First auto policy with foreign licence Ontario broker

Answers are general operational information only — not legal, tax, regulatory, clinical, privacy, immigration, or professional advice. Requirements vary by matter, client, and regulator.

Frequently asked questions

Can someone insure a car in Ontario with only a foreign licence?

Some insurers accept foreign licences for a limited period while licensing rules allow lawful driving. Rules vary by carrier and client situation (visitor vs new resident). Document what you collected and what you disclosed at quote.

How long can a new resident drive on a foreign licence?

Ontario guidance typically allows a valid out-of-province or foreign licence for 60 days after becoming a resident, then an Ontario licence is required to keep driving. That is an MTO licensing rule — confirm current ontario.ca guidance. Insurers still set their own eligibility and rating rules.

What driving history proof do insurers want?

Often a foreign abstract, insurer letter of experience, or other authenticated proof. Requirements differ — your checklist should name the item, not 'send driving stuff.'

Does Ontario licence conversion affect the quote?

Usually yes. Track G1/G2/full G status and conversion dates on the file.

Are TAC records the same as foreign-licence intake docs?

No. Take-All-Comers documentation is about quote logs, lowest available rate, and market discussion in the client file. Foreign-licence abstracts are underwriting evidence. Keep both complete — Hivi-X helps assemble uploads; BMS notes still hold the quote log.

Does Hivi-X quote insurance?

No. Hivi-X collects and QCs documents. Your BMS and markets handle rating and bind.

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