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QuestionInsurance Question  I have recently found a car to buy. I only have my G1 license till later this year, can I buy the car but not put plates and or insurance on it until I have my G2? Mostly I'm asking if it can sit in my driveway with no plates/insurance.

AnswerAuto Insurance Answer

According to the Ontario Ministry of Transportation if you are buying a used car it is the buyer's responsibility to take the UVIP (Used Vehicle Information Package) to a Driver and Vehicle Licence Issuing Office to register as the new owner within six days of the sale.

At that time, the buyer must pay retail sales tax on the vehicle. The amount of retail sales tax to be paid is based on the purchase price or the wholesale value calculated at the time of transfer, whichever is more. To transfer the vehicle permit valid insurance information is required.

Ontario has compulsory automobile insurance. Before you can attach plates to a vehicle or renew your registration, or buy a temporary (trip) permit the vehicle must be insured. In Ontario, private companies provide insurance coverage.

A vehicle displaying a trip permit is exempt from Ontario registration while the permit is valid. A 10-Day trip permit allows vehicles to be driven to licensing offices, garages and for other necessary short-term transportation purposes.

A trip permit can be used by the owner of a vehicle when he/she is required to complete the transfer of ownership of the vehicle within six days of buying the vehicle.

If you are buying a new car you are also required to register and insure the car within a short time period. There may be special circumstances in which the Ministry of Transportation will allow a car to sit in your driveway without plates or insurance but you will need to contact the MOT to see if this would be possible for your situation.

If you purchase the car and need to obtain insurance for it get a quote her for your Canadian car insurance.

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