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Ontario’s Insurance Validation Program


Insurance Validation Program

​​​​​​​The Ministry of Transportation of Ontario (MTO) leads the government’s IVP initiative. When a licence plate is up for renewal, MTO automatically checks the IVP database to verify that the vehicle has mandatory insurance coverage. ​


Ontario’s IVP database houses the vehicle identification number (VIN) and mandatory coverage status of each insured vehicle. IBC maintains this database on behalf of the insurance industry.  

In the spring of 2011, MTO extended access to the IVP database so Ontario law enforcement agencies can validate insurance. Now police officers can confirm mandatory insurance coverage right from their vehicles.

For more information about Ontario’s licence plate renewal process, visit the Ministry of Transportation.

Within IVP’s Current Scope

MTO transactionsVehicles
  • Licence plate renewals only​
  • Vehicles manufactured in 1983 and after
  • Private passenger vehicles
  • Privately owned or leased passenger vehicles

(Note: the vehicle must meet all of the above criteria)​​


Outside IVP’s Current Scope 

MTO transactions​​​ Vehicles
  • Vehicle transfers
  • New registrations
  • Passenger vehicles registered in the name of corporations
  • Motorcycles
  • Motorhomes
  • All-terrain vehicles
  • Commercial vehicles, including those with MTO Personal Use Only (PUO) designations (e.g., black plated pickup trucks)
  • Private passenger vehicles manufactured prior to 1983


IVP and Consumers – What You Need to Know

If you experience an issue when renewing your vehicle plate sticker that is related to your insurance coverage, contact your broker, agent or insurance company.

  • ​If you experience an issue that is not related to your insurance coverage, contact Service Ontario at 1-800-267-8097.
  • If you own a seasonal vehicle, ask your insurer about the sticker renewal process and processing times before renewing your mandatory insurance coverage.
  • If your personal vehicle is insured under a commercial fleet or garage policy, consult with your insurance representative regarding renewal requirements.
  • If you have any questions about IVP, contact Service Ontario.​


IVP and Brokers or Agents – What You Need to Know 

If you receive a request for an investigation related to a licence plate renewal, contact the insurance company involved to resolve the matter as quickly as possible.

  • Confirm that the VIN information in the policy matches that on the vehicle’s ownership permit.
  • Ensure that the coverage information has been properly processed and submitted to the IVP database.
  • Consider time frames and expectations for customers who request immediate insurance renewals.
  • Inform the customer as to when sticker renewal may be possible. If necessary, consult with the insurer about processing and reporting turnaround times.
  • Please refer to the customer resolution procedures of the Registered Insurance Brokers of Ontario (RIBO). ​


Insurance Validation Program Bulletins

Date​​File Name
Check back later for updates. ​