Insurance can be a tricky industry to navigate. Whether you’re new to the world of insurance or you’ve purchased several policies, there’s a lot that goes on behind-the-scenes. If you’ve gone through the quoting process with your insurance brokerage, you may have learned about different things that could affect your rates. If you’re shopping for a car insurance policy, it’s likely your brokerage or insurance company will run an insurance history report, from a company like AutoPlus™ for example.
What is an auto insurance history report?
An auto insurance history report is an important tool used by insurance companies that provides up-to-date information about you and your auto insurance policies. For example, many insurance companies in Canada use AutoPlus™, which is a large database that they subscribe to because it provides detailed information about people’s car insurance history. When a broker inputs your driver's license number, the request generates your report and delivers it to the insurance company or brokerage.
If you’ve been in an accident, made a claim, had a policy cancellation or previously missed an insurance payment, this is likely been documented in your file, which includes things like:
- Your complete insurance history
- All the vehicles you’ve insured
- All the insurance companies you’ve ever been with
- Any claims made against you
- Any accidents or claims you’ve made
Why is the car insurance report useful?
Car insurance history reports are very detailed, which is why insurance companies use them. Your driver’s license number is all that’s required to generate a report that is delivered to your brokerage or insurance company. You can also order your own report. All you need to do is complete an information form and submit the request. The report will be sent to you accordingly.
Reasons you might need an auto insurance history report
A benefit to obtaining your own report is that you will have your entire auto history in one place. When you work with your brokerage, you’ll have all the information and answers to their questions right in front of you.
Here are some reasons to request an auto insurance history reports:
- You are moving to another province or country and it will provides your new insurance company with a full history report.
- An employer may request this report if your job involves driving.
- It’s free to order and you’re curious – it’s interesting to see what information about you is stored by insurance companies.
- To verify that all information in the report is accurate (you can challenge something if there seems to be a mistake).
How do I order an AutoPlus™ report?
Ordering an Autoplus™ report is simple! In Canada, CGI maintains the database for personal and commercial auto insurance policies. So, you just send your request to them. Here’s how it works:
- Visit the site to complete the CGI Consumer Autoplus™ Request Form
- Towards the bottom of the form, you will be directed to either scan and email the signed form to [email protected] or mail it to:
- CGI Technical Assistance Centre
5800 St-Denis, 7th floor
Montreal, PQ, H2S 3L5
By signing the form, you are requesting your own information. If there are any details that belong to another driver in your report, CGI may require their consent. You should get the report by mail within 10 to 14 days.
Information required when ordering an auto insurance report
- Your full name
- Driver’s license number
- Current insurance company and policy number
- Day time phone number
- Email address
- Your original signature is required
- Select the reason for your request (there will be some options for you to choose from)
For more information, contact BrokerLink today!
If you have questions about insurance, call us today. We have locations across Canada and we are always happy to walk you through insurance options. Our goal is to create a plan that’s perfect for you.
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How to order an auto insurance history report for car insurance FAQs
What if I disagree with something in my auto insurance report?
You have the right to correct any information found in your report. If there are errors, you can either contact the company, or apply to the Registrar of the Ministry of Government and Consumer Services to direct CGI to make corrections and/or file a complaint. If you disagree with something on the report, you may have to contact the Complaint Officer/Ombudsperson of the insurance company that provided the information.
Why should I order an auto insurance history report?
A benefit to obtaining your own report is that you can have your entire auto history in one place, which comes in handy if you are moving to another province or country, as it will provides your new insurance company with a full history report. An employer may also request this report if your job involves driving. You may simply want to know what it says, and it can give you a chance to verify that all information in the report is accurate (because you can challenge something if there seems to be a mistake).
This article is provided for information purposes only. BrokerLink does not speak on the behalf of or represent any third parties mentioned.
