Did you renew your driver’s license? Your reminder may possibly have gotten dropped in your inbox

Did you renew your driver’s license? Your reminder may possibly have gotten dropped in your inbox

In November of 2021, the Ministry of Authorities and Buyer Companies declared that Ontario driver’s licenses that are established to expire on or just after March 1, 2022, would no for a longer period be mailed paper renewal notices and would as a substitute get electronic reminders.

“Our authorities carries on to provide much more opportunities to provide in-demand digital solutions in a way that meets people’s requires the place they are and the place they are going,” states Peter Bethlenfalvy, Minister of Finance in a news release. Nonetheless, in a planet the place every little thing and every person competes for your consideration on cellular phone screens, what Ontarians genuinely have to have could be a letter shipped to their doorstep, a little something tangible and hard to miss out on.

This transfer has occur with unintended repercussions. Of distinct take note, people may well unknowingly be driving with expired licenses, and therefore get their automobile insurance plan coverage revoked.

Out of sight, out of brain — that is, until you get stopped by the police.

What provides the adjust in Ontario’s license renewal approach

The changeover is mentioned to preserve up to $29 million around five a long time in postage and mailing expenses, income the governing administration mentioned will be utilised to reinvest in schooling.

People can now receive renewal reminders at zero price tag, both of those 60 days and 30 days right before the expiry date, via textual content, e-mail or telephone.

Exemptions for driver’s license holders and motor vehicle owners

Created to deliver versatility and accommodate specific situation, selected people today and auto house owners are exempt from these changes.

  • Seniors aged 70 years and older
  • People with a driver’s license class A, B, C, D, E, or F.
  • Persons with endorsements that necessitate further tests (for example, airbrake endorsements)
  • Firm/fleet cars
  • Men and women who have jointly owned autos
  • Significant industrial automobiles

The unseen consequence: driving with expired licenses and no insurance policies

In January and February of 2023, the Ontario Provincial Law enforcement (OPP) issued 82 tickets for expired licenses or stickers in northeast Ontario. This quantity was practically as lots of as in the very first 6 months of 2022.

If this doesn’t spark adequate of a red flag, OPP in Mississauga helps paint a clearer image on X (formerly recognised as Twitter): They flagged 32 autos in 22 minutes. Of individuals drivers, four had been unlicensed motorists, and 27 had expired car or truck registrations.

Suffice it to say, Ontario drivers have been caught off guard by this new license renewal course of action and may well be inadvertently driving with expired licenses. Additionally, vehicle insurance policy companies call for legitimate driver’s licenses as a part of their underwriting and coverage issuance course of action. This suggests, if your license has expired and your insurance company just isn’t informed, your plan could be deemed void or canceled.

“Our brokerage has noticed an enhance of roughly 30 for every cent in the number of non-renewals that we get ensuing from an expired license,” suggests Cassie Gilroy, retention supervisor at Mitch Insurance policy. “Our gross sales staff is also observing expired licenses regularly when new clientele are implementing for guidelines. It has grow to be a frequent event in our day-to-working day routines.”

Renewing your automobile insurance policy policy after it has been canceled since of an expired license can be challenging, primarily if you get caught driving without the need of one. Insurance companies will watch you as a better-chance driver, and finding reasonably priced coverage may perhaps become a challenging process.

Connected: Why your driver’s license history matters to car coverage companies

Caught with an expired license? Just take a seem at the ramifications

Driving with no a legitimate license is unlawful in Ontario and can outcome in critical legal and monetary implications. If you’re pulled about by law enforcement with no a legitimate driver’s license, you may well encounter:

Increased insurance premiums: If your invalid license goes unnoticed, you could expect premium raises at the time of renewal because of to the extra chance of insuring an unlicensed driver. If your license stays expired for in excess of a year, it could also invalidate your protection and get any assert submissions rejected.

Delays in promises processing: The statements approach will take more time mainly because the coverage adjuster requirements to wait around to validate if your license is or was valid throughout the time of the incident. This puts force as you now have to discover time to go to an MTO office environment to retrieve this information and facts with the specified time constraints.

Get rid of your correct to sue: Accidents can occur at any time and be triggered by everyone. Underneath subsection 267.6(1) of the Ontario Insurance policies Act, even if you are at no fault, if you didn’t have a valid driving license, and subsequently with no legitimate insurance policies protection at the time of the collision, you can’t sue for damages.

License suspension: Your driving privileges may perhaps be suspended, influencing your ability to function, commute, or carry out critical daily jobs. There is also a $281 license reinstatement cost.

Fines and penalties: In Ontario, the fines for driving with an expired license can be significant, achieving a whopping $325, whilst expired plates can final result in a $110 ticket. If you come across you caught driving with these violations outdoors of Ontario, you may well facial area even steeper fines.

Vehicle impoundment: If you’re caught with an invalid license, your car or truck will be impounded for seven times. This incurs extra towing and storage fees, more including to the financial consequences of non-compliance.

Similar: How a motor vehicle incident has an effect on your coverage high quality

What if you have a assert to submit?

In phrases of the duration for how very long your license has been expired, there is no big difference involving a shorter lapse compared to a for a longer time lapse to your insurance company, as extended as the MTO is ready to renew or reinstate the license.

If you are unsuccessful to get your license renewed or reinstated without a lapse in time, you can anticipate to get your statements denied considering you lacked a legitimate license at the time of the incident. Any variations to rates would be triggered by you receiving convicted for driving with out a valid license and/or owning to return to a G1 license.

Relevant: How your statements background affects your car or truck insurance premiums

Act rapidly. Get your license renewed

Never worry if you recognize that your license has expired.

According to Gilroy, the reinstatement process for your license is simple. In most cases, your coverage won’t be impacted. However, the lengthier you go with an expired license, the more very likely you are to run into an accident that will ultimately elevate your insurance rates.

“The very best matter you can do is not generate until you’re equipped to get to the MTO and ensure your license is reinstated or renewed,” she advises. “The more quickly you can get proof of reinstatement to your coverage corporation, the considerably less likelihood they have of delays in the coverage getting issued.”

Browse next: How to file a motor vehicle insurance plan claim right after a collision