Typically, this is about your age, driving experience, where you live and your claims and convictions history. Also, the car you drive. You’re legally required to disclose all of these facts to your insurer, so don’t be tempted to lie in an attempt to reduce the cost of your cover.

Do car insurance companies need your driving licence?

There’s no legal obligation, but if you choose not to provide an insurance company with your driving licence details, they can’t check that the information you’ve given them is correct.

Does my driving licence address have to match my insurance?

Miles added: ‘If your address is different on your driving licence and motor insurance policy it won’t invalidate your cover but it’s worth making sure all your records are as accurate as possible, as factors such as your postcode can impact your insurance premium, and can ultimately impact how much you pay.

Can a car insurance company check your driving record?

While your auto insurance company cannot pull your full motor vehicle report (MVR), it does pull a summary listing your most recent tickets, accidents, and convictions.

When to clear your driving record to save on car insurance?

This could be especially valuable when getting car insurance quotes from companies that look back four or five years (or more) into your driving history. If you’re unable to clear your traffic tickets, you might be stuck waiting them out. The time period varies by insurer and state.

When do I need a copy of my driving record?

Driving record (driver’s abstract) You can use a copy of your driving record to apply for a driver’s licence when you move out of B.C., to become a member of any car-sharing company(s) or to volunteer driving for school activities e.g. field trips. Your driver’s abstract is a public (P) record of your basic driving history in the last five years.

How does your driving record affect your car insurance rates?

At renewal time, your driving record is checked to see if you have any violations now listed that would cause your rates to rise, or for policy to be non-renewed. If you have violations on your driving record that have fallen off, your rates should go down when your policy renews.