Ontario’s 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 and Équité Association maintain 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 ScopeMTO transactionsVehiclesLicence plate renewals onlyVehicles manufactured in 1983 and afterPrivate passenger vehiclesPrivately owned or leased passenger vehiclesCommercial vehicles, including those with MTO Personal Use Only (PUO) designations (e.g., black plated pickup trucks)(Note: the vehicle must meet all of the above criteria)Outside IVP’s Current Scope MTO transactions VehiclesVehicle transfersNew registrationsPassenger vehicles registered in the name of corporationsMotorcyclesMotorhomesAll-terrain vehiclesPrivate passenger vehicles manufactured prior to 1983IVP and Consumers – What You Need to KnowIf 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 BulletinsDateFile NameCheck back later for updates. Understanding Vehicle Identification NumbersThe brochure explains what VINs are and how consumers can check these numbers on their vehicles. Increased awareness helps ensure that used-vehicle purchases and license renewals go smoothly, that insurance premiums are accurate, and helps protect against VIN theft. Related ServicesVIN Verify ServiceBuying a used car? IBC’s free VIN Verify service for consumers can help you check if a car was reported as flood-damaged and non-repairable. You just need the car’s vehicle identification number (VIN) to get started. VIN TipsThe vehicle identification number (VIN) tells the whole story of a car, but a criminal may have altered it to hide the fact that the car was stolen or flood-damaged. Here’s how to review a car’s VIN to ensure you’re getting what you think you’re getting. Useful LinksCombating Insurance CrimeIBC provides investigative services to help contain the premiums of honest Canadian policyholders. Crisis ManagementIf you find yourself in a crisis situation, never admit liability. Canadian Police Information CentreWhere the public can search our national database to see if a motor vehicle or property has been reported stolen.National Insurance Crime BureauNICB's VINCheck is a free service provided to the public to assist in determining if a vehicle has been reported as stolen, but not recovered, or has been reported as a salvage vehicle by cooperating NICB members.