AB license, originally ON resident, moving back to ON - insurance what??

[born2workoncars]

Here’s the dealio:

Friend has lived in AB for years but only recently got an AB license.

- moving back to Ontario at end of month
- wants to buy a car in AB to drive there
- has AB license but will be switching to ON license in one month
- do they need a AB ins policy and then swap to ON policy??
- vehicle will be registered in ON after OPI is completed upon arrival
- could they keep the ab license/ins policy/registration while living in ON
- do they need an ON license to get ON insurance?

Pls help?

[bjstare]

Man these sound like great questions that your friend should ask their insurance provider. Or, gasp, they might even be answered already if they read the policy documents.

[speedog]

What did they have for a license before they recently got their AB license? No license or an ON license?

[A790]

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Here’s the dealio:

Friend has lived in AB for years but only recently got an AB license.

- moving back to Ontario at end of month
- wants to buy a car in AB to drive there
- has AB license but will be switching to ON license in one month
- do they need a AB ins policy and then swap to ON policy??
- vehicle will be registered in ON after OPI is completed upon arrival
- could they keep the ab license/ins policy/registration while living in ON
- do they need an ON license to get ON insurance?

Pls help?

They can keep their AB license/policy for six months before needing to switch. You cannot get ON insurance with an out of province license.

[/thread]

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Man these sound like great questions that your friend should ask their insurance provider. Or, gasp, they might even be answered already if they read the policy documents.

lol having a bad morning, bud?

[bjstare]

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lol having a bad morning, bud?

Haha nah, just surprises me that people don’t go to the one source of truth for something that could have significant implications (re: insurance, worst case a denied large claim), and instead would rather ask a bunch of random folks on the internet. It’s one thing if they’re allowed by ON to drive there, but the more important aspect is the details of coverage.

I suppose the exception might be if Bill is his broker haha. Then he’d be getting that reliable answer from beyond.

[speedog]

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They can keep their AB license/policy for six months before needing to switch. You cannot get ON insurance with an out of province license.

[/thread]


lol having a bad morning, bud?

Hah, we've got one homeowner 2 blocks from us who have had all of their vehicles registered/insured in BC for 15+ years now.

[rage2]

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Hah, we've got one homeowner 2 blocks from us who have had all of their vehicles registered/insured in BC for 15+ years now.

And will run into issues when they need to make a claim. At best hassles in explaining their situation, at worse denied. Growing up people were doing the same shit when SK insurance was way cheaper for young people back in the day, and my friends had the same issues.

[Masked Bandit]

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Here’s the dealio:

Friend has lived in AB for years but only recently got an AB license.

- moving back to Ontario at end of month
- wants to buy a car in AB to drive there
- has AB license but will be switching to ON license in one month
- do they need a AB ins policy and then swap to ON policy??
- vehicle will be registered in ON after OPI is completed upon arrival
- could they keep the ab license/ins policy/registration while living in ON
- do they need an ON license to get ON insurance?

Pls help?

Super simple here:

1. Buy car in Alberta, register and insure in Alberta as normal.
2. Withing THREE MONTHS of establishing residency in another jurisdiction (Ontario in this case) they will need to flip their licence, registration & insurance to Ontario. This is essentially done all at once. Consult with a local broker for the correct order of operations but it's usually licence & OOP inspection, then insurance & registration.
3. For all intents & purposes licence, registration & insurance must all be from the province of residence.

[speedog]

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And will run into issues when they need to make a claim. At best hassles in explaining their situation, at worse denied. Growing up people were doing the same shit when SK insurance was way cheaper for young people back in the day, and my friends had the same issues.

15+ years they've been playing the system now, hell, I've even called them into bylaw in the past for having a vehicle on jack stands on the street for a week with no transmission in it and the vehicle in question was BC plated. Bylaw probably doesn't give a damn about plate jurisdiction on a vehicle and whether or not the laws are bring flaunted, not their job.

[mrsingh]

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Super simple here:

1. Buy car in Alberta, register and insure in Alberta as normal.
2. Withing THREE MONTHS of establishing residency in another jurisdiction (Ontario in this case) they will need to flip their licence, registration & insurance to Ontario. This is essentially done all at once. Consult with a local broker for the correct order of operations but it's usually licence & OOP inspection, then insurance & registration.
3. For all intents & purposes licence, registration & insurance must all be from the province of residence.

What about for people who keep a vehicle in their summer/winter home. For example, Alberta residents who keep a car at their place in the Okanagan?

[Xtrema]

I know this sounds dumb but make sure your friend get off GDL before heading back to ON.

[Masked Bandit]

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What about for people who keep a vehicle in their summer/winter home. For example, Alberta residents who keep a car at their place in the Okanagan?

That's one of the very few scenarios where it's possible to hold registration & insurance in a province you're not licenced. The legitimate instances of this though are extremely rare.

[JohnnyHockey13]

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Man these sound like great questions that your friend should ask their insurance provider. Or, gasp, they might even be answered already if they read the policy documents.

He's born to work on cars, not do research on licensing....just like I was born to make sweet passes to a sniper, not play defence or go into corners to get pucks.

[ExtraSlow]

Classic

[Maxx Mazda]

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Hah, we've got one homeowner 2 blocks from us who have had all of their vehicles registered/insured in BC for 15+ years now.

Who the fuck would want to pay astronomical ICBC prices over just plating them in Alberta?

[JohnnyHockey13]

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Who the fuck would want to pay astronomical ICBC prices over just plating them in Alberta?

How bad are ICBC rates right now? I'm planning to move back after 16 years...

[Tik-Tok]

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How bad are ICBC rates right now? I'm planning to move back after 16 years...

Average is 30% more. It's the highest in the country.

[born2workoncars]

Thanks @MaskedBandit for the expedited response - all necessary considerations have been made, it's going to make sense to fly back out East and purchase a vehicle there. It'll end up being less hassle (OPI, fuel/time driving, getting a policy twice, cars are cheaper out east, etc.)

For the rest of you savages.... thanks for the lols