Your Motor Vehicle Record and Insurance

The use of Ontario driver record information

Your record of moving traffic violations could be an indication of how likely you are to be involved in a collision.

Therefore, most companies take your motor vehicle record (MVR) into account when determining your auto insurance premium. If other people will be driving your car, their records may also be considered when your premium is calculated.

Through a partnership with the Ministry of Transportation of Ontario (MTO), Insurance Bureau of Canada (IBC) provides insurance companies, brokers, adjusters and resellers with fast, electronic access to customer driver records.

IBC’s agreement with MTO comes with safeguards for protecting confidential driver information and personal privacy. Information is transferred using secure methods and, in compliance with privacy legislation, strict protocols and auditing systems control and track access to information.

Who can get these records?

Only those insurance companies, insurance brokerages and adjusters that have entered into the appropriate agreements with MTO and IBC (or an authorized information reseller such as CGI) are authorized to receive Ontario driver record (MVR) information through IBC.

For the industry

For insurers, brokers and adjusters wanting more information about IBC’s MVR program, please contact mvr@ibc.ca. To link to IBC’s MVR application, please click here .

Insurance brokers can click here for a list of insurance companies authorized to receive MVR information. The list is provided for information purposes only and is updated as changes occur.