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Electronic Proof of Auto Insurance

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Electronic Proof of Auto Insurance

Ministry of Finance

The Financial Services Regulatory Authority of Ontario (FSRA) has approved the use of electronic proof of auto insurance in Ontario, effective immediately. Insurers may now provide electronic insurance cards that serve as proof of auto insurance on a mobile device. Consumers have the option of keeping an electronic insurance card on their mobile device instead of, or in addition to, a paper version.

For people who prefer the paper "pink card" as their proof of auto insurance, it is not being eliminated. Electronic proof of insurance simply provides an option for Ontario drivers who own or lease a motor vehicle, including motorcycles and trucks, to access their auto insurance card in the way that best suits their needs.

During a one-year transition period, insurers who provide an option for an electronic insurance card must continue to provide a paper version of the insurance card at no additional cost.

Consumer Rights and Responsibilities

  • Drivers must ensure they can show proof of auto insurance, regardless of potential issues with a mobile device such as poor cellular service, drained batteries or damaged screens.
  • Insurance providers offering electronic insurance cards must include lock screen capability. This reduces the risk of other people getting access to personal information when viewing the electronic insurance card. However, it is still the responsibility of the driver in question to enable the screen lock function and make sure personal information is protected.
  • It is still the law to have proof of auto insurance in the vehicle at all times, whether in paper or electronic format. Drivers are required by law to show proof of auto insurance to a police officer when asked.
  • The requirements for showing proof of auto insurance outside of Ontario could be different. Drivers are encouraged to contact their insurance provider with any questions about proof of auto insurance before driving outside of the province.

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