Car insurance and "only driver form"

Red_Liner740

Red_Liner740

Well-known member
So heres the situation:

There are currently 4 insured and licensed cars in the household.

Reason for this is that both I and my fiancee (only people living at the household) bought different vehicles very recently.

We are in the process of selling the other two vehicles and left them insured as some vehicles will have to be parked on the street until such time they are sold. I told my broker this, and told him there is going to be a few week overlap where both my vehicles will remain insured.

So, i received an email from my ins broker stating that the insurance is requesting i sign a letter that states that

1. I am the only licensed individual in the household
2. I am the sole operator of the two vehicles insured under my policy (the other two vehicles are with fiancees seperate ins)

I refused to sign it.

I dont really have an issue with number two. I didnt insure them both to try and skirt a high risk driver under my ins but i'm not saying that we wont swap cars once in a while as she may have to carry something large and has no room in the coupe vs my 4x4.

I def have a major issue with the first point. If i sign that document i am willfully lying about there not being another licence holder.

What say you?
 
Do you buy a vehicle without a test drive?

Test drives and parking on a public street would be two logical reasons on not dropping insurance
 
Put her as a secondary driver? Switch to her company?
 
Aslan said:
Put her as a secondary driver? Switch to her company?
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Why would i put her as secondary driver, she has two of her own cars?

All i wanted to know is in that situation would you have signed that form, and what do you think reprecussions of knowingly signing a form that states a lie would be later down the road if something were to happen.

I can just see it "well sir i see here there's a form stating you're the only driver in the household when we have a voicemail on the system where you are asking to quote a vehicle for your fiancee living at the same address..." Claim DENIED!
 
Red_Liner740 said:
Why would i put her as secondary driver, she has two of her own cars?
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Since you may occasionally swap cars, it is the reality you wish to represent. Unless she has a horrible record it will have zero effect on price.

Red_Liner740 said:
All i wanted to know is in that situation would you have signed that form, and what do you think reprecussions of knowingly signing a form that states a lie would be later down the road if something were to happen.

I can just see it "well sir i see here there's a form stating you're the only driver in the household when we have a voicemail on the system where you are asking to quote a vehicle for your fiancee living at the same address..." Claim DENIED!
Click to expand...

I would never sign it. There is a different form for excluding a driver from a policy (if they would jack up the rate,) or she should be listed on the policy. If there is another version that says only the listed drivers have access to operate the vehicles then sure.

As for repercussions, if signed as is and she crashes it while hauling a garden gnome in your 4x4, claim denied. If she is hurt and they look hard enough they find a second licensed driver in 'your' house, Insurance Fraud. These are of course, just possibilities, depends how much money they can save.

If your broker can't work this sort of thing out correctly, maybe her's can.
 
I would insert a "not" in option 1. "I am not the the only licensed.....", sign it and fax it back. see what they do.

I take it you and her are with different insurance companies?

I've heard of this statement before but usually applies to bikes. I had to sign one for the bikes as hubby doesn't have a m/c license.
 
The same thing happened to me with the bike,daughter has a m2,I have never heard of this with a car,I think you may be in trouble if you let the other driver take one of the cars without the insurance company knowing and has an accident?
 
Unless your fiance has a terrible driving record you have nothing to worry about, provide the broker with her drivers license number and current insurance policy, and refuse to sign the letter. Remember if you and your fiance moved in recently your old insurance application may say that you were the only licensed driver in the household, and it is your responsibility to inform the company of the new driver who resides in the household.

The fact that she has her own policy with another company (unless its with a sub standard market i.e 3 tickets or more or 2 tickets + an at fault in the last few years) will mean she is an acceptable driver and nothing will be needed. If however your fiances driving record is such that it fails to meet the guidelines your company filed with FSCO then you will either have to sign an OPCF28A saying she is not allowed to drive your vehicles, or the company will be within its rights to give you a 60 day cancellation notice.
 
Her driving record is perfect, she has no issues getting insurance. I actually called my broker last week to get an umbrella quote but he never returned my calls, so we went on Kanetix and found a great deal and she bought it.

Its funny, NONE of my things are with the same ins. Cars with one, bike with anoter, house with 3rd.

I'm still waiting on the outcome of my email back. Havent received anything yet.

I have no issues providing fiancee DL to my broker. It was never asked.

Talk about a shotgun approach....."lets just go for defcon 3 here and cover our assess"
 
If that is the case you need to find a new broker as you are giving up multi policy discounts which can be between 10-15% of the premium on each policy. The M/cycle can be an issue as most companies will not insure a supersport, but if it is a crusier should not be an issue unless over 1000cc for some companies.
 
Your broker sounds incompetent. When two people in a household have two (sets of) vehicles insured with two different companies, you just provide the insurance info of one to the company of the other, and they should be content with that. You do not need to add each other as occasional drivers, if each has their own primary vehicle, you just need to provide DL and proof of insurance for the other person and that's all. The fact that the broker asked you to sign statement #1 makes me think he/she just failed to understand what your situation is.
 
Did the guy just write up a letter and send it to you or is there an actual form as well ie opcf28a? Because if he just typed something up to get you to 'promise' that there's no one else in the house with a license it's with absolutely nothing.
I'll admit that in most of the situations I see on this forum I usually side with the broker due to the insane amount of misinformation and misunderstanding surrounding insurance, but this does sound ridiculous.
 
Its been cleared up. It was Coachman insurance form he forwarded to me. Even though i left him a voice mail asking about ins for my fiancee he totally blanked out and assumed i lived by myself hence the form.

He asked for fiancees info and all is good.
 
If there are two licensed operators in the household, you can't say that you are the only licensed operator. That would be lying. Pretty simple stuff. I wouldn't worry about your rate -- it probably won't be impacted whether you had one or two operators in the household anyway (especially since your GF is already listed as a principal on her own policy). The insurer just wants to know who has access to the vehicles. If your premium goes up because of your GF, just get her to sign an OPCF28a exclusion form:

http://www.fsco.gov.on.ca/en/auto/forms/Documents/OAP-1-Application-and-Endorsement-Forms/1069E.pdf
 
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