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Car Insurance for the first time in Ontario

Car Insurance for the first time in Ontario

Old May 11th 2021, 4:31 pm
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by Tabularasa
Has anyone got their No Claims data from MIB (Motor Insurance Board) in the UK? It seems you can put in a Subject Access Request for free to get your no claims history as long as you give them your drivers license details and previous addresses.
https://www.mib.org.uk/managing-insu...ing-your-data/
You would need to check with Insurers in your Province to see if they will accept MIB no claims data or if they require physical letters (in approved format) from each insurance company.

You will also need a copy of your driving record (drivers extract) https://www.gov.uk/government/public...driving-record

To exchange your driving license in Ontario see: https://www.ontario.ca/page/exchange...rivers-licence / https://drivetest.ca/licences/licenc..._exchange.html

Last edited by Siouxie; May 11th 2021 at 4:40 pm.
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Old Aug 30th 2022, 8:08 pm
  #32  
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Default Re: Car Insurance for the first time in Ontario

Reviving an oldish thread...
It seems like Johnson's no longer insure anyone new unless they have a group policy with them
Cheapest I found that considers international experience was "Intact insurance", at around 260 a month (included 10% discount for having the app that tracks you). Another 10% discount is possible if you get home insurance with them.
Still a bit outrageous considering the deals I am seeing above for Johnsons. Has someone had luck with any other providers?
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Old Aug 31st 2022, 3:24 am
  #33  
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by MG1987
Reviving an oldish thread...
It seems like Johnson's no longer insure anyone new unless they have a group policy with them
Cheapest I found that considers international experience was "Intact insurance", at around 260 a month (included 10% discount for having the app that tracks you). Another 10% discount is possible if you get home insurance with them.
Still a bit outrageous considering the deals I am seeing above for Johnsons. Has someone had luck with any other providers?
Aviva Canada will accept Aviva UK policies.
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Old May 3rd 2023, 8:25 pm
  #34  
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Default Re: Car Insurance for the first time in Ontario

Sorry to revive this older thread. What are the latest tips for insurance quotes in Ontario?

I know that insurance companies may not recognize UK no claims, but what about time the license has been held? Does it include UK time held, or only the Ontario after exchange?

They did write down the UK issue date on the Ontario MTO paperwork and I have my DVLA abstract to prove dates, so I believe that it should be included.

There’s a significant discount for having held a clean licence for 10+ years, so it makes a difference in my quotes.
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Old May 3rd 2023, 11:47 pm
  #35  
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by johnjkjk
Sorry to revive this older thread. What are the latest tips for insurance quotes in Ontario?

I know that insurance companies may not recognize UK no claims, but what about time the license has been held? Does it include UK time held, or only the Ontario after exchange?

They did write down the UK issue date on the Ontario MTO paperwork and I have my DVLA abstract to prove dates, so I believe that it should be included.

There’s a significant discount for having held a clean licence for 10+ years, so it makes a difference in my quotes.

The best tip for car insurance is not to move to Brampton though there are countless other reasons not to move to Brampton. Discounts for years licensed and years without accidents differ between carriers, as does the required evidence. I'm sure the required proof of no accidents is covered in earlier posts on this thread.

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Old May 4th 2023, 3:25 am
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by dbd33
The best tip for car insurance is not to move to Brampton though there are countless other reasons not to move to Brampton. Discounts for years licensed and years without accidents differ between carriers, as does the required evidence. I'm sure the required proof of no accidents is covered in earlier posts on this thread.
Thanks for the info. I live up North. Do years licenced include UK licence held before exchange? I have 6 years after exchange and many years UK.
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Old May 4th 2023, 4:10 pm
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by johnjkjk
Thanks for the info. I live up North. Do years licenced include UK licence held before exchange? I have 6 years after exchange and many years UK.
It's not going to matter, five years is the most credit you can get and that doesn't make a huge difference to the premium, at least it doesn't with the major companies.
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Old May 4th 2023, 4:55 pm
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by dbd33
It's not going to matter, five years is the most credit you can get and that doesn't make a huge difference to the premium, at least it doesn't with the major companies.
Some are offering a 10 year clean licence discount. Without I'm getting $100-120, and with around $70-80/month for an old Jeep. I found Onlina who accept licence history before exchange as long as the info is registered with MTO and proven with a driver's abstract.

Waiting on what a broker can offer me.
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Old May 8th 2023, 10:07 pm
  #39  
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Default Re: Car Insurance for the first time in Ontario

Just to clarify, the driver record that the Canadian insurance companies may seek is merely the DVLA report that states if you have points or not, vehicles you can drive etc?



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Old May 8th 2023, 10:38 pm
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by ribblerider
Just to clarify, the driver record that the Canadian insurance companies may seek is merely the DVLA report that states if you have points or not, vehicles you can drive etc?


I'm still in the process of getting a used car and insurance (crazy prices in Ontario) but if the insurance company is willing to credit your previous driving record (ask them), you would want a certificate of entitlements from the DVLA (screenshot won't work) and when you exchange your licence in canada, make sure the MTO notes the details on your file (issue date, entitlements etc).
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Old Jun 2nd 2023, 1:47 am
  #41  
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by johnjkjk
Some are offering a 10 year clean licence discount. Without I'm getting $100-120, and with around $70-80/month for an old Jeep. I found Onlina who accept licence history before exchange as long as the info is registered with MTO and proven with a driver's abstract.

Waiting on what a broker can offer me.
Hi,
I also recently moved to Ontario. I was just checking if you found a broker that considers UK driving history?

My current cheapest quote is with Intact for $330

Last edited by Eggx; Jun 2nd 2023 at 1:50 am.
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Old Jun 2nd 2023, 2:39 am
  #42  
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Default Re: Car Insurance for the first time in Ontario

Originally Posted by Eggx
Hi,
I also recently moved to Ontario. I was just checking if you found a broker that considers UK driving history?

My current cheapest quote is with Intact for $330
I’m talking to a broker who is trying. He did say that Aviva here considers UK Aviva history.

Some companies like Onlia (budget online-only insurer) may consider UK licensed years, but not UK insurance history. Price very much depends on your postcode. 300 is low for the GTA and high for Nothern Ontario.
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