Can Auto Insurance Be Backdated in Ontario?

Backdating auto insurance policies is a common inquiry among Ontario drivers looking to cover past uninsured periods.

In Ontario, backdating an auto insurance policy is not permitted. Insurance coverage can only start from the date the policy is purchased or a future agreed-upon date. This regulation helps maintain the integrity and fairness of insurance practices.

Find out more about starting a new insurance policy in our comprehensive New Policyholder Guide.

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While backdating is not an option, understanding how to properly initiate coverage can save you from potential legal issues and financial losses.