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APPLYING FOR AUTO INSURANCE
What do I need to know to fill out an automobile insurance application?
1. Vehicle information
Year, make, model, body type, cylinder or c.c.
Vehicle identification number (serial number)
Estimated annual driving distance
Lien holder name and postal address (the person or group you are still making payments to if your car loan is not paid in full)
Automobile use – pleasure, business, driving to work
2. Driver information
Name of each driver, driver's licence number, date of birth, date first licensed in Canada, other classes of licence (if any), the percentage each driver uses the vehicle(s).
Whether any insured drivers have driver training. If so, his or her certificate needs to be attached so he or she can be considered for a premium discount.
Whether anyone else in the household or business is licensed to drive. If so, details need to be provided in the remarks section.
Whether any driver's licence, vehicle permit, etc., issued to a person in the household or business has been suspended or cancelled in the last six years.
Whether any insurance company cancelled automobile insurance for the applicant or any driver listed on the application in the last three years.
Whether, during the last three years, any automobile insurance policy issued to you or any listed driver has been cancelled or any claim has been turned down for material misrepresentation (not telling the truth).
Whether the applicant or any listed driver has been found by a court to have committed a fraud involving automobile insurance.
3. Previous accident and insurance claims in the last six years
You must show details of any accident or claim on any automobile of any listed driver during the last six years ("any claim" means all claims and includes windshield damage, theft, vandalism, wind damage, etc.).
You need to provide details of the date of claim, type of claim, amount paid or estimate of damage. If the claim was a collision, you also need to identify the driver and give brief details on what happened and who was at fault. If you need help, contact your insurance representative before completing the application.
You need to identify the offence and the date of conviction(s) for each driver. Convictions are offences related to the operation of a vehicle. This includes seatbelt infractions, defective tires or brakes, failure to use or improper use of headlights, moving traffic offences, such as speeding, and signalling offences.
You can get your own motor vehicle record (MVR) from the Ministry of Transportation, which provides a two-year history. Insurance companies require a three-year history.
If you don’t know or are unsure of conviction dates, ask your insurance representative.
Information provided courtesy of Insurance Bureau of Canada – For Educational purposes only.