureau of Canada. "When you apply for.  · Ontario law requires that all motorists have auto insurance. Fines for vehicle owners, lessees, and drivers who do not carry valid auto insurance can range from $5, to $50, If you are found driving without valid auto insurance, you can have your driver's licence suspended and your vehicle impounded.  · An occasional driver for insurance, also often referred to as a secondary driver, is a person who regularly drives the vehicle, but doesn’t use it the most. They drive the vehicle less than 50% of the time. For example, an occasional driver is most commonly a spouse who uses the vehicle to run errands or visit family on the weekend.

Anybody in Ontario living in a home with a driver’s license can take on the role of occasional driver. It applies to any of the vehicles on the policy. It is even applicable if they have their vehicle and take care of their insurance. Exclusion is possible if the insured chooses to do so. Knowing What The Provincial Rules Are. What Is Occasional Driver Insurance. Occasional driver insurance is for a vehicle that is not driven very often or for policies where there is another person who drives the vehicle regularly. Occasional driver insurance is designed to provide coverage during times when the vehicle is used by that particular driver. Occasional driver insurance costs less that primary driver insurance. An occasional, or secondary, driver is added onto the car insurance policy because they use the car once in a while. Often, an occasional driver is a spouse or a child, but it can also be a sibling or roommate.

See definitions to many of the common auto and home insurance terms that we use, New drivers in Ontario must go through the Graduated Licensing system. This means that if you were involved in a collision of any kind while driving their Make sure you have a valid Ontario driver's licence in your name. 4 thg 1, In some provinces, like Ontario, anyone in your home with a driver's licence is automatically added to your policy as an occasional driver.