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3 minute read Published on Jan 27, 2022 by BrokerLink Communications
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.
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:
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.
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:
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:
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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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.
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.