Quote:
Originally Posted by Hans Landa
True, but I believe most insurance companies can supply a waiver for you to sign to explicitly state that specific individuals will never operate the insured vehicle.
I have this with my wife (she has a nasty record). They sent me a waiver to sign and as long as we could prove that she has her own car and insurance on it, her existence under the same roof has no effect on my premiums.
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Yes, they do: SEF 28/8A. One expresses if the excluded driver is involved in a claim the insurer will only pay out up to the provincial minimum under liability ($200,000). The second states whatever is paid out on that claim the insurer has rights to subrogate it back from the policyholder. These forms are signed to protect the insurance companies from other drivers in the household that the policyholder doesn't want to list. The OP's GF has *already* had the claims with his policy. Another way to put this is the OP has had 2 claims paid out under his policy and the insurer has the right to rate for them.