Access to your driving record and insurance history should be immediate and free in Ontario. Currently, it’s not.
When was the last time you reviewed a copy of your driving record? What about your AutoPlus report that details your insurance history? Knowing your driving record and insurance history is no different than keeping on top of your credit score, yet, for Ontario’s nearly 10 million drivers gaining access to this information isn’t as easy as it could be. And it should be easier as the information contained in these two reports has a direct impact on a driver’s auto insurance premiums. Insurance companies and brokers rely on these records to ensure a policyholder’s coverage is accurately priced.
Drivers Would Like Free Online Access to Their Driver’s Record and Insurance History
Even if you haven’t looked at your reports lately, you can be certain that your insurance company or broker did the last time you purchased Ontario auto insurance. It’s a necessary step on the insurer’s side. For individuals, however, it’s either time consuming to get your hands on or you have to pay. At InsuranceHotline.com we feel that this is not the way it should be and drivers overwhelmingly agree.
More than 90 percent of drivers would like barrier-free access to their driver’s record and insurance history, according to a recent InsuranceHotline.com survey:
- 94 percent of drivers and 95 percent of current auto insurance policyholders believe access to their driver’s record and insurance history should be free.
- 92 percent of drivers and 93 percent of current policyholders believe they should have immediate access (i.e. online) to their reports.
The InsuranceHotline.com survey, conducted by Leger using their online panel between February 1 and February 4, 2019, polled 1,565 Canadians. The margin of error for this study was +/-2.5%, 19 times out of 20.
Knowledge is Power
Knowing your driving record and insurance history is comparable to knowing your credit score. It allows you to see, in part, why your premiums are what they are and how tickets and collisions affect rates. Knowledge is power and with this information in hand it can encourage better decisions when driving that will translate into lower premiums in the long run.
Drivers are on board with this idea as well: 87 percent of drivers and policyholders agree that with easy access to their driver’s record and insurance history, they would have a better understanding of how their insurance rates are priced.
How it Works Today: Getting Your Ontario Driver’s Record and Insurance History
Currently, it costs $12 to order an online copy of an uncertified three-year driver’s record, the most frequently requested driver’s record in Ontario (there are five-year versions too). This report shows the number of demerit points you may have on your licence, as well as any suspensions and Highway Traffic Act and Criminal Code of Canada convictions.
Your insurance history report, on the other hand, is free to obtain but it’s mailed to you within 10 business days of CGI receiving your request. CGI is the company that maintains the information about auto insurance policy and claims data in Canada on behalf of the industry.
Also called an AutoPlus report, your insurance history includes information about your most current insurance policy, as well as insurance claims, if any, for the past 20-plus years. It details the type of claim (e.g. collision, theft, bodily injury), how much was paid out and, in the event of a collision, the percentage of fault assigned. It also includes third party claims and, if there’s been a policy cancellation, the reason for it.
Together, these reports contain a considerable amount of information that can give drivers some insight into their insurance pricing. In today’s digital world, it’s just a matter of time until Ontario drivers have barrier-free access, free and online, to their driver’s record and insurance history.
Steer Clear of High Car Insurance Premiums
Your driving record and insurance history matters, both are influential factors in determining your insurance rate. While there are other factors that matter too, like where you live and the type of car you drive, your driving record and insurance history are indicative of how you are when behind the wheel.
Keep your car insurance premiums low by driving carefully and minding the rules of the road and lower them even further by shopping around for the coverage you need. On average, last year, shoppers saved $427 after comparing car insurance quotes with us and, in just a few minutes, you could as well. Compare auto insurance quotes today.
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